Cheapest Car Insurance Quotes in Desoto Lakes

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Desoto Lakes Car Insurance

^$ 63

/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 Desoto Lakes

The car insurance rate in Desoto Lakes is $1489 for a six-month policy, which is $222 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $940, making it a popular choice for budget-conscious drivers. Rates in Desoto Lakes 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 Desoto Lakes

$1489

Avg. Car Insurance in Florida

$1711

National Average

$1278

Cheapest Car Insurance Companies in Desoto Lakes

1st place: Travelers

At $940 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 $982 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1028 for six months, making it the third cheapest auto insurance company in Desoto Lakes.

Desoto Lakes Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Desoto Lakes, FL is Travelers, offering policies at just $940 for a six-month term. This is followed by State Farm, which has an average six-month premium of $982.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2078 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Desoto Lakes drivers find the best deals.

Cheap Car Insurance Companies in Desoto Lakes, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$940	$158
State Farm	$982	$165
Nationwide	$1028	$173
United Automobile Ins Group	$1188	$202
UAIC	$1313	$221
Progressive	$1550	$261
Mercury	$2243	$374
Allstate	$2259	$380
MetLife	$1308	$223
Farmers	$2078	$346

Key Takeaways

Way's key takeaways about car insurance in Desoto Lakes

The auto insurance costs in Desoto Lakes fall around $940 for six months.
The cheapest auto insurance company in Desoto Lakes is Mercury.
Teen drivers pay the highest rate in Desoto Lakes at $1201 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 Desoto Lakes

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 Desoto Lakes are given below.

Mercury provides the cheapest minimum car insurance coverage in Desoto Lakes. Their Average 6 Month Premium is $372. Farmers is the most expensive at $573 for the same period.

Cheapest Liability Coverage in Desoto Lakes, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$372	$63
Nationwide	$413	$70
MetLife	$434	$72
AIG	$485	$83
United Automobile Ins Group	$626	$104
Travelers	$724	$122
State Farm	$1070	$180
Progressive	$1788	$301
Allstate	$2005	$338
UAIC	$2341	$398
Patrons Insurance	$109	$18
Farmers	$573	$96

Cheapest Full Coverage Car Insurance in Desoto Lakes

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 Desoto Lakes is Travelers at $158 per month and $940 for six months.

Cheapest Full Coverage Car Insurance Quotes in Desoto Lakes, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$940	$158
State Farm	$982	$165
Nationwide	$1028	$173
United Automobile Ins Group	$1188	$202
UAIC	$1313	$221
Progressive	$1550	$261
Mercury	$2243	$374
Allstate	$2259	$380
MetLife	$1308	$223
Farmers	$2078	$346

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Average Car Insurance in Desoto Lakes 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 Desoto Lakes, FL increasing?

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

Car Insurance Premiums by Age in Desoto Lakes

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 Desoto Lakes,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Desoto Lakes at $78 per month. At $7064 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$471	$78
AIG	$636	$108
Travelers	$1700	$286
State Farm	$2098	$353
United Automobile Ins Group	$2930	$488
UAIC	$3002	$511
Allstate	$4465	$752
Mercury	$5509	$927
Progressive	$8098	$1363
Farmers	$7064	$1201

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 Desoto Lakes, Nationwide is the cheapest car insurance provider. At $563 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 Desoto Lakes is Farmers, offering rates of around $2874 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$563	$96
Mercury	$615	$103
Direct General Insurance	$641	$109
UAIC	$1318	$219
Travelers	$1561	$263
Progressive	$4171	$695
Allstate	$4465	$760
State Farm	$5591	$932
Farmers	$2874	$489

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Car Insurance Rates with An Accident in Desoto Lakes

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 Desoto Lakes, FL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Desoto Lakes

The cheapest car insurance companies after an at-fault accident in Desoto Lakes include Nationwide and AIG, offering $594 and $760, respectively. Farmers is an expensive provider with an average six-month premium of $2899.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$594	$99
AIG	$760	$129
State Farm	$961	$162
Travelers	$977	$164
United Automobile Ins Group	$1545	$258
Mercury	$1596	$269
UAIC	$1726	$288
Progressive	$2848	$479
Allstate	$3948	$665
Farmers	$2899	$483

Desoto Lakes Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Desoto Lakes FL. For example, the car insurance in Desoto Lakes after a DUI increases to $816 for a six month policy. While the rate increases by $248 for a six-month policy in the case of a speeding ticket.

