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Cheapest Car Insurance Rates in Brandon, florida

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Driving Conditions in Brandon, florida

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

110Rainy Days a Year
51 in.Average Annual Rainfall
0 in.Average Annual Snowfall

Brandon, florida Car Insurance Rates by Provider

There are many car insurance providers in Brandon, Florida to choose from, so it is best to compare rates and coverage options to find the best policy for you. The top providers in the area include Geico, Progressive, State Farm, Allstate, and USAA. Each company offers a variety of discounts and coverage options, so it's important to compare the rates and coverage to find the best fit for your needs. White Chip Insurance has established relationships with all these carriers so we can ensure you will receive the cheapest car insurance rate.

ProviderAverage Annual Rate
State Farm$1,852

Brandon, florida Car Insurance Rates by Age

In Brandon, 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 and get cheap car insurance in Brandon, Florida.

AgeAverage Annual Rate

Brandon, florida Car Insurance Rates by Gender and Marital Status

In Brandon, Florida, car insurance rates do not typically differ based on gender. This is because car insurance companies cannot use gender as a factor in their pricing models. Some states have laws that prohibit insurers from using gender as a factor when setting rates. However, in Brandon, Florida, female drivers pay slightly more than male drivers on average. Marital status can also affect car insurance rates. Married couples generally pay less for car insurance than single drivers because they are seen as more responsible and less likely to take risks behind the wheel. In Brandon, Florida, divorced or widowed drivers can expect to pay slightly higher rates than single or married drivers. White Chip Insurance will ensure to find you the cheapest rates no matter which category you fall into.

Gender and Marital StatusAverage Annual Rate

Brandon, 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, Brandon, Florida offers a rate of $1,107 for a clean driving record and can go as high as $3,976 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$3,207
At-fault Accident (damages less than $1,000)$2,955
At-fault Accident (damages greater than $2,000)$2,955
Speeding Ticket (16-20mph over speed limit)$2,715

Brandon, 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 Brandon, Florida to drivers of all credit scores. Contact us today to learn more.

Credit ScoreAverage Annual Rate
300 - 570$4,105
580 - 669$2,643
670 - 739$2,154
740 - 799$1,967
800 - 850$1,675

Cheapest Area Codes in Brandon, florida

Brandon, Florida car insurance can be more expensive depending on where the company is located and if it's close to affluent amenities. If the surrounding area has safe neighborhoods, top-tier education options, and/or elite job opportunities, the insurance rates can be affected. The most expensive zip code in Brandon, Florida is 33514 with an average home value of $615,724, and the least expensive zip code is 33578 with an average home value of $456,852.

Most Expensive Brandon, florida ZIP Codes

33519, 33563, 33571, 33578, 33584

Least Expensive Brandon, florida ZIP Codes

33510, 33511, 33513, 33514, 33578

Local Amenities in Brandon, 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.

Brandon, florida Car Insurance FAQs

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

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 Brandon is $2,154. 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 more expensive in Florida because of the high risk of natural disasters, such as hurricanes and floods. Florida also has a high rate of car theft. Additionally, 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. This leads to higher costs of insurance in Florida.

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How much is car insurance near Brandon, FL?
OcalaMiamiFort Lauderdale
OrlandoSt. PetersburgHialeah
HollywoodCape CoralPembroke Pines
Port St. LucieMiami GardensGainesville
Coral Springs Lehigh AcresClearwater
Palm BayPompano BeachWest Palm Beach
Boca RatonSunriseSpring Hill
PlantationAlafayaFort Myers
LargoPalm Coast

Find the Cheapest Car Insurance Rates