Cheapest Car Insurance Quotes in Carrollwood

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Carrollwood Car Insurance

^$ 28

/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 Carrollwood

The car insurance rate in Carrollwood is $2161 for a six-month policy, which is $560 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1380, making it a popular choice for budget-conscious drivers. Rates in Carrollwood 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 Carrollwood

$2161

Avg. Car Insurance in Florida

$1601

National Average

$1140

Cheapest Car Insurance Companies in Carrollwood

1st place: Travelers

At $1380 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 $1467 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1708 for six months, making it the third cheapest auto insurance company in Carrollwood.

Carrollwood Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Carrollwood, FL is Travelers, offering policies at just $1380 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1467.

At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $1291 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Carrollwood drivers find the best deals.

Cheap Car Insurance Companies in Carrollwood, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1380	$232
State Farm	$1467	$247
Nationwide	$1708	$288
United Automobile Ins Group	$1844	$308
Progressive	$1925	$324
UAIC	$1925	$321
MetLife	$2029	$346
Farmers	$3224	$537
Mercury	$3480	$591
Allstate	$3505	$590
Metropolitan Group	$1291	$215

Key Takeaways

Way's key takeaways about car insurance in Carrollwood

The auto insurance costs in Carrollwood fall around $1380 for six months.
The cheapest auto insurance company in Carrollwood is Patrons Insurance.
Teen drivers pay the highest rate in Carrollwood at $1864 per month.

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

Cheapest Minimum Liability Car Insurance in Carrollwood

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 Carrollwood are given below.

Patrons Insurance provides the cheapest minimum car insurance coverage in Carrollwood. Their Average 6 Month Premium is $169. Metropolitan Group is the most expensive at $513 for the same period.

Cheapest Liability Coverage in Carrollwood, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$169	$28
Travelers	$513	$86
State Farm	$545	$92
Mercury	$578	$97
Nationwide	$641	$109
Farmers	$890	$149
AIG	$906	$154
Progressive	$946	$159
United Automobile Ins Group	$971	$165
UAIC	$1050	$176
Allstate	$1211	$204
Metropolitan Group	$513	$85

Cheapest Full Coverage Car Insurance in Carrollwood

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 Carrollwood is Travelers at $232 per month and $1380 for six months.

Cheapest Full Coverage Car Insurance Quotes in Carrollwood, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1380	$232
State Farm	$1467	$247
Nationwide	$1708	$288
United Automobile Ins Group	$1844	$308
Progressive	$1925	$324
UAIC	$1925	$321
MetLife	$2029	$346
Farmers	$3224	$537
Mercury	$3480	$591
Allstate	$3505	$590
Metropolitan Group	$1291	$215

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Average Car Insurance in Carrollwood 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 Carrollwood, FL increasing?

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

Car Insurance Premiums by Age in Carrollwood

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	$1751
40s	Travelers	$1322
50s	Travelers	$1233
60s	Travelers	$1215

Cheapest Car Insurance Rates for Teen Drivers in Carrollwood,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Carrollwood at $122 per month. At $10962 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$730	$122
AIG	$987	$167
Travelers	$2237	$377
State Farm	$2943	$495
UAIC	$4378	$730
United Automobile Ins Group	$4547	$774
Allstate	$6896	$1161
Mercury	$8548	$1439
Progressive	$9134	$1538
Farmers	$10962	$1864

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 Carrollwood.

As young drivers face the highest rates in Carrollwood, Travelers offers the cheapest auto insurance rates at $1751 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 Carrollwood, Nationwide is the cheapest car insurance provider. At $873 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 Carrollwood is Allstate, offering rates of around $7009 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$873	$149
Mercury	$954	$159
Direct General Insurance	$995	$169
Travelers	$1893	$319
UAIC	$1925	$327
Progressive	$3721	$620
Farmers	$4459	$759
State Farm	$6680	$1114
Allstate	$7009	$1192

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Car Insurance Rates with An Accident in Carrollwood

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

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

The cheapest car insurance companies after an at-fault accident in Carrollwood include Nationwide and AIG, offering $922 and $1179, respectively. National General is an expensive provider with an average six-month premium of $1427.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$922	$154
AIG	$1179	$200
Travelers	$1331	$224
State Farm	$1372	$231
United Automobile Ins Group	$2398	$400
Mercury	$2477	$417
UAIC	$2510	$419
Progressive	$3287	$554
Farmers	$4498	$749
Allstate	$6086	$1025
National General	$1427	$243

Carrollwood Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Carrollwood FL. For example, the car insurance in Carrollwood after a DUI increases to $1267 for a six month policy. While the rate increases by $385 for a six-month policy in the case of a speeding ticket.

