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.
Top 5 Car Insurance Companies by Market Share in Vero Beach, FL
The average cost of auto insurance in Vero Beach, FL, is $1,369. This is much lower than the average cost of auto insurance in neighboring places such as Wabasso, Wabasso Beach, Orchid, Winter Beach, and Vero Beach South. The cost depends on numerous factors, including the driver’s age and the make and model of the car. Car owners in Vero Beach can save more by comparing multiple auto insurance quotes from different insurers. Below is a list of the top five auto insurance companies in Vero Beach, FL.
GEICO:
GEICO leads the way in Florida, with a market share of 25.23%. It has 5,160,726 direct premiums written, and 5,081,055 direct premiums earned. GEICO continues to bring innovations into the field of insurance, the latest being its virtual assistant, KATE. GEICO has an A.M. Best rating of A++ and a J.D. Power rating of 827/1000 in Florida.
PROGRESSIVE:
Progressive is second on this list, with an A.M. Best Rating of A+ and a J.D. Power rating of 809/1000. It has a massive 3,749,329 direct premiums written, and 3,582,160 direct premiums earned. This earns Progressive a market share of 18.30% in Florida.
STATE FARM:
State Farm has a market share of 14.70%, with a J.D. Power rating of 834/1000, in Florida. The company also has an A.M. Best rating of A++. State Farm has 3,014,788 direct premiums written, and 3,047,953 direct premiums earned in Florida. State Farm makes it easy to shop for insurance with an immensely customer-friendly online portal.
ALLSTATE:
Allstate has 1,897,567 direct premiums written and 1,880,647 direct premiums earned. The company has a market share of 9.28% in Florida. Allstate also has an A.M. Best rating of A+ and a J.D. Power rating of 847/1000.
USAA:
USAA completes this list with a market share of 7.07%. It has 1,445,356 direct premiums written, and 1,431,650 direct premiums earned. This has earned USAA an A.M. Best rating of A++ and a J.D. Power Rating of 898/1000. This is the highest rating in Florida.
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 Rates
- Vero Beach, FL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Vero Beach, FL
- Multi Vehicle Insurance Savings in Vero Beach, FL
- How Credit Score Affects Car Insurance Rates in Vero Beach, FL
- How DUI Affects Auto Insurance Premiums in Vero Beach, FL
- Top Auto Insurance Agents Near Vero Beach, FL
- How Driving Violations Affect Auto Insurance Rates in Vero Beach, FL
- Vero Beach, FL Auto Insurance Discounts on Anti Theft Feature
- Vero Beach, FL Auto Insurance Company Reviews
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
UsaaBecause they are easy to handle, easy to contact with. Their costumer service is easy to understand and they will always work with you.
UsaaSame as for my house, my auto insurance is also USAA. I am loyal to them because they are easy to handle.
ProgressiveBetter coverage was offered for a smaller deductible and premium. I am very happy with Progressive because their app is easier to use also.
EsuranceI 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.
UsaaI'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 InsuranceIt should be the same as other companies, because they are the same insurance companies
GeicoThe 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
EsuranceThey 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.
GeicoMy car insurance is part of my banking so i can always see/pay for my policy in the same place.
21st Century Auto InsuranceI 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.
ProgressiveIt's about the same as elsewhere, I have full coverage
UsaaOnce 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.
UsaaI 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.