Cheapest Car Insurance Quotes in Dade City North

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Dade City North Car Insurance

^$ 24

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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 $1857 for a six-month policy, which is $256 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1186, 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

$1857

Avg. Car Insurance in Florida

$1601

National Average

$1140

Cheapest Car Insurance Companies in Dade City North

1st place: Travelers

At $1186 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 $1261 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1467 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 $1186 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1261.

At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $1109 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	$1186	$200
State Farm	$1261	$212
Nationwide	$1467	$247
United Automobile Ins Group	$1585	$264
Progressive	$1654	$278
UAIC	$1654	$276
MetLife	$1743	$297
Farmers	$2770	$462
Mercury	$2990	$508
Allstate	$3011	$507
Metropolitan Group	$1109	$184

Key Takeaways

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

The auto insurance costs in Dade City North fall around $1186 for six months.
The cheapest auto insurance company in Dade City North is Patrons Insurance.
Teen drivers pay the highest rate in Dade City North at $1602 per month.

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

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.

Patrons Insurance provides the cheapest minimum car insurance coverage in Dade City North. Their Average 6 Month Premium is $145. Metropolitan Group is the most expensive at $441 for the same period.

Cheapest Liability Coverage in Dade City North, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$145	$24
Travelers	$441	$74
State Farm	$469	$79
Mercury	$496	$84
Nationwide	$551	$94
Farmers	$764	$128
AIG	$778	$132
Progressive	$813	$137
United Automobile Ins Group	$834	$142
UAIC	$902	$151
Allstate	$1041	$175
Metropolitan Group	$441	$73

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 $200 per month and $1186 for six months.

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

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1186	$200
State Farm	$1261	$212
Nationwide	$1467	$247
United Automobile Ins Group	$1585	$264
Progressive	$1654	$278
UAIC	$1654	$276
MetLife	$1743	$297
Farmers	$2770	$462
Mercury	$2990	$508
Allstate	$3011	$507
Metropolitan Group	$1109	$184

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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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Travelers	$1505
40s	Travelers	$1136
50s	Travelers	$1059
60s	Travelers	$1044

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 $104 per month. At $9419 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$628	$104
AIG	$848	$144
Travelers	$1922	$324
State Farm	$2529	$426
UAIC	$3762	$628
United Automobile Ins Group	$3907	$665
Allstate	$5925	$998
Mercury	$7345	$1237
Progressive	$7849	$1321
Farmers	$9419	$1602

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 Dade City North.

As young drivers face the highest rates in Dade City North, Travelers offers the cheapest auto insurance rates at $1505 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 Dade City North, Nationwide is the cheapest car insurance provider. At $751 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 Allstate, offering rates of around $6023 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$751	$128
Mercury	$820	$137
Direct General Insurance	$855	$145
Travelers	$1626	$274
UAIC	$1654	$281
Progressive	$3197	$532
Farmers	$3831	$652
State Farm	$5740	$957
Allstate	$6023	$1024

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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 $792 and $1013, respectively. National General is an expensive provider with an average six-month premium of $1226.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$792	$132
AIG	$1013	$172
Travelers	$1144	$193
State Farm	$1179	$198
United Automobile Ins Group	$2060	$343
Mercury	$2129	$358
UAIC	$2156	$360
Progressive	$2825	$476
Farmers	$3865	$644
Allstate	$5229	$880
National General	$1226	$209

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 $1088 for a six month policy. While the rate increases by $330 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	$2116	$353
One Med/PIP claim	$2116	$360
Not-at-fault accident	$2288	$382
Two Med/PIP claims	$2350	$399
One comp claim	$2384	$398
Child safety restraint	$2391	$406
Failure to wear a seat belt	$2391	$399
Driving without lights	$2398	$407
Failure to show documents	$2398	$400
Speeding 6 - 10 MPH over limit	$2446	$416
Improper passing	$2453	$408
Passing school bus	$2453	$418
Wrong way/wrong lane	$2453	$408
Failure to stop at a red light	$2460	$419
Failure to yield	$2460	$409
Illegal turn	$2460	$419
Cell phone violation	$2467	$411
Driving with expired registration	$2467	$420
Following too closely	$2467	$411
Texting while driving	$2473	$421
Two comp claims	$2529	$421
Driving too slowly	$2543	$433
Speeding in school zone	$2543	$423
Speeding 11 - 15 MPH over limit	$2550	$434
In 65 MPH zone	$2639	$440
Speeding 16 - 20 MPH over limit	$2639	$449
Speeding 21 - 25 MPH over limit	$2653	$442
Open container	$2681	$456
Operating a vehicle without permission	$2681	$447
At-fault accident - less than $1000	$2908	$494
At-fault accident - $1000-$2000	$2956	$493
At-fault accident - greater than $2000	$2956	$502
Racing	$3197	$532
DUI	$3204	$545
Refusal to submit to a chemical test	$3204	$534
Driving with a suspended license	$3260	$554
Reckless driving	$3328	$554
Leaving scene of an accident/hit and run	$3363	$572

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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 $745 for a six-month policy. However, it can be as expensive as $923 with companies like National General.

Dade City North car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$745	$124
Travelers	$1186	$200
State Farm	$1440	$242
Progressive	$1453	$245
Allstate	$2646	$445
UAIC	$2915	$495
Farmers	$3149	$524
National General	$923	$154

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 $647. However, it can be as expensive as $3363 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	$647	$110
State Farm	$834	$140
Travelers	$999	$168
UAIC	$1654	$276
Allstate	$1895	$319
Progressive	$2735	$456
Farmers	$3363	$572

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 remained steady at $320 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Dade City North remained steady at $97 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 Dade City North?

The car insurance in Dade City North is $24 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 $200 per month for full coverage.

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

Car insurance for teenagers costs $628 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 $1601 for a six-month policy. It will cost around $312 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 Travelers 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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