Cheapest Car Insurance Quotes in Bay Harbor Islands

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Bay Harbor Islands Car Insurance

^$ 26

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Bay Harbor Islands

The car insurance rate in Bay Harbor Islands is $2017 for a six-month policy, which is $416 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1288, making it a popular choice for budget-conscious drivers. Rates in Bay Harbor Islands can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Bay Harbor Islands

$2017

Avg. Car Insurance in Florida

$1601

National Average

$1140

Cheapest Car Insurance Companies in Bay Harbor Islands

1st place: Travelers

At $1288 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: State Farm

State Farm offers auto insurance rates at $1370 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1594 for six months, making it the third cheapest auto insurance company in Bay Harbor Islands.

Bay Harbor Islands Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bay Harbor Islands, FL is Travelers, offering policies at just $1288 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1370.

At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $1205 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bay Harbor Islands drivers find the best deals.

Cheap Car Insurance Companies in Bay Harbor Islands, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1288	$217
State Farm	$1370	$231
Nationwide	$1594	$268
United Automobile Ins Group	$1721	$287
Progressive	$1797	$302
UAIC	$1797	$300
MetLife	$1894	$323
Farmers	$3009	$501
Mercury	$3248	$552
Allstate	$3271	$551
Metropolitan Group	$1205	$200

Key Takeaways

Way's key takeaways about car insurance in Bay Harbor Islands

The auto insurance costs in Bay Harbor Islands fall around $1288 for six months.
The cheapest auto insurance company in Bay Harbor Islands is Patrons Insurance.
Teen drivers pay the highest rate in Bay Harbor Islands at $1740 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Bay Harbor Islands

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Bay Harbor Islands are given below.

Patrons Insurance provides the cheapest minimum car insurance coverage in Bay Harbor Islands. Their Average 6 Month Premium is $158. Metropolitan Group is the most expensive at $479 for the same period.

Cheapest Liability Coverage in Bay Harbor Islands, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$158	$26
Travelers	$479	$81
State Farm	$509	$86
Mercury	$539	$91
Nationwide	$599	$102
Farmers	$830	$139
AIG	$845	$144
Progressive	$883	$149
United Automobile Ins Group	$906	$154
UAIC	$980	$164
Allstate	$1130	$190
Metropolitan Group	$479	$79

Cheapest Full Coverage Car Insurance in Bay Harbor Islands

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Bay Harbor Islands is Travelers at $217 per month and $1288 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bay Harbor Islands, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1288	$217
State Farm	$1370	$231
Nationwide	$1594	$268
United Automobile Ins Group	$1721	$287
Progressive	$1797	$302
UAIC	$1797	$300
MetLife	$1894	$323
Farmers	$3009	$501
Mercury	$3248	$552
Allstate	$3271	$551
Metropolitan Group	$1205	$200

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Average Car Insurance in Bay Harbor Islands by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Bay Harbor Islands, FL increasing?

Despite maintaining a clean driving record, your car insurance rates in Bay Harbor Islands, Florida, may be increasing due to several external factors. Florida has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Bay Harbor Islands's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Bay Harbor Islands

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Travelers	$1634
40s	Travelers	$1234
50s	Travelers	$1150
60s	Travelers	$1134

Cheapest Car Insurance Rates for Teen Drivers in Bay Harbor Islands,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Bay Harbor Islands at $113 per month. At $10231 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$682	$113
AIG	$921	$156
Travelers	$2088	$352
State Farm	$2747	$462
UAIC	$4086	$682
United Automobile Ins Group	$4244	$722
Allstate	$6436	$1084
Mercury	$7978	$1343
Progressive	$8525	$1435
Farmers	$10231	$1740

Teen Car Insurance Rates in FL by Age

Way Tip

If you are in your twenties Travelers is the best choice for car insurance in Bay Harbor Islands.

As young drivers face the highest rates in Bay Harbor Islands, Travelers offers the cheapest auto insurance rates at $1634 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Bay Harbor Islands, Nationwide is the cheapest car insurance provider. At $815 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Bay Harbor Islands is Allstate, offering rates of around $6542 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$815	$139
Mercury	$891	$149
Direct General Insurance	$929	$158
Travelers	$1767	$297
UAIC	$1797	$305
Progressive	$3473	$578
Farmers	$4162	$708
State Farm	$6234	$1040
Allstate	$6542	$1113

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Car Insurance Rates with An Accident in Bay Harbor Islands

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Bay Harbor Islands, FL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Bay Harbor Islands

The cheapest car insurance companies after an at-fault accident in Bay Harbor Islands include Nationwide and AIG, offering $861 and $1100, respectively. National General is an expensive provider with an average six-month premium of $1332.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$861	$144
AIG	$1100	$186
Travelers	$1242	$209
State Farm	$1280	$215
United Automobile Ins Group	$2238	$373
Mercury	$2312	$389
UAIC	$2342	$391
Progressive	$3068	$517
Farmers	$4198	$699
Allstate	$5680	$956
National General	$1332	$227

Bay Harbor Islands Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bay Harbor Islands FL. For example, the car insurance in Bay Harbor Islands after a DUI increases to $1182 for a six month policy. While the rate increases by $359 for a six-month policy in the case of a speeding ticket.

