Vero Beach, FL Car Insurance

Residents of Vero Beach pay, on average, about $100 per month for car insurance. To learn more about car insurance rates in the Vero Beach area, read our guide below.
Map of cities where drivers can find cheaper car insurance
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Compared to their surrounding area, how do rates in Vero Beach stack up? What about against the rest of Florida? What should residents of Vero Beach expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:

How much is car insurance in Vero Beach?

Area Average Monthly Car Insurance Premium
Vero Beach$100
FL$123
United States$81

Auto insurance coverage in Vero Beach is about $23 cheaper than it is in the rest of Florida.

On the other hand, Vero Beach residents should prepare to pay higher rates for coverage than the rest of the country. It's about $19 more expensive than the national average to insure your vehicle in Vero Beach.

Although these are the average monthly costs for an auto insurance policy in Vero Beach, that doesn't mean it's exactly what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining the bill you'll see each month.

Don't sweat it however, we've broken down average rates for Vero Beach 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 that you're paying the lowest option, simply enter your ZIP Code below and find out!


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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$157
25-34$112
35-44$90
45-54Not Enough Data
55-64$65
65+$64

It makes sense that older drivers would have more experience behind the wheel, right? That experience can turn into some real savings when it comes to auto insurance rates. According to the table above, you can see that 18-24-year-olds pay two times as much as drivers 65 and older.

You can expect to see your monthly premium drop every 10 years or so. As you get closer to retirement age, however, you may see your rates start to rise again in Vero Beach.

Average Car Insurance Rates by Gender

Gender Average
Male$97
Female$103

While women typically pay less than men do for auto insurance, Vero Beach goes against the grain. Female drivers typically pay around $6 more per month for auto insurance coverage than their male counterparts.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$144
Multiple Accidents$187
1 Ticket$137
Multiple Tickets$203

Your driving record can have a huge impact on your car insurance rates. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Vero Beach with a single accident will pay around $144 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $137.

Accidents, tickets, and other driving infractions can really hurt your wallet. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$85
2-3 Years$80
4-5 Years$89
6-7 Years$80
8-10 Years$93
11-14 Years$111
15 Years or Older$106

According to the first table above, trucks and vans are typically the cheapest vehicles to insure in Vero Beach, with drivers paying around $96 per month for auto insurance.

SUV drivers will see rates of about $104, while the rates for car owners average out to about $100 a month.

Your rates can also vary depending on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. However, once your car is around 5 years old, you may start to see your monthly premium drop back down. In Vero Beach, 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)$107
Married$78
Divorced$65
Widowed$76

More often than not, married policyholders will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.

The cost of auto insurance in Vero Beach reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $29 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$86
Rent$106
Live with parents$135

Another factor taken into consideration is your housing status. If you rent your home or apartment in Vero Beach, expect to pay around $20 a month more than if you own property. 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 Vero Beach, FL

Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.

In Vero Beach, auto insurance rates had been decreasing from 2017-2019, before steadying out in 2020. Car insurance rates began decreasing again in 2021, and finished down in 2022, at $42.

How does Vero Beach compare to neighboring areas?

Why are car insurance rates in Vero Beach different from other areas?

There are a variety of factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. Many factors affecting your policy are based around your home address. These factors include things like:

  • Total number of drivers in the community
  • Regional crime rates
  • Availability of off-street parking
  • Road safety
  • Area laws

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 Vero Beach?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

Good news! Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering auto coverage in Vero Beach.


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Vero Beach Insurance FAQs

What factors affect car insurance quotes in Vero Beach?

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, marital status, and address.

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

Local laws, crime rates, 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 Vero Beach?

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 Vero Beach?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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 Vero Beach 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.

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