Winter Garden, FL Car Insurance

What can Winter Garden residents expect to pay for their car insurance? How do rates in Winter Garden measure up compared to neighboring areas, including Florida as a whole? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Winter Garden?

Based on the chart above, you can see that coverage in Winter Garden typically costs about $20 a month less than it does in the rest of Florida.

Drivers relocating the Winter Garden should take note of the differences in average rates. The average monthly payment in Winter Garden is about $22 more expensive than the rate for the rest of the U.S.

Although these are the average rates for auto insurance in Winter Garden, it's important to remember that you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

Don't sweat it however, we've broken down average rates for Winter Garden residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!

Average Car Insurance Rates by Age

It's pretty safe to assume that the older you are, the more experience you have as a driver. When it comes to car insurance premiums, that experience can really pay off. As you can see, 18-24-year-olds pay a lot more than drivers 65 and older.

You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement age, however, you may see your rates climb back up a bit in Winter Garden.

Average Car Insurance Rates by Gender

In general, female drivers pay less for car insurance than their male counterparts. This is true in Winter Garden, where women pay around $9 less per month. Looking at the table above, you can see that female drivers pay around $98 on average, while male drivers typically pay $107 each month.

Average Auto Insurance Rates by Driving Record

Depending on your driving record, your rates can vary quite a lot. Those with clean records can expect to pay less than those with infractions. Drivers in Winter Garden with a single accident will pay around $114 a month. Likewise, drivers with one ticket will be looking at a rate of around $95 a month on average.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

The cheapest vehicles to insure in Winter Garden are usually SUVs, with each type typically costing about $97 per month.

Truck and van drivers will see rates of about $100, while the rates for car owners average out to about $106 a month.

Your rates can also vary depending on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is around 5 years old you may start to see your rates drop back down a bit. In Winter Garden, the most expensive vehicles to insure are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

On average, people who are married will pay slightly less for car insurance coverage. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.

At a national level, single drivers usually pay more than married couples do for auto insurance. Winter Garden follows that pattern, with the difference totaling to around $4 a month.

Average Car Insurance Rates by Housing Situation

One other element taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $9 a month more than if you own your own home in Winter Garden. Those who live with their parents, however, can expect to pay a lot 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 Winter Garden, FL

Recent trends in car insurance for Winter Garden drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.

Auto insurance rates in Winter Garden decreased from 2017-2020, before steadying out in 2021. They finished down in 2022, at $63 per 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 coverage, car insurance companies will review a variety of factors. While we already talked about the ones that affect your personal policy, others are based around where you call home. These include things like:

• Availability of off-street parking
• Area laws
• Number of drivers in the area
• Prevalence of crime
• Road Safety (frequency of car accidents)

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. Get started with a guide like this to get familiar with the average rates of your area.

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.

Don't worry, Compare.com can handle all of this for you. Just put in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be quickly comparing the cheapest quotes from the many car insurance companies providing auto coverage in Winter Garden.

Winter Garden Insurance FAQs

What factors affect car insurance quotes in Winter Garden?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.

Why is the cost of car insurance in Winter Garden different from other neighboring cities?

Parking situations, local laws, 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 Winter Garden?

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to Winter Garden?

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?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Winter Garden or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.