Cheapest Car Insurance Quotes in Beacon Square

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Beacon Square Car Insurance

^$ 87

/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 Beacon Square

The car insurance rate in Beacon Square is $2070 for a six-month policy, which is $359 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1308, making it a popular choice for budget-conscious drivers. Rates in Beacon Square 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 Beacon Square

$2070

Avg. Car Insurance in Florida

$1711

National Average

$1278

Cheapest Car Insurance Companies in Beacon Square

1st place: Travelers

At $1308 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 $1366 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1430 for six months, making it the third cheapest auto insurance company in Beacon Square.

Beacon Square Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Beacon Square, FL is Travelers, offering policies at just $1308 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1366.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2889 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Beacon Square drivers find the best deals.

Cheap Car Insurance Companies in Beacon Square, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1308	$220
State Farm	$1366	$230
Nationwide	$1430	$241
United Automobile Ins Group	$1653	$281
UAIC	$1826	$307
Progressive	$2156	$363
Mercury	$3119	$520
Allstate	$3141	$529
MetLife	$1819	$310
Farmers	$2889	$482

Key Takeaways

Way's key takeaways about car insurance in Beacon Square

The auto insurance costs in Beacon Square fall around $1308 for six months.
The cheapest auto insurance company in Beacon Square is Mercury.
Teen drivers pay the highest rate in Beacon Square at $1671 per month.

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

Cheapest Minimum Liability Car Insurance in Beacon Square

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 Beacon Square are given below.

Mercury provides the cheapest minimum car insurance coverage in Beacon Square. Their Average 6 Month Premium is $518. Farmers is the most expensive at $797 for the same period.

Cheapest Liability Coverage in Beacon Square, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$518	$87
Nationwide	$575	$98
MetLife	$604	$100
AIG	$675	$115
United Automobile Ins Group	$870	$145
Travelers	$1007	$169
State Farm	$1488	$250
Progressive	$2487	$419
Allstate	$2789	$469
UAIC	$3256	$554
Patrons Insurance	$151	$25
Farmers	$797	$133

Cheapest Full Coverage Car Insurance in Beacon Square

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 Beacon Square is Travelers at $220 per month and $1308 for six months.

Cheapest Full Coverage Car Insurance Quotes in Beacon Square, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1308	$220
State Farm	$1366	$230
Nationwide	$1430	$241
United Automobile Ins Group	$1653	$281
UAIC	$1826	$307
Progressive	$2156	$363
Mercury	$3119	$520
Allstate	$3141	$529
MetLife	$1819	$310
Farmers	$2889	$482

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Average Car Insurance in Beacon Square 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 Beacon Square, FL increasing?

Despite maintaining a clean driving record, your car insurance rates in Beacon Square, 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, Beacon Square's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Beacon Square

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 Beacon Square,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Beacon Square at $109 per month. At $9825 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$655	$109
AIG	$885	$150
Travelers	$2364	$398
State Farm	$2919	$491
United Automobile Ins Group	$4075	$679
UAIC	$4176	$710
Allstate	$6210	$1045
Mercury	$7662	$1290
Progressive	$11263	$1896
Farmers	$9825	$1671

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 Beacon Square, Nationwide is the cheapest car insurance provider. At $783 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 Beacon Square is Farmers, offering rates of around $3997 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$783	$133
Mercury	$855	$143
Direct General Insurance	$892	$151
UAIC	$1833	$305
Travelers	$2171	$365
Progressive	$5801	$967
Allstate	$6210	$1056
State Farm	$7777	$1296
Farmers	$3997	$680

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Save up to $971/yr on car insurance rates in Beacon Square.

Car Insurance Rates with An Accident in Beacon Square

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

Cheapest Car Insurance Companies after an At-Fault Accident in Beacon Square

The cheapest car insurance companies after an at-fault accident in Beacon Square include Nationwide and AIG, offering $826 and $1056, respectively. Farmers is an expensive provider with an average six-month premium of $4032.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$826	$138
AIG	$1056	$179
State Farm	$1337	$225
Travelers	$1359	$229
United Automobile Ins Group	$2149	$358
Mercury	$2220	$374
UAIC	$2401	$401
Progressive	$3960	$667
Allstate	$5491	$924
Farmers	$4032	$672

Beacon Square Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Beacon Square FL. For example, the car insurance in Beacon Square after a DUI increases to $1135 for a six month policy. While the rate increases by $345 for a six-month policy in the case of a speeding ticket.

