Sebastian, FL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Sebastian, 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.
Factors Influencing Cost of Car Insurance in Sebastian, FL
The average cost of car insurance in Sebastian, FL, is $2,142. This cost is lower than nearby locations like Winter Beach and Wabasso Beach but much higher than other nearby locations like Wabasso, Micco, and Windsor. The average cost of car insurance varies depending on various factors like location, make, and model of the car, age of the driver, deductibles, and credit scores. Car owners in Sebastian, FL, can save more on the cost of car insurance by considering these factors and comparing various policies offered by different insurance companies. Below is a list by Zimlon of factors that influence the cost of car insurance in Sebastian, FL, the most.
Location and Neighborhood:
The neighborhood one lives in Sebastian, FL is one of the important factors influencing the cost of car insurance. Zimlon offers the service of finding accurate insurance quotes using one’s accurate zip code. The make and model of the vehicle and the rate of auto thefts in the neighborhood also increase or reduce the insurance costs within the city.
Deductibles:
This is one of the most common factors influencing the cost of car insurance in Sebastian, FL. A low deductible ($500) usually increases auto insurance value, whereas a high deductible ($1,000) lowers it. These deductibles can vary depending upon the make and model of the vehicle. For example, in Sebastian, FL, the average cost of auto insurance on a deductible of $500 is $1,725. This cost will decrease to $1,457 when the deductible is $1,000.
Age of the Driver:
Zimlon’s analysis found that teenagers usually pay much higher costs of car insurance in Sebastian, FL. This is mainly because insurance companies consider teenagers to be less responsible drivers than middle-aged or older drivers. Below is the list of the cost of car insurance in Sebastian, FL based on the different age groups.
Driving Violations:
Driving Violations is another crucial factor that influences the cost of car insurance in Sebastian, FL. Violations such as driving with an expired license or speeding can have a severe influence on auto insurance costs because it increases the amount of risk being covered by insurers. Car owners in Sebastian, FL can reduce the cost of car insurance by avoiding driving violations.
Zimlon analysis found that drivers in Sebastian, FL pays an increased cost of +$94 for driving without headlights. Failing to show documents or driving with an expired registration can further increase the cost of car insurance to $208 and $221 respectively. More severe violations like driving with an expired or suspended license in Sebastian, FL can increase the cost of car insurance to $1,444.
Credit Score:
Having an “excellent” or “good” credit score will also help in making car insurance less expensive in Sebastian, FL. Several auto insurance companies provide discounts to car owners that have a higher positive credit score. In Sebastian, FL, if a driver’s credit score is exceptional, the cost of auto insurance can be as low as $1,838. On the other hand, the average cost of car insurance can get as high as $2,912 and $3,494 if the credit score of a car diver in Sebastian, FL is average or poor.
Factors that can influence the cost of car insurance in Sebastian, 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.
- Sebastian, FL Auto Insurance Rates
- Sebastian, FL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Sebastian, FL
- Multi Vehicle Insurance Savings in Sebastian, FL
- How Credit Score Affects Car Insurance Rates in Sebastian, FL
- How DUI Affects Auto Insurance Premiums in Sebastian, FL
- Top Auto Insurance Agents Near Sebastian, FL
- How Driving Violations Affect Auto Insurance Rates in Sebastian, FL
- Sebastian, FL Auto Insurance Discounts on Anti Theft Feature
- Sebastian, FL Auto Insurance Company Reviews
Sebastian, FL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Sebastian, FL with that of other cities in and around Sebastian.
