Deerfield Beach, FL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Deerfield Beach, 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.
What Makes Car Insurance Expensive in Deerfield Beach, FL?
The average cost of auto insurance in Deerfield Beach, FL, is $1,948. This is lower than the cost of auto insurance in neighboring places such as Hillsboro Pines, Hillsboro Beach, Watergate, Coconut Creek, and Pompano Beach.
Credit Score:
Possessing a healthy credit score is essential in lowering the cost of auto insurance in Deerfield Beach. The cost of auto insurance can be high if the credit score of the car owner is “average” or “poor”. For instance, the cost of auto insurance when the credit score is exceptional, in Deerfield Beach, is $1,671, while it can be as high as $2,648 and $3,177 when the credit score is average or poor.
Deductibles:
The rate of deductibles is one of the most common factors affecting the cost of auto insurance in Deerfield Beach, FL. Opting for a higher deductible helps in reducing the cost of auto insurance, while a lower deductible increases it. For instance, in Deerfield Beach, the average cost of auto insurance when the deductible is $500 is $1,205. This reduces to $1,018 when the rate of the deductible is $1,000.
Demographics:
The age and gender of the driver are major factors that affect the cost of auto insurance. Younger drivers end up spending more on auto insurance because of their lack of experience behind the wheel. Consequently, an increase in driving experience can reduce the cost of auto insurance. As the above infographic indicates, the cost of auto insurance for teenagers in Deerfield Beach is a massive $6,321. In contrast, it is as low as $1,718 and $1,742 for drivers in the age groups of 50 and 60.
Driving Record:
A poor driving record can lead to a massive increase in auto insurance costs for car owners in Deerfield Beach, FL. Moreover, post-DUI, the cost of auto insurance rises to $3,049. Other major driving violations can also cause a massive increase in rates. Driving with an expired license or running a red light can severely increase as well as have a long-term impact on one’s premium. The former leads to an increase of $1,313, while the latter leads to an increase of $454. Being a safe driver has its benefits since the amount of risk undertaken by the insurer is low for drivers with fewer violations.
Factors that can influence the cost of car insurance in Deerfield Beach, 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.
- Deerfield Beach, FL Auto Insurance Rates
- Deerfield Beach, FL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Deerfield Beach, FL
- Multi Vehicle Insurance Savings in Deerfield Beach, FL
- How Credit Score Affects Car Insurance Rates in Deerfield Beach, FL
- How DUI Affects Auto Insurance Premiums in Deerfield Beach, FL
- How Driving Violations Affect Auto Insurance Rates in Deerfield Beach, FL
- Deerfield Beach, FL Auto Insurance Discounts on Anti Theft Feature
- Deerfield Beach, FL Auto Insurance Company Reviews
Deerfield Beach, FL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Deerfield Beach, FL with that of other cities in and around Deerfield Beach.
Deerfield Beach | Hillsboro Pines | Coconut Creek | Hillsboro Beach | Watergate | Pompano Beach | |
---|---|---|---|---|---|---|
Average Insurance Rates | $1,948 | $2,410 | $1,960 | $2,408 | $2,033 | $1,985 |
Deerfield Beach, 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 Deerfield Beach, 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) |
---|---|---|
Deerfield Beach | $1,205 | $1,018 |
Coconut Creek | $1,259 | $1,063 |
Hillsboro Pines | $1,469 | $1,241 |
Lighthouse Point | $2,059 | $1,739 |
Watergate | $1,410 | $1,191 |
Hillsboro Beach | $1,357 | $1,146 |
Pompano Beach | $1,472 | $1,243 |
Margate | $2,873 | $2,426 |
Deerfield Beach, FL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Deerfield Beach, 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 | $6,321 |
20 Years | $2,503 |
30 Years | $1,928 |
40 Years | $1,855 |
50 Years | $1,718 |
60 Years | $1,742 |
70 Years | $2,027 |
Deerfield Beach, FL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Deerfield Beach, 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 | $3,351 | $545 |
3 Vehicles | $5,026 | $818 |
4 Vehicles | $6,701 | $1,091 |