Beacon Square auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2207	$368
One Med/PIP claim	$2207	$375
Not-at-fault accident	$2386	$398
Two Med/PIP claims	$2451	$416
One comp claim	$2487	$415
Child safety restraint	$2494	$424
Failure to wear a seat belt	$2494	$416
Driving without lights	$2501	$425
Failure to show documents	$2501	$417
Speeding 6 - 10 MPH over limit	$2552	$434
Improper passing	$2559	$426
Passing school bus	$2559	$436
Wrong way/wrong lane	$2559	$426
Failure to stop at a red light	$2566	$437
Failure to yield	$2566	$427
Illegal turn	$2566	$437
Cell phone violation	$2574	$428
Driving with expired registration	$2574	$438
Following too closely	$2574	$428
Texting while driving	$2580	$439
Two comp claims	$2638	$439
Driving too slowly	$2652	$451
Speeding in school zone	$2652	$442
Speeding 11 - 15 MPH over limit	$2660	$453
In 65 MPH zone	$2753	$459
Speeding 16 - 20 MPH over limit	$2753	$468
Speeding 21 - 25 MPH over limit	$2767	$461
Open container	$2796	$476
Operating a vehicle without permission	$2796	$466
At-fault accident - less than $1000	$3033	$515
At-fault accident - $1000-$2000	$3083	$514
At-fault accident - greater than $2000	$3083	$524
Racing	$3335	$555
DUI	$3342	$569
Refusal to submit to a chemical test	$3342	$557
Driving with a suspended license	$3400	$578
Reckless driving	$3471	$578
Leaving scene of an accident/hit and run	$3508	$597

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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 Beacon Square 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 Beacon Square.

The cheapest car insurance premiums in Beacon Square are offered by AIG at $777 for a six-month policy. However, it can be as expensive as $3285 with companies like Farmers.

Beacon Square car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$777	$132
Travelers	$1488	$250
State Farm	$1848	$311
Progressive	$2049	$345
Allstate	$2775	$467
UAIC	$3256	$542
Farmers	$3285	$547

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 Beacon Square are offered by Nationwide at $675. However, it can be as expensive as $3508 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Beacon Square after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$675	$113
State Farm	$1078	$182
Travelers	$1330	$224
UAIC	$1833	$312
Allstate	$1983	$334
Progressive	$4657	$791
Farmers	$3508	$597

Car Insurance Price Trends in Beacon Square, Florida

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

The average cost of full coverage in the Beacon Square rose by $342 in February compared to $310 of January. In other words, there has been an increase by $32 when you compare February and January.

The average cost of liability insurance in the Beacon Square rose to $232 in February, compared to $100 in January. This represents an increase of $132 when comparing February and January.

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Frequently Asked Questions

How much is car insurance in Beacon Square?

The car insurance in Beacon Square is $87 per month, which is lower than the national average.

What is the cheapest car insurance in Beacon Square?

The cheapest car insurance in Beacon Square is $220 per month for full coverage.

How much is car insurance in Beacon Square for teenagers?

Car insurance for teenagers costs $655 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 Beacon Square?

The average cost of car insurance is $1711 for a six-month policy. It will cost around $347 per month to insure your car in Beacon Square.

Is car insurance expensive in Beacon Square?

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

Cheapest Car Insurance Quotes in Beacon Square

Why you can trust Way?

How Much Is Car Insurance in Beacon Square

Avg. Car Insurance in Beacon Square

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Beacon Square

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Beacon Square Car Insurance Rates by Company

Cheap Car Insurance Companies in Beacon Square, FL

Way's key takeaways about car insurance in Beacon Square

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Beacon Square

Cheapest Liability Coverage in Beacon Square, FL

Cheapest Full Coverage Car Insurance in Beacon Square

Cheapest Full Coverage Car Insurance Quotes in Beacon Square, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Beacon Square by Rating Factor

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

Car Insurance Premiums by Age in Beacon Square

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Beacon Square,FL

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

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 Beacon Square

Cheapest Car Insurance Companies after an At-Fault Accident in Beacon Square

Beacon Square Car Insurance Rates by Violation

Beacon Square auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Beacon Square after a DUI

Beacon Square car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Beacon Square after Speeding ticket

Car Insurance Price Trends in Beacon Square, Florida

Average Car Insurance Cost in Beacon Square by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Beacon Square, FL

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

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