Brevard County, FL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Brevard County, FL, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Car insurance rates in Brevard County, Florida, widely vary for younger drivers
According to a recent Zimlon analysis on car insurance quotes in Brevard County, Florida, families with young drivers report the highest savings in premium rates between the 75th and 25th percentiles; the savings for this cohort amount to $5,708 (127.81%). Senior married drivers report the second highest savings of $1,034 (102.27%).
In the Zimlon survey one of the users described their experience as an insurance holder: “My auto company was able to provide me with a great bundle price to combine auto and renters insurance”. Normally, getting a suitable insurance policy requires users to compare and analyze prices across multiple companies. Zimlon compared insurance policies of major providers in Brevard County, by sourcing data from the Florida Office of Insurance Regulation.
A car insurance agreement has several components. The Zimlon survey considers the following components as reference points: an uninsured motorist limit and bodily injury limit ranging between $25,000 and $100,000; property damage limit between $50,000 and $100,000; deductibles for comprehensive and collision of $250 and $500; personal injury protection limit of $10,000; and medical payment limit of $5,000. In terms of car models, this survey focuses on the Toyota Camry LE and Toyota Corolla LE.
Families with young drivers pay the most expensive premiums, the lowest of which is offered by Florida Farm Bureau General Insurance ($3,330). Further, for this cohort of drivers, Progressive American Insurance offers the median premium of $6,008 and Infinity Auto Insurance provides the most expensive rate at $25,543.
The next cohort is 25-year-old single female drivers, who incur the second most expensive premiums in the state. For this cohort, United Services Automobile Association offers the lowest premium ($1,418), Allstate Insurance reports the median premium ($2,550), and Progressive records the most expensive premium ($6,134).
Senior married drivers pay the cheapest premiums in the state. For this cohort, Florida Farm Bureau General Insurance offers the lowest premium of $737, Allstate Insurance quotes a median rate of $1,434, and Direct General Insurance reports the most expensive of $3,259.
The following graph illustrates a comparison of premium rates across key cohorts in Brevard County, FL.
The following table compares the car insurance premiums for key cohorts in Brevard County, FL. In addition, it lists the names of companies and the differences in premium rates between the 75th and 25th percentiles.
| Cohort | Cheapest car insurance companies in Brevard county, FL | Most expensive car insurance companies in Brevard county, FL | Median car insurance companies in Brevard county, FL | 25th percentile of car insurance premiums in Brevard County, FL | 75th percentile of car insurance premiums in Brevard County, FL | Dollar difference between 25th and 75th percentiles | Percentage difference between 25th and 75th percentiles |
|---|---|---|---|---|---|---|---|
| Families with Young Drivers | Florida Farm Bureau General Insurance Company ($3,330) | Infinity Auto Insurance Company ($25,543) | Progressive American Insurance Company ($6,008) | Safeco Insurance Company Of Illinois ($4,466) | Allstate Property & Casualty Insurance Company ($10,174) | $5,708 | 127.81% |
| Senior Married Drivers | Florida Farm Bureau General Insurance Company ($737) | Direct General Insurance Company ($3,259) | Allstate Insurance Company ($1,434) | USAA Casualty Insurance Company ($1,011) | GEICO Indemnity Company ($2,045) | $1,034 | 102.27% |
| 25-year-old single female drivers | United Services Automobile Association ($1,418) | Progressive American Insurance Company ($6,134) | Allstate Insurance Company ($2,550) | USAA General Indemnity Company ($2,082) | LM General Insurance Company ($3,822) | $1,740 | 83.57% |
Factors that can influence the cost of car insurance in Brevard County, FL are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Brevard County, FL Auto Insurance Rates
- Brevard County, FL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Brevard County, FL
- Multi Vehicle Insurance Savings in Brevard County, FL
- How Credit Score Affects Car Insurance Rates in Brevard County, FL
- How DUI Affects Auto Insurance Premiums in Brevard County, FL
- Top Auto Insurance Agents Near Brevard County, FL
- How Driving Violations Affect Auto Insurance Rates in Brevard County, FL
- Brevard County, FL Auto Insurance Discounts on Anti Theft Feature
Brevard County, FL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Brevard County, FL with that of other cities in and around Brevard County.
