Vero Beach, FL Car Insurance

Residents of Vero Beach pay, on average, about $97 per month for car insurance. To learn more about car insurance rates in the Vero Beach area, read our guide below.
What should residents of Vero Beach expect to pay for their car insurance? Are rates in Vero Beach higher or lower than those in neighboring areas? How do they compare to the rest of Florida? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Vero Beach?

Area Average Monthly Car Insurance Premium
Vero Beach$97
FL$122
United States$80

Car insurance coverage in Vero Beach is about $25 cheaper than it is in the rest of Florida.

On the flip side, Vero Beach residents will likely pay higher rates for their insurance policy than the rest of the country. It's around $17 more expensive for coverage in Vero Beach than the average rates seen in the rest of the U.S.

Bear in mind that while these rates are the average costs for Vero Beach residents, it doesn't mean that's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.

Don't worry, we've done the work for you and broken down the average rates for Vero Beach to help you understand what your monthly premium might be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$172
25-34$91
35-44$81
45-54$83
55-64$65
65+$68

Generally, the older you are, the more experienced you are on the roads. That experience can turn into some real savings when it comes to car insurance bills. According to the table above, you can see that 18-24-year-olds pay two times the price that someone who is at retirement age.

Every ten years or so you can expect to see a decline in your monthly premium. As you get closer to retirement, however, you may see your rates begin to increase again in Vero Beach.

Average Car Insurance Rates by Gender

Gender Average
Male$94
Female$99

Although women typically pay less than men do for car insurance coverage, this is not the case in Vero Beach, where female drivers pay around $99 per month while male drivers pay about $94.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$160
Multiple Accidents$157
1 Ticket$54
Multiple Tickets$133

One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records can expect to pay a lot less than those with accidents or violations. In Vero Beach, a driving record with a single accident will usually get you a rate around $160 a month. Similarly, drivers with one ticket will typically pay around $54 on average.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$80
2-3 Years$80
4-5 Years$102
6-7 Years$81
8-10 Years$99
11-14 Years$110
15 Years or Older$93

In Vero Beach, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $71 per month for insurance coverage.

Car owners will see a monthly premium of about $96, while SUV owners typically pay around $107 a month.

In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. Once your car is around 5 years old, however, your monthly bill may start to dip 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)$106
Married$78
Divorced$66
Widowed$76

Overall, those who are currently married will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

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 $28 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$88
Rent$96
Live with parents$140

Your housing status is another factor that affects your monthly rate. Those who own their own home in Vero Beach can expect to pay around $8 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.

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 Vero Beach, FL

Recent trends in car insurance for Vero Beach 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.

Car insurance rates in Vero Beach had been increasing from 2016-2017, before trending downward from 2018-2019. They finished down in 2021 at $86.

How does Vero Beach compare to neighboring areas?

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

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

  • Rate of crime
  • Community regulations
  • Road Safety (total number of local car accidents)
  • Amount of drivers in the area
  • Off-street parking availability

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Vero Beach?

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.

Luckily, Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer coverage in Vero Beach.

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Vero Beach Insurance FAQs

What factors affect car insurance quotes in Vero Beach?

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 address, driving record, marital status, credit score, plus your vehicle's year and make and model.

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

Parking situations, crime rates, and local laws -- 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 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 Vero Beach?

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. 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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