Cheapest Car Insurance Quotes in Bear Creek

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Bear Creek Car Insurance

^$ 24

/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 Bear Creek

The car insurance rate in Bear Creek is $1825 for a six-month policy, which is $224 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1165, making it a popular choice for budget-conscious drivers. Rates in Bear Creek 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 Bear Creek

$1825

Avg. Car Insurance in Florida

$1601

National Average

$1140

Cheapest Car Insurance Companies in Bear Creek

1st place: Travelers

At $1165 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 $1239 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1442 for six months, making it the third cheapest auto insurance company in Bear Creek.

Bear Creek Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bear Creek, FL is Travelers, offering policies at just $1165 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1239.

At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $1090 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bear Creek drivers find the best deals.

Cheap Car Insurance Companies in Bear Creek, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1165	$196
State Farm	$1239	$209
Nationwide	$1442	$243
United Automobile Ins Group	$1557	$260
Progressive	$1626	$274
UAIC	$1626	$271
MetLife	$1713	$292
Farmers	$2722	$454
Mercury	$2939	$499
Allstate	$2959	$498
Metropolitan Group	$1090	$181

Key Takeaways

Way's key takeaways about car insurance in Bear Creek

The auto insurance costs in Bear Creek fall around $1165 for six months.
The cheapest auto insurance company in Bear Creek is Patrons Insurance.
Teen drivers pay the highest rate in Bear Creek at $1574 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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

Cheapest Minimum Liability Car Insurance in Bear Creek

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 Bear Creek are given below.

Patrons Insurance provides the cheapest minimum car insurance coverage in Bear Creek. Their Average 6 Month Premium is $143. Metropolitan Group is the most expensive at $433 for the same period.

Cheapest Liability Coverage in Bear Creek, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$143	$24
Travelers	$433	$73
State Farm	$461	$78
Mercury	$488	$82
Nationwide	$542	$92
Farmers	$751	$125
AIG	$765	$130
Progressive	$799	$135
United Automobile Ins Group	$820	$139
UAIC	$887	$148
Allstate	$1023	$172
Metropolitan Group	$433	$72

Cheapest Full Coverage Car Insurance in Bear Creek

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 Bear Creek is Travelers at $196 per month and $1165 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bear Creek, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1165	$196
State Farm	$1239	$209
Nationwide	$1442	$243
United Automobile Ins Group	$1557	$260
Progressive	$1626	$274
UAIC	$1626	$271
MetLife	$1713	$292
Farmers	$2722	$454
Mercury	$2939	$499
Allstate	$2959	$498
Metropolitan Group	$1090	$181

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Average Car Insurance in Bear Creek 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 Bear Creek, FL increasing?

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

Car Insurance Premiums by Age in Bear Creek

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	$1479
40s	Travelers	$1116
50s	Travelers	$1041
60s	Travelers	$1026

Cheapest Car Insurance Rates for Teen Drivers in Bear Creek,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Bear Creek at $103 per month. At $9257 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$617	$103
AIG	$833	$141
Travelers	$1889	$318
State Farm	$2485	$418
UAIC	$3697	$617
United Automobile Ins Group	$3840	$653
Allstate	$5823	$980
Mercury	$7218	$1215
Progressive	$7713	$1298
Farmers	$9257	$1574

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 Bear Creek.

As young drivers face the highest rates in Bear Creek, Travelers offers the cheapest auto insurance rates at $1479 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 Bear Creek, Nationwide is the cheapest car insurance provider. At $738 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 Bear Creek is Allstate, offering rates of around $5919 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$738	$125
Mercury	$806	$135
Direct General Insurance	$840	$143
Travelers	$1598	$269
UAIC	$1626	$276
Progressive	$3142	$523
Farmers	$3765	$641
State Farm	$5641	$940
Allstate	$5919	$1007

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Car Insurance Rates with An Accident in Bear Creek

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

Cheapest Car Insurance Companies after an At-Fault Accident in Bear Creek

The cheapest car insurance companies after an at-fault accident in Bear Creek include Nationwide and AIG, offering $779 and $995, respectively. National General is an expensive provider with an average six-month premium of $1205.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$779	$130
AIG	$995	$169
Travelers	$1124	$189
State Farm	$1158	$195
United Automobile Ins Group	$2025	$337
Mercury	$2092	$352
UAIC	$2119	$353
Progressive	$2776	$467
Farmers	$3798	$633
Allstate	$5139	$865
National General	$1205	$205

Bear Creek Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bear Creek FL. For example, the car insurance in Bear Creek after a DUI increases to $1070 for a six month policy. While the rate increases by $325 for a six-month policy in the case of a speeding ticket.

