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How much is car insurance in Titusville?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $25 a month cheaper to insure your vehicle in Titusville than it is in the rest of Florida.
On the other hand, Titusville residents will likely pay higher rates for their insurance policy than the rest of the country. It's about $18 more expensive than the national average to insure your vehicle in Titusville.
Bear in mind that while these rates represent the expected monthly payments for Titusville drivers, it doesn't mean that's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.
Don't sweat it however, we've broken down average rates for Titusville residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
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Titusville Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The more time you've spent on the road, the more experience you have. When it comes to auto insurance rates, that experience pays off. According to the table above, you can see that 18-24-year-olds pay $45 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, you may see your rates creep back up in Titusville.
Titusville Car Insurance Rates by Gender
Despite the national trend of women paying less than men to insure their car, in Titusville men actually pay $95 per month for coverage while women pay $101.
Titusville Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers with clean records will pay lower rates than those with accidents or violations. Drivers in Titusville with a single accident will pay around $109 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $122 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Titusville Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$72|
|15 Years or Older||$101|
According to the first table above, the cheapest vehicles to insure in Titusville are by and large trucks and vans, at $79 per month.
Car owners can expect to pay an average of around $107 a month for their policy, while SUVs usually cost around $89 a month to insure.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is about 5 years old, you might start to see your rates slide back down slightly. In Titusville, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Titusville Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$98|
Generally, those who are currently married will pay slightly less for car insurance. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
While married drivers normally pay less than single drivers, in Titusville both groups pay about the same rate.
Titusville Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$99|
Another factor that comes into play is your housing situation. If you rent your home or apartment in Titusville, expect to pay around $9 a month more than if you are a homeowner. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Titusville, FL
Recent trends in car insurance for Titusville drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an insurance provider.
In Titusville, auto insurance rates dropped from 2017-2019, before leveling out in 2020. Rates finished up in 2022, at $150 a month
How does Titusville compare to neighboring areas?
Why are car insurance rates in Titusville different from other areas?
There are many factors car insurance companies take into consideration when choosing how much to charge for coverage. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:
- Rate of crime
- Availability of off-street parking
- Road Safety (total number of local car accidents)
- Area regulations
- Amount of drivers in the community
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. 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 Titusville?
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.
Fortunately, Compare.com can handle all of this for you. Put in your ZIP Code below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies offering policies in Titusville.
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Titusville Auto 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, address, marital status and driving record.
Why is the cost of car insurance in Titusville 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 parking situations, crime rates, and local laws when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Titusville?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Titusville?
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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Titusville or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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