Coral Springs, FL Car Insurance

Learn more about how to find affordable auto insurance in Coral Springs.

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What's the average cost of car insurance in Coral Springs?

 

Car insurance costs an average of $2,981 per year in Coral Springs. That's more than the average in Florida ($2,309) and more costly than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other factors in Coral Springs.

 
AUTO INSURANCE: CORAL SPRINGS RATES VS. STATE + NATIONAL AVERAGES
Coral Springs Average (per year)Florida AverageNational Average
$2,981$2,309$1,548
 
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Coral Springs car insurance rates by company

 

One of the most important determinants of your car insurance rates is the insurance company you work with. For a typical driver, State Farm offers Coral Springs's cheapest rates. We've gathered the best cheap car insurance companies in Coral Springs below. You should only use this list as a starting point: it's important to compare quotes specific to your unique driving profile.

 
CORAL SPRINGS CAR INSURANCE RATES BY COMPANY
InsurerAverage Yearly Rate
State Farm$2,213
GEICO$2,854
Progressive$3,234
Allstate$3,878
 

Check out our guide to learn how to find the best cheap car insurance.

 

Coral Springs car insurance costs by age

The age group that pays the least for car insurance in Coral Springs are drivers in their 50s ($2,737 per year). Drivers in their 60s pay marginally higher rates — $2,796 per year.

The Coral Springs drivers who face the priciest insurance rates are teenagers. One of the most effective ways to get cheaper car insurance rates as a driver in Coral Springs is to celebrate your 20th birthday. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Coral Springs is $4,625. That's the biggest gap in premiums between any pair of age brackets.

 
CORAL SPRINGS CAR INSURANCE RATES BY DRIVER AGE
Age bracketAverage Annual Rate
Teenagers$8,403
20s$3,777
30s$2,968
40s$2,912
50s$2,737
60s$2,796
70s$3,407
 

Learn more about how age influences auto insurance rates.

 

Coral Springs car insurance premiums by gender and marital status

 

In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. Married drivers in Coral Springs pay $101 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Coral Springs, single drivers pay more than those who are widowed.

Gender is yet another factor that can affect auto insurance premiums. In Coral Springs, female drivers pay $91 per year more than do male drivers for car insurance.

 
CORAL SPRINGS CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Yearly Rate
Female$3,072
Male$2,981
Single$2,880
Married$2,880
Divorced$2,981
Widowed$2,933
 

Read more about the relationships between gender, marital status and insurance rates.

 

Coral Springs car insurance costs by driving history

 

No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates affordable. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.

Two of the most costly citations to receive are DUI and reckless driving. Coral Springs drivers found guilty of reckless driving face insurance rate increases of $1,654 per year, compared to the citywide average. A DUI violation may lead to a $1,516 increase, while a citation for speeding leads to an $801 rate hike.

 
CORAL SPRINGS CAR INSURANCE RATES AFTER A COLLISION OR CITATION
Incident/ViolationAverage Yearly Rate
DUI/DWI$4,496
Reckless Driving$4,634
At-fault Accident (damages < $1,000)$4,123
At-fault Accident (damages greater than $2,000)$4,123
Speeding Ticket (16-20 mph over speed limit)$3,782
 

Get more info on how a bad driving history can impact your car insurance costs.

 

Coral Springs car insurance costs by credit score

 

In many cases, a driver's credit level is closely correlated with their auto insurance rates. In Coral Springs, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 60% drop in car insurance costs. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Coral Springs, improving your credit to "Fair" corresponds with a $2,330 decrease in annual car insurance rates.

 
CORAL SPRINGS CAR INSURANCE RATES BY CREDIT SCORE
Credit LevelAverage Rate (annual)
Very Poor$6,015
Fair$3,685
Good$2,981
Very Good$2,687
Exceptional$2,376
 

Learn more about the relationship between poor credit and car insurance.

 

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Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET, iDriveSafely.com, and Kin Insurance.