| Brevard County | Cocoa Beach-Cape Canaveral | Viera West | Rockledge | Merritt Island | Cocoa Beach | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,544 | $2,262 | $2,272 | $2,148 | $1,155 | $2,306 |
Brevard County, FL Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Brevard County, FL based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Brevard County | $1,702 | $1,437 |
| Rockledge | $1,541 | $1,302 |
| Viera East | $1,255 | $1,060 |
| Viera West | $1,477 | $1,248 |
| Merritt Island | $3,024 | $2,554 |
| Cocoa Beach | $1,889 | $1,596 |
| Cocoa West | $2,726 | $2,303 |
| Cocoa Beach-Cape Canaveral | $1,352 | $1,142 |
Brevard County, FL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Brevard County, FL usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $5,010 |
| 20 Years | $1,984 |
| 30 Years | $1,528 |
| 40 Years | $1,470 |
| 50 Years | $1,361 |
| 60 Years | $1,380 |
| 70 Years | $1,607 |
Brevard County, FL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Brevard County, FL can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,656 | $432 |
| 3 Vehicles | $3,984 | $648 |
| 4 Vehicles | $5,311 | $865 |
Savings on 2 Vehicles bundle:$432
Savings on 3 Vehicles bundle:$648
Savings on 4 Vehicles bundle:$865
Brevard County, FL Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Brevard County, FL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Brevard County | $1,544 | $2,416 |
| Rockledge | $2,148 | $3,362 |
| Viera East | $2,229 | $3,488 |
| Viera West | $2,272 | $3,556 |
| Merritt Island | $1,155 | $1,808 |
| Cocoa Beach | $2,306 | $3,609 |
| Cocoa West | $2,057 | $3,219 |
| Cocoa Beach-Cape Canaveral | $2,262 | $3,540 |
Brevard County, FL Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,325 |
| Excellent (740-799) | $1,512 |
| Good (670-739) | $1,609 |
| Average (580-669) | $2,099 |
| Poor (300-579) | $2,518 |
Brevard County, FL Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Arty Pagan | State Farm | 4865 N Wickham Rd, Melbourne, 32940 | 321-775-1000 |
| Williams & Stazzone Insurance Agency Inc | Travelers | 99 N Atlantic Ave , Cocoa Beach, 32931 | None |
| Acg South Insurance Agency Llc | Travelers | 4100 N Wickham Rd Ste 101, Melbourne, 32935 | None |
| King Insurance & Financial Services, Inc. | None | 7001 N. Atlantic Avenue 7001 N. Atlantic Avenue , Cape Canaveral, 32920 | None |
| Aaa Insurance Agency | None | 3578 N Harbor City Blvd, Melbourne, 32935 | None |
| Curt Myers | State Farm | 31 Forrest Ave, Cocoa, 32922-7688 | 321-632-2138 |
| Brown & Brown Of Florida, Inc. | None | 7341 Office Park Place Ste 202A , Melbourne, 32940 | None |
| Cobia Insurance Agency | None | 8265 N Wickham Road Suite C , Melbourne, 32940 | (321) 312-3973 |
| Cobia Insurance Agency | None | 8265 N Wickham Road Suite C , Melbourne, 32940 | (321) 312-3973 |
Brevard County, FL Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$68 | $1,612 |
| Driver's Failure In Showing Documents | +$150 | $1,694 |
| Driving With An Expired Registration | +$159 | $1,703 |
| Driving At A Considerably Slow Pace | +$335 | $1,879 |
| Using A Cellphone While Driving | +$354 | $1,898 |
| Running A Red Light | +$360 | $1,904 |
| Speeding | +$378 | $1,922 |
| Driving A Vehicle Without The Required Permission | +$480 | $2,024 |
| Driving With An Expired/Suspended License | +$1,041 | $2,585 |
Brevard County, FL Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,482 |
| Active Disabling Device | $1,482 |
| Tracking Device | $1,451 |
| Passive Disabling Device | $1,436 |