Carrollwood auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2462	$410
One Med/PIP claim	$2462	$419
Not-at-fault accident	$2662	$444
Two Med/PIP claims	$2735	$464
One comp claim	$2774	$463
Child safety restraint	$2782	$473
Failure to wear a seat belt	$2782	$464
Driving without lights	$2790	$474
Failure to show documents	$2790	$466
Speeding 6 - 10 MPH over limit	$2847	$485
Improper passing	$2855	$475
Passing school bus	$2855	$486
Wrong way/wrong lane	$2855	$475
Failure to stop at a red light	$2863	$487
Failure to yield	$2863	$477
Illegal turn	$2863	$487
Cell phone violation	$2871	$478
Driving with expired registration	$2871	$489
Following too closely	$2871	$478
Texting while driving	$2878	$490
Two comp claims	$2943	$490
Driving too slowly	$2959	$504
Speeding in school zone	$2959	$493
Speeding 11 - 15 MPH over limit	$2967	$505
In 65 MPH zone	$3071	$512
Speeding 16 - 20 MPH over limit	$3071	$522
Speeding 21 - 25 MPH over limit	$3087	$514
Open container	$3120	$531
Operating a vehicle without permission	$3120	$520
At-fault accident - less than $1000	$3384	$575
At-fault accident - $1000-$2000	$3440	$574
At-fault accident - greater than $2000	$3440	$585
Racing	$3721	$620
DUI	$3729	$635
Refusal to submit to a chemical test	$3729	$621
Driving with a suspended license	$3794	$645
Reckless driving	$3873	$645
Leaving scene of an accident/hit and run	$3914	$666

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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 Carrollwood 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 Carrollwood.

The cheapest car insurance premiums in Carrollwood are offered by AIG at $867 for a six-month policy. However, it can be as expensive as $1075 with companies like National General.

Carrollwood car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$867	$144
Travelers	$1380	$232
State Farm	$1675	$282
Progressive	$1692	$285
Allstate	$3079	$518
UAIC	$3393	$576
Farmers	$3665	$610
National General	$1075	$180

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 Carrollwood are offered by Nationwide at $753. However, it can be as expensive as $3914 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Carrollwood after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$753	$128
State Farm	$971	$163
Travelers	$1162	$196
UAIC	$1925	$321
Allstate	$2206	$371
Progressive	$3183	$531
Farmers	$3914	$666

Car Insurance Price Trends in Carrollwood, Florida

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

The average cost of full coverage in the Carrollwood remained steady at $373 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Carrollwood remained steady at $113 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 Carrollwood?

The car insurance in Carrollwood is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Carrollwood?

The cheapest car insurance in Carrollwood is $232 per month for full coverage.

How much is car insurance in Carrollwood for teenagers?

Car insurance for teenagers costs $730 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 Carrollwood?

The average cost of car insurance is $1601 for a six-month policy. It will cost around $363 per month to insure your car in Carrollwood.

Is car insurance expensive in Carrollwood?

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

Cheapest Car Insurance Quotes in Carrollwood

Why you can trust Way?

How Much Is Car Insurance in Carrollwood

Avg. Car Insurance in Carrollwood

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Carrollwood

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Carrollwood Car Insurance Rates by Company

Cheap Car Insurance Companies in Carrollwood, FL

Way's key takeaways about car insurance in Carrollwood

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Carrollwood

Cheapest Liability Coverage in Carrollwood, FL

Cheapest Full Coverage Car Insurance in Carrollwood

Cheapest Full Coverage Car Insurance Quotes in Carrollwood, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Carrollwood by Rating Factor

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

Car Insurance Premiums by Age in Carrollwood

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Carrollwood,FL

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

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 Carrollwood

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

Carrollwood Car Insurance Rates by Violation

Carrollwood auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Carrollwood after a DUI

Carrollwood car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Carrollwood after Speeding ticket

Car Insurance Price Trends in Carrollwood, Florida

Average Car Insurance Cost in Carrollwood by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Carrollwood, FL

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

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