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How much is car insurance in Titusville?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Titusville is about $23 cheaper than it is in the rest of Florida.
On the flip side, Titusville residents will likely pay higher rates for their insurance policy than the rest of the country. It's about $19 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 residents, it doesn't mean that's what you'll pay. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.
We've done the heavy lifting for you and broken down the average rate for Titusville so that you can get a more accurate idea of what your monthly bill might be. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have behind the wheel, right? That experience can lead to some serious savings when it comes to car insurance rates. In this case, 18-24-year-olds pay a lot more than drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. As you get closer to retirement age, however, you may see your rates creep back up in Titusville.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. While male drivers actually pay slightly less than female drivers on their monthly auto insurance coverage, the difference in Titusville is only about $2 per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Those with clean records will obviously pay significantly less than those with infractions. Drivers in Titusville with one accident will pay around $124 a month. In addition, drivers with one ticket can expect to pay around $140 a month on average.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$68|
|15 Years or Older||$101|
According to the first table above, trucks and vans are typically the cheapest vehicles to insure in Titusville, with drivers paying around $76 per month for auto insurance coverage.
Car owners will see a monthly premium of about $105, while SUV owners usually pay around $93 a month.
Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is a few years old. In Titusville, vehicles eleven-to-fourteen years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$102|
On average, married policyholders will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.
While married drivers normally pay less for auto insurance than single drivers, Titusville bucks this trend as both groups pay around the same rate for coverage.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$94|
Another factor taken into consideration is your living situation. Those who own their own home in Titusville can expect to pay around $3 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Titusville, FL
Recent trends in car insurance for Titusville drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
Car insurance rates in Titusville increased from 2016-2017, before declining from 2018-2019. They finished down in 2021 at $69.
How does Titusville compare to neighboring areas?
Why are car insurance rates in Titusville different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a lot of factors. Your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Amount of drivers in the community
- Crime levels
- Local laws
- Availability of off-street parking
- Road Safety (how many accidents each locality has)
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Titusville?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Fortunately, Compare.com will handle the heavy lifting for you. Just punch in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering plans 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 gender and age, 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 local laws, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Titusville?
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 by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Titusville?
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. 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?