Bear Creek auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2079	$347
One Med/PIP claim	$2079	$353
Not-at-fault accident	$2248	$375
Two Med/PIP claims	$2310	$392
One comp claim	$2343	$391
Child safety restraint	$2350	$399
Failure to wear a seat belt	$2350	$392
Driving without lights	$2356	$400
Failure to show documents	$2356	$393
Speeding 6 - 10 MPH over limit	$2404	$409
Improper passing	$2411	$401
Passing school bus	$2411	$410
Wrong way/wrong lane	$2411	$401
Failure to stop at a red light	$2418	$412
Failure to yield	$2418	$402
Illegal turn	$2418	$412
Cell phone violation	$2425	$404
Driving with expired registration	$2425	$413
Following too closely	$2425	$404
Texting while driving	$2430	$414
Two comp claims	$2485	$414
Driving too slowly	$2499	$425
Speeding in school zone	$2499	$416
Speeding 11 - 15 MPH over limit	$2506	$426
In 65 MPH zone	$2594	$432
Speeding 16 - 20 MPH over limit	$2594	$441
Speeding 21 - 25 MPH over limit	$2607	$434
Open container	$2635	$448
Operating a vehicle without permission	$2635	$439
At-fault accident - less than $1000	$2858	$486
At-fault accident - $1000-$2000	$2905	$484
At-fault accident - greater than $2000	$2905	$494
Racing	$3142	$523
DUI	$3149	$536
Refusal to submit to a chemical test	$3149	$524
Driving with a suspended license	$3203	$545
Reckless driving	$3271	$545
Leaving scene of an accident/hit and run	$3305	$562

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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 Bear Creek 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 Bear Creek.

The cheapest car insurance premiums in Bear Creek are offered by AIG at $732 for a six-month policy. However, it can be as expensive as $907 with companies like National General.

Bear Creek car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$732	$122
Travelers	$1165	$196
State Farm	$1415	$238
Progressive	$1428	$241
Allstate	$2600	$438
UAIC	$2865	$487
Farmers	$3095	$515
National General	$907	$152

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 Bear Creek are offered by Nationwide at $636. However, it can be as expensive as $3305 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Bear Creek after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$636	$108
State Farm	$820	$138
Travelers	$982	$165
UAIC	$1626	$271
Allstate	$1863	$314
Progressive	$2688	$448
Farmers	$3305	$562

Car Insurance Price Trends in Bear Creek, Florida

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

The average cost of full coverage in the Bear Creek remained steady at $315 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Bear Creek remained steady at $96 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 Bear Creek?

The car insurance in Bear Creek is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Bear Creek?

The cheapest car insurance in Bear Creek is $196 per month for full coverage.

How much is car insurance in Bear Creek for teenagers?

Car insurance for teenagers costs $617 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 Bear Creek?

The average cost of car insurance is $1601 for a six-month policy. It will cost around $307 per month to insure your car in Bear Creek.

Is car insurance expensive in Bear Creek?

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

Cheapest Car Insurance Quotes in Bear Creek

Why you can trust Way?

How Much Is Car Insurance in Bear Creek

Avg. Car Insurance in Bear Creek

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Bear Creek

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Bear Creek Car Insurance Rates by Company

Cheap Car Insurance Companies in Bear Creek, FL

Way's key takeaways about car insurance in Bear Creek

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Bear Creek

Cheapest Liability Coverage in Bear Creek, FL

Cheapest Full Coverage Car Insurance in Bear Creek

Cheapest Full Coverage Car Insurance Quotes in Bear Creek, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Bear Creek by Rating Factor

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

Car Insurance Premiums by Age in Bear Creek

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Bear Creek,FL

If you are in your twenties Travelers is the best choice for car insurance in Bear Creek.

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 Bear Creek

Cheapest Car Insurance Companies after an At-Fault Accident in Bear Creek

Bear Creek Car Insurance Rates by Violation

Bear Creek auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Bear Creek after a DUI

Bear Creek car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Bear Creek after Speeding ticket

Car Insurance Price Trends in Bear Creek, Florida

Average Car Insurance Cost in Bear Creek by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Bear Creek, FL

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

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