Sebring Auto Insurance Rates, Quotes, Agents & Reviews in FL

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.

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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 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

Geico
Geico 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.
Aaa
We 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 Farm
State 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 Bureau
The 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 !!!
Progressive
I 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 Insurance
I 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
Allstate
I 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.