| Sebastian | Wabasso | Micco | Winter Beach | Windsor | Wabasso Beach | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $2,142 | $1,880 | $2,047 | $2,296 | $1,687 | $2,478 |
Sebastian, 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 Sebastian, 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) |
|---|---|---|
| Sebastian | $1,725 | $1,457 |
| Roseland | $1,283 | $1,084 |
| Orchid | $2,559 | $2,161 |
| Windsor | $1,738 | $1,468 |
| Wabasso | $1,936 | $1,636 |
| Micco | $1,907 | $1,610 |
| Wabasso Beach | $1,379 | $1,165 |
| Winter Beach | $1,451 | $1,226 |
Sebastian, FL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Sebastian, 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 | $6,950 |
| 20 Years | $2,752 |
| 30 Years | $2,120 |
| 40 Years | $2,040 |
| 50 Years | $1,889 |
| 60 Years | $1,915 |
| 70 Years | $2,229 |
Sebastian, FL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Sebastian, 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 | $3,727 | $557 |
| 3 Vehicles | $5,591 | $835 |
| 4 Vehicles | $7,454 | $1,114 |
Savings on 2 Vehicles bundle:$557
Savings on 3 Vehicles bundle:$835
Savings on 4 Vehicles bundle:$1,114
Sebastian, 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 Sebastian, FL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Sebastian | $2,142 | $3,352 |
| Roseland | $2,146 | $3,359 |
| Orchid | $2,006 | $3,139 |
| Windsor | $1,687 | $2,640 |
| Wabasso | $1,880 | $2,942 |
| Micco | $2,047 | $3,204 |
| Wabasso Beach | $2,478 | $3,878 |
| Winter Beach | $2,296 | $3,593 |
Sebastian, 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) | $1,838 |
| Excellent (740-799) | $2,098 |
| Good (670-739) | $2,232 |
| Average (580-669) | $2,912 |
| Poor (300-579) | $3,494 |
Sebastian, 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 |
|---|---|---|---|
| Professional Insurance Advisors Llc | Travelers | 1875 43RD AVE, VERO BEACH, 32960 | 772-567-7774 |
| Wayne W Eden Agency Inc | Travelers | 3240 DIXIE HWY NE, PALM BAY, 32905 | 321-723-4263 |
| Buyers Advantage | Allstate | 705 Sebastian Blvd Ste F, Sebastian, 32958 | (772) 589-7476 |
| Usi Ins Svcs-Verobch | Allstate | 2045 14th St, Vero Beach, 32960 | (772) 562-3369 |
| Usi Ins Svcs-Verobch | Allstate | 2045 14th St, Vero Beach, 32960 | (772) 562-3369 |
| Triple L Insurance Agency | None | 4285 Sw Martin Highway , Palm City, 34990 | None |
| Iii-Kim Ellis Insurance Services Inc | Travelers | 990 US HWY 1 STE A, SEBASTIAN, 32958 | 772-589-1800 |
| Ebp Insurance Inc | Travelers | 955 S FEDERAL HWY STE 101, STUART, 34994 | 772-283-2933 |
| Ebp Insurance Inc | Travelers | 955 S FEDERAL HWY STE 101, STUART, 34994 | 772-283-2933 |
Sebastian, 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 | +$94 | $2,236 |
| Driver's Failure In Showing Documents | +$208 | $2,350 |
| Driving With An Expired Registration | +$221 | $2,363 |
| Driving At A Considerably Slow Pace | +$465 | $2,607 |
| Using A Cellphone While Driving | +$491 | $2,633 |
| Running A Red Light | +$499 | $2,641 |
| Speeding | +$525 | $2,667 |
| Driving A Vehicle Without The Required Permission | +$666 | $2,808 |
| Driving With An Expired/Suspended License | +$1,444 | $3,586 |
Sebastian, 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 | $2,056 |
| Active Disabling Device | $2,056 |
| Tracking Device | $2,013 |
| Passive Disabling Device | $1,992 |
Latest Auto Insurance Reviews in Sebastian, FL | Back to Top
TravelersI haven't had any claims yet, so I can't speak to that, but I've been happy with the low premiums and the ease of using the website to make my payments annually.
GeicoI like everything about it. THey have good service, an app, I can pay online, with no issues ever.