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Finding the cheapest car insurance quotes in Crystal Beach shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Crystal Beach
The car insurance rate in Crystal Beach is $1793 for a six-month policy, which is $192 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1145, making it a popular choice for budget-conscious drivers. Rates in Crystal Beach 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.
At $1145 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 $1217 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Nationwide
Nationwide offers auto insurance
rates at $1417
for six months, making it
the third cheapest auto insurance company in Crystal Beach.
Crystal Beach Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Crystal Beach, FL is Travelers, offering policies at just $1145 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1217.
At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $1071 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Crystal Beach drivers find the best deals.
Cheap Car Insurance Companies in Crystal Beach, FL
Way's key takeaways about car insurance in Crystal Beach
The auto insurance costs in Crystal Beach fall around $1145 for six
months.
The cheapest auto insurance company in Crystal Beach is Patrons Insurance.
Teen drivers pay the highest rate in Crystal Beach at $1547 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 Crystal Beach
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 Crystal Beach are given below.
Patrons Insurance provides
the cheapest minimum car insurance
coverage in Crystal Beach. Their Average 6 Month Premium is $140.
Metropolitan Group is the most
expensive at $426 for the same
period.
Cheapest Full Coverage Car Insurance in Crystal Beach
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 Crystal Beach is Travelers
at $193 per month and $1145
for six months.
Cheapest Full Coverage Car Insurance Quotes in Crystal Beach,
FL
Get Your Car Insurance Quote in Crystal Beach
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Average Car Insurance in Crystal Beach 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 Crystal Beach, FL increasing?
Despite maintaining a clean driving record, your car insurance rates
in Crystal Beach, 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, Crystal Beach's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Crystal Beach
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
$1453
40s
Travelers
$1096
50s
Travelers
$1023
60s
Travelers
$1008
Cheapest Car Insurance Rates for Teen Drivers in
Crystal Beach,FL
If you are planning to get a car insurance policy for your teenage
dependent, Nationwide provides the cheapest car
insurance in the Crystal Beach at $101
per
month. At $9094 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties Travelers is
the best choice for car
insurance in Crystal Beach.
As young drivers face the highest rates in Crystal Beach, Travelers
offers the cheapest auto insurance rates at $1453 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 Crystal Beach,
Nationwide is
the cheapest car insurance provider. At $725 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
Crystal Beach is Allstate, offering
rates of around $5815 for six
months.
Save up to $971/yr on car insurance rates in Crystal Beach.
Car Insurance Rates with An Accident in Crystal Beach
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 Crystal Beach, FL,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Crystal Beach
The cheapest car insurance companies after an at-fault accident in
Crystal Beach include Nationwide
and AIG, offering $765
and $978,
respectively. National General is an expensive provider
with an average six-month premium of
$1184.
Here is a list of driving violations that can increase your car
insurance rates in Crystal Beach FL. For example, the car
insurance in Crystal Beach
after a DUI increases to $1050 for a six
month policy. While the rate increases by $319 for a six-month policy in the case of
a speeding ticket.
Crystal Beach auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$2043
$340
One Med/PIP claim
$2043
$347
Not-at-fault accident
$2209
$368
Two Med/PIP claims
$2269
$385
One comp claim
$2302
$384
Child safety restraint
$2308
$392
Failure to wear a seat belt
$2308
$385
Driving without lights
$2315
$393
Failure to show documents
$2315
$386
Speeding 6 - 10 MPH over limit
$2362
$402
Improper passing
$2369
$394
Passing school bus
$2369
$403
Wrong way/wrong lane
$2369
$394
Failure to stop at a red light
$2376
$404
Failure to yield
$2376
$395
Illegal turn
$2376
$404
Cell phone violation
$2382
$396
Driving with expired registration
$2382
$405
Following too closely
$2382
$396
Texting while driving
$2388
$407
Two comp claims
$2442
$407
Driving too slowly
$2455
$418
Speeding in school zone
$2455
$409
Speeding 11 - 15 MPH over limit
$2462
$419
In 65 MPH zone
$2548
$424
Speeding 16 - 20 MPH over limit
$2548
$433
Speeding 21 - 25 MPH over limit
$2561
$427
Open container
$2588
$440
Operating a vehicle without permission
$2588
$431
At-fault accident - less than $1000
$2808
$477
At-fault accident - $1000-$2000
$2854
$476
At-fault accident - greater than $2000
$2854
$485
Racing
$3087
$514
DUI
$3093
$526
Refusal to submit to a chemical test
$3093
$515
Driving with a suspended license
$3147
$535
Reckless driving
$3213
$535
Leaving scene of an accident/hit and run
$3247
$552
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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 Crystal Beach 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 Crystal Beach.
The cheapest car insurance premiums in
Crystal Beach are
offered by AIG at $719 for a six-month policy.
However, it can be as
expensive as $892 with companies
like National General.
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 Crystal Beach are offered by Nationwide
at $625. However,
it can be as expensive as $3247
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Crystal Beach after Speeding ticket
Car Insurance Price Trends in Crystal Beach,
Florida
Car insurance rates in Crystal Beach have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Crystal Beach remained steady at $309 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Crystal Beach remained steady at $94 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Crystal Beach by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Crystal Beach. At $3586 for a
six-month policy, insuring
your car at 34681 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Crystal Beach?
The car insurance in Crystal Beach is $24 per month, which is lower than the national average.
What is the cheapest car insurance in Crystal Beach?
The cheapest car insurance in Crystal Beach
is $193 per month
for full coverage.
How much is car insurance in Crystal Beach for teenagers?
Car insurance for teenagers costs $606 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
Crystal Beach?
The average cost of car insurance is $1601 for a six-month
policy. It will cost around $301 per month to insure your
car in Crystal Beach.
Is car insurance expensive in Crystal Beach?
Car insurance can be expensive in Crystal Beach if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Crystal Beach can be
affordable.
What is the best car insurance in Crystal Beach,
FL?
The best car insurance company in Crystal Beach
FL is
Travelers, offering $1145 for a
six-month policy.
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Crystal Beach Car Insurance