Bay Harbor Islands auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2298	$383
One Med/PIP claim	$2298	$391
Not-at-fault accident	$2485	$415
Two Med/PIP claims	$2553	$433
One comp claim	$2589	$432
Child safety restraint	$2597	$441
Failure to wear a seat belt	$2597	$433
Driving without lights	$2604	$442
Failure to show documents	$2604	$435
Speeding 6 - 10 MPH over limit	$2657	$452
Improper passing	$2665	$444
Passing school bus	$2665	$454
Wrong way/wrong lane	$2665	$444
Failure to stop at a red light	$2672	$455
Failure to yield	$2672	$445
Illegal turn	$2672	$455
Cell phone violation	$2680	$446
Driving with expired registration	$2680	$456
Following too closely	$2680	$446
Texting while driving	$2686	$457
Two comp claims	$2747	$457
Driving too slowly	$2762	$470
Speeding in school zone	$2762	$460
Speeding 11 - 15 MPH over limit	$2769	$471
In 65 MPH zone	$2867	$478
Speeding 16 - 20 MPH over limit	$2867	$488
Speeding 21 - 25 MPH over limit	$2882	$480
Open container	$2912	$495
Operating a vehicle without permission	$2912	$485
At-fault accident - less than $1000	$3159	$537
At-fault accident - $1000-$2000	$3210	$536
At-fault accident - greater than $2000	$3210	$546
Racing	$3473	$578
DUI	$3480	$592
Refusal to submit to a chemical test	$3480	$580
Driving with a suspended license	$3541	$602
Reckless driving	$3615	$602
Leaving scene of an accident/hit and run	$3653	$621

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Bay Harbor Islands after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Bay Harbor Islands.

The cheapest car insurance premiums in Bay Harbor Islands are offered by AIG at $809 for a six-month policy. However, it can be as expensive as $1003 with companies like National General.

Bay Harbor Islands car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$809	$135
Travelers	$1288	$217
State Farm	$1564	$263
Progressive	$1579	$266
Allstate	$2874	$484
UAIC	$3166	$538
Farmers	$3421	$570
National General	$1003	$168

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Bay Harbor Islands are offered by Nationwide at $703. However, it can be as expensive as $3653 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Bay Harbor Islands after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$703	$120
State Farm	$906	$152
Travelers	$1085	$183
UAIC	$1797	$300
Allstate	$2059	$347
Progressive	$2971	$495
Farmers	$3653	$621

Car Insurance Price Trends in Bay Harbor Islands, Florida

Car insurance rates in Bay Harbor Islands have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Bay Harbor Islands remained steady at $348 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Bay Harbor Islands remained steady at $106 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Bay Harbor Islands?

The car insurance in Bay Harbor Islands is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Bay Harbor Islands?

The cheapest car insurance in Bay Harbor Islands is $217 per month for full coverage.

How much is car insurance in Bay Harbor Islands for teenagers?

Car insurance for teenagers costs $682 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Bay Harbor Islands?

The average cost of car insurance is $1601 for a six-month policy. It will cost around $339 per month to insure your car in Bay Harbor Islands.

Is car insurance expensive in Bay Harbor Islands?

Car insurance can be expensive in Bay Harbor Islands if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Bay Harbor Islands can be affordable.

Cheapest Car Insurance Quotes in Bay Harbor Islands

Why you can trust Way?

How Much Is Car Insurance in Bay Harbor Islands

Avg. Car Insurance in Bay Harbor Islands

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Bay Harbor Islands

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Bay Harbor Islands Car Insurance Rates by Company

Cheap Car Insurance Companies in Bay Harbor Islands, FL

Way's key takeaways about car insurance in Bay Harbor Islands

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Bay Harbor Islands

Cheapest Liability Coverage in Bay Harbor Islands, FL

Cheapest Full Coverage Car Insurance in Bay Harbor Islands

Cheapest Full Coverage Car Insurance Quotes in Bay Harbor Islands, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Bay Harbor Islands by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Bay Harbor Islands, FL increasing?

Car Insurance Premiums by Age in Bay Harbor Islands

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Bay Harbor Islands,FL

If you are in your twenties Travelers is the best choice for car insurance in Bay Harbor Islands.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Bay Harbor Islands

Cheapest Car Insurance Companies after an At-Fault Accident in Bay Harbor Islands

Bay Harbor Islands Car Insurance Rates by Violation

Bay Harbor Islands auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Bay Harbor Islands after a DUI

Bay Harbor Islands car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Bay Harbor Islands after Speeding ticket

Car Insurance Price Trends in Bay Harbor Islands, Florida

Average Car Insurance Cost in Bay Harbor Islands by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Bay Harbor Islands, FL

Car Insurance Rates by State in the USA (2025 Update)

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