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How much is car insurance in Winter Garden?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Winter Garden typically costs about $21 a month less than it does in the rest of Florida.
If you're considering relocating to Winter Garden from out of state, you may want to budget a little extra for your insurance. It's around $22 more expensive to insure your vehicle in Winter Garden compared to the average rate for the rest of the U.S.
While these are the average monthly costs for auto insurance coverage in Winter Garden, 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 gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.
But don't worry, we've broken down average rates for Winter Garden residents so that you can get a more accurate idea of what you might pay. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
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Winter Garden Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can turn into some real savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay $63 more than someone who is retirement aged.
For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement, however, you may see your rates climb back up a bit in Winter Garden.
Winter Garden Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. The difference in Winter Garden is about $9 a month. As illustrated in the table above, female drivers in the area pay about $96 on average, while male drivers pay around $105 each month.
Winter Garden Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Those with clean records will obviously pay significantly less than those with infractions. In Winter Garden, drivers with one accident on their record will experience rates around $111 a month. Similarly, drivers with one ticket will typically pay around $95 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.
Winter Garden Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$151|
|15 Years or Older||$102|
As you can see in the first table above, the cheapest vehicles to insure in Winter Garden are by and large SUVs, which run about $95 per month.
Truck and van drivers will see rates of about $100 for auto insurance, while car owners typically pay around $104 per month.
You may also see different rates based on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. However, once your car is about 5 years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in Winter Garden are vehicles less than one year old.
Winter Garden Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$105|
On average, those who have settled down into marriage will pay slightly less for car insurance. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
As you can see in the table above, married couples pay about the same rate as single drivers in Winter Garden.
Winter Garden Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$139|
Your living situation is another component of how insurance companies calculate your monthly rate. Drivers who own property in Winter Garden can expect to pay around $6 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.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Winter Garden, FL
Recent trends in car insurance for Winter Garden drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an insurance provider.
In Winter Garden, auto insurance rates declined from 2017-2020, before leveling out in 2021. Insurance rates finished down in 2022, at $68 a month
How does Winter Garden compare to neighboring areas?
Why are car insurance rates in Winter Garden different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider numerous factors. The specifics of your home address will have an impact on your personal policy. This might include things like:
- General road safety (how many accidents each locality has)
- Community laws
- Amount of off-street parking
- Total number of drivers
- Crime levels
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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 Winter Garden?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But wait! Compare.com will handle the heavy lifting for you. Enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies that offer coverage in Winter Garden.
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Winter Garden Auto Insurance FAQs
What factors affect car insurance quotes in Winter Garden?
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, address, and marital status.
Why is the cost of car insurance in Winter Garden different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Winter Garden?
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 Winter Garden?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Winter Garden or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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