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How much is car insurance in Port Orange?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Port Orange is about $31 a month cheaper than it is for the rest of Florida.
That being said Port Orange residents will likely pay higher rates for their insurance policy than the rest of the country. It's about $12 more for coverage in Port Orange than in the rest of the U.S.
While these are the average car insurance rates for Port Orange, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
But worry not, we've done the heavy lifting and broken down the average rate for Port Orange to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
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Port Orange Car Insurance Rates by Age
|Age Range||Average Premium|
The older you are, the more experience you're likely to have behind the wheel, right? That experience can really work in your favor when factored into your car insurance rates. According to the table above, you can see that 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. Once you hit retirement, however, you may see your rates begin to go back up in Port Orange.
Port Orange Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. This is true in Port Orange, where male drivers pay about $4 more a month. As illustrated in the table above, male drivers in the area pay about $94 on average, while female drivers pay around $90 each month.
Port Orange Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records can expect to pay significantly less than those with accidents or violations. Drivers in Port Orange with one accident will pay around $130 a month. In addition, drivers with one ticket can expect to pay around $121 a month on average.
Accidents, tickets, and other driving infractions can really hurt your wallet. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Port Orange Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$94|
|15 Years or Older||$98|
According to the first table above, the cheapest vehicles to insure in Port Orange are usually trucks and vans, at $90 per month.
Car owners can expect to pay an average of around $93 a month for their policy, while SUVs usually cost around $92 a month to insure.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. However, once your car is around 5 years old, you might start to see your rates slide back down slightly. In Port Orange, the most expensive vehicles to insure are vehicles fifteen years and older and six-to-seven years old.
Port Orange Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$97|
Generally, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Port Orange is no exception, with the difference totaling to around $14 a month.
Port Orange Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$102|
Another factor that comes into play is your housing status. Homeowners in Port Orange can expect to pay around $7 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Port Orange, FL
Recent trends in car insurance for Port Orange drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.
The rates for car insurance in Port Orange declined from 2017-2018, before leveling out in 2019. They finished down in 2022, at $73 per month
How does Port Orange compare to neighboring areas?
Why are car insurance rates in Port Orange different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate several factors. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:
- Area crime rates
- Amount of drivers
- Road Safety (total number of local car accidents)
- Community regulations
- Availability of off-street parking
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
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.
Don't worry, Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies that offer coverage in Port Orange.
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Port Orange Auto 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 credit score, driving record, address, and marital status.
Why is the cost of car insurance in Port Orange different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Port Orange?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Port Orange?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Port Orange or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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