Cocoa, FL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Cocoa, 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.
The Average Cost of Car Insurance in Cocoa, FL, is $2,080
The average cost of auto insurance in Cocoa, FL, is $2,080. This cost is higher than nearby locations like Brevard County, Cocoa West, and Sharpes but lower than other nearby locations like Cocoa-Rockledge and Port St. John. Car owners in Cocoa, FL, can save on their cost of car insurance by comparing quotes from different insurance companies. The cost of auto insurance depends on numerous factors ranging from the vehicle’s make and model to the driver’s age.
Deductibles:
This is one of the most common factors influencing the cost of auto insurance in Cocoa, FL. A low deductible ($500) usually increases auto insurance value, whereas a high deductible ($1,000) lowers it. For example, the average cost of auto insurance in Cocoa, FL, on a deductible of $500 is $1,482, and it decreases to $1,252 when the deductible is $1,000.
Age of the Driver:
According to Zimlon’s analysis, teenagers in Cocoa, FL, end up paying 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.
Neighborhood:
The neighborhood one lives in Cocoa, FL can also have an impact on the cost of auto insurance. Zimlon offers the option of keying in one’s zip code to get accurate auto insurance quotes from multiple auto insurance companies. Depending on several factors like the vehicle’s make and model and the rate of auto thefts in the neighborhood, the price can vary.
Credit Score:
Having an “excellent” or “good” credit score will also help car owners to save money on auto insurance in Cocoa, FL. Several auto insurance companies provide discounts to the car owner that have a higher positive credit score. Car insurance companies use the credit score of car drivers to determine suitable car insurance rates.
According to Zimlon’s analysis, the average car insurance cost for an exceptional credit score of 800-850 in Cocoa, FL is $1,785. For an excellent score of 740-799, the cost of auto insurance is $2,037, and for a good (670-739) to average (580-669) score the cost of auto insurance is more than $2000. Whereas, for a poor credit score of 300-579, insurance cost can reach up to $3,393 in Cocoa, FL.
Factors that can influence the cost of car insurance in Cocoa, 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.
- Cocoa, FL Auto Insurance Rates
- Cocoa, FL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Cocoa, FL
- Multi Vehicle Insurance Savings in Cocoa, FL
- How Credit Score Affects Car Insurance Rates in Cocoa, FL
- How DUI Affects Auto Insurance Premiums in Cocoa, FL
- Top Auto Insurance Agents Near Cocoa, FL
- How Driving Violations Affect Auto Insurance Rates in Cocoa, FL
- Cocoa, FL Auto Insurance Discounts on Anti Theft Feature
- Cocoa, FL Auto Insurance Company Reviews
Cocoa, FL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Cocoa, FL with that of other cities in and around Cocoa.
| Cocoa | Brevard County | Sharpes | Cocoa-Rockledge | Port St. John | Cocoa West | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $2,080 | $1,544 | $2,025 | $2,147 | $2,094 | $2,057 |
Cocoa, 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 Cocoa, 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) |
|---|---|---|
| Cocoa | $1,482 | $1,252 |
| Cocoa West | $2,726 | $2,303 |
| Cocoa-Rockledge | $1,538 | $1,299 |
| Rockledge | $1,541 | $1,302 |
| Sharpes | $1,519 | $1,283 |
| Merritt Island | $3,024 | $2,554 |
| Brevard County | $1,702 | $1,437 |
| Port St. John | $1,252 | $1,058 |
Cocoa, FL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Cocoa, 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 | $6,749 |
| 20 Years | $2,673 |
| 30 Years | $2,059 |
| 40 Years | $1,981 |
| 50 Years | $1,834 |
| 60 Years | $1,860 |
| 70 Years | $2,165 |
Cocoa, FL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Cocoa, 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 | $3,536 | $624 |
| 3 Vehicles | $5,304 | $936 |
| 4 Vehicles | $7,072 | $1,248 |
Savings on 2 Vehicles bundle:$624
Savings on 3 Vehicles bundle:$936
Savings on 4 Vehicles bundle:$1,248
Cocoa, 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 Cocoa, FL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Cocoa | $2,080 | $3,255 |
| Cocoa West | $2,057 | $3,219 |
| Cocoa-Rockledge | $2,147 | $3,360 |
| Rockledge | $2,148 | $3,362 |
| Sharpes | $2,025 | $3,169 |
| Merritt Island | $1,155 | $1,808 |
| Brevard County | $1,544 | $2,416 |
| Port St. John | $2,094 | $3,277 |
Cocoa, 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) | $1,785 |
| Excellent (740-799) | $2,037 |
| Good (670-739) | $2,167 |
| Average (580-669) | $2,828 |
| Poor (300-579) | $3,393 |
Cocoa, 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 |
|---|---|---|---|
| Golden Heritage Advisors | Travelers | 311 MAGNOLIA AVE, MERRITT ISLAND, 32952 | 321-453-6565 |
| Golden Heritage Advisors | Travelers | 311 MAGNOLIA AVE, MERRITT ISLAND, 32952 | 321-453-6565 |
| Megan Dickson | Allstate | 1885 Highway 520, Cocoa, 32926 | (321) 338-4800 |
| Brevard Coastal Insurance | None | 125 E Causeway Suite 101 , Merritt Island, 32952 | (321) 877-3561 |
| Brevard Insurance & Marketing | Travelers | 3201 N Atlantic Ave , Cocoa Beach, 32931 | None |
| Blue Sky Insurance Agency Of Brevard Inc | Travelers | 25 STONE ST, COCOA, 32922 | 321-636-8878 |
| Everyday Asset Protection, Inc. Dba Every Day Insurance | None | 210 Mcleod St , Merritt Island, 32953 | None |
Cocoa, 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 | +$92 | $2,172 |
| Driver's Failure In Showing Documents | +$202 | $2,282 |
| Driving With An Expired Registration | +$214 | $2,294 |
| Driving At A Considerably Slow Pace | +$451 | $2,531 |
| Using A Cellphone While Driving | +$476 | $2,556 |
| Running A Red Light | +$485 | $2,565 |
| Speeding | +$510 | $2,590 |
| Driving A Vehicle Without The Required Permission | +$647 | $2,727 |
| Driving With An Expired/Suspended License | +$1,402 | $3,482 |
Cocoa, 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 | $1,997 |
| Active Disabling Device | $1,997 |
| Tracking Device | $1,955 |
| Passive Disabling Device | $1,934 |
Latest Auto Insurance Reviews in Cocoa, FL | Back to Top
Farmer's InsuranceI like the low premium compared to other companies, even though with the fees it's still higher than the $11 estimate I got when I signed up. That's about it.