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Cheapest Car Insurance Rates in Alafaya, florida

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Driving Conditions in Alafaya, florida

At White Chip Insurance we understand the importance of finding the best carriers for our clients.

117Rainy Days a Year
52 in.Average Annual Rainfall
0 in.Average Annual Snowfall

Alafaya, florida Car Insurance Rates by Provider

With a variety of car insurance providers to choose from in Alafaya, Florida, such as Geico, Progressive, State Farm, Allstate, and USAA, it is crucial to compare rates and coverage options to ensure you are receiving the best policy possible. White Chip Insurance has existing relationships with each of these carriers and is able to ensure you will be quoted the cheapest car insurance rates in all of Alafaya. White Chip Insurance offers a free quote service, so you can compare rates without any obligation.

ProviderAverage Annual Rate
State Farm$1,848

Alafaya, florida Car Insurance Rates by Age

In Alafaya, Florida, car insurance rates can vary depending on the age of the driver. Most insurance companies require younger drivers to pay higher premiums than older drivers because of the risk that is associated with new drivers. White Chip Insurance is committed to providing fair insurance rates to all drivers, despite their age. Contact a White Chip Insurance agent today to compare rates without any obligation.

AgeAverage Annual Rate
16 - 19$7,764

Alafaya, florida Car Insurance Rates by Gender and Marital Status

Car insurance companies cannot use gender as a basis for determining insurance rates and most states have laws prohibiting insurers from using gender as a factor when determining rates. In Alafaya, Florida, you typically won’t find varying insurance rates, based on gender. However, on average, female drivers in Alafaya, Florida pay slightly more. Married couples typically have lower car insurance rates than single drivers because it is assumed that married drivers will drive more responsibly and take fewer risks behind the wheel. In Alafaya, Florida, divorced or widowed drivers can expect to see a slight increase in their rates than single or married drivers. White Chip Insurance will find you the cheapest rates no matter which category you fall into.

Gender and Marital StatusAverage Annual Rate

Alafaya, florida Car Insurance Rates by Driving Record

Driving records are a huge consideration for insurance companies when it comes to determining rates. A clean driving record can lend discounts and lower premiums, while a faulty driving record can, in some cases, double the cost. Drivers who have had a DUI conviction or multiple traffic violations may be charged significantly higher rates. On average, Alafaya, Florida offers a rate of $1,340 for a clean driving record and can go as high as $4,125 for a faulty driving record. Contact a White Chip Insurance agent today to compare rates from a variety of providers to get you the cheapest car insurance possible.

Driving RecordAverage Annual Rate
Reckless Driving$4,316
At-fault Accident (damages less than $1,000)$3,940
At-fault Accident (damages greater than $2,000)$3,940
Speeding Ticket (16-20mph over speed limit)$3,645

Alafaya, florida Car Insurance Rates by Credit Score

Credit score is often taken into consideration when determining car insurance rates. Generally, the higher the credit score, the lower the car insurance rates. Since car insurance companies take into account an individual's financial history when determining rates, those with higher credit scores may be seen as more responsible and therefore may be able to access lower rates.

Low credit score? No worries - White Chip Insurance is dedicated to providing the cheapest car insurance rates in Alafaya, Florida to drivers of all credit scores. Contact a White Chip Insurance agent today to compare rates without any obligation.

Credit ScoreAverage Annual Rate
300 - 579$5,425
580 - 669$3,950
670 - 739$2,832
740 - 799$2,490
740 - 799$2,210

Cheapest Area Codes in Alafaya, florida

Some zip codes in Alafaya, Florida are more expensive due to their proximity to desirable areas with better job prospects, educational opportunities, and access to amenities such as shopping, dining, and entertainment. Other factors that can contribute to higher prices in certain areas include the quality of schools and the safety of the neighborhood. The most expensive zip code in Alafaya, Florida is 32828, with an average home value of $682,500. The least expensive zip code in Alafaya, Florida is 32817, with an average home value of $375,000.

Most Expensive Alafaya, florida ZIP Codes

32816, 32817, 32818, 32819, 32826

Least Expensive Alafaya, florida ZIP Codes

32820, 32824, 32825, 32827, 32828

Local Amenities in Alafaya, florida

Our team and main headquarters is located in Tampa, Florida. We have a staff of 13 licensed insurance agents that have been in the Tampa, Florida insurance business for several years. Check out some of Tampa’s most notable local amenities below.

Alafaya, florida Car Insurance FAQs

Below you’ll find answers to some frequently asked questions regarding florida Car Insurance.

What company has the cheapest car insurance in Florida?

Some of the most popular car insurance providers in Florida include State Farm, Allstate, GEICO, Progressive, and USAA. The cheapest rate varies on a driver-by-driver basis.

What is the average cost for car insurance in Florida?

According to the Insurance Information Institute, the average cost of car insurance in Florida is $2,309 per year, which is almost $1,000 more than the national average. The most expensive car insurance is found in the city of Miami, with an average annual cost of $3,764. The least expensive city is Punta Gorda, with an average annual cost of $1,698. The average cost of car insurance in Alafaya is $2,832. It is important to contact a White Chip Insurance agent to compare quotes from multiple insurers to ensure you get the cheapest car insurance rate possible.

Why is car insurance so expensive in Florida?

Car insurance is expensive in Florida because the state runs a high risk of natural disasters, like hurricanes and floods, and also has a high rate of car theft. Also, Florida is a no fault state, which means that drivers are personally responsible for their own medical expenses regardless of who is at fault in an accident. All of these factors result in an increase to all types of insurance in Florida.

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How much is car insurance near Alafaya, FL?
MiamiFort LauderdaleOrlando
OcalaSt. PetersburgHialeah
HollywoodCape CoralPembroke Pines
Port St. LucieMiami GardensGainesville
Coral Springs Lehigh AcresClearwater
Palm BayPompano BeachWest Palm Beach
Boca RatonSunriseSpring Hill
PlantationFort MyersLargo
BrandonPalm Coast

Find the Cheapest Car Insurance Rates