Wellington, FL Car Insurance

On average, Wellington drivers pay around $149 a month for their car insurance. For more information refer to our guide below.
What should residents of Wellington expect to pay for their car insurance? Compared to their surrounding area, how do rates in Wellington stack up? What about against the rest of Florida? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Wellington?

Area Average Monthly Car Insurance Premium
Wellington$149
FL$123
United States$81

Auto insurance policies in Wellington are about $26 a month more expensive than the rest of Florida.

Drivers relocating the Wellington should take note of the differences in average rates. It's around $68 more expensive for coverage in Wellington than the average rates seen in the rest of the U.S.

The price you pay may very well be higher or lower than the rates you see, but we can help explain why. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.

We've done the heavy lifting for you and broken down the average rate for Wellington 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 below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$260
25-34$131
35-44$120
45-54$126
55-64$142
65+$182

Generally, the older you are the more experienced you are behind the wheel, right? That experience can turn into some real savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay $78 more than someone who is retirement aged.

You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement, however, your rates may creep back up a bit in Wellington.

Average Car Insurance Rates by Gender

Gender Average
Male$140
Female$160

Despite the national trend of women paying less than men to insure their car, in Wellington men actually pay $140 per month for coverage while women pay $160.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$170
Multiple Accidents$374
1 Ticket$243
Multiple Tickets$185

Depending on your driving record, your rates can vary wildly. Drivers with clean records will pay lower rates than those with accidents or violations. Drivers in Wellington with a single accident on their record will usually see rates around $170 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $243.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. So, if cheaper car insurance is important to you, keep your record clean and drive safe.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$106
2-3 Years$133
4-5 Years$138
6-7 Years$144
8-10 Years$171
11-14 Years$189
15 Years or Older$116

If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Wellington, with drivers paying around $103 per month for insurance coverage.

SUV drivers will see rates of about $132, while the rates for car owners average out to about $167 a month.

In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is close to 5 years old. The most expensive vehicles to insure in Wellington are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$152
Married$147
Divorced$140
Widowed$82

Generally speaking, married policyholders will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Wellington as well, where the difference is around $5 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$149
Rent$150
Live with parents$159

Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Wellington, expect to pay around $1 a month more than if you own property. But if you live with your parents, your rates will be significantly higher.

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 Wellington, FL

Recent trends in car insurance for Wellington 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.

In Wellington, the rates for auto insurance decreased from 2017-2019, when they reached a low of $111, but began to increase from 2020-2021. They finished down in 2022, at $137.

How does Wellington compare to neighboring areas?

Why are car insurance rates in Wellington different from other areas?

Car insurance companies take in a lot of factors when deciding how much individual insurance policies will cost. While we already mentioned the ones that affect your personal policy, others are influenced by where you live. These include things like:

  • Amount of drivers in the region
  • Off-street parking accessibility
  • Area crime rates
  • Road Safety (total number of local car accidents)
  • Community regulations

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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?

While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

But wait! Compare.com can handle all of this for you. Just put in your ZIP Code below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from a bulk of the car insurance companies providing policies in Wellington.

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Wellington Insurance FAQs

What factors affect car insurance quotes in Wellington?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your driving record, credit score, marital status, and address.

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

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, local laws, and parking situations when calculating your quote -- all of which can change from city to city.

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 however, 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 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 Wellington 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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