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How much is car insurance in Sanford?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Sanford is about $17 a month cheaper than it is for the rest of Florida.
On the flip side, Sanford residents should prepare to pay higher rates for coverage than the rest of the country. It's about $26 more expensive than the national average to insure your vehicle in Sanford.
While these numbers are the average rates for auto insurance in Sanford, that doesn't mean it's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for coverage. 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.
Don't worry, we've done the work for you and broken down average rates for Sanford to help you get a more accurate idea of what you'll be charged for your policy. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
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Sanford Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? That experience can turn into some real savings when it comes to auto insurance rates. In this case, 18-24-year-olds pay significantly more than someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. That said, once you hit retirement age, your rates may climb back up a bit in Sanford.
Sanford Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Sanford, male drivers pay about $7 more per month. Based on the chart above, you can see that male drivers pay $109 on average, while female drivers typically pay $102 each month.
Sanford Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers with clean records can expect to pay a lot less than those with accidents or violations. In Sanford, a driving record with one accident will usually get you a rate around $140 a month. Likewise, drivers with one ticket will be looking at a rate of around $121 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Sanford Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$99|
|15 Years or Older||$106|
According to the first table above, trucks and vans are usually the cheapest vehicles to insure in Sanford, with drivers paying around $95 per month to insure their vehicle.
Car owners can expect to pay an average of around $108 a month for their policy, while SUVs usually cost around $104 a month to insure.
Your vehicle's age can also affect your monthly bill. Generally, the most expensive vehicles to insure are going to be newer ones. However, if your car is around 5 years old, you can expect to see your rates start dropping back down. In Sanford, vehicles four-to-five years old are the most expensive to insure.
Sanford Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$112|
Overall, car insurance is slightly cheaper for married policyholders. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Sanford as well, where the difference is around $18 a month.
Sanford Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$98|
Another factor that comes into play is your housing status. If you rent your home or apartment, expect to pay around $19 a month more than those who own their own home in Sanford. Those who live with their parents, however, can expect to pay a lot 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 Sanford, FL
Recent trends in car insurance for Sanford drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when choosing your car insurance policy.
In Sanford, auto insurance rates dropped from 2017-2018, before steadying out in 2019. Insurance rates finished down in 2022, at $74 a month
How does Sanford compare to neighboring areas?
Why are car insurance rates in Sanford different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate many factors. The price of your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Frequency of car accidents
- Regional laws
- Off-street parking accessibility
- Total number of drivers in the region
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making 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 Sanford?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Don't worry, Compare.com can handle all of this for you. Put in your ZIP below, answer a few questions about you and your car, and you'll be quickly comparing the cheapest quotes from the many car insurance companies that offer auto coverage in Sanford.
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Sanford Auto Insurance FAQs
What factors affect car insurance quotes in Sanford?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Sanford 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 crime rates, local laws, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Sanford?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Sanford?
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 Sanford 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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