Cheapest Car Insurance Quotes in Bay Lake

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Bay Lake Car Insurance

^$ 60

/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 Lake

The car insurance rate in Bay Lake is $1625 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $968, making it a popular choice for budget-conscious drivers. Rates in Bay Lake 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 Lake

$1625

Avg. Car Insurance in Florida

$1625

National Average

$1278

Cheapest Car Insurance Companies in Bay Lake

1st place: Travelers

At $968 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 $1081 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1182 for six months, making it the third cheapest auto insurance company in Bay Lake.

Bay Lake Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bay Lake, FL is Travelers, offering policies at just $968 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1081.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2388 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bay Lake drivers find the best deals.

Cheap Car Insurance Companies in Bay Lake, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$968	$163
State Farm	$1081	$182
Nationwide	$1182	$199
Progressive	$1253	$211
United Automobile Ins Group	$1366	$228
UAIC	$1497	$255
Allstate	$2441	$407
Mercury	$2578	$438
MetLife	$1503	$256
Farmers	$2388	$398

Key Takeaways

Way's key takeaways about car insurance in Bay Lake

The auto insurance costs in Bay Lake fall around $968 for six months.
The cheapest auto insurance company in Bay Lake is Travelers.
Teen drivers pay the highest rate in Bay Lake at $1381 per month.

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Cheapest Minimum Liability Car Insurance in Bay Lake

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 Lake are given below.

Travelers provides the cheapest minimum car insurance coverage in Bay Lake. Their Average 6 Month Premium is $356. Farmers is the most expensive at $659 for the same period.

Cheapest Liability Coverage in Bay Lake, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$356	$60
State Farm	$386	$65
Mercury	$428	$72
Nationwide	$475	$81
MetLife	$499	$83
AIG	$558	$95
Progressive	$701	$118
United Automobile Ins Group	$719	$122
UAIC	$778	$130
Allstate	$891	$150
Patrons Insurance	$125	$21
Farmers	$659	$110

Cheapest Full Coverage Car Insurance in Bay Lake

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 Lake is Travelers at $163 per month and $968 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bay Lake, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$968	$163
State Farm	$1081	$182
Nationwide	$1182	$199
Progressive	$1253	$211
United Automobile Ins Group	$1366	$228
UAIC	$1497	$255
Allstate	$2441	$407
Mercury	$2578	$438
MetLife	$1503	$256
Farmers	$2388	$398

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Average Car Insurance in Bay Lake 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 Lake, FL increasing?

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

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 Lake,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Bay Lake at $90 per month. At $8120 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$541	$90
AIG	$731	$124
Travelers	$1592	$268
State Farm	$1913	$322
UAIC	$2548	$429
United Automobile Ins Group	$3368	$573
Allstate	$4158	$700
Progressive	$5352	$901
Mercury	$6332	$1066
Farmers	$8120	$1381

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 Lake, Nationwide is the cheapest car insurance provider. At $647 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 Lake is Farmers, offering rates of around $3303 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$647	$110
Mercury	$707	$118
Direct General Insurance	$737	$125
UAIC	$1432	$239
Travelers	$1568	$264
Progressive	$2756	$459
Allstate	$4835	$822
State Farm	$4948	$825
Farmers	$3303	$562

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Car Insurance Rates with An Accident in Bay Lake

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

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

The cheapest car insurance companies after an at-fault accident in Bay Lake include Nationwide and AIG, offering $683 and $873, respectively. Farmers is an expensive provider with an average six-month premium of $3332.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$683	$114
AIG	$873	$148
State Farm	$1016	$171
Travelers	$1034	$174
United Automobile Ins Group	$1776	$296
Mercury	$1835	$309
UAIC	$1859	$310
Progressive	$2435	$410
Allstate	$4336	$730
Farmers	$3332	$555

Bay Lake Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bay Lake FL. For example, the car insurance in Bay Lake after a DUI increases to $938 for a six month policy. While the rate increases by $285 for a six-month policy in the case of a speeding ticket.

