Cheapest Car Insurance Quotes in Dade City North

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Dade City North Car Insurance

^$ 78

/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 Dade City North

The car insurance rate in Dade City North is $1865 for a six-month policy, which is $154 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1178, making it a popular choice for budget-conscious drivers. Rates in Dade City North 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 Dade City North

$1865

Avg. Car Insurance in Florida

$1711

National Average

$1278

Cheapest Car Insurance Companies in Dade City North

1st place: Travelers

At $1178 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 $1231 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1288 for six months, making it the third cheapest auto insurance company in Dade City North.

Dade City North Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Dade City North, FL is Travelers, offering policies at just $1178 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1231.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2603 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Dade City North drivers find the best deals.

Cheap Car Insurance Companies in Dade City North, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1178	$198
State Farm	$1231	$207
Nationwide	$1288	$217
United Automobile Ins Group	$1489	$253
UAIC	$1645	$277
Progressive	$1942	$327
Mercury	$2810	$469
Allstate	$2830	$476
MetLife	$1638	$279
Farmers	$2603	$434

Key Takeaways

Way's key takeaways about car insurance in Dade City North

The auto insurance costs in Dade City North fall around $1178 for six months.
The cheapest auto insurance company in Dade City North is Mercury.
Teen drivers pay the highest rate in Dade City North at $1505 per month.

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Cheapest Minimum Liability Car Insurance in Dade City North

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 Dade City North are given below.

Mercury provides the cheapest minimum car insurance coverage in Dade City North. Their Average 6 Month Premium is $467. Farmers is the most expensive at $718 for the same period.

Cheapest Liability Coverage in Dade City North, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$467	$78
Nationwide	$518	$88
MetLife	$544	$90
AIG	$608	$104
United Automobile Ins Group	$784	$131
Travelers	$907	$153
State Farm	$1341	$226
Progressive	$2240	$377
Allstate	$2512	$423
UAIC	$2933	$499
Patrons Insurance	$136	$23
Farmers	$718	$120

Cheapest Full Coverage Car Insurance in Dade City North

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 Dade City North is Travelers at $198 per month and $1178 for six months.

Cheapest Full Coverage Car Insurance Quotes in Dade City North, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1178	$198
State Farm	$1231	$207
Nationwide	$1288	$217
United Automobile Ins Group	$1489	$253
UAIC	$1645	$277
Progressive	$1942	$327
Mercury	$2810	$469
Allstate	$2830	$476
MetLife	$1638	$279
Farmers	$2603	$434

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Average Car Insurance in Dade City North 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 Dade City North, FL increasing?

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

Car Insurance Premiums by Age in Dade City North

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 Dade City North,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Dade City North at $98 per month. At $8851 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$590	$98
AIG	$797	$135
Travelers	$2130	$359
State Farm	$2629	$443
United Automobile Ins Group	$3671	$611
UAIC	$3762	$640
Allstate	$5594	$942
Mercury	$6902	$1162
Progressive	$10146	$1708
Farmers	$8851	$1505

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 Dade City North, Nationwide is the cheapest car insurance provider. At $705 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 Dade City North is Farmers, offering rates of around $3600 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$705	$120
Mercury	$771	$129
Direct General Insurance	$803	$136
UAIC	$1651	$275
Travelers	$1955	$329
Progressive	$5225	$871
Allstate	$5594	$952
State Farm	$7005	$1167
Farmers	$3600	$613

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Car Insurance Rates with An Accident in Dade City North

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 Dade City North, FL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Dade City North

The cheapest car insurance companies after an at-fault accident in Dade City North include Nationwide and AIG, offering $744 and $952, respectively. Farmers is an expensive provider with an average six-month premium of $3632.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$744	$124
AIG	$952	$161
State Farm	$1204	$203
Travelers	$1224	$206
United Automobile Ins Group	$1936	$323
Mercury	$2000	$337
UAIC	$2163	$361
Progressive	$3568	$601
Allstate	$4946	$833
Farmers	$3632	$605

Dade City North Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Dade City North FL. For example, the car insurance in Dade City North after a DUI increases to $1023 for a six month policy. While the rate increases by $311 for a six-month policy in the case of a speeding ticket.