Desoto Lakes auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1587	$264
One Med/PIP claim	$1587	$270
Not-at-fault accident	$1716	$286
Two Med/PIP claims	$1763	$299
One comp claim	$1788	$298
Child safety restraint	$1793	$305
Failure to wear a seat belt	$1793	$299
Driving without lights	$1798	$305
Failure to show documents	$1798	$300
Speeding 6 - 10 MPH over limit	$1835	$312
Improper passing	$1840	$306
Passing school bus	$1840	$313
Wrong way/wrong lane	$1840	$306
Failure to stop at a red light	$1845	$314
Failure to yield	$1845	$307
Illegal turn	$1845	$314
Cell phone violation	$1850	$308
Driving with expired registration	$1850	$315
Following too closely	$1850	$308
Texting while driving	$1855	$316
Two comp claims	$1897	$316
Driving too slowly	$1907	$325
Speeding in school zone	$1907	$318
Speeding 11 - 15 MPH over limit	$1912	$325
In 65 MPH zone	$1979	$330
Speeding 16 - 20 MPH over limit	$1979	$337
Speeding 21 - 25 MPH over limit	$1990	$331
Open container	$2011	$342
Operating a vehicle without permission	$2011	$335
At-fault accident - less than $1000	$2181	$371
At-fault accident - $1000-$2000	$2217	$370
At-fault accident - greater than $2000	$2217	$377
Racing	$2398	$399
DUI	$2403	$409
Refusal to submit to a chemical test	$2403	$400
Driving with a suspended license	$2445	$416
Reckless driving	$2496	$416
Leaving scene of an accident/hit and run	$2522	$429

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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 Desoto Lakes 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 Desoto Lakes.

The cheapest car insurance premiums in Desoto Lakes are offered by AIG at $559 for a six-month policy. However, it can be as expensive as $2362 with companies like Farmers.

Desoto Lakes car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$559	$95
Travelers	$1070	$180
State Farm	$1328	$224
Progressive	$1473	$248
Allstate	$1995	$336
UAIC	$2341	$390
Farmers	$2362	$393

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 Desoto Lakes are offered by Nationwide at $485. However, it can be as expensive as $2522 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Desoto Lakes after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$485	$81
State Farm	$775	$131
Travelers	$956	$161
UAIC	$1318	$224
Allstate	$1426	$240
Progressive	$3349	$569
Farmers	$2522	$429

Car Insurance Price Trends in Desoto Lakes, Florida

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

The average cost of full coverage in the Desoto Lakes rose by $246 in March compared to $223 of February. In other words, there has been an increase by $23 when you compare March and February.

The average cost of liability insurance in the Desoto Lakes rose to $167 in March, compared to $72 in February. This represents an increase of $95 when comparing March and February.

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Frequently Asked Questions

How much is car insurance in Desoto Lakes?

The car insurance in Desoto Lakes is $63 per month, which is lower than the national average.

What is the cheapest car insurance in Desoto Lakes?

The cheapest car insurance in Desoto Lakes is $158 per month for full coverage.

How much is car insurance in Desoto Lakes for teenagers?

Car insurance for teenagers costs $471 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 Desoto Lakes?

The average cost of car insurance is $1711 for a six-month policy. It will cost around $250 per month to insure your car in Desoto Lakes.

Is car insurance expensive in Desoto Lakes?

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

Cheapest Car Insurance Quotes in Desoto Lakes

Why you can trust Way?

How Much Is Car Insurance in Desoto Lakes

Avg. Car Insurance in Desoto Lakes

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Desoto Lakes

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Desoto Lakes Car Insurance Rates by Company

Cheap Car Insurance Companies in Desoto Lakes, FL

Way's key takeaways about car insurance in Desoto Lakes

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Desoto Lakes

Cheapest Liability Coverage in Desoto Lakes, FL

Cheapest Full Coverage Car Insurance in Desoto Lakes

Cheapest Full Coverage Car Insurance Quotes in Desoto Lakes, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Desoto Lakes by Rating Factor

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

Car Insurance Premiums by Age in Desoto Lakes

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Desoto Lakes,FL

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

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 Desoto Lakes

Cheapest Car Insurance Companies after an At-Fault Accident in Desoto Lakes

Desoto Lakes Car Insurance Rates by Violation

Desoto Lakes auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Desoto Lakes after a DUI

Desoto Lakes car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Desoto Lakes after Speeding ticket

Car Insurance Price Trends in Desoto Lakes, Florida

Average Car Insurance Cost in Desoto Lakes by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Desoto Lakes, FL

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

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