Wesley Chapel, FL Car Insurance

On average, Wesley Chapel drivers pay around $121 a month for their car insurance. For information on policy rates, coverage, and more check out our guide below.
What rates should residents of Wesley Chapel expect to pay for their car insurance? How does Wesley Chapel stack up to the rest of the area, or even Florida as a whole? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Wesley Chapel?

Area Average Monthly Car Insurance Premium
Wesley Chapel$121
FL$122
United States$80

As you can see in the chart above, car insurance rates in Wesley Chapel are slightly less expensive than the rest of Florida.

Conversely, residents of Wesley Chapel might expect to pay higher rates for coverage than the rest of the country. The average monthly payment for the rest of the U.S. is about is about $41 cheaper than it is in Wesley Chapel.

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. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly payment amount.

We've done the heavy lifting for you and broken down the average rate for Wesley Chapel so that you can get a more accurate idea of what you might pay. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$330
18-24$151
25-34$127
35-44$102
45-54$116
55-64$96
65+$83

The older you are, the more experienced you are on the roads. That experience can really work in your favor when factored into your car insurance rates. As you can see, 18-24-year-olds pay $68 more than drivers 65 and older.

You can expect to see a decrease in your monthly premium drop about once a decade or so. Drivers in Wesley Chapel may see their rates creep back up a bit once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$110
Female$136

While women typically pay less than men do for auto insurance, Wesley Chapel bucks this trend. Female drivers typically pay around $26 more a month for auto insurance than their male counterparts.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$140
Multiple Accidents$174
1 Ticket$116
Multiple TicketsNot Enough Data

Depending on your driving record, your rates can vary quite a lot. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in Wesley Chapel with one accident will pay around $140 a month. Similarly, drivers with one ticket will typically pay around $116 on average.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$132
2-3 Years$92
4-5 Years$84
6-7 Years$99
8-10 Years$141
11-14 Years$129
15 Years or Older$118

As you can see in the first table above, the cheapest vehicles to insure in Wesley Chapel are typically SUVs, which run about $110 per month.

Car owners will see rates of about $121, while truck and van owners by and large pay around $149 per month.

Your vehicle's age has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is a few years old. In Wesley Chapel, vehicles eight-to-ten years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$124
Married$109
Divorced$117
Widowed$67

Generally speaking, those who have settled down into marriage will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

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 $15 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$101
Rent$130
Live with parents$128

One other element taken into consideration is your housing status. Drivers who own property in Wesley Chapel can expect to pay around $29 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average premiums.

Car Insurance Companies in Wesley Chapel, FL

Recent trends in car insurance for Wesley Chapel drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance provider.

In Wesley Chapel, the rates for auto insurance went up from 2016-2017, before trending downward from 2018-2020. They finished up in 2021, at $102 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 will take into account numerous factors when choosing how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around your home address. These include things like:

  • Amount of off-street parking
  • Local crime rates
  • Total drivers
  • Road Safety (total number of local car accidents)
  • Area regulations

While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering 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 to request a quote from a car insurance company.

Luckily, Compare.com will handle the heavy lifting for you. Put in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer plans in Wesley Chapel.

Compare the cheapest quotes from dozens of insurance companies

Wesley Chapel 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 age and gender, as well as your address, driving record, credit score, and marital status.

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

Local laws, parking situations, 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 Wesley Chapel?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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?

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 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.

Find your best rate in just a few minutes