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How much is car insurance in Port Orange?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the Florida, coverage in Port Orange is about $31 a month cheaper.
Drivers relocating the Port Orange should take note of the differences in average rates. It's around $11 more expensive for coverage in Port Orange than the average rates seen in the rest of the U.S.
Although these are the average rates for auto insurance in Port Orange, it's important to remember that you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
We've done the heavy lifting for you and broken down the average rate for Port Orange so that you can get a more accurate idea of what your monthly bill might be. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
The older you are, the more experience you're likely to have on the roads, right? That experience can snag you some serious savings when it comes to auto insurance. As you can see, 18-24-year-olds pay a lot more than drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. As you get closer to retirement, however, you may see your rates creep back up in Port Orange.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. The difference in Port Orange is around $7 a month. As illustrated in the table above, male drivers in the area pay about $94 on average, while female drivers pay around $87 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Port Orange, having a single accident on your record will usually get you rates around $124 a month. In addition, drivers with one ticket can expect to pay around $166 a month on average.
Accidents, tickets, and other driving infractions can cost you some serious cash. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$96|
|15 Years or Older||$96|
The cheapest vehicles to insure in Port Orange are by and large cars, with each type typically costing about $87 per month.
Truck and van drivers will see rates of about $90 for auto insurance coverage, while SUV owners typically pay around $103 per month.
You can also expect to see slightly different rates depending on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. However, if your car is about 5 years old, you can expect to see your rates start dropping back down. In Port Orange, the most expensive vehicles to insure are vehicles less than or equal to one-year-old and fifteen years and older.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$96|
On average, married policyholders will pay slightly less to insure their car. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
In Port Orange, the difference in rates based on relationship status can be as much as $11 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$108|
Another factor that comes into play is your living accommodations. In Port Orange, homeowners can expect to pay around $8 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Port Orange, FL
Recent trends in car insurance for Port Orange drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
In Port Orange, car insurance rates increased from 2016-2017, before leveling out in 2018. Policy premiums finished up in 2021, at $87 a month
How does Port Orange compare to neighboring areas?
Why are car insurance rates in Port Orange different from other areas?
There are many factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. Where you live will also have a significant impact on your personal policy. This may include things like:
- General road safety (how many accidents each locality has)
- Amount of drivers in the community
- Rate of crime
- Area regulations
- Amount of off-street parking
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Port Orange?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Fortunately, Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering coverage in Port Orange.
Port Orange Insurance FAQs
What factors affect car insurance quotes in Port Orange?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your address, driving record, credit score, and marital status.
Why is the cost of car insurance in Port Orange different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Port Orange?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Port Orange?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Port Orange or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.