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How much is car insurance in Winter Springs?
|Area||Average Monthly Car Insurance Premium|
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
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
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
|Infractions||Average Monthly Premium|
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
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$110|
|15 Years or Older||$97|
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
|Relationship||Average Monthly Premium|
|Single (never married)||$112|
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
|Housing Status||Average Monthly Premium|
|Live with parents||$114|
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.
Car Insurance Companies in Winter Springs, FL
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.
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Winter Springs Auto 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 you can't control like your gender and age but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Winter Springs different from other neighboring cities?
Things like local laws, crime rates, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Winter Springs?
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 by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Winter Springs?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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?
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.
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