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How much is car insurance in Zephyrhills?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Zephyrhills are about $19 a month cheaper than in the rest of Florida.
Drivers relocating the Zephyrhills should take note of the differences in average rates. It's about $24 more expensive than the national average to insure your vehicle in Zephyrhills.
Although these are the average rates for auto insurance in Zephyrhills, it's important to remember that you could end up paying something different. The amount that insurance companies end up charging you is determined by a number of factors. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've done the heavy lifting for you and broken down the average rate for Zephyrhills 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, simply enter your ZIP below and find out in just minutes!
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Zephyrhills Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experience you're likely to have behind the wheel, right? That experience can turn into some real savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay $49 more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Having said that, once you approach retirement your rates may begin to increase again in Zephyrhills.
Zephyrhills Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Zephyrhills, where female drivers pay around $6 more a month.
Zephyrhills Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Those with clean records can expect to pay less than those with infractions. In Zephyrhills, having a single accident on your record will usually get you rates around $134 a month. In addition, drivers with one ticket can expect to pay around $101 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. Remember, the safer you are as a driver, the cheaper your car insurance will be.
Zephyrhills Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$117|
|15 Years or Older||$96|
According to the first table above, trucks and vans are typically the cheapest vehicles to insure in Zephyrhills, with drivers paying around $86 per month for auto insurance.
SUV drivers will see rates of about $94, while the rates for car owners average out to about $118 per month.
In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. However, once your car is around 5 years old, you may start to see your monthly premium decrease. In Zephyrhills, the most expensive vehicles to insure are vehicles six-to-seven years old.
Zephyrhills Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$103|
Generally, married policyholders will pay slightly less for car insurance. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Zephyrhills as well, where the difference is around $6 a month.
Zephyrhills Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$220|
Your housing situation is another component of how insurance companies calculate your monthly rate. Drivers who own property in Zephyrhills can expect to pay around $14 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Zephyrhills, FL
Recent trends in car insurance for Zephyrhills drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
The rates for auto insurance in Zephyrhills dropped from 2017-2019, before leveling out in 2020. Car insurance rates began decreasing again in 2021, and finished down in 2022, at $81.
How does Zephyrhills compare to neighboring areas?
Why are car insurance rates in Zephyrhills different from other areas?
There are a variety of factors car insurance companies will consider when choosing how much to charge for a monthly rate. While we mentioned the factors that affect your personal policy, others are based around where you park your car. These include things like:
- Road Safety (frequency of local car accidents)
- Regional laws
- Number of drivers in the community
- Availability of off-street parking
- Crime levels
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
How can I find the cheapest car insurance in Zephyrhills?
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. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies providing policies in Zephyrhills.
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Zephyrhills Auto Insurance FAQs
What factors affect car insurance quotes in Zephyrhills?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your credit score, driving record, marital status, and address.
Why is the cost of car insurance in Zephyrhills different from other neighboring cities?
Things like crime rates, local laws, 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 Zephyrhills?
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 Zephyrhills?
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 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.
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