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How much is car insurance in Winter Springs?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Winter Springs are about $15 a month cheaper than in the rest of Florida.
Drivers relocating the Winter Springs should take note of the differences in average rates. It's about $27 more expensive than the national average to insure your vehicle in Winter Springs.
Bear in mind that while these are the average car insurance rates for Winter Springs, 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 factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.
But don't worry, we've broken down the average rates for Winter Springs residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experienced you are on the roads. That experience can turn into some real savings when it comes to auto insurance rates. As you can see, 18-24-year-olds pay a lot more than someone who is retirement aged.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Having said that, once you approach retirement your rates may climb back up in Winter Springs.
Average Car Insurance Rates by Gender
Despite the national trend of women paying less than men for auto insurance, in Winter Springs men actually pay $103 per month for coverage while women pay $113.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records can expect to pay less than those with accidents or violations. In Winter Springs, a driving record with a single accident will usually get you a rate around $144 a month. Similarly, drivers with one ticket will typically pay around $121 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$110|
|15 Years or Older||$98|
In terms of affordable coverage, the cheapest vehicles to insure in Winter Springs are typically trucks and vans, at $96 per month.
SUV drivers will see rates of about $119 for auto insurance coverage, while car owners by and large pay around $107 a month.
In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. In Winter Springs, the most expensive vehicles to insure are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$113|
Generally speaking, those who are currently married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend 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 $31 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$114|
One other element taken into consideration is your living situation. If you rent your home or apartment in Winter Springs, expect to pay around $18 a month more than if you own property. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Winter Springs, FL
Recent trends in car insurance for Winter Springs drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.
The rates for car insurance in Winter Springs dropped from 2017-2019, before increasing from 2020-2021. They finished down in 2022 at $71.
How does Winter Springs compare to neighboring areas?
Why are car insurance rates in Winter Springs different from other areas?
When considering how much to charge for coverage, car insurance companies will review a number of factors. Your insurance policy will depend largely on your home address and will be influenced by things such as:
- Off-street parking access
- Regional regulations
- Number of car accidents
- Number of drivers in the community
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. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Winter Springs?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
But wait! Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from a number of the car insurance companies providing plans in Winter Springs.
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Winter Springs Insurance FAQs
What factors affect car insurance quotes in Winter Springs?
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 address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Winter Springs 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, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Winter Springs?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Winter Springs?
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, 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 Springs 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.
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