Does Living by the Ocean Cost Me More in Auto Insurance?






Something that many drivers who live by the ocean do not realize is that a lot (one might even dare to say most) car insurance providers will charge higher premium rates to these drivers. The reason being is that those who live by or on the beach are more likely to have their cars damaged, either via flood waters or falling trees and other debris, during a hurricane, tropical storm, or just plain bad weather. While this might not seem fair, the car insurance company is just trying to protect itself from entering into a high risk venture and losing money. Fortunately, however, there are many things that you can do to lower your insurance rates without sacrificing your beachfront or beach adjacent property.

First and foremost, note that the above paragraph says “a lot” of car insurance providers charge higher rates to those who live on or near the beach. This means that there are a few providers out there who will not charge you extra just because of where you choose to live and park your car. It is worth the time and effort to try and locate car insurance providers in your area who do not assess an extra fee for living on or near the beach. The best way to find out is simply to be upfront and to ask a provider. Also, keep in mind that smaller, more local providers—unlike corporate giants such as GEICO and Allstate—are more likely to not bill you for where you live in an effort to attract more customers. If you go with one of these smaller providers, just make sure their customer service and coverage options are up to your standards and that you won’t be sacrificing quality for a lower price tag.

If you can’t find a reliable provider that isn’t willing to offer you a rate that doesn’t take your living conditions into consideration, then it’s time to consider other options. You can save yourself money, even with providers who charge an extra fee based on where you live, by qualifying for discounts. Some discounts are directly related to you living on the beach. If, for example, you can prove that you park your car in a high rise parking deck, garage, or lot, reasonably safe from potential water damage, you may be able to get the extra fee waived or get a hefty discount. Ask your provider about others things you can do to better protect your vehicle from natural disasters more likely to occur near the ocean.

Other, unrelated discounts can also help you to reduce your premium costs. Discounts that many people qualify for, often without even knowing it, include good driver discounts, for those drivers who have not had any accidents or ticketable offenses within a set time period put in place by the insurance company; safety feature discounts, for drivers with approved safety features installed on their vehicles; and many more. Talk to your provider for more information on discounts offered.


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