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How much is car insurance in Winter Haven?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies in Winter Haven are about $6 a month more expensive than the rest of Florida.
Likewise, drivers in Winter Haven may pay higher rates than the rest of the country. The average monthly payment for the rest of the U.S. is about is about $48 cheaper than it is in Winter Haven.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've analyzed the average rate for Winter Haven and broken down the different factors to help you understand what your policy's monthly premium will be. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experienced you are on the roads. That experience pays off when it comes to auto insurance. As you can see, 18-24-year-olds pay $71 more than drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. As you get closer to retirement age, however, you may see your rates creep back up in Winter Haven.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Winter Haven, where female drivers pay around $41 more per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers with clean records will pay much lower rates than those with accidents or violations. The rate for drivers in Winter Haven with a single accident on their record is about $142 a month. In addition, drivers with one ticket can expect to pay around $167 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$786|
|15 Years or Older||$114|
In Winter Haven, the cheapest vehicles to insure are by and large SUVs, with drivers paying around $100 per month for insurance.
Car owners will see rates of about $140, while truck and van owners typically pay around $115 a month.
Your vehicle's age also plays a role in your monthly payment. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to drop back down once your car is a few years old. In Winter Haven, 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)||$141|
On average, people who are married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Winter Haven is no exception, with the difference totaling to around $40 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$131|
Another factor taken into consideration is your housing situation. Homeowners in Winter Haven can expect to pay around $41 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Winter Haven, FL
Recent trends in car insurance for Winter Haven drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
In Winter Haven, auto insurance rates rose from 2016-2017, before trending downward from 2018-2019. They finished down in 2021, at $104 per month.
How does Winter Haven compare to neighboring areas?
Why are car insurance rates in Winter Haven different from other areas?
There are a variety of factors car insurance companies will consider when figuring out how much to charge for a monthly rate. The price of your insurance policy will depend largely on your home address and will be influenced by things such as:
- Availability of off-street parking
- Total number of drivers
- Community laws
- Road Safety (frequency of local car accidents)
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making 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 Winter Haven?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Fortunately, Compare.com does all of that work for you. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering coverage in Winter Haven.
Winter Haven Insurance FAQs
What factors affect car insurance quotes in Winter Haven?
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 gender and age, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Winter Haven different from other neighboring cities?
Things like crime rates, parking situations, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Winter Haven?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Winter Haven?
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?
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 Winter Haven 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.