Titusville, FL Car Insurance

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

How much is car insurance in Titusville?

Car insurance coverage in Titusville is about $29 cheaper than it is in the rest of Florida.

Compared to the national average cost of auto coverage, Titusville has higher rates. You can expect to pay about $13 more for your policy in Titusville.

The price you pay may very well be higher or lower than the rates you see, but we can help explain why. 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 your monthly premium.

Don't sweat it however, we've broken down average rates for Titusville residents so that you can get a more accurate idea of what you might pay. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!

Average Car Insurance Rates by Age

More time behind the wheel makes you a more experienced driver. That experience can really work in your favor when it comes to auto insurance. As you can see, 18-24-year-olds pay $63 more than drivers of retirement age.

For every 10 years, you can expect to see a decrease in your monthly premium. Drivers in Titusville may see their rates begin to increase again once they hit retirement.

Average Car Insurance Rates by Gender

Although female drivers pay, on average, less than male drivers for car insurance, Titusville actually defies this trend. While female drivers pay $97 a month to insure their car, males only pay about $92.

Average Auto Insurance Rates by Driving Record

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 Titusville, drivers with one accident on their record will experience rates around $107 a month. In addition, drivers with one ticket can expect to pay around $110 a month on average.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

The cheapest vehicles to insure in Titusville are usually trucks and vans, with each type typically costing about $79 per month.

SUV drivers will see rates of about $90, while the rates for car owners average out to about $101 per month.

You may also see different rates based on how old your vehicle is. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Titusville, vehicles eleven-to-fourteen years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

On average, those who have settled down into marriage will pay slightly less for car insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.

While married drivers normally pay less than single drivers, in Titusville both groups pay about the same rate.

Average Car Insurance Rates by Housing Situation

Another factor that comes into play is your housing status. If you rent your home or apartment, expect to pay around $2 a month more than if you own your own home in Titusville. Those who live with their parents, however, 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 Titusville, FL

Recent trends in car insurance for Titusville drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.

In Titusville, the rates for car insurance had been decreasing from 2017-2019, before leveling out in 2020. Rates have been decreasing again recently, and were down to $59 in 2022.

How does Titusville compare to neighboring areas?

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

There are a variety of factors car insurance companies take into consideration when figuring out how much to charge for coverage. While we mentioned the factors that affect your personal policy, others are based around where you park your car. These include things like:

• Crime levels
• Number of drivers
• Area laws
• Off-street parking availability
• Road Safety (how many accidents each locality has)

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about 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 Titusville?

Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

But hold on! Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering coverage in Titusville.

Titusville Insurance FAQs

What factors affect car insurance quotes in Titusville?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your credit score, driving record, address, and marital status.

Why is the cost of car insurance in Titusville different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Titusville?

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 Titusville?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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 time, regardless of how long is left on your current policy. So, if you've recently moved to Titusville 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.