Brandon, FL Car Insurance
The average monthly cost for car insurance in Brandon is about $156. Read our guide below to learn more about your specific rates.
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Table of contents
Compared to their surrounding area, how do rates in Brandon stack up? What about against the rest of Florida? What rates should residents of Brandon expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:
How much is car insurance in Brandon?
Area | Average Monthly Car Insurance Premium |
|---|---|
| Brandon | $156 |
| FL | $123 |
| United States | $80 |
Car insurance policies across the rest of Florida are about $33 a month cheaper than the rates drivers pay in Brandon.
Drivers relocating the Brandon should take note of the differences in average rates. Coverage in Brandon is about $76 more expensive than it is for the rest of the U.S.
While these are the average car insurance rates for Brandon, keep in mind that you could end up paying a different amount. The amount that insurance companies end up charging you is determined by a number of factors. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't sweat it however, we've broken down the average rate for Brandon residents based on several different factors so that you can get a more accurate idea of what you might pay. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
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Brandon Car Insurance Rates by Age
Age Range | Average Premium |
|---|---|
| Under 18 | Not Enough Data |
| 18-24 | $199 |
| 25-34 | $153 |
| 35-44 | $136 |
| 45-54 | Not Enough Data |
| 55-64 | $125 |
| 65+ | $128 |
The more time you have behind the wheel, the more experienced of a driver you should be. That experience can lead to some serious savings when it comes to auto insurance bills. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.
For every 10 years, you can expect to see a drop in your monthly premium. As you get closer to retirement age, however, you may see your rates creep back up a bit in Brandon.
Brandon Car Insurance Rates by Gender
Gender | Average |
|---|---|
| Male | $152 |
| Female | $160 |
Although women typically pay less than men do for auto insurance, this is not the case in Brandon, where female drivers pay around $8 more per month.
Brandon Auto Insurance Rates by Driving Record
Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $219 |
| Multiple Accidents | $207 |
| 1 Ticket | $134 |
| Multiple Tickets | $308 |
Your rates can vary wildly depending on your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Brandon, drivers with one accident on their record will experience rates around $219 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $134.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Brandon Insurance Rates by Vehicle
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $194 |
| 2-3 Years | $128 |
| 4-5 Years | $158 |
| 6-7 Years | $186 |
| 8-10 Years | $137 |
| 11-14 Years | $154 |
| 15 Years or Older | $154 |
In Brandon, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $132 per month for auto insurance coverage.
SUV drivers will see rates of about $168 for car insurance coverage, while car owners by and large pay around $155 a month.
You may also see different rates based on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. In Brandon, vehicles less than one year old are the most expensive to insure.
Brandon Car Insurance Rates by Relationship Status
Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $162 |
| Married | $139 |
| Divorced | $127 |
| Widowed | $129 |
Generally, those who are currently married will pay slightly less for auto insurance. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Brandon is no exception, with the difference totaling to around $23 a month.
Brandon Car Insurance Rates by Housing Situation
Housing Status | Average Monthly Premium |
|---|---|
| Own | $143 |
| Rent | $162 |
| Live with parents | $139 |
Another factor taken into consideration is your living accommodations. Renters can expect to pay around $19 a month more than homeowners in Brandon. But those who live at home with their parents can expect to pay significantly more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average premiums.
Recent trends in car insurance for Brandon drivers
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The cost of auto insurance coverage in Brandon had been decreasing from 2017-2018, before steadying out in 2019. Insurance rates finished down in 2022, at $130 per month
How does Brandon compare to neighboring areas?
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Why are car insurance rates in Brandon different from other areas?
Car insurance companies take in many factors when figuring out how much individual insurance policies will cost. While we already talked about the ones that affect your personal policy, others are based around where you park your car. These include things like:
Rate of car accidents
Local laws
Total amount of drivers in the area
Regional crime rates
Availability of off-street parking
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Brandon?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Luckily, Compare.com can handle all of this for you. Just punch in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from a number of the car insurance companies offering coverage in Brandon.
Brandon Auto Insurance FAQs
Why is the cost of car insurance in Brandon different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, crime rates, and local laws when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Brandon?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Brandon?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Brandon or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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