Lake Mary Auto Insurance Rates, Quotes, Agents & Reviews in FL

Lake Mary, FL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Lake Mary, 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.

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Auto Insurance Discounts Available in Lake Mary, FL

The average cost of auto insurance in Lake Mary, FL, is $2,294. According to Zimlon’s research, residents of Lake Mary, FL, can get various discounts on their car insurance by considering factors from the neighborhood one lives in to the make and model of the car. Zimlon provides car owners with the option of keying in their zip code to get accurate auto insurance quotes from multiple auto insurance companies. A thorough comparison of these quotes will help car owners in improving their savings.

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Discount Based on the Age of the Driver: 

Zimlon analysis found that teenagers in Lake Mary, FL ends up paying much higher car insurance costs compared to the rest of the state as they are generally considered to be less responsible drivers. In comparison, middle-aged drivers pay comparatively lower car insurance premiums if they are considered to be safer drivers by insurance companies.

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Discounts for Multi-Car Insurance:
Most of the auto insurers offer discounts on multi-car insurance policies. Car owners in Lake Mary, FL, can get various discounts if they insure multiple vehicles with the same insurance agency. For additional benefits, residents in Lake Mary, FL, can combine their life, auto, and home insurance with the same insurance company. 

Zimlon research shows that the average insurance cost for three cars in Lake Mary, FL is $5,987, and for four cars, it is $7,983. Car owners in Lake Mary, FL, can also opt to insure two cars under a single insurance company and save $596. 

Anti-Theft Feature Discount: 

Cars that are equipped with safety devices are less prone to thefts; therefore, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts may vary depending on the type and number of safety devices installed. Below is a list by Zimlon showing different insurance costs provided for different anti-theft features by auto insurance companies:

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Credit Score Discount:
Having an “excellent” or “good” credit score will also help car owners in Lake Mary, FL, get a discount on auto insurance. Several auto insurance companies provide discounts to the car owner that have a higher positive credit score. Most of the auto insurance companies use the Credit Score of car drivers to determine suitable car insurance discount rates. 

Factors that can influence the cost of car insurance in Lake Mary, 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.


Lake Mary, FL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Lake Mary, FL with that of other cities in and around Lake Mary.

Lake Mary Casselberry-Altamonte Springs Sanford Wekiwa Springs Heathrow Longwood
Average Insurance Rates $2,294 $2,163 $1,307 $2,264 $2,435 $2,150

Lake Mary, 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 Lake Mary, 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)
Lake Mary $1,509 $1,275
Sanford $1,138 $961
Heathrow $1,577 $1,332
Longwood $1,477 $1,248
Casselberry-Altamonte Springs $1,392 $1,175
Winter Springs $1,066 $900
Casselberry $1,487 $1,256
Wekiwa Springs $1,875 $1,583

Lake Mary, FL Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Lake Mary, 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 $7,444
20 Years $2,948
30 Years $2,270
40 Years $2,184
50 Years $2,023
60 Years $2,051
70 Years $2,387

Lake Mary, FL Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Lake Mary, 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 $3,992 $596
3 Vehicles $5,987 $895
4 Vehicles $7,983 $1,193

Savings on 2 Vehicles bundle:$596

Savings on 3 Vehicles bundle:$895

Savings on 4 Vehicles bundle:$1,193


Lake Mary, 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 Lake Mary, FL.

Location Average Insurance Cost Post DUI Insurance Rate
Lake Mary $2,294 $3,590
Sanford $1,307 $2,046
Heathrow $2,435 $3,811
Longwood $2,150 $3,365
Casselberry-Altamonte Springs $2,163 $3,385
Winter Springs $1,316 $2,060
Casselberry $2,085 $3,263
Wekiwa Springs $2,264 $3,543

Lake Mary, 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) $1,968
Excellent (740-799) $2,247
Good (670-739) $2,390
Average (580-669) $3,119
Poor (300-579) $3,742

Lake Mary, 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
Ceci Mcclure State Farm 431 E State Road 434, Longwood, 32750-5219 407-865-7777
Rob Cole Allstate 1327 Winter Springs Blvd, Winter Springs, 32708 (407) 977-4640
Ronald N Silverman Insurance Agency Inc Travelers 770 DELTONA BLVD STE B, DELTONA, 32725 386-860-0001
Huckleberry Sibley And Harvey Allstate 1020 N Orlando Ave Ste 200, Maitland, 32751 (407) 647-1616
Blackadar Insurance Agency Inc Liberty Mutual Independent 1436 N RONALD REAGAN BLVD, LONGWOOD, 32750 (407) 831-3832
Stahl & Assoc Ins Inc Liberty Mutual Independent 250 INTERNATIONAL PKWY STE 128, LAKE MARY, 32746 (407) 833-8998
Halcyon Underwriters Inc Liberty Mutual Independent 2301 Lucien Way Ste 360, MAITLAND, 32751 (407) 660-1881
Deliverance Tax & Insurance Services, Inc. None 2435 S French Sandford, Sanford, 32771 None
Florida Sun Insurance Inc Travelers 1459 N US HGWY 1 STE A1, ORMOND BEACH, 32174 386-677-8387

Lake Mary, 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 +$101 $2,395
Driver's Failure In Showing Documents +$223 $2,517
Driving With An Expired Registration +$236 $2,530
Driving At A Considerably Slow Pace +$498 $2,792
Using A Cellphone While Driving +$525 $2,819
Running A Red Light +$535 $2,829
Speeding +$562 $2,856
Driving A Vehicle Without The Required Permission +$713 $3,007
Driving With An Expired/Suspended License +$1,546 $3,840

Lake Mary, 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 $2,202
Active Disabling Device $2,202
Tracking Device $2,156
Passive Disabling Device $2,133