Sebring, FL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Sebring, 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 that can influence the cost of car insurance in Sebring, 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.
- Sebring, FL Auto Insurance Rates
- Sebring, FL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Sebring, FL
- Multi Vehicle Insurance Savings in Sebring, FL
- How Credit Score Affects Car Insurance Rates in Sebring, FL
- How DUI Affects Auto Insurance Premiums in Sebring, FL
- Top Auto Insurance Agents Near Sebring, FL
- How Driving Violations Affect Auto Insurance Rates in Sebring, FL
- Sebring, FL Auto Insurance Discounts on Anti Theft Feature
- Sebring, FL Auto Insurance Company Reviews
Sebring, FL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Sebring, FL with that of other cities in and around Sebring.
| Sebring | Highlands County | Avon Park | Lake Placid | Frostproof | |
|---|---|---|---|---|---|
| Average Insurance Rates | $1,257 | $1,985 | $1,260 | $2,086 | $2,040 |
Sebring, 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 Sebring, 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) |
|---|---|---|
| Sebring | $1,435 | $1,212 |
| Highlands County | $1,439 | $1,215 |
| Avon Park | $1,545 | $1,305 |
| Lake Placid | $1,646 | $1,390 |
| Frostproof | $1,340 | $1,132 |
Sebring, FL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Sebring, 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 | $4,079 |
| 20 Years | $1,615 |
| 30 Years | $1,244 |
| 40 Years | $1,197 |
| 50 Years | $1,108 |
| 60 Years | $1,124 |
| 70 Years | $1,308 |
Sebring, FL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Sebring, 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 | $2,137 | $377 |
| 3 Vehicles | $3,205 | $566 |
| 4 Vehicles | $4,274 | $754 |
Savings on 2 Vehicles bundle:$377
Savings on 3 Vehicles bundle:$566
Savings on 4 Vehicles bundle:$754
Sebring, 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 Sebring, FL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Sebring | $1,257 | $1,967 |
| Highlands County | $1,985 | $3,107 |
| Avon Park | $1,260 | $1,972 |
| Lake Placid | $2,086 | $3,265 |
| Frostproof | $2,040 | $3,193 |
Sebring, 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) | $1,078 |
| Excellent (740-799) | $1,231 |
| Good (670-739) | $1,310 |
| Average (580-669) | $1,709 |
| Poor (300-579) | $2,050 |
Sebring, 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 |
|---|---|---|---|
| Lori Kennedy | State Farm | 223 Us Highway 27 N, Sebring, 33870-2132 | 863-385-2505 |
| First Insurance Of Lake Placid Inc | Travelers | 255 E INTERLAKE BLVD, LAKE PLACID, 33852 | 863-465-7000 |
| Loi Insurance | None | 2631 Us 27 South, Sebring, 33870 | (863) 658-3155 |
| Heacock Insurance Group | Liberty Mutual Independent | 1105 Us Hwy 27 North , Sebring, 33870 | (863) 658-3160 |
| Wells-Sebring | Allstate | 4101 Us Highway 27 N, Sebring, 33870 | (863) 382-3131 |
| Depot Insurance Inc | None | 437 Hickpoochee Ave - Hwy 80, Labelle, 33935 | None |
Sebring, 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 | +$55 | $1,312 |
| Driver's Failure In Showing Documents | +$122 | $1,379 |
| Driving With An Expired Registration | +$129 | $1,386 |
| Driving At A Considerably Slow Pace | +$273 | $1,530 |
| Using A Cellphone While Driving | +$288 | $1,545 |
| Running A Red Light | +$293 | $1,550 |
| Speeding | +$308 | $1,565 |
| Driving A Vehicle Without The Required Permission | +$391 | $1,648 |
| Driving With An Expired/Suspended License | +$847 | $2,104 |
Sebring, 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 | $1,207 |
| Active Disabling Device | $1,207 |
| Tracking Device | $1,182 |
| Passive Disabling Device | $1,169 |
Latest Auto Insurance Reviews in Sebring, FL | Back to Top
GeicoGeico offers all kinds of coverages for boat, car, truck, home, and motorcycle as far as I know so that is pretty extensive and I would say better than many competitors.
AaaWe have a $500 deductible for our insurance and we think that is reasonable. We probably would not turn in anything under that anyway. We do have one car on liability now.
State FarmState Farm's auto policies are adequate, especially for the typical car-owner. Because our family has a variety of sports and exotic cars, we are typically looking for more advanced or niche types of policies.
Farm BureauThe lowest around. We had an accident a few years ago and even though our insurance premium went up it was still the lowest throughout the city. I'm clearly not leaving !!!
ProgressiveI recommend Progressive for the ease of use and also for the responsive and helpful customer service reps. I also think they have competitive pricing.
Mapfre InsuranceI recommend this company a lot because it is safe, reliable, satisfies the needs of the client and also that it is very easy to pay. This company provides an excellent service
AllstateI wish I could have a lower premium. Insurance costs are so high and I feel like I am not getting as much as I should for the money I pay. I think you pay a company enough every year that they should give you the best coverage. Especially when you have no claims to increase costs.