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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 $21 a month cheaper than the rates drivers pay in Wellington.
Likewise, Wellington residents will likely pay higher rates for their insurance policy than the rest of the country. It's around $63 more expensive for coverage in Wellington than the average rates seen in the rest of the U.S.
Although these are the average rates for auto insurance in Wellington, it's important to remember that you could end up paying something different. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.
We've analyzed the average rate for Wellington and broken down the different factors to help you understand what exactly you might be asked to pay. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. That experience can snag you some serious savings when it comes to auto insurance. In this case, 18-24-year-olds pay $5 more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. As you get closer to retirement age, however, you may see your rates rise again in Wellington.
Average 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 $7 more per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Accidents||Not Enough Data|
|Multiple Tickets||Not Enough Data|
Your driving record can have a tremendous impact on your car insurance rates. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. Drivers in Wellington with one accident will pay around $169 a month. In addition, drivers with a single ticket on their record can expect to pay around $529 a month on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. 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||$90|
|15 Years or Older||$115|
If you look at the first table above, the cheapest vehicles to insure in Wellington are usually trucks and vans, at $96 per month.
Car owners can expect to pay an average of around $159 a month for their policy, while SUVs usually cost around $125 a month to insure.
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, once your car is close to 5 years old, you might start to see your rates slide back down slightly. In Wellington, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$140|
On average, those who have settled down into marriage will pay slightly less to insure their car. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
According to the table above, the difference in rates based on relationship status in Wellington can be as much as $14 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$139|
Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $15 less than drivers who own property in Wellington. But if you live with your parents, your rates will be significantly higher.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
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.
The cost of auto insurance coverage in Wellington have been mixed as of late, it rose in 2016, declined in 2018, and increased again in 2020, before finishing at $148 in 2021.
How does Wellington compare to neighboring areas?
Why are car insurance rates in Wellington different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider several factors. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:
- Amount of off-street parking
- Road Safety (total number of local car accidents)
- Area laws
- Total number of drivers in the region
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 Wellington?
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.
Fortunately, Compare.com will handle the heavy lifting for you. Just enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing plans in Wellington.
Wellington Insurance FAQs
What factors affect car insurance quotes in Wellington?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your marital status, credit score, address, and driving record.
Why is the cost of car insurance in Wellington different from other neighboring cities?
Crime rates, parking situations, 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 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?
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 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.