Cheapest Car Insurance Quotes in Cutler Bay

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Cutler Bay Car Insurance

^$ 94

/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 Cutler Bay

The car insurance rate in Cutler Bay is $2224 for a six-month policy, which is $513 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1405, making it a popular choice for budget-conscious drivers. Rates in Cutler Bay 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 Cutler Bay

$2224

Avg. Car Insurance in Florida

$1711

National Average

$1278

Cheapest Car Insurance Companies in Cutler Bay

1st place: Travelers

At $1405 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 $1468 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1537 for six months, making it the third cheapest auto insurance company in Cutler Bay.

Cutler Bay Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cutler Bay, FL is Travelers, offering policies at just $1405 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1468.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $3104 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cutler Bay drivers find the best deals.

Cheap Car Insurance Companies in Cutler Bay, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1405	$237
State Farm	$1468	$247
Nationwide	$1537	$259
United Automobile Ins Group	$1776	$302
UAIC	$1962	$330
Progressive	$2317	$390
Mercury	$3351	$559
Allstate	$3375	$568
MetLife	$1954	$333
Farmers	$3104	$517

Key Takeaways

Way's key takeaways about car insurance in Cutler Bay

The auto insurance costs in Cutler Bay fall around $1405 for six months.
The cheapest auto insurance company in Cutler Bay is Mercury.
Teen drivers pay the highest rate in Cutler Bay at $1795 per month.

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Cheapest Minimum Liability Car Insurance in Cutler Bay

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 Cutler Bay are given below.

Mercury provides the cheapest minimum car insurance coverage in Cutler Bay. Their Average 6 Month Premium is $556. Farmers is the most expensive at $857 for the same period.

Cheapest Liability Coverage in Cutler Bay, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$556	$94
Nationwide	$618	$105
MetLife	$649	$108
AIG	$725	$124
United Automobile Ins Group	$935	$156
Travelers	$1082	$182
State Farm	$1599	$269
Progressive	$2672	$450
Allstate	$2997	$504
UAIC	$3498	$595
Patrons Insurance	$163	$27
Farmers	$857	$143

Cheapest Full Coverage Car Insurance in Cutler Bay

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 Cutler Bay is Travelers at $237 per month and $1405 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cutler Bay, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1405	$237
State Farm	$1468	$247
Nationwide	$1537	$259
United Automobile Ins Group	$1776	$302
UAIC	$1962	$330
Progressive	$2317	$390
Mercury	$3351	$559
Allstate	$3375	$568
MetLife	$1954	$333
Farmers	$3104	$517

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Average Car Insurance in Cutler Bay 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 Cutler Bay, FL increasing?

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

Car Insurance Premiums by Age in Cutler Bay

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 Cutler Bay,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Cutler Bay at $117 per month. At $10556 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$703	$117
AIG	$950	$161
Travelers	$2540	$428
State Farm	$3136	$528
United Automobile Ins Group	$4378	$729
UAIC	$4486	$763
Allstate	$6672	$1123
Mercury	$8232	$1386
Progressive	$12100	$2037
Farmers	$10556	$1795

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 Cutler Bay, Nationwide is the cheapest car insurance provider. At $841 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 Cutler Bay is Farmers, offering rates of around $4294 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$841	$143
Mercury	$919	$153
Direct General Insurance	$958	$163
UAIC	$1970	$328
Travelers	$2332	$393
Progressive	$6232	$1039
Allstate	$6672	$1135
State Farm	$8355	$1392
Farmers	$4294	$731

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Car Insurance Rates with An Accident in Cutler Bay

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

Cheapest Car Insurance Companies after an At-Fault Accident in Cutler Bay

The cheapest car insurance companies after an at-fault accident in Cutler Bay include Nationwide and AIG, offering $888 and $1135, respectively. Farmers is an expensive provider with an average six-month premium of $4332.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$888	$148
AIG	$1135	$192
State Farm	$1437	$242
Travelers	$1460	$246
United Automobile Ins Group	$2309	$385
Mercury	$2386	$402
UAIC	$2579	$430
Progressive	$4255	$716
Allstate	$5899	$993
Farmers	$4332	$722

Cutler Bay Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cutler Bay FL. For example, the car insurance in Cutler Bay after a DUI increases to $1220 for a six month policy. While the rate increases by $371 for a six-month policy in the case of a speeding ticket.

