The average cost of auto insurance in Boca Raton, FL, is on the higher side at $1,825. However, it is lower than the cost of insurance in neighboring places such as Pompano Beach and Deerfield Beach. But, it is higher than the state average of Florida. Several factors can affect the cost of auto insurance in Boca Raton. A thorough comparison of different auto insurance quotes will help car owners obtain an insurance quote that best suits their coverage needs. Zimlon also offers the option of keying in one’s zip code to get accurate auto insurance quotes.

Some of the factors that could increase the cost of auto insurance are as follows:

Demographic:

The cost of auto insurance differs in different parts of the city. The cost of auto insurance for married women is the lowest in Boca Raton at $1,533. The cost of auto insurance for teenagers continues to be high, at $4,599. As the above table indicates, the cost of auto insurance can vary from one neighborhood to another. It also depends on the driver’s age and the make and model of the vehicle.

Deductibles:

This is one of the most common factors influencing the cost of auto insurance in Boca Raton, FL. A low deductible ($500) usually increases the cost of auto insurance, whereas a high deductible ($1,000) lowers it. For example, the average cost of auto insurance when the deductible is $500 (Infiniti, M Series M37) is $2,070, and it decreases to $1,930 when the deductible is $1,000.

DUI:

DUIs can prove to be extremely expensive for car owners in every city of the country. This can have a lasting impact on insurance rates as well. The cost of auto insurance post-DUI in Boca Raton can be as high as $3,394. It increases to $9,130 for male teenagers and $8,146 for female teenagers. 

Credit Score:

A low credit score could also mean an increase in the cost of auto insurance. Moreover, auto insurance increases when the credit score is “poor” or “average.”

Driving Violations:

Driving Violations such as driving with an expired license or speeding can also have a severe impact on the cost of auto insurance in Boca Raton, FL, mainly because it increases the amount of risk being covered by insurers. 

Other factors that could make auto insurance expensive include not using anti-theft equipment. Comparing quotes is of utmost importance to reduce the cost of auto insurance in the city.