Cheapest Car Insurance Quotes in Bay Hill

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Bay Hill Car Insurance

^$ 61

/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 Hill

The car insurance rate in Bay Hill is $1658 for a six-month policy, which is $33 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $987, making it a popular choice for budget-conscious drivers. Rates in Bay Hill 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 Hill

$1658

Avg. Car Insurance in Florida

$1625

National Average

$1278

Cheapest Car Insurance Companies in Bay Hill

1st place: Travelers

At $987 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 $1103 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1206 for six months, making it the third cheapest auto insurance company in Bay Hill.

Bay Hill Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bay Hill, FL is Travelers, offering policies at just $987 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1103.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2436 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bay Hill drivers find the best deals.

Cheap Car Insurance Companies in Bay Hill, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$987	$166
State Farm	$1103	$186
Nationwide	$1206	$203
Progressive	$1278	$215
United Automobile Ins Group	$1393	$233
UAIC	$1527	$260
Allstate	$2490	$415
Mercury	$2630	$447
MetLife	$1533	$261
Farmers	$2436	$406

Key Takeaways

Way's key takeaways about car insurance in Bay Hill

The auto insurance costs in Bay Hill fall around $987 for six months.
The cheapest auto insurance company in Bay Hill is Travelers.
Teen drivers pay the highest rate in Bay Hill at $1409 per month.

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Cheapest Minimum Liability Car Insurance in Bay Hill

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 Hill are given below.

Travelers provides the cheapest minimum car insurance coverage in Bay Hill. Their Average 6 Month Premium is $363. Farmers is the most expensive at $672 for the same period.

Cheapest Liability Coverage in Bay Hill, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$363	$61
State Farm	$394	$66
Mercury	$437	$73
Nationwide	$485	$83
MetLife	$509	$85
AIG	$569	$97
Progressive	$715	$120
United Automobile Ins Group	$733	$124
UAIC	$794	$133
Allstate	$909	$153
Patrons Insurance	$128	$21
Farmers	$672	$112

Cheapest Full Coverage Car Insurance in Bay Hill

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 Hill is Travelers at $166 per month and $987 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bay Hill, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$987	$166
State Farm	$1103	$186
Nationwide	$1206	$203
Progressive	$1278	$215
United Automobile Ins Group	$1393	$233
UAIC	$1527	$260
Allstate	$2490	$415
Mercury	$2630	$447
MetLife	$1533	$261
Farmers	$2436	$406

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Average Car Insurance in Bay Hill 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 Hill, FL increasing?

Despite maintaining a clean driving record, your car insurance rates in Bay Hill, 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 Hill'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 Hill

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

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Cheapest Car Insurance Rates for Teen Drivers in Bay Hill,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Bay Hill at $92 per month. At $8282 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$552	$92
AIG	$746	$126
Travelers	$1624	$273
State Farm	$1951	$328
UAIC	$2599	$438
United Automobile Ins Group	$3435	$584
Allstate	$4241	$714
Progressive	$5459	$919
Mercury	$6459	$1087
Farmers	$8282	$1409

Teen Car Insurance Rates in FL by Age

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 Hill, Nationwide is the cheapest car insurance provider. At $660 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 Hill is Farmers, offering rates of around $3369 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$660	$112
Mercury	$721	$120
Direct General Insurance	$752	$128
UAIC	$1461	$244
Travelers	$1599	$269
Progressive	$2811	$468
Allstate	$4932	$838
State Farm	$5047	$842
Farmers	$3369	$573

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Bay Hill.

Car Insurance Rates with An Accident in Bay Hill

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 Hill, FL, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Bay Hill include Nationwide and AIG, offering $697 and $890, respectively. Farmers is an expensive provider with an average six-month premium of $3399.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$697	$116
AIG	$890	$151
State Farm	$1036	$174
Travelers	$1055	$177
United Automobile Ins Group	$1812	$302
Mercury	$1872	$315
UAIC	$1896	$316
Progressive	$2484	$418
Allstate	$4423	$745
Farmers	$3399	$566

Bay Hill Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bay Hill FL. For example, the car insurance in Bay Hill after a DUI increases to $957 for a six month policy. While the rate increases by $291 for a six-month policy in the case of a speeding ticket.

