Stuart, FL Car Insurance

What rates can residents of Stuart expect to pay for their car insurance? Compared to their surrounding area, how do rates in Stuart stack up? What about against the rest of Florida? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:

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How much is car insurance in Stuart?

Based on the above chart, auto insurance policies in Stuart are about $21 a month cheaper than in the rest of Florida.

That being said drivers in Stuart may pay higher rates than the rest of the country. It's about $22 more expensive for coverage in Stuart than the average rates for the U.S. as a whole.

Bear in mind that while these rates represent the expected monthly payments for drivers in Stuart, it doesn't mean that's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

We've analyzed the average rate for Stuart and broken down the different factors to help you understand what exactly you might be asked to pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!

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Stuart Car Insurance Rates by Age

The more time you've spent on the road, the more experience you have. It also makes sense that the more experienced of a driver you are, the safer you are. In this case, 18-24-year-olds pay a lot more than someone who is at retirement age.

For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement, however, you may see your rates climb back up in Stuart.

Stuart Car Insurance Rates by Gender

Male drivers pay, on average. slightly more than female drivers for auto insurance. This rings true in Stuart, where women pay around $5 less per month than men. Based on the chart above, you can see that male drivers pay $104 on average, while female drivers typically pay $99 each month.

Stuart Auto Insurance Rates by Driving Record

Your driving record can have a tremendous impact on your car insurance rates. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. The rate for drivers in Stuart with a single accident on their record is about $132 a month. Similarly, drivers with one ticket will typically pay around $161 on average.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.

Stuart Insurance Rates by Vehicle

According to the first table above, SUVs are usually the cheapest vehicles to insure in Stuart, with drivers paying around $90 per month for insurance coverage.

Car owners can expect to pay an average of around $110 a month for their policy, while truck and van drivers are usually around $97 to insure each 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 cost the most to insure. Once your car is around 5 years old, however, you may see your rates begin to drop back down. In Stuart, vehicles six-to-seven years old are the most expensive to insure.

Stuart Car Insurance Rates by Relationship Status

Generally, people who are married will pay slightly less for car insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Stuart, with married couples paying about $19 less per month.

Stuart Car Insurance Rates by Housing Situation

Another factor that comes into play is your living accommodations. If you rent your home or apartment, expect to pay around $8 a month more than if you own your own home in Stuart. But if you live with your parents, your rates will be significantly higher.

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 Stuart, FL

Recent trends in car insurance for Stuart drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.

In Stuart, auto insurance rates declined from 2017-2018, before leveling out in 2019. Insurance rates began decreasing again in 2020, and finished down in 2022, at $85.

How does Stuart compare to neighboring areas?

Why are car insurance rates in Stuart different from other areas?

There are numerous factors car insurance companies will consider when deciding how much to charge for a monthly rate. While we mentioned the factors that affect your personal policy, others are based around where you call home. These include things like:

• Number of car accidents
• Access to off-street parking
• Regional laws
• Total number of drivers in the region
• Crime rates

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in Stuart?

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.

But wait! Compare.com has you covered. Just put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering coverage in Stuart in no time.

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Stuart Auto Insurance FAQs

What factors affect car insurance quotes in Stuart?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.

Why is the cost of car insurance in Stuart 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 Stuart?

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 Stuart?

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?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Stuart or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.