Table of contents
How much is car insurance in Sebring?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Sebring is about $36 a month cheaper than it is for the rest of Florida.
On the flip side, Sebring residents should prepare to pay higher rates for coverage than the rest of the country. The cost of auto coverage in Sebring is about $6 more expensive than the national average.
Keep in mind that while these are the average car insurance rates for Sebring, it isn't guaranteed that it's what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't sweat it however, we've broken down average rates for Sebring residents so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you've spent on the road, the more experience you have. That experience can lead to some serious savings when it comes to car insurance bills. In this case, 18-24-year-olds pay $31 more than someone who is at retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Sebring drivers may see their rates start to rise again once they hit retirement age.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. In Sebring, this difference shakes out to about $6 per month. As you can see in the chart above, car insurance for women in the area typically costs around $84 each month, while men pay $90 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
Depending on your driving record, your rates can vary wildly. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Sebring, having a single accident on your record will usually get you rates around $116 a month.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$75|
|15 Years or Older||$74|
According to the first table above, trucks and vans are by and large the cheapest vehicles to insure in Sebring, with drivers paying around $73 per month for auto insurance.
Car owners will see a monthly rate of about $98, while SUV owners typically pay around $82 a month.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. In Sebring, vehicles six-to-seven years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$91|
Generally, people who are married will pay slightly less for auto insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
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 $22 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$132|
Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $9 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.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Sebring, FL
Recent trends in car insurance for Sebring drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
In Sebring, car insurance rates had been decreasing from 2016-2018, before steadying out in 2019. Car insurance rates have been decreasing again recently, and were down to $58 in 2021.
How does Sebring compare to neighboring areas?
Why are car insurance rates in Sebring different from other areas?
There are a variety of factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you park your car. These include things like:
- Local laws
- Frequency of car accidents
- Off-street parking access
- Crime levels
- Total number of drivers in the region
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Knowing 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 particular neighborhood.
How can I find the cheapest car insurance in Sebring?
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 will handle the heavy lifting for you. Just put in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering coverage in Sebring.
Sebring 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 like your gender and age, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Sebring different from other neighboring cities?
Things like crime rates, local laws, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Sebring?
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 Sebring?
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?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Sebring or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.