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How much is car insurance in Wesley Chapel?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Wesley Chapel is about $8 a month cheaper than it is for the rest of Florida.
That being said the expected monthly payments for an auto insurance policy in Wesley Chapel are above the national average. It's about $35 more for coverage in Wesley Chapel than in the rest of the U.S.
These may be the average auto insurance rates for Wesley Chapel, but that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
But worry not, we've done the heavy lifting and broken down the average rate for Wesley Chapel to help you understand what exactly you might be asked to pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
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Wesley Chapel Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? When it comes to auto insurance rates, that experience pays off. In this case, 18-24-year-olds pay twice as much as drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. You may see your rates creep back up a bit once you hit retirement age in Wesley Chapel.
Wesley Chapel Car Insurance Rates by Gender
Although women typically pay less than men do to insure their vehicle, this is not the case in Wesley Chapel, where female drivers pay around $125 per month while male drivers pay about $109.
Wesley Chapel Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Wesley Chapel with one accident will pay around $137 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $101.
Wesley Chapel Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$120|
|15 Years or Older||$111|
If you look at the first table above, you'll see that SUVs are typically the cheapest vehicles to insure in Wesley Chapel, with drivers paying around $104 per month for insurance coverage.
Car owners will see rates of about $116, while truck and van owners by and large pay around $133 per month.
Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is around 5 years old. In Wesley Chapel, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Wesley Chapel Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$120|
More often than not, married policyholders will pay slightly less to insure their car. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Wesley Chapel is no exception, with the difference totaling to around $22 a month.
Wesley Chapel Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$128|
Your living situation is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $27 a month more than those who own their own home in Wesley Chapel. But those who live at home with their parents can expect to pay significantly more.
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 Wesley Chapel, FL
Recent trends in car insurance for Wesley Chapel drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
The cost of auto insurance in Wesley Chapel dropped from 2017-2020, before steadying out in 2021. Policy premiums finished down in 2022, at $66 a month
How does Wesley Chapel compare to neighboring areas?
Why are car insurance rates in Wesley Chapel different from other areas?
Car insurance companies take in several factors when figuring out how much individual insurance policies will cost. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:
- Off-street parking availability
- Crime levels
- Total number of drivers in the area
- Road Safety (frequency of local car accidents)
- Local laws
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. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Wesley Chapel?
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.
But hold on! Compare.com can handle all of this for you. Just put in your ZIP below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from loads of the car insurance companies offering plans in Wesley Chapel.
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Wesley Chapel Auto Insurance FAQs
What factors affect car insurance quotes in Wesley Chapel?
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 credit score, driving record, marital status, and address.
Why is the cost of car insurance in Wesley Chapel 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 Wesley Chapel?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Wesley Chapel?
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 Wesley Chapel 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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