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How much is car insurance in Zephyrhills?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $19 a month cheaper to insure your vehicle in Zephyrhills than it is in the rest of Florida.
On the other hand, Zephyrhills residents should prepare to pay higher rates for coverage than the rest of the country. It's around $23 more expensive to insure your vehicle in Zephyrhills compared to the average rate for the rest of the U.S.
Although these are the average rates for auto insurance in Zephyrhills, it's important to remember that you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.
Don't sweat it however, we've broken down average rates for Zephyrhills residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have behind the wheel, right? That experience can lead to some serious savings when it comes to auto insurance premiums. As you can see, 18-24-year-olds pay $48 more than someone who is retirement aged.
You can expect to see your monthly premium drop about once a decade or so. Drivers in Zephyrhills may see their rates creep back up once they hit retirement age.
Average Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers to insure their car, Zephyrhills actually goes against the grain. While female drivers pay $106 per month for auto insurance coverage, males only pay about $101.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Those with fewer accidents and tickets will pay less than those with multiple infractions. In Zephyrhills, drivers with one accident on their record will experience rates around $133 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $98.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$117|
|15 Years or Older||$95|
The cheapest vehicles to insure in Zephyrhills are by and large trucks and vans, with each type typically costing about $87 per month.
SUV drivers will see rates of about $91, while the rates for car owners average out to about $118 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 cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in Zephyrhills are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$103|
According to the table above, the difference in rates based on relationship status in Zephyrhills can be as much as $6 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$220|
One other element taken into consideration is your housing situation. In Zephyrhills, homeowners can expect to pay around $15 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
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 Zephyrhills, FL
Recent trends in car insurance for Zephyrhills drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.
Auto insurance rates in Zephyrhills declined from 2017-2019, before steadying out in 2020. Insurance rates began decreasing again in 2021, and finished down in 2022, at $60.
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 an insurance policy, car insurance companies will evaluate a variety of factors. Where you live will also have a significant impact on your personal policy. This may include things like:
- Local crime rates
- Road Safety (total number of local car accidents)
- Off-street parking availability
- Local regulations
- Total drivers
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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?
Equipping 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.
Luckily, Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from the many car insurance companies offering policies in Zephyrhills.
Zephyrhills 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 gender and age, but also factors like your address, driving record, credit score, and marital status.
Why is the cost of car insurance in Zephyrhills 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 Zephyrhills?
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 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?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Zephyrhills or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.