Bay Lake auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1824	$304
One Med/PIP claim	$1824	$310
Not-at-fault accident	$1972	$329
Two Med/PIP claims	$2026	$344
One comp claim	$2055	$343
Child safety restraint	$2061	$350
Failure to wear a seat belt	$2061	$344
Driving without lights	$2067	$351
Failure to show documents	$2067	$345
Speeding 6 - 10 MPH over limit	$2109	$359
Improper passing	$2115	$352
Passing school bus	$2115	$360
Wrong way/wrong lane	$2115	$352
Failure to stop at a red light	$2121	$361
Failure to yield	$2121	$353
Illegal turn	$2121	$361
Cell phone violation	$2127	$354
Driving with expired registration	$2127	$362
Following too closely	$2127	$354
Texting while driving	$2132	$363
Two comp claims	$2180	$363
Driving too slowly	$2192	$373
Speeding in school zone	$2192	$365
Speeding 11 - 15 MPH over limit	$2198	$374
In 65 MPH zone	$2275	$379
Speeding 16 - 20 MPH over limit	$2275	$387
Speeding 21 - 25 MPH over limit	$2287	$381
Open container	$2311	$393
Operating a vehicle without permission	$2311	$385
At-fault accident - less than $1000	$2507	$426
At-fault accident - $1000-$2000	$2548	$425
At-fault accident - greater than $2000	$2548	$433
Racing	$2756	$459
DUI	$2762	$470
Refusal to submit to a chemical test	$2762	$460
Driving with a suspended license	$2810	$478
Reckless driving	$2869	$478
Leaving scene of an accident/hit and run	$2899	$493

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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 Lake 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 Lake.

The cheapest car insurance premiums in Bay Lake are offered by AIG at $642 for a six-month policy. However, it can be as expensive as $2715 with companies like Farmers.

Bay Lake car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$642	$109
Travelers	$1051	$177
Progressive	$1206	$203
State Farm	$1449	$244
Allstate	$1960	$330
UAIC	$2519	$420
Farmers	$2715	$452

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 Lake are offered by Nationwide at $558. However, it can be as expensive as $2899 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Bay Lake after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$558	$93
State Farm	$707	$119
Travelers	$802	$135
Allstate	$2103	$354
UAIC	$2299	$383
Progressive	$2816	$479
Farmers	$2899	$493

Car Insurance Price Trends in Bay Lake, Florida

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

The average cost of full coverage in the Bay Lake dipped by $256 in January compared to $276 of December. In other words, there has been an decrease by $20 when you compare January and December.

The average cost of liability insurance in the Bay Lake dipped to $83 in January, compared to $84 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 Lake?

The car insurance in Bay Lake is $60 per month, which is lower than the national average.

What is the cheapest car insurance in Bay Lake?

The cheapest car insurance in Bay Lake is $163 per month for full coverage.

How much is car insurance in Bay Lake for teenagers?

Car insurance for teenagers costs $541 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 Lake?

The average cost of car insurance is $1625 for a six-month policy. It will cost around $273 per month to insure your car in Bay Lake.

Is car insurance expensive in Bay Lake?

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

Cheapest Car Insurance Quotes in Bay Lake

Why you can trust Way?

How Much Is Car Insurance in Bay Lake

Avg. Car Insurance in Bay Lake

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Bay Lake

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Bay Lake Car Insurance Rates by Company

Cheap Car Insurance Companies in Bay Lake, FL

Way's key takeaways about car insurance in Bay Lake

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Bay Lake

Cheapest Liability Coverage in Bay Lake, FL

Cheapest Full Coverage Car Insurance in Bay Lake

Cheapest Full Coverage Car Insurance Quotes in Bay Lake, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Bay Lake by Rating Factor

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

Car Insurance Premiums by Age in Bay Lake

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Lake

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

Bay Lake Car Insurance Rates by Violation

Bay Lake auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Bay Lake after a DUI

Bay Lake car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Bay Lake after Speeding ticket

Car Insurance Price Trends in Bay Lake, Florida

Average Car Insurance Cost in Bay Lake by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Bay Lake, FL

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

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