Table of contents
How much is car insurance in Winter Springs?
| Area | Average Monthly Car Insurance Premium |
|---|---|
| Winter Springs | $104 |
| FL | $122 |
| United States | $80 |
Based on the chart above, you can see that coverage in Winter Springs typically costs about $18 a month less than it does in the rest of Florida.
If you're considering relocating to Winter Springs from out of state, you may want to budget a little extra for your insurance. You can expect to pay about $24 more for your policy in Winter Springs.
Keep in mind that these are the average auto insurance rates for Winter Springs, and that the rate you get could end up being 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.
We've broken down the average rates for Winter Springs to help you understand what exactly you might be asked to pay. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
| Age Range | Average Premium |
|---|---|
| Under 18 | Not Enough Data |
| 18-24 | $141 |
| 25-34 | $104 |
| 35-44 | $87 |
| 45-54 | Not Enough Data |
| 55-64 | $76 |
| 65+ | $95 |
It makes sense that older drivers would have more experience behind the wheel, right? That experience can really work in your favor when factored into your car insurance rates. As you can see, 18-24-year-olds pay $46 more than drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement age, however, your rates may rise again in Winter Springs.
Average Car Insurance Rates by Gender
| Gender | Average |
|---|---|
| Male | $95 |
| Female | $114 |
While women typically pay less than men do for auto insurance, Winter Springs bucks this trend. Female drivers typically pay around $19 more per month to insure their vehicle than their male counterparts.
Average Auto Insurance Rates by Driving Record
| Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $138 |
| Multiple Accidents | $169 |
| 1 Ticket | $211 |
| Multiple Tickets | Not Enough Data |
Rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Winter Springs, having a single accident on your record will usually get you rates around $138 a month. In addition, drivers with one ticket can expect to pay around $211 a month on average.
Accidents, tickets, and other driving infractions can cost you some serious cash. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
| Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $101 |
| 2-3 Years | $138 |
| 4-5 Years | $74 |
| 6-7 Years | $100 |
| 8-10 Years | $116 |
| 11-14 Years | $104 |
| 15 Years or Older | $95 |
The cheapest vehicles to insure in Winter Springs are by and large SUVs, with each type typically costing about $91 per month.
Truck and van drivers will see rates of about $92, while the rates for car owners average out to about $108 a month.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. In Winter Springs, vehicles two-to -three years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
| Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $109 |
| Married | $82 |
| Divorced | $95 |
| Widowed | $119 |
More often than not, those who are currently married will pay slightly less for auto insurance coverage. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
According to the table above, the difference in rates based on relationship status in Winter Springs can be as much as $27 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
| Housing Status | Average Monthly Premium |
|---|---|
| Own | $94 |
| Rent | $109 |
| Live with parents | $121 |
Your living situation is another factor that affects your monthly rate. Drivers who own property in Winter Springs can expect to pay around $15 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 costs, 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 deciding when and where to shop.
The rates for auto insurance in Winter Springs had been increasing from 2016-2017, before taking a downward turn from 2018-2019. They finished down in 2021 at $99.
How does Winter Springs compare to neighboring areas?
Why are car insurance rates in Winter Springs different from other areas?
There are a number of factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. While we mentioned the factors that affect your personal policy, others are based around where you call home. These include things like:
- Amount of off-street parking
- Rate of crime
- Rate of car accidents
- Amount of drivers in the community
- Community regulations
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 get started.
How can I find the cheapest car insurance in Winter Springs?
Arming 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. Just punch in your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from the many car insurance companies offering policies in Winter Springs.
Winter Springs Insurance FAQs
What factors affect car insurance quotes in Winter Springs?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Winter Springs different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, local laws, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Winter Springs?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Winter Springs?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Winter Springs or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.