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How much is car insurance in Winter Haven?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that the costs for coverage in Winter Haven are in line with rates across the rest of Florida.
Similarly, drivers in Winter Haven may pay higher rates than the rest of the country. It's around $44 more expensive to insure your vehicle in Winter Haven compared to the average rate for the rest of the U.S.
While these are the average car insurance rates for Winter Haven, you could end up paying something different. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
Don't sweat it however, we've broken down average rates for Winter Haven residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. 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|
Generally speaking, the older you are, the more experience you have driving, right? That experience can lead to some serious savings when it comes to car insurance bills. In this case, 18-24-year-olds pay $65 more than someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. Having said that, once you approach retirement your rates may start to rise again in Winter Haven.
Average Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers for car insurance, Winter Haven actually defies this trend. While female drivers pay $141 a month for auto insurance, males only pay about $108.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in Winter Haven with one accident will pay around $133 a month. Similarly, drivers with one ticket will typically pay around $130 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$466|
|15 Years or Older||$112|
The cheapest vehicles to insure in Winter Haven are typically SUVs, with each type typically costing about $103 per month.
Car owners will see rates of about $134, while truck and van owners by and large pay around $119 per month.
In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, once your car is about 5 years old you may start to see your rates drop back down a bit. 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)||$134|
More often than not, married policyholders will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Winter Haven is no exception, with the difference totaling to around $35 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$124|
Another factor taken into consideration is your living accommodations. Those who own their own home in Winter Haven can expect to pay around $33 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 Haven, FL
Recent trends in car insurance for Winter Haven 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 deciding when and where to shop.
In Winter Haven, auto insurance rates had been decreasing from 2017-2019, where it reached a low of $105, before leveling out in 2020. Since 2021, car insurance rates have once again been decreasing and hit $114 in 2022.
How does Winter Haven compare to neighboring areas?
Why are car insurance rates in Winter Haven different from other areas?
Car insurance companies look at numerous factors when they're deciding how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you park your car. These include things like:
- Amount of drivers in the region
- Availability of off-street parking
- Prevalence of crime
- Road Safety (frequency of car accidents)
- Local regulations
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Good news! 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 providing plans in Winter Haven.
Winter Haven Insurance FAQs
What factors affect car insurance quotes in Winter Haven?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Winter Haven 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 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 however, 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. 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 Haven 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?