Dade City North auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1988	$331
One Med/PIP claim	$1988	$338
Not-at-fault accident	$2149	$359
Two Med/PIP claims	$2208	$375
One comp claim	$2240	$374
Child safety restraint	$2246	$382
Failure to wear a seat belt	$2246	$375
Driving without lights	$2253	$383
Failure to show documents	$2253	$376
Speeding 6 - 10 MPH over limit	$2299	$391
Improper passing	$2305	$384
Passing school bus	$2305	$392
Wrong way/wrong lane	$2305	$384
Failure to stop at a red light	$2312	$393
Failure to yield	$2312	$385
Illegal turn	$2312	$393
Cell phone violation	$2318	$386
Driving with expired registration	$2318	$395
Following too closely	$2318	$386
Texting while driving	$2324	$396
Two comp claims	$2376	$396
Driving too slowly	$2389	$407
Speeding in school zone	$2389	$398
Speeding 11 - 15 MPH over limit	$2396	$408
In 65 MPH zone	$2480	$413
Speeding 16 - 20 MPH over limit	$2480	$422
Speeding 21 - 25 MPH over limit	$2493	$415
Open container	$2519	$428
Operating a vehicle without permission	$2519	$420
At-fault accident - less than $1000	$2733	$464
At-fault accident - $1000-$2000	$2777	$463
At-fault accident - greater than $2000	$2777	$472
Racing	$3004	$500
DUI	$3011	$512
Refusal to submit to a chemical test	$3011	$501
Driving with a suspended license	$3063	$521
Reckless driving	$3127	$521
Leaving scene of an accident/hit and run	$3160	$537

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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 Dade City North 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 Dade City North.

The cheapest car insurance premiums in Dade City North are offered by AIG at $700 for a six-month policy. However, it can be as expensive as $2959 with companies like Farmers.

Dade City North car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$700	$119
Travelers	$1341	$226
State Farm	$1664	$280
Progressive	$1845	$311
Allstate	$2499	$421
UAIC	$2933	$488
Farmers	$2959	$493

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 Dade City North are offered by Nationwide at $608. However, it can be as expensive as $3160 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Dade City North after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$608	$101
State Farm	$971	$164
Travelers	$1198	$202
UAIC	$1651	$281
Allstate	$1787	$301
Progressive	$4195	$713
Farmers	$3160	$537

Car Insurance Price Trends in Dade City North, Florida

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

The average cost of full coverage in the Dade City North rose by $308 in March compared to $279 of February. In other words, there has been an increase by $29 when you compare March and February.

The average cost of liability insurance in the Dade City North rose to $209 in March, compared to $90 in February. This represents an increase of $119 when comparing March and February.

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Frequently Asked Questions

How much is car insurance in Dade City North?

The car insurance in Dade City North is $78 per month, which is lower than the national average.

What is the cheapest car insurance in Dade City North?

The cheapest car insurance in Dade City North is $198 per month for full coverage.

How much is car insurance in Dade City North for teenagers?

Car insurance for teenagers costs $590 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 Dade City North?

The average cost of car insurance is $1711 for a six-month policy. It will cost around $313 per month to insure your car in Dade City North.

Is car insurance expensive in Dade City North?

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

Cheapest Car Insurance Quotes in Dade City North

Why you can trust Way?

How Much Is Car Insurance in Dade City North

Avg. Car Insurance in Dade City North

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Dade City North

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Dade City North Car Insurance Rates by Company

Cheap Car Insurance Companies in Dade City North, FL

Way's key takeaways about car insurance in Dade City North

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Dade City North

Cheapest Liability Coverage in Dade City North, FL

Cheapest Full Coverage Car Insurance in Dade City North

Cheapest Full Coverage Car Insurance Quotes in Dade City North, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Dade City North by Rating Factor

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

Car Insurance Premiums by Age in Dade City North

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Dade City North,FL

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

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 Dade City North

Cheapest Car Insurance Companies after an At-Fault Accident in Dade City North

Dade City North Car Insurance Rates by Violation

Dade City North auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Dade City North after a DUI

Dade City North car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Dade City North after Speeding ticket

Car Insurance Price Trends in Dade City North, Florida

Average Car Insurance Cost in Dade City North by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Dade City North, FL

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

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