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How much is car insurance in Riverview?
|Area||Average Monthly Car Insurance Premium|
As you can tell from the chart above, the cost of coverage in Riverview is about $12 a month more expensive than the rest of Florida.
Similarly, Riverview residents will likely pay higher rates for their insurance policy than the rest of the country. It's about $55 more expensive for coverage in Riverview than the average rates for the U.S. as a whole.
While these are the average car insurance rates for Riverview, you could end up paying something different. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.
Don't sweat it however, we've broken down average rates for Riverview residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
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Riverview Car Insurance Rates by Age
|Age Range||Average Premium|
It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can really work in your favor when factored into your car insurance rates. As you can see, 18-24-year-olds pay $141 more than someone who is retirement aged.
Every ten years or so you can expect to see a decline in your monthly premium. Drivers in Riverview may see their rates climb back up once they hit retirement.
Riverview Car Insurance Rates by Gender
While women typically pay less than men do for auto insurance, Riverview goes against the grain. Female drivers typically pay around $28 more a month for insurance coverage than their male counterparts.
Riverview Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Riverview, a driving record with a single accident will usually get you a rate around $154 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $189.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Riverview Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$96|
|15 Years or Older||$138|
As you can see in the first table above, the cheapest vehicles to insure in Riverview are by and large trucks and vans, which run about $104 per month.
Car owners will see a monthly rate of about $150, while SUV owners usually pay around $107 per month.
You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is a few years old. In Riverview, vehicles two-to-three years old and eight-to-ten years old are the most expensive to insure.
Riverview Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$143|
More often than not, those who have settled down into marriage will pay slightly less for car insurance. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Riverview, with married couples paying about $25 less per month.
Riverview Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$164|
One other element taken into consideration is your housing status. Renters can expect to pay around $44 a month more than drivers who own property in Riverview. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your overall costs.
Car Insurance Companies in Riverview, FL
Recent trends in car insurance for Riverview 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 Riverview, the rates for auto insurance decreased from 2017-2020, before leveling out in 2021. Insurance rates finished down in 2022, at $80 a month
How does Riverview compare to neighboring areas?
Why are car insurance rates in Riverview different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a lot of factors. While we've discussed the ones that affect your personal policy, others are based around where you live. These include things like:
- Frequency of car accidents
- Community laws
- Amount of off-street parking
- Amount of drivers in the region
- Prevalence of crime
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. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Riverview?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from 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 the many car insurance companies offering auto coverage in Riverview.
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Riverview Auto Insurance FAQs
What factors affect car insurance quotes in Riverview?
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 Riverview different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Riverview?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Riverview?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 Riverview 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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