Cheapest Car Insurance Quotes in Brandon

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406,175 Policies Sold

Brandon Car Insurance

^$ 76

/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 Brandon

The car insurance rate in Brandon is $2064 for a six-month policy, which is $439 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1229, making it a popular choice for budget-conscious drivers. Rates in Brandon 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 Brandon

$2064

Avg. Car Insurance in Florida

$1625

National Average

$1278

Cheapest Car Insurance Companies in Brandon

1st place: Travelers

At $1229 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 $1373 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1501 for six months, making it the third cheapest auto insurance company in Brandon.

Brandon Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Brandon, FL is Travelers, offering policies at just $1229 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1373.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $3033 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Brandon drivers find the best deals.

Cheap Car Insurance Companies in Brandon, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1229	$207
State Farm	$1373	$231
Nationwide	$1501	$253
Progressive	$1591	$268
United Automobile Ins Group	$1735	$290
UAIC	$1901	$324
Allstate	$3100	$517
Mercury	$3274	$556
MetLife	$1909	$325
Farmers	$3033	$505

Key Takeaways

Way's key takeaways about car insurance in Brandon

The auto insurance costs in Brandon fall around $1229 for six months.
The cheapest auto insurance company in Brandon is Travelers.
Teen drivers pay the highest rate in Brandon at $1754 per month.

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Cheapest Minimum Liability Car Insurance in Brandon

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 Brandon are given below.

Travelers provides the cheapest minimum car insurance coverage in Brandon. Their Average 6 Month Premium is $452. Farmers is the most expensive at $837 for the same period.

Cheapest Liability Coverage in Brandon, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$452	$76
State Farm	$490	$83
Mercury	$544	$91
Nationwide	$603	$103
MetLife	$634	$105
AIG	$709	$121
Progressive	$890	$150
United Automobile Ins Group	$913	$155
UAIC	$988	$165
Allstate	$1132	$191
Patrons Insurance	$159	$27
Farmers	$837	$140

Cheapest Full Coverage Car Insurance in Brandon

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 Brandon is Travelers at $207 per month and $1229 for six months.

Cheapest Full Coverage Car Insurance Quotes in Brandon, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1229	$207
State Farm	$1373	$231
Nationwide	$1501	$253
Progressive	$1591	$268
United Automobile Ins Group	$1735	$290
UAIC	$1901	$324
Allstate	$3100	$517
Mercury	$3274	$556
MetLife	$1909	$325
Farmers	$3033	$505

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Average Car Insurance in Brandon 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 Brandon, FL increasing?

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

Car Insurance Premiums by Age in Brandon

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 Brandon,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Brandon at $114 per month. At $10312 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$687	$114
AIG	$928	$157
Travelers	$2022	$340
State Farm	$2430	$409
UAIC	$3236	$545
United Automobile Ins Group	$4277	$728
Allstate	$5281	$889
Progressive	$6797	$1144
Mercury	$8042	$1354
Farmers	$10312	$1754

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 Brandon, Nationwide is the cheapest car insurance provider. At $822 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 Brandon is Farmers, offering rates of around $4195 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$822	$140
Mercury	$898	$150
Direct General Insurance	$936	$159
UAIC	$1819	$304
Travelers	$1991	$335
Progressive	$3500	$583
Allstate	$6140	$1044
State Farm	$6284	$1048
Farmers	$4195	$714

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Car Insurance Rates with An Accident in Brandon

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

Cheapest Car Insurance Companies after an At-Fault Accident in Brandon

The cheapest car insurance companies after an at-fault accident in Brandon include Nationwide and AIG, offering $867 and $1109, respectively. Farmers is an expensive provider with an average six-month premium of $4232.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$867	$145
AIG	$1109	$188
State Farm	$1290	$217
Travelers	$1313	$221
United Automobile Ins Group	$2256	$376
Mercury	$2330	$392
UAIC	$2361	$394
Progressive	$3092	$521
Allstate	$5507	$927
Farmers	$4232	$705

Brandon Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Brandon FL. For example, the car insurance in Brandon after a DUI increases to $1192 for a six month policy. While the rate increases by $362 for a six-month policy in the case of a speeding ticket.

