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How much is car insurance in Sebring?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Sebring typically costs about $33 a month less than it does in the rest of Florida.
That being said the expected monthly payments for an auto insurance policy in Sebring are above the national average. It's about $10 more expensive than the national average to insure your vehicle in Sebring.
These rates may be the average amount Sebring drivers pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
But don't worry, we've broken down average rates for Sebring residents so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
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Sebring Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. When it comes to auto insurance rates, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement, however, your rates may begin to increase again in Sebring.
Sebring Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. This is true in Sebring, where male drivers pay about $4 more a month. Based on the chart above, you can see that male drivers pay $92 on average, while female drivers typically pay $88 each month.
Sebring 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. Drivers in Sebring with one accident will pay around $106 a month. Similarly, drivers with one ticket will typically pay around $113 on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Sebring Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$63|
|15 Years or Older||$84|
If you look at the first table above, the cheapest vehicles to insure in Sebring are by and large trucks and vans, at $81 per month.
Car owners can expect to pay an average of around $98 a month for their policy, while SUVs usually cost around $85 a month to insure.
Your vehicle's age also plays a role in your monthly payment. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to decrease if your car is a few years old. In Sebring, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Sebring Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$93|
Overall, those who have settled down into marriage will pay slightly less to insure their car. This can usually be attributed to their policies having multiple vehicles, a factor many companies offer special discounts for.
At a national level, single drivers usually pay more than married couples do for auto insurance. Sebring follows that pattern, with the difference totaling to around $19 a month.
Sebring Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$107|
Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $15 a month more than if you own your own home in Sebring. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Sebring, FL
Recent trends in car insurance for Sebring 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 selecting an auto insurance policy.
In Sebring, auto insurance rates decreased from 2017-2018, and again, from 2020-2021. Policy premiums finished up in 2022, at $90.
How does Sebring compare to neighboring areas?
Why are car insurance rates in Sebring different from other areas?
Car insurance companies look at a lot of factors when they're deciding how much to charge for a policy. Many factors affecting your policy are based around where you live. These factors include things like:
- Total number of drivers in the region
- Rate of car accidents
- Access to off-street parking
- Regional crime rates
- Community laws
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
How can I find the cheapest car insurance in Sebring?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Luckily, Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from a number of the car insurance companies providing policies in Sebring.
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Sebring Auto Insurance FAQs
What factors affect car insurance quotes in Sebring?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Sebring different from other neighboring cities?
Crime rates, parking situations, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Sebring?
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 Sebring?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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?
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 Sebring 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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