Lighthouse Point Auto Insurance Rates, Quotes, Agents & Reviews in FL

Lighthouse Point, FL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Lighthouse Point, 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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Factors that can influence the cost of car insurance in Lighthouse Point, 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.


Lighthouse Point, FL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

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

Lighthouse Point Pompano Beach Deerfield Beach Boca Raton Coconut Creek Hillsboro Beach
Average Insurance Rates $2,501 $1,985 $1,948 $1,916 $1,960 $2,408

Lighthouse Point, 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 Lighthouse Point, 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)
Lighthouse Point $2,059 $1,739
Hillsboro Beach $1,357 $1,146
Pompano Beach $1,472 $1,243
Deerfield Beach $1,205 $1,018
Sea Ranch Lakes $2,161 $1,825
Lauderdale-by-the-Sea $1,507 $1,273
Coconut Creek $1,259 $1,063
Boca Raton $1,931 $1,631

Lighthouse Point, FL Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Lighthouse Point, 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 $8,115
20 Years $3,213
30 Years $2,475
40 Years $2,381
50 Years $2,205
60 Years $2,236
70 Years $2,603

Lighthouse Point, FL Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Lighthouse Point, 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 $4,302 $700
3 Vehicles $6,453 $1,050
4 Vehicles $8,603 $1,401

Savings on 2 Vehicles bundle:$700

Savings on 3 Vehicles bundle:$1,050

Savings on 4 Vehicles bundle:$1,401


Lighthouse Point, 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 Lighthouse Point, FL.

Location Average Insurance Cost Post DUI Insurance Rate
Lighthouse Point $2,501 $3,914
Hillsboro Beach $2,408 $3,769
Pompano Beach $1,985 $3,107
Deerfield Beach $1,948 $3,049
Sea Ranch Lakes $1,962 $3,071
Lauderdale-by-the-Sea $2,508 $3,925
Coconut Creek $1,960 $3,067
Boca Raton $1,916 $2,999

Lighthouse Point, 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) $2,146
Excellent (740-799) $2,449
Good (670-739) $2,606
Average (580-669) $3,400
Poor (300-579) $4,079

Lighthouse Point, 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 +$110 $2,611
Driver's Failure In Showing Documents +$243 $2,744
Driving With An Expired Registration +$258 $2,759
Driving At A Considerably Slow Pace +$543 $3,044
Using A Cellphone While Driving +$573 $3,074
Running A Red Light +$583 $3,084
Speeding +$613 $3,114
Driving A Vehicle Without The Required Permission +$778 $3,279
Driving With An Expired/Suspended License +$1,686 $4,187

Lighthouse Point, 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 $2,401
Active Disabling Device $2,401
Tracking Device $2,351
Passive Disabling Device $2,326