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How much is car insurance in Zephyrhills?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the average cost of auto insurance in Florida is about $16 a month more expensive than it is in Zephyrhills.
If you're considering relocating to Zephyrhills from out of state, you may want to budget a little extra for your insurance. It's about $26 more expensive than the national average to insure your vehicle in Zephyrhills.
Keep in mind that these are the average auto insurance rates for Zephyrhills, and that the rate you get could end up being something different. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.
We've analyzed the average rate for Zephyrhills and broken down the different factors to help you understand what your policy's monthly premium will be. And if you're not sure if you're getting the cheapest rate, 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|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. That experience can really work in your favor when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.
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 age your rates may begin to go back up in Zephyrhills.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Zephyrhills, however, the difference in monthly policy premiums is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. In Zephyrhills, a driving record with a single accident will usually get you a rate around $160 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.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$117|
|15 Years or Older||$99|
In terms of affordable coverage, the cheapest vehicles to insure in Zephyrhills are typically SUVs, at $96 per month.
SUV owners will see rates of about $96, while truck and van owners usually pay around $110 per month.
Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. Once your car is about 5 years old however, your rates may start to dip back down a bit. In Zephyrhills, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$103|
On average, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Zephyrhills is no exception, with the difference totaling to around $13 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$220|
Your living situation is another factor that affects your monthly rate. Homeowners in Zephyrhills can expect to pay around $9 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance premiums.
Car Insurance Companies in Zephyrhills, FL
Recent trends in car insurance for Zephyrhills drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
In Zephyrhills, car insurance rates had been increasing from 2016-2017, before turning downward from 2018-2019. They finished down in 2021, at $93.
How does Zephyrhills compare to neighboring areas?
Why are car insurance rates in Zephyrhills different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider many factors. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:
- Regional laws
- Total drivers
- Rate of crime
- Availability of off-street parking
- Road Safety (frequency of car accidents)
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or 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 Zephyrhills?
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.
Don't worry, Compare.com does all of that work for you. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer plans in Zephyrhills.
Zephyrhills Insurance FAQs
What factors affect car insurance quotes in Zephyrhills?
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 marital status, address, credit score, and driving record.
Why is the cost of car insurance in Zephyrhills different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, 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 Zephyrhills?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Zephyrhills?
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?
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 Zephyrhills 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.