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How much is car insurance in Vero Beach?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Vero Beach typically costs about $24 a month less than it does in the rest of Florida.
Drivers relocating the Vero Beach should take note of the differences in average rates. The cost of auto coverage in Vero Beach is about $19 more expensive than the national average.
While these are the average monthly costs for auto insurance coverage in Vero Beach, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't worry, we've done the work for you and broken down average rates for Vero Beach to help you get a more accurate idea of what you'll be charged for your policy. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
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Vero Beach Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experienced you are on the roads. That experience can really work in your favor when it comes to auto insurance. In this case, 18-24-year-olds pay $92 more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement your rates may climb back up a bit in Vero Beach.
Vero Beach Car Insurance Rates by Gender
Although women typically pay less than men do for car insurance, this is not the case in Vero Beach, where female drivers pay around $101 per month while male drivers pay about $96.
Vero Beach Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. Drivers in Vero Beach with a single accident will pay around $145 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $129.
Vero Beach Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$85|
|15 Years or Older||$105|
As you can see in the first table above, the cheapest vehicles to insure in Vero Beach are usually cars, trucks, and vans, which run about $98 per month.
SUV owners, however, pay about $103 per month for car insurance coverage.
The age of your vehicle has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old, however, you may see your rates begin to drop back down. In Vero Beach, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Vero Beach Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$107|
On average, 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 difference in rates based on relationship status in Vero Beach is about $28 a month, with married couples paying less for coverage than single drivers.
Vero Beach Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$135|
Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment in Vero Beach, expect to pay around $18 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.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance premiums.
Car Insurance Companies in Vero Beach, FL
Recent trends in car insurance for Vero Beach drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing where to shop.
Auto insurance rates in Vero Beach declined from 2017-2019, before leveling out in 2020. Car insurance rates began decreasing again in 2021, and finished down in 2022, at $64.
How does Vero Beach compare to neighboring areas?
Why are car insurance rates in Vero Beach different from other areas?
Car insurance companies will take into account a number of factors when figuring out how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live and drive. These include things like:
- Crime rates
- Total number of drivers in the region
- Amount of off-street parking
- Number of car accidents
- Area regulations
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or 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 Vero Beach?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
But hold on! Compare.com will handle the heavy lifting for you. Just put in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering plans in Vero Beach.
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Vero Beach Auto 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 vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Vero Beach different from other neighboring cities?
Things like crime rates, local laws, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Vero Beach?
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 however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Vero Beach?
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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Vero Beach or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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