Vero Beach Auto Insurance Rates, Quotes, Agents & Reviews in FL

Vero Beach, FL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Vero Beach, 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 Vero Beach, 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.


Vero Beach, FL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

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

Vero Beach Winter Beach Vero Beach South Wabasso Wabasso Beach Orchid
Average Insurance Rates $1,369 $2,296 $2,144 $1,880 $2,478 $2,006

Vero Beach, 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 Vero Beach, 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)
Vero Beach $1,641 $1,386
Winter Beach $1,451 $1,226
Indian River Shores $1,377 $1,163
Gifford $1,516 $1,281
Wabasso $1,936 $1,636
Wabasso Beach $1,379 $1,165
Orchid $2,559 $2,161
Vero Beach South $2,877 $2,430

Vero Beach, FL Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Vero Beach, 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 $4,442
20 Years $1,759
30 Years $1,355
40 Years $1,304
50 Years $1,207
60 Years $1,224
70 Years $1,425

Vero Beach, FL Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Vero Beach, 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 $2,382 $356
3 Vehicles $3,573 $534
4 Vehicles $4,764 $712

Savings on 2 Vehicles bundle:$356

Savings on 3 Vehicles bundle:$534

Savings on 4 Vehicles bundle:$712


Vero Beach, 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 Vero Beach, FL.

Location Average Insurance Cost Post DUI Insurance Rate
Vero Beach $1,369 $2,143
Winter Beach $2,296 $3,593
Indian River Shores $2,806 $4,392
Gifford $2,204 $3,449
Wabasso $1,880 $2,942
Wabasso Beach $2,478 $3,878
Orchid $2,006 $3,139
Vero Beach South $2,144 $3,355

Vero Beach, 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) $1,175
Excellent (740-799) $1,341
Good (670-739) $1,427
Average (580-669) $1,861
Poor (300-579) $2,233

Vero Beach, 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
The Delgado Group Travelers 128 43RD AVE, VERO BEACH, 32968 772-778-5555
The Delgado Group Travelers 128 43RD AVE, VERO BEACH, 32968 772-778-5555
The Delgado Group Travelers 128 43RD AVE, VERO BEACH, 32968 772-778-5555
Brian Getty Allstate 734 S US Highway 1, Vero Beach, 32962 (772) 569-2600
Tim Modesitt State Farm 1940 58th Ave, Suite A, Vero Beach, 32966 772-794-7777
Tim Modesitt State Farm 1940 58th Ave, Suite A, Vero Beach, 32966 772-794-7777
Tim Modesitt State Farm 1940 58th Ave, Suite A, Vero Beach, 32966 772-794-7777
Bill Nesper Insurance Services Inc Travelers 829 8Th St , Vero Beach, 32962 None
Bill Nesper Insurance Services Inc Travelers 829 8Th St , Vero Beach, 32962 None
Kim Ellis Insurance Services Inc Allstate 990 Us Highway 1, Sebastian, 32958 (772) 589-1800
R V Johnson Agency Liberty Mutual Independent 2041 SE OCEAN BLVD, STUART, 34996 (772) 287-3366

Vero Beach, 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 +$60 $1,429
Driver's Failure In Showing Documents +$133 $1,502
Driving With An Expired Registration +$141 $1,510
Driving At A Considerably Slow Pace +$297 $1,666
Using A Cellphone While Driving +$314 $1,683
Running A Red Light +$319 $1,688
Speeding +$335 $1,704
Driving A Vehicle Without The Required Permission +$426 $1,795
Driving With An Expired/Suspended License +$923 $2,292

Vero Beach, 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 $1,314
Active Disabling Device $1,314
Tracking Device $1,287
Passive Disabling Device $1,273

Latest Auto Insurance Reviews in Vero Beach, FL | Back to Top

Usaa
Because they are easy to handle, easy to contact with. Their costumer service is easy to understand and they will always work with you.
Usaa
Same as for my house, my auto insurance is also USAA. I am loyal to them because they are easy to handle.
Progressive
Better coverage was offered for a smaller deductible and premium. I am very happy with Progressive because their app is easier to use also.
Esurance
I also have a broker that helped me look at all my options and I believe my company had the price range and coverage that I could afford and needed to keep my car and myself safe.
Usaa
I've used USAA since 2005 and have never encountered a reason to prompt me to compare insurance products from different providers. Multiple discounts greatly affect my pricing.
Farmer's Insurance
It should be the same as other companies, because they are the same insurance companies
Geico
The customer support is always good. If I need to call for some reason I always get the help that I need. They are always very helpful and I can get questions answered when I need them answered
Esurance
They are an online company with no brick and mortar locations. Sometime it might be convenient to drop off a document at a location if you don't have access to a fax machine.
Geico
My car insurance is part of my banking so i can always see/pay for my policy in the same place.
21st Century Auto Insurance
I have been with this company for decades. I know I could shop around, but I really like having an insurance agent that I can just pick up the phone and talk to. That's why when we needed life insurance, we went to the same company.
Progressive
It's about the same as elsewhere, I have full coverage
Usaa
Once again, I don't like the fact that there are no brick and mortar locations because many of us also bank with this company and have to do everything online which means we may not deposit cash into our accounts, only checks.
Usaa
I love that USAA takes care of my banking and my insurance at the same time. It is very convenient for me to only have one website/company to deal with so many things at one time.