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How much is car insurance in Winter Haven?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in Winter Haven are about the same as what you would pay anywhere else in Florida.
Similarly, Winter Haven residents will likely pay higher rates for their insurance policy than the rest of the country. It's about $45 more expensive than the national average to insure your vehicle in Winter Haven.
These rates may be the average amount Winter Haven residents pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't worry, we've done the work for you and broken down the average rates for Winter Haven to help you understand what your monthly premium might be. 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 Haven Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? When it comes to car insurance bills, that experience pays off. According to the table above, you can see that 18-24-year-olds pay $65 more than drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement, however, your rates may begin to go back up in Winter Haven.
Winter Haven Car Insurance Rates by Gender
While women typically pay less than men do for auto insurance, Winter Haven defies this trend. Female drivers typically pay around $31 more a month for auto insurance than their male counterparts.
Winter Haven Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Those with fewer accidents and tickets will pay less than those with multiple infractions. Drivers in Winter Haven with a single accident will pay around $133 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $131.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Winter Haven Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$466|
|15 Years or Older||$112|
The most affordable vehicles to insure in Winter Haven are typically SUVs, which run about $103 per month.
Truck and van drivers will see rates of about $119 to insure their vehicle, while car owners by and large pay around $134 per month.
Vehicle age has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. However, if your car is around 5 years old, you can expect to see your rates start dropping back down. In Winter Haven, the most expensive vehicles to insure are vehicles less than one year old.
Winter Haven Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$134|
More often than not, married policyholders will pay slightly less for insurance coverage. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
In Winter Haven, the difference in rates based on relationship status can be as much as $35 a month.
Winter Haven Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$124|
Another factor taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $31 a month more than drivers who own property in Winter Haven. But those who live at home with their parents can expect to pay significantly 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 Haven, FL
Recent trends in car insurance for Winter Haven drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
The cost of insurance in Winter Haven had been decreasing from 2017-2019, where it reached a low of $105, before leveling out in 2020. Since 2021, policy premiums have once again been decreasing and hit $110 in 2022.
How does Winter Haven compare to neighboring areas?
Why are car insurance rates in Winter Haven different from other areas?
There are many factors car insurance companies will consider when figuring out how much to charge for a monthly rate. Where you live will also have a significant impact on your personal policy. This may include things like:
- Area laws
- Off-street parking availability
- Total drivers
- Frequency of car accidents
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 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.
Luckily, Compare.com has you covered. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering policies in Winter Haven in no time.
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Winter Haven Auto Insurance FAQs
What factors affect car insurance quotes in Winter Haven?
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, address, credit score, and marital status.
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 crime rates, local laws, 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 relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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?
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