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Cheapest Car Insurance Quotes in De Funiak Springs
Finding the cheapest car insurance quotes in De Funiak Springs 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 De Funiak Springs
The car insurance rate in De Funiak Springs is $1249 for a six-month policy, which is $462 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $789, making it a popular choice for budget-conscious drivers. Rates in De Funiak Springs 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.
Cheapest Car Insurance Companies in De Funiak Springs
1st place: Travelers
At $789 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 $824 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Nationwide
Nationwide offers auto insurance
rates at $863
for six months, making it
the third cheapest auto insurance company in De Funiak Springs.
De Funiak Springs Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in De Funiak Springs, FL is Travelers, offering policies at just $789 for a six-month term. This is followed by State Farm, which has an average six-month premium of $824.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1743 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help De Funiak Springs drivers find the best deals.
Cheap Car Insurance Companies in De Funiak Springs, FL
Way's key takeaways about car insurance in De Funiak Springs
The auto insurance costs in De Funiak Springs fall around $789 for six
months.
The cheapest auto insurance company in De Funiak Springs is Mercury.
Teen drivers pay the highest rate in De Funiak Springs at $1008 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 De Funiak Springs
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 De Funiak Springs are given below.
Mercury provides
the cheapest minimum car insurance
coverage in De Funiak Springs. Their Average 6 Month Premium is $312.
Farmers is the most
expensive at $481 for the same
period.
Cheapest Liability Coverage in De Funiak Springs, FL
Cheapest Full Coverage Car Insurance in De Funiak Springs
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 De Funiak Springs is Travelers
at $133 per month and $789
for six months.
Cheapest Full Coverage Car Insurance Quotes in De Funiak Springs,
FL
Get Your Car Insurance Quote in De Funiak Springs
Instantly!
Average Car Insurance in De Funiak Springs 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 De Funiak Springs, FL increasing?
Despite maintaining a clean driving record, your car insurance rates
in De Funiak Springs, 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, De Funiak Springs's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in De Funiak Springs
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
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Cheapest Car Insurance Rates for Teen Drivers in
De Funiak Springs,FL
If you are planning to get a car insurance policy for your teenage
dependent, Nationwide provides the cheapest car
insurance in the De Funiak Springs at $66
per
month. At $5928 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in De Funiak Springs.
As young drivers face the highest rates in De Funiak Springs, N/A
offers the cheapest auto insurance rates at $N/A 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 De Funiak Springs,
Nationwide is
the cheapest car insurance provider. At $472 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
De Funiak Springs is Farmers, offering
rates of around $2411 for six
months.
Save up to $971/yr on car insurance rates in De Funiak Springs.
Car Insurance Rates with An Accident in De Funiak Springs
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 De Funiak Springs, FL,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in De Funiak Springs
The cheapest car insurance companies after an at-fault accident in
De Funiak Springs include Nationwide
and AIG, offering $499
and $637,
respectively. Farmers is an expensive provider
with an average six-month premium of
$2432.
De Funiak Springs Car Insurance Rates by
Violation
Here is a list of driving violations that can increase your car
insurance rates in De Funiak Springs FL. For example, the car
insurance in De Funiak Springs
after a DUI increases to $684 for a six
month policy. While the rate increases by $208 for a six-month policy in the case of
a speeding ticket.
De Funiak Springs auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1332
$222
One Med/PIP claim
$1332
$226
Not-at-fault accident
$1440
$240
Two Med/PIP claims
$1479
$251
One comp claim
$1500
$250
Child safety restraint
$1505
$256
Failure to wear a seat belt
$1505
$251
Driving without lights
$1509
$256
Failure to show documents
$1509
$252
Speeding 6 - 10 MPH over limit
$1540
$262
Improper passing
$1544
$257
Passing school bus
$1544
$263
Wrong way/wrong lane
$1544
$257
Failure to stop at a red light
$1548
$264
Failure to yield
$1548
$258
Illegal turn
$1548
$264
Cell phone violation
$1553
$258
Driving with expired registration
$1553
$264
Following too closely
$1553
$258
Texting while driving
$1556
$265
Two comp claims
$1591
$265
Driving too slowly
$1600
$272
Speeding in school zone
$1600
$266
Speeding 11 - 15 MPH over limit
$1605
$273
In 65 MPH zone
$1661
$277
Speeding 16 - 20 MPH over limit
$1661
$283
Speeding 21 - 25 MPH over limit
$1670
$278
Open container
$1687
$287
Operating a vehicle without permission
$1687
$281
At-fault accident - less than $1000
$1830
$311
At-fault accident - $1000-$2000
$1860
$310
At-fault accident - greater than $2000
$1860
$316
Racing
$2012
$335
DUI
$2016
$343
Refusal to submit to a chemical test
$2016
$336
Driving with a suspended license
$2051
$349
Reckless driving
$2094
$349
Leaving scene of an accident/hit and run
$2116
$360
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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 De Funiak Springs 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 De Funiak Springs.
The cheapest car insurance premiums in
De Funiak Springs are
offered by AIG at $469 for a six-month policy.
However, it can be as
expensive as $1982 with companies
like Farmers.
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 De Funiak Springs are offered by Nationwide
at $407. However,
it can be as expensive as $2116
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in De Funiak Springs after Speeding ticket
Car Insurance Price Trends in De Funiak Springs,
Florida
Car insurance rates in De Funiak Springs have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the De Funiak Springs rose by
$207 in February
compared to $187 of January. In other words, there has been an increase by $20 when you
compare February and January.
The average cost of liability insurance in the De Funiak Springs rose to $140 in February,
compared to $61 in January.
This represents an increase of $79
when comparing February and January.
Average Car Insurance Cost in De Funiak Springs 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
De Funiak Springs. At $N/A for a
six-month policy, insuring
your car at N/A 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 De Funiak Springs?
The car insurance in De Funiak Springs is $53 per month, which is lower than the national average.
What is the cheapest car insurance in De Funiak Springs?
The cheapest car insurance in De Funiak Springs
is $133 per month
for full coverage.
How much is car insurance in De Funiak Springs for teenagers?
Car insurance for teenagers costs $395 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
De Funiak Springs?
The average cost of car insurance is $1711 for a six-month
policy. It will cost around $210 per month to insure your
car in De Funiak Springs.
Is car insurance expensive in De Funiak Springs?
Car insurance can be expensive in De Funiak Springs if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in De Funiak Springs can be
affordable.
What is the best car insurance in De Funiak Springs,
FL?
The best car insurance company in De Funiak Springs
FL is
Travelers, offering $789 for a
six-month policy.
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De Funiak Springs Car Insurance
