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.

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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

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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

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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

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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

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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

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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

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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

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Latest Auto Insurance Reviews in Deerfield Beach, FL | Back to Top