Brandon auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2316	$386
One Med/PIP claim	$2316	$394
Not-at-fault accident	$2504	$418
Two Med/PIP claims	$2573	$437
One comp claim	$2610	$436
Child safety restraint	$2617	$445
Failure to wear a seat belt	$2617	$437
Driving without lights	$2625	$446
Failure to show documents	$2625	$438
Speeding 6 - 10 MPH over limit	$2678	$456
Improper passing	$2686	$447
Passing school bus	$2686	$457
Wrong way/wrong lane	$2686	$447
Failure to stop at a red light	$2694	$458
Failure to yield	$2694	$448
Illegal turn	$2694	$458
Cell phone violation	$2701	$450
Driving with expired registration	$2701	$460
Following too closely	$2701	$450
Texting while driving	$2708	$461
Two comp claims	$2769	$461
Driving too slowly	$2784	$474
Speeding in school zone	$2784	$464
Speeding 11 - 15 MPH over limit	$2791	$475
In 65 MPH zone	$2889	$481
Speeding 16 - 20 MPH over limit	$2889	$491
Speeding 21 - 25 MPH over limit	$2904	$484
Open container	$2935	$499
Operating a vehicle without permission	$2935	$489
At-fault accident - less than $1000	$3184	$541
At-fault accident - $1000-$2000	$3236	$540
At-fault accident - greater than $2000	$3236	$550
Racing	$3500	$583
DUI	$3508	$597
Refusal to submit to a chemical test	$3508	$584
Driving with a suspended license	$3569	$607
Reckless driving	$3644	$607
Leaving scene of an accident/hit and run	$3682	$626

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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 Brandon 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 Brandon.

The cheapest car insurance premiums in Brandon are offered by AIG at $815 for a six-month policy. However, it can be as expensive as $3448 with companies like Farmers.

Brandon car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$815	$138
Travelers	$1335	$225
Progressive	$1532	$258
State Farm	$1840	$310
Allstate	$2489	$419
UAIC	$3199	$533
Farmers	$3448	$574

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 Brandon are offered by Nationwide at $709. However, it can be as expensive as $3682 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Brandon after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$709	$118
State Farm	$898	$151
Travelers	$1019	$171
Allstate	$2671	$450
UAIC	$2920	$486
Progressive	$3576	$608
Farmers	$3682	$626

Car Insurance Price Trends in Brandon, Florida

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

The average cost of full coverage in the Brandon dipped by $325 in January compared to $351 of December. In other words, there has been an decrease by $26 when you compare January and December.

The average cost of liability insurance in the Brandon dipped to $105 in January, compared to $107 in December. This represents an decrease of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Brandon?

The car insurance in Brandon is $76 per month, which is lower than the national average.

What is the cheapest car insurance in Brandon?

The cheapest car insurance in Brandon is $207 per month for full coverage.

How much is car insurance in Brandon for teenagers?

Car insurance for teenagers costs $687 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 Brandon?

The average cost of car insurance is $1625 for a six-month policy. It will cost around $347 per month to insure your car in Brandon.

Is car insurance expensive in Brandon?

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

Cheapest Car Insurance Quotes in Brandon

Why you can trust Way?

How Much Is Car Insurance in Brandon

Avg. Car Insurance in Brandon

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Brandon

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Brandon Car Insurance Rates by Company

Cheap Car Insurance Companies in Brandon, FL

Way's key takeaways about car insurance in Brandon

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Brandon

Cheapest Liability Coverage in Brandon, FL

Cheapest Full Coverage Car Insurance in Brandon

Cheapest Full Coverage Car Insurance Quotes in Brandon, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Brandon by Rating Factor

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

Car Insurance Premiums by Age in Brandon

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Brandon,FL

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

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 Brandon

Cheapest Car Insurance Companies after an At-Fault Accident in Brandon

Brandon Car Insurance Rates by Violation

Brandon auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Brandon after a DUI

Brandon car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Brandon after Speeding ticket

Car Insurance Price Trends in Brandon, Florida

Average Car Insurance Cost in Brandon by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Brandon, FL

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

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