Table of contents
How much is car insurance in Stuart?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $15 a month cheaper to insure your vehicle in Stuart than it is in the rest of Florida.
If you're considering relocating to Stuart from out of state, you may want to budget a little extra for your insurance. The cost of insuring a vehicle in Stuart is about $27 more expensive than the average rate for the rest of the U.S.
Although these are the average rates for auto insurance in Stuart, that doesn't mean it's exactly what you'll pay. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.
Don't sweat it however, we've broken down average rates for Stuart residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
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 it comes to auto insurance. As you can see, 18-24-year-olds pay a lot more than someone who is retirement aged.
For every 10 years, you can expect to see a drop in your monthly premium. You may see your rates start to rise again once you hit retirement in Stuart.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. The difference in Stuart is about $4 a month. As illustrated in the table above, female drivers in the area pay about $105 on average, while male drivers pay around $109 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. In Stuart, drivers with one accident on their record will experience rates around $141 a month. Similarly, drivers with one ticket will typically pay around $178 on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$88|
|15 Years or Older||$107|
According to the first table above, the cheapest vehicles to insure in Stuart are typically trucks and vans, at $85 per month.
Car owners can expect to pay an average of around $109 a month for their policy, while SUVs usually cost around $110 a month to insure.
Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is a few years old. In Stuart, 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)||$114|
The cost of auto insurance in Stuart reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $16 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$92|
Another factor taken into consideration is your housing situation. In Stuart, homeowners can expect to pay around $10 a month less than those who rent. 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 Stuart, FL
Recent trends in car insurance for Stuart drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
The rates for car insurance in Stuart went up from 2016-2017, but leveled out in 2020. Rates have been decreasing since then and recently reached a low of $103 per month in 2021.
How does Stuart compare to neighboring areas?
Why are car insurance rates in Stuart different from other areas?
Car insurance companies will take into account several factors when figuring out how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you call home. These include things like:
- Amount of drivers in the community
- Road Safety (how many accidents each locality has)
- Off-street parking accessibility
- Area crime rates
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. 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 Stuart?
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.
But hold on! Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing plans in Stuart.
Stuart 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, marital status, and address.
Why is the cost of car insurance in Stuart different from other neighboring cities?
Crime rates, local laws, and parking situations -- 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 Stuart?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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?
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 point, no matter how much time is left on your current policy. If you're thinking about moving to Stuart 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.