Cutler Bay auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2371	$395
One Med/PIP claim	$2371	$403
Not-at-fault accident	$2564	$428
Two Med/PIP claims	$2634	$447
One comp claim	$2672	$446
Child safety restraint	$2679	$455
Failure to wear a seat belt	$2679	$447
Driving without lights	$2687	$456
Failure to show documents	$2687	$449
Speeding 6 - 10 MPH over limit	$2742	$467
Improper passing	$2750	$458
Passing school bus	$2750	$468
Wrong way/wrong lane	$2750	$458
Failure to stop at a red light	$2757	$469
Failure to yield	$2757	$459
Illegal turn	$2757	$469
Cell phone violation	$2765	$460
Driving with expired registration	$2765	$471
Following too closely	$2765	$460
Texting while driving	$2772	$472
Two comp claims	$2834	$472
Driving too slowly	$2850	$485
Speeding in school zone	$2850	$475
Speeding 11 - 15 MPH over limit	$2857	$486
In 65 MPH zone	$2958	$493
Speeding 16 - 20 MPH over limit	$2958	$503
Speeding 21 - 25 MPH over limit	$2973	$495
Open container	$3004	$511
Operating a vehicle without permission	$3004	$501
At-fault accident - less than $1000	$3259	$554
At-fault accident - $1000-$2000	$3312	$553
At-fault accident - greater than $2000	$3312	$563
Racing	$3583	$597
DUI	$3591	$611
Refusal to submit to a chemical test	$3591	$598
Driving with a suspended license	$3653	$621
Reckless driving	$3730	$621
Leaving scene of an accident/hit and run	$3769	$641

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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 Cutler Bay 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 Cutler Bay.

The cheapest car insurance premiums in Cutler Bay are offered by AIG at $835 for a six-month policy. However, it can be as expensive as $3530 with companies like Farmers.

Cutler Bay car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$835	$142
Travelers	$1599	$269
State Farm	$1985	$334
Progressive	$2201	$371
Allstate	$2981	$502
UAIC	$3498	$582
Farmers	$3530	$588

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 Cutler Bay are offered by Nationwide at $725. However, it can be as expensive as $3769 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Cutler Bay after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$725	$121
State Farm	$1158	$195
Travelers	$1429	$241
UAIC	$1970	$335
Allstate	$2131	$359
Progressive	$5004	$850
Farmers	$3769	$641

Car Insurance Price Trends in Cutler Bay, Florida

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

The average cost of full coverage in the Cutler Bay rose by $368 in March compared to $333 of February. In other words, there has been an increase by $35 when you compare March and February.

The average cost of liability insurance in the Cutler Bay rose to $250 in March, compared to $108 in February. This represents an increase of $142 when comparing March and February.

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Frequently Asked Questions

How much is car insurance in Cutler Bay?

The car insurance in Cutler Bay is $94 per month, which is lower than the national average.

What is the cheapest car insurance in Cutler Bay?

The cheapest car insurance in Cutler Bay is $237 per month for full coverage.

How much is car insurance in Cutler Bay for teenagers?

Car insurance for teenagers costs $703 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 Cutler Bay?

The average cost of car insurance is $1711 for a six-month policy. It will cost around $373 per month to insure your car in Cutler Bay.

Is car insurance expensive in Cutler Bay?

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

Cheapest Car Insurance Quotes in Cutler Bay

Why you can trust Way?

How Much Is Car Insurance in Cutler Bay

Avg. Car Insurance in Cutler Bay

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Cutler Bay

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Cutler Bay Car Insurance Rates by Company

Cheap Car Insurance Companies in Cutler Bay, FL

Way's key takeaways about car insurance in Cutler Bay

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Cutler Bay

Cheapest Liability Coverage in Cutler Bay, FL

Cheapest Full Coverage Car Insurance in Cutler Bay

Cheapest Full Coverage Car Insurance Quotes in Cutler Bay, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Cutler Bay by Rating Factor

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

Car Insurance Premiums by Age in Cutler Bay

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Cutler Bay,FL

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

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 Cutler Bay

Cheapest Car Insurance Companies after an At-Fault Accident in Cutler Bay

Cutler Bay Car Insurance Rates by Violation

Cutler Bay auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Cutler Bay after a DUI

Cutler Bay car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Cutler Bay after Speeding ticket

Car Insurance Price Trends in Cutler Bay, Florida

Average Car Insurance Cost in Cutler Bay by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Cutler Bay, FL

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

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