Bay Hill auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1860	$310
One Med/PIP claim	$1860	$316
Not-at-fault accident	$2011	$336
Two Med/PIP claims	$2067	$351
One comp claim	$2096	$350
Child safety restraint	$2102	$357
Failure to wear a seat belt	$2102	$351
Driving without lights	$2108	$358
Failure to show documents	$2108	$352
Speeding 6 - 10 MPH over limit	$2151	$366
Improper passing	$2157	$359
Passing school bus	$2157	$367
Wrong way/wrong lane	$2157	$359
Failure to stop at a red light	$2163	$368
Failure to yield	$2163	$360
Illegal turn	$2163	$368
Cell phone violation	$2170	$361
Driving with expired registration	$2170	$369
Following too closely	$2170	$361
Texting while driving	$2175	$370
Two comp claims	$2224	$370
Driving too slowly	$2236	$380
Speeding in school zone	$2236	$372
Speeding 11 - 15 MPH over limit	$2242	$381
In 65 MPH zone	$2321	$387
Speeding 16 - 20 MPH over limit	$2321	$395
Speeding 21 - 25 MPH over limit	$2333	$389
Open container	$2357	$401
Operating a vehicle without permission	$2357	$393
At-fault accident - less than $1000	$2557	$435
At-fault accident - $1000-$2000	$2599	$434
At-fault accident - greater than $2000	$2599	$442
Racing	$2811	$468
DUI	$2817	$479
Refusal to submit to a chemical test	$2817	$469
Driving with a suspended license	$2866	$488
Reckless driving	$2926	$488
Leaving scene of an accident/hit and run	$2957	$503

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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 Hill 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 Hill.

The cheapest car insurance premiums in Bay Hill are offered by AIG at $655 for a six-month policy. However, it can be as expensive as $2769 with companies like Farmers.

Bay Hill car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$655	$111
Travelers	$1072	$181
Progressive	$1230	$207
State Farm	$1478	$249
Allstate	$1999	$337
UAIC	$2569	$428
Farmers	$2769	$461

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 Hill are offered by Nationwide at $569. However, it can be as expensive as $2957 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Bay Hill after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$569	$95
State Farm	$721	$121
Travelers	$818	$138
Allstate	$2145	$361
UAIC	$2345	$391
Progressive	$2872	$489
Farmers	$2957	$503

Car Insurance Price Trends in Bay Hill, Florida

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

The average cost of full coverage in the Bay Hill dipped by $261 in January compared to $282 of December. In other words, there has been an decrease by $21 when you compare January and December.

The average cost of liability insurance in the Bay Hill dipped to $85 in January, compared to $86 in December. This represents an decrease of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Bay Hill?

The car insurance in Bay Hill is $61 per month, which is lower than the national average.

What is the cheapest car insurance in Bay Hill?

The cheapest car insurance in Bay Hill is $166 per month for full coverage.

How much is car insurance in Bay Hill for teenagers?

Car insurance for teenagers costs $552 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 Hill?

The average cost of car insurance is $1625 for a six-month policy. It will cost around $278 per month to insure your car in Bay Hill.

Is car insurance expensive in Bay Hill?

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

Cheapest Car Insurance Quotes in Bay Hill

Why you can trust Way?

How Much Is Car Insurance in Bay Hill

Avg. Car Insurance in Bay Hill

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Bay Hill

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Bay Hill Car Insurance Rates by Company

Cheap Car Insurance Companies in Bay Hill, FL

Way's key takeaways about car insurance in Bay Hill

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Bay Hill

Cheapest Liability Coverage in Bay Hill, FL

Cheapest Full Coverage Car Insurance in Bay Hill

Cheapest Full Coverage Car Insurance Quotes in Bay Hill, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Bay Hill by Rating Factor

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

Car Insurance Premiums by Age in Bay Hill

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Bay Hill,FL

If you are in your twenties N/A is the best choice for car insurance in Bay Hill.

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 Hill

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

Bay Hill Car Insurance Rates by Violation

Bay Hill auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Bay Hill after a DUI

Bay Hill car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Bay Hill after Speeding ticket

Car Insurance Price Trends in Bay Hill, Florida

Average Car Insurance Cost in Bay Hill by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Bay Hill, FL

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

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