Winter Springs, FL Car Insurance

How does Winter Springs compare to the surrounding area and the rest of Florida? What rates can residents of Winter Springs expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:

How much is car insurance in Winter Springs?

Compared to the rest of the Florida, coverage in Winter Springs is about $16 a month cheaper.

On the flip side, residents of Winter Springs might expect to pay higher rates for coverage than the rest of the country. It's around $27 more expensive to insure your vehicle in Winter Springs compared to the average rate for the rest of the U.S.

Although these are the average rates for auto insurance in Winter Springs, it's important to remember that 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. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

But don't worry, we've broken down average rates for Winter Springs residents so that you can get a more accurate idea of what you might pay. 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!

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Winter Springs Car Insurance Rates by Age

It's pretty safe to assume that the older you are, the longer you've been driving. When it comes to auto insurance rates, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay $54 more than someone who is at retirement age.

You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement age, however, you may see your rates begin to increase again in Winter Springs.

Winter Springs Car Insurance Rates by Gender

Although women typically pay less than men do to insure their vehicle, this is not the case in Winter Springs, where female drivers pay around $111 per month while male drivers pay about $103.

Winter Springs Auto Insurance Rates by Driving Record

Your rates can change quite drastically depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. The rate for drivers in Winter Springs with a single accident on their record is about $135 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $110 on average.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Winter Springs Insurance Rates by Vehicle

If you look at the first table above, you'll see that trucks and vans are by and large the cheapest vehicles to insure in Winter Springs, with drivers paying around $97 per month for insurance coverage.

Car owners can expect to pay an average of around $106 a month for their policy, while SUVs usually cost around $116 a month to insure.

Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is close to 5 years old. In Winter Springs, the most expensive vehicles to insure are vehicles two-to -three years old.

Winter Springs Car Insurance Rates by Relationship Status

Generally, people who are married will pay slightly less to insure their car. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.

At a national level, single drivers usually pay more than married couples do for auto insurance. Winter Springs follows that pattern, with the difference totaling to around $30 a month.

Winter Springs Car Insurance Rates by Housing Situation

Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $17 a month more than homeowners in Winter Springs. But those who live at home with their parents can expect to pay significantly more.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Recent trends in car insurance for Winter Springs drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.

In Winter Springs, the rates for auto insurance had been decreasing from 2017-2019, before rising from 2020-2021. They finished down in 2022 at $82.

How does Winter Springs compare to neighboring areas?

Why are car insurance rates in Winter Springs different from other areas?

Car insurance companies look at a variety of factors when they're deciding how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live. These include things like:

• Regional crime rates

• Amount of off-street parking

• Area laws

• Total number of drivers

• Road Safety (frequency of 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. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

How can I find the cheapest car insurance in Winter Springs?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

But hold on! Compare.com can handle all of this for you. Put in your ZIP below, answer a few questions about you and your car, and you'll be quickly comparing the cheapest quotes from a number of the car insurance companies that offer auto coverage in Winter Springs.

Winter Springs Auto Insurance FAQs