Table of contents
How much is car insurance in Winter Garden?
| Area | Average Monthly Car Insurance Premium |
|---|---|
| Winter Garden | $103 |
| FL | $122 |
| United States | $80 |
The cost of coverage in Winter Garden is about $19 a month cheaper than it is for the rest of Florida.
Conversely, Winter Garden residents should prepare to pay higher rates for coverage than the rest of the country. It's about $23 more expensive than the national average to insure your vehicle in Winter Garden.
While these numbers are the average rates for auto insurance in Winter Garden, that doesn't mean it's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
Don't worry, we've done the work for you and broken down average rates for Winter Garden to help you get a more accurate idea of what you'll be charged for your policy. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
| Age Range | Average Premium |
|---|---|
| Under 18 | Not Enough Data |
| 18-24 | $145 |
| 25-34 | $104 |
| 35-44 | $90 |
| 45-54 | $88 |
| 55-64 | $82 |
| 65+ | $90 |
It makes sense that older drivers would have more experience behind the wheel, right? When it comes to your monthly premium, that experience can really pay off. As you can see, 18-24-year-olds pay $55 more than someone who is retirement aged.
You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement your rates may climb back up a bit in Winter Garden.
Average Car Insurance Rates by Gender
| Gender | Average |
|---|---|
| Male | $107 |
| Female | $99 |
Female drivers pay, on average, slightly less than their male counterparts. This is true in Winter Garden, where male drivers pay about $8 more a month. As illustrated in the table above, female drivers in the area pay about $99 on average, while male drivers pay around $107 each month.
Average Auto Insurance Rates by Driving Record
| Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $124 |
| Multiple Accidents | $117 |
| 1 Ticket | $141 |
| Multiple Tickets | Not Enough Data |
Depending on your driving record, your rates can vary wildly. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Winter Garden, drivers with one accident on their record will experience rates around $124 a month. In addition, drivers with a single ticket on their record can expect to pay around $141 a month on average.
Accidents, tickets, and other driving infractions can really hurt your wallet. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
| Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $155 |
| 2-3 Years | $98 |
| 4-5 Years | $81 |
| 6-7 Years | $107 |
| 8-10 Years | $88 |
| 11-14 Years | $110 |
| 15 Years or Older | $104 |
According to the first table above, trucks and vans are by and large the cheapest vehicles to insure in Winter Garden, with drivers paying around $85 per month for auto insurance coverage.
SUV drivers will see rates of about $103 for insurance coverage, while car owners usually pay around $108 per month.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is a few years old. In Winter Garden, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
| Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $106 |
| Married | $105 |
| Divorced | $86 |
| Widowed | $49 |
Generally speaking, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
Despite married couples normally paying less than single drivers for auto insurance, the rates for both groups in Winter Garden are on par with each other.
Average Car Insurance Rates by Housing Situation
| Housing Status | Average Monthly Premium |
|---|---|
| Own | $102 |
| Rent | $103 |
| Live with parents | $137 |
Another factor taken into consideration is your living situation. Renters can expect to pay around $1 a month more than those who own their own home in Winter Garden. Those who live with their parents, however, can expect to pay a lot more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Winter Garden, FL
Recent trends in car insurance for Winter Garden drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
In Winter Garden, auto insurance rates had been increasing from 2016-2017, but began to decrease in 2018. This trend has continued through 2021 when rates have most recently reached $88.
How does Winter Garden compare to neighboring areas?
Why are car insurance rates in Winter Garden different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:
- Area regulations
- Off-street parking availability
- Area crime rates
- Total number of drivers in the region
- Rate of car accidents
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. With the knowledge 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?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Don't worry, Compare.com will handle the heavy lifting for you. Just type in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies that offer 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 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 Winter Garden different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, local laws, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Winter Garden?
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 Winter Garden?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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.