Savings on 2 Vehicles bundle:$545

Savings on 3 Vehicles bundle:$818

Savings on 4 Vehicles bundle:$1,091
Deerfield Beach, 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 Deerfield Beach, FL.
Location | Average Insurance Cost | Post DUI Insurance Rate |
---|---|---|
Deerfield Beach | $1,948 | $3,049 |
Coconut Creek | $1,960 | $3,067 |
Hillsboro Pines | $2,410 | $3,772 |
Lighthouse Point | $2,501 | $3,914 |
Watergate | $2,033 | $3,182 |
Hillsboro Beach | $2,408 | $3,769 |
Pompano Beach | $1,985 | $3,107 |
Margate | $1,960 | $3,067 |
Deerfield Beach, 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) | $1,671 |
Excellent (740-799) | $1,908 |
Good (670-739) | $2,030 |
Average (580-669) | $2,648 |
Poor (300-579) | $3,177 |
Deerfield Beach, 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 | +$86 | $2,034 |
Driver's Failure In Showing Documents | +$189 | $2,137 |
Driving With An Expired Registration | +$201 | $2,149 |
Driving At A Considerably Slow Pace | +$423 | $2,371 |
Using A Cellphone While Driving | +$446 | $2,394 |
Running A Red Light | +$454 | $2,402 |
Speeding | +$477 | $2,425 |
Driving A Vehicle Without The Required Permission | +$606 | $2,554 |
Driving With An Expired/Suspended License | +$1,313 | $3,261 |
Deerfield Beach, 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 | $1,870 |
Active Disabling Device | $1,870 |
Tracking Device | $1,831 |
Passive Disabling Device | $1,812 |
Latest Auto Insurance Reviews in Deerfield Beach, FL | Back to Top

Geicos customer service has been very helpful in my purchasing decisions and with claims. The have helped me with respect and courtesy that I would expect from a professional organization.

I've used GEICO's customer service both online and over the phone and I think they are wonderful. They have amazing accuracy and efficiency when it comes to customer service.

The customer service department at USAA is excellent and is extremely attentive. I can contact their customer service team twenty four hours a day, and their response time is quick and informative.

I would totally recommend this car insurance company to my friends and family. I have no doubt they would be satisfied with the premiums, deductible, and customer service.

My auto insurance company is the same as my home insurance and they are wonderful to work with

My car insurance policy is very competitive compared to others. It isn't the cheapest but it has everything I want. I am satisfied with what it offers and has in the policy.

My car insurance customer service is phenomenal and have very reasonable rates. When I was in a car accident, I would call their claim number and their agent helped keep me calm until the police came to the crash site. They followed up on my case the next date and they processed my claim quickly

My car insurance customer service is phenomenal and have very reasonable rates. When I was in a car accident, I would call their claim number and their agent helped keep me calm until the police came to the crash site. They followed up on my case the next date and they processed my claim quickly

Other rater seemed to be about $500-750 higher per year for the exact same coverage of our car and home.

Other rater seemed to be about $500-750 higher per year for the exact same coverage of our car and home.

Geico has outstanding customer service. Whenever I have called looking for a lower rate I have usually been pointed in a direction to either get discounts or re-evaluate my policy and lower my premium.

The premium I pay is relatively high compared to other companies, however, I was recommended to have a higher amount of bodily injury in case anything happens because of increased medical costs these days.

I like how friendly and accomidating my company has been. They are professional and quick. They seem to really take an interest in serving their customers.

The premiums are high and also in detail compared to other insurances companies.

I like the ability to call my inisurance company agent and talk with him about any issue that we have. It has been good to sit down with him and talk about any concerns that we have.

they cover pretty much everything compared to others

Compared to other insurance providers, I am able to have a lower deductible and higher coverage for a lower price.