Cheapest Car Insurance Quotes in Desoto Lakes

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Desoto Lakes Car Insurance

^$ 53

/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 $1430 for a six-month policy, which is $195 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $852, 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

$1430

Avg. Car Insurance in Florida

$1625

National Average

$1278

Cheapest Car Insurance Companies in Desoto Lakes

1st place: Travelers

At $852 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 $951 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1040 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 $852 for a six-month term. This is followed by State Farm, which has an average six-month premium of $951.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2101 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	$852	$143
State Farm	$951	$160
Nationwide	$1040	$175
Progressive	$1103	$186
United Automobile Ins Group	$1202	$201
UAIC	$1317	$224
Allstate	$2148	$358
Mercury	$2269	$385
MetLife	$1323	$225
Farmers	$2101	$350

Key Takeaways

Way's key takeaways about car insurance in Desoto Lakes

The auto insurance costs in Desoto Lakes fall around $852 for six months.
The cheapest auto insurance company in Desoto Lakes is Travelers.
Teen drivers pay the highest rate in Desoto Lakes at $1215 per month.

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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.

Travelers provides the cheapest minimum car insurance coverage in Desoto Lakes. Their Average 6 Month Premium is $313. Farmers is the most expensive at $580 for the same period.

Cheapest Liability Coverage in Desoto Lakes, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$313	$53
State Farm	$340	$57
Mercury	$377	$63
Nationwide	$418	$71
MetLife	$439	$73
AIG	$491	$84
Progressive	$617	$104
United Automobile Ins Group	$633	$107
UAIC	$685	$114
Allstate	$784	$132
Patrons Insurance	$110	$18
Farmers	$580	$97

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 $143 per month and $852 for six months.

Cheapest Full Coverage Car Insurance Quotes in Desoto Lakes, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$852	$143
State Farm	$951	$160
Nationwide	$1040	$175
Progressive	$1103	$186
United Automobile Ins Group	$1202	$201
UAIC	$1317	$224
Allstate	$2148	$358
Mercury	$2269	$385
MetLife	$1323	$225
Farmers	$2101	$350

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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 $79 per month. At $7146 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$476	$79
AIG	$643	$109
Travelers	$1401	$236
State Farm	$1683	$283
UAIC	$2242	$378
United Automobile Ins Group	$2964	$504
Allstate	$3659	$616
Progressive	$4710	$793
Mercury	$5572	$938
Farmers	$7146	$1215

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 $569 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 $2907 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$569	$97
Mercury	$622	$104
Direct General Insurance	$649	$110
UAIC	$1260	$210
Travelers	$1380	$232
Progressive	$2425	$404
Allstate	$4255	$723
State Farm	$4354	$726
Farmers	$2907	$495

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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 $601 and $768, respectively. Farmers is an expensive provider with an average six-month premium of $2932.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$601	$100
AIG	$768	$130
State Farm	$894	$150
Travelers	$910	$153
United Automobile Ins Group	$1563	$260
Mercury	$1615	$272
UAIC	$1636	$273
Progressive	$2143	$361
Allstate	$3816	$642
Farmers	$2932	$488

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 $826 for a six month policy. While the rate increases by $251 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	$1605	$268
One Med/PIP claim	$1605	$273
Not-at-fault accident	$1735	$290
Two Med/PIP claims	$1783	$303
One comp claim	$1808	$302
Child safety restraint	$1814	$308
Failure to wear a seat belt	$1814	$303
Driving without lights	$1819	$309
Failure to show documents	$1819	$304
Speeding 6 - 10 MPH over limit	$1856	$316
Improper passing	$1861	$310
Passing school bus	$1861	$317
Wrong way/wrong lane	$1861	$310
Failure to stop at a red light	$1866	$318
Failure to yield	$1866	$311
Illegal turn	$1866	$318
Cell phone violation	$1872	$312
Driving with expired registration	$1872	$319
Following too closely	$1872	$312
Texting while driving	$1876	$319
Two comp claims	$1918	$319
Driving too slowly	$1929	$328
Speeding in school zone	$1929	$321
Speeding 11 - 15 MPH over limit	$1934	$329
In 65 MPH zone	$2002	$334
Speeding 16 - 20 MPH over limit	$2002	$341
Speeding 21 - 25 MPH over limit	$2013	$335
Open container	$2034	$346
Operating a vehicle without permission	$2034	$339
At-fault accident - less than $1000	$2206	$375
At-fault accident - $1000-$2000	$2242	$374
At-fault accident - greater than $2000	$2242	$381
Racing	$2425	$404
DUI	$2431	$414
Refusal to submit to a chemical test	$2431	$405
Driving with a suspended license	$2473	$421
Reckless driving	$2525	$421
Leaving scene of an accident/hit and run	$2551	$434

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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 $565 for a six-month policy. However, it can be as expensive as $2389 with companies like Farmers.

Desoto Lakes car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$565	$96
Travelers	$925	$156
Progressive	$1061	$179
State Farm	$1275	$215
Allstate	$1725	$290
UAIC	$2217	$370
Farmers	$2389	$398

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 $491. However, it can be as expensive as $2551 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	$491	$82
State Farm	$622	$105
Travelers	$706	$119
Allstate	$1851	$312
UAIC	$2023	$337
Progressive	$2478	$422
Farmers	$2551	$434

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 dipped by $225 in January compared to $243 of December. In other words, there has been an decrease by $18 when you compare January and December.

The average cost of liability insurance in the Desoto Lakes dipped to $73 in January, compared to $74 in December. This represents an decrease of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Desoto Lakes?

The car insurance in Desoto Lakes is $53 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 $143 per month for full coverage.

How much is car insurance in Desoto Lakes for teenagers?

Car insurance for teenagers costs $476 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 $1625 for a six-month policy. It will cost around $240 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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