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How much is car insurance in Wesley Chapel?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Wesley Chapel is about $6 cheaper than it is in the rest of Florida.
That being said Wesley Chapel residents will likely pay higher rates for their insurance policy than the rest of the country. The cost of auto coverage in Wesley Chapel is about $36 more expensive than the national average.
Although these are the average rates for auto insurance in Wesley Chapel, 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. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
We've broken down average rates for Wesley Chapel to help you understand what your policy's monthly premium will cost. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
The more time you've spent on the road, the more experience you have. When it comes to auto insurance rates, that experience pays off. In this case, 18-24-year-olds pay a lot more than drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. You may see your rates climb back up once you hit retirement in Wesley Chapel.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Wesley Chapel, where female drivers pay around $22 more a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records will pay much lower rates than those with accidents or violations. In Wesley Chapel, a driving record with one accident will usually get you a rate around $137 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $101 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$120|
|15 Years or Older||$113|
According to the first table above, the cheapest vehicles to insure in Wesley Chapel are typically SUVs, at $105 per month.
Truck and van drivers will see rates of about $133, while the rates for car owners average out to about $118 per month.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, you may see your bill start to shrink a bit. The most expensive vehicles to insure in Wesley Chapel are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$121|
More often than not, married policyholders will pay slightly less for auto insurance. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Wesley Chapel as well, where the difference is around $24 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$128|
Another factor taken into consideration is your living situation. 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 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 overall costs.
Car Insurance Companies in Wesley Chapel, FL
Recent trends in car insurance for Wesley Chapel drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.
Car insurance rates in Wesley Chapel decreased from 2017-2020, before leveling out in 2021. They finished down in 2022, at $53 a month
How does Wesley Chapel compare to neighboring areas?
Why are car insurance rates in Wesley Chapel different from other areas?
When considering how much to charge for coverage, car insurance companies will review a number of factors. Where you live will also have a significant impact on your personal policy. This may include things like:
- Community laws
- Amount of drivers in the area
- Availability of off-street parking
- Road safety
- Prevalence of crime
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. 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 Wesley Chapel?
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 can handle all of this for you. Just put in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from a bulk of the car insurance companies that offer auto coverage in Wesley Chapel.
Wesley Chapel Insurance FAQs
What factors affect car insurance quotes in Wesley Chapel?
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 driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Wesley Chapel different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
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 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?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Wesley Chapel or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?