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How much is car insurance in Wellington?
|Area||Average Monthly Car Insurance Premium|
As you can see, car insurance policies across the rest of Florida are about $26 a month cheaper than the rates drivers pay in Wellington.
Drivers relocating the Wellington should take note of the differences in average rates. The cost of auto coverage in Wellington is about $69 more expensive than the national average.
These may be the average auto insurance rates for Wellington, but that doesn't mean it's exactly what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car 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.
But don't worry, we've broken down the average rate for Wellington 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're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
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Wellington Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. When it comes to car insurance bills, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. You may see your rates creep back up once you hit retirement in Wellington.
Wellington Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Wellington, where female drivers pay around $21 more a month.
Wellington 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. In Wellington, a driving record with a single accident will usually get you a rate around $170 a month. Similarly, drivers with one ticket will typically pay around $243 on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Wellington Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$106|
|15 Years or Older||$116|
According to the first table above, the cheapest vehicles to insure in Wellington are usually trucks and vans, at $103 per month.
Car owners will see a monthly bill of about $166, while SUV owners by and large pay around $132 per month.
Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. In Wellington, vehicles eleven-to-fourteen years old are the most expensive to insure.
Wellington Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$152|
Generally, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
At a national level, single drivers usually pay more than married couples do for auto insurance. Wellington follows that pattern, with the difference totaling to around $5 a month.
Wellington Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$159|
Your living situation is another component of how insurance companies calculate your monthly rate. Homeowners and renters alike can expect to pay about $149 per month for coverage in Wellington.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Wellington, FL
Recent trends in car insurance for Wellington drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.
The cost of auto insurance in Wellington had been decreasing from 2017-2019, when it reached a low of $111, but began to increase from 2020-2021. It finished down in 2022, at $139.
How does Wellington compare to neighboring areas?
Why are car insurance rates in Wellington different from other areas?
Car insurance companies will take into account a variety of factors when deciding how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:
- Amount of drivers
- Off-street parking availability
- Road Safety (frequency of local car accidents)
- Prevalence of crime
- Local laws
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Knowing 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 particular neighborhood.
How can I find the cheapest car insurance in Wellington?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But hold on! Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from the many car insurance companies offering coverage in Wellington.
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Wellington Auto Insurance FAQs
What factors affect car insurance quotes in Wellington?
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, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Wellington different from other neighboring cities?
Parking situations, local laws, and crime rates -- 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 Wellington?
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 Wellington?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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 point, no matter how much time is left on your current policy. If you're thinking about moving to Wellington or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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