Cheapest Car Insurance Quotes in Desoto Lakes

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Desoto Lakes Car Insurance

^$ 19

/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 $1441 for a six-month policy, which is $160 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $920, 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

$1441

Avg. Car Insurance in Florida

$1601

National Average

$1140

Cheapest Car Insurance Companies in Desoto Lakes

1st place: Travelers

At $920 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 $978 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1139 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 $920 for a six-month term. This is followed by State Farm, which has an average six-month premium of $978.

At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $860 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	$920	$155
State Farm	$978	$165
Nationwide	$1139	$192
United Automobile Ins Group	$1229	$205
Progressive	$1283	$216
UAIC	$1283	$214
MetLife	$1353	$230
Farmers	$2149	$358
Mercury	$2320	$394
Allstate	$2336	$393
Metropolitan Group	$860	$143

Key Takeaways

Way's key takeaways about car insurance in Desoto Lakes

The auto insurance costs in Desoto Lakes fall around $920 for six months.
The cheapest auto insurance company in Desoto Lakes is Patrons Insurance.
Teen drivers pay the highest rate in Desoto Lakes at $1243 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.

Patrons Insurance provides the cheapest minimum car insurance coverage in Desoto Lakes. Their Average 6 Month Premium is $113. Metropolitan Group is the most expensive at $342 for the same period.

Cheapest Liability Coverage in Desoto Lakes, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$113	$19
Travelers	$342	$58
State Farm	$364	$61
Mercury	$385	$65
Nationwide	$428	$73
Farmers	$593	$99
AIG	$604	$103
Progressive	$631	$106
United Automobile Ins Group	$647	$110
UAIC	$700	$117
Allstate	$807	$136
Metropolitan Group	$342	$57

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 $155 per month and $920 for six months.

Cheapest Full Coverage Car Insurance Quotes in Desoto Lakes, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$920	$155
State Farm	$978	$165
Nationwide	$1139	$192
United Automobile Ins Group	$1229	$205
Progressive	$1283	$216
UAIC	$1283	$214
MetLife	$1353	$230
Farmers	$2149	$358
Mercury	$2320	$394
Allstate	$2336	$393
Metropolitan Group	$860	$143

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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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Travelers	$1167
40s	Travelers	$881
50s	Travelers	$822
60s	Travelers	$810

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 $81 per month. At $7308 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$487	$81
AIG	$658	$112
Travelers	$1491	$251
State Farm	$1962	$330
UAIC	$2919	$487
United Automobile Ins Group	$3031	$516
Allstate	$4597	$774
Mercury	$5699	$959
Progressive	$6089	$1025
Farmers	$7308	$1243

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 Desoto Lakes.

As young drivers face the highest rates in Desoto Lakes, Travelers offers the cheapest auto insurance rates at $1167 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 Desoto Lakes, Nationwide is the cheapest car insurance provider. At $582 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 Allstate, offering rates of around $4673 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$582	$99
Mercury	$636	$106
Direct General Insurance	$663	$113
Travelers	$1262	$212
UAIC	$1283	$218
Progressive	$2480	$413
Farmers	$2973	$506
State Farm	$4453	$743
Allstate	$4673	$795

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Desoto Lakes.

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 $615 and $786, respectively. National General is an expensive provider with an average six-month premium of $951.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$615	$103
AIG	$786	$133
Travelers	$887	$149
State Farm	$914	$154
United Automobile Ins Group	$1598	$266
Mercury	$1652	$278
UAIC	$1673	$279
Progressive	$2192	$369
Farmers	$2999	$500
Allstate	$4057	$683
National General	$951	$162

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 $844 for a six month policy. While the rate increases by $256 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	$1642	$274
One Med/PIP claim	$1642	$279
Not-at-fault accident	$1775	$296
Two Med/PIP claims	$1823	$310
One comp claim	$1850	$309
Child safety restraint	$1855	$315
Failure to wear a seat belt	$1855	$310
Driving without lights	$1860	$316
Failure to show documents	$1860	$311
Speeding 6 - 10 MPH over limit	$1898	$323
Improper passing	$1904	$317
Passing school bus	$1904	$324
Wrong way/wrong lane	$1904	$317
Failure to stop at a red light	$1909	$325
Failure to yield	$1909	$318
Illegal turn	$1909	$325
Cell phone violation	$1914	$319
Driving with expired registration	$1914	$326
Following too closely	$1914	$319
Texting while driving	$1919	$327
Two comp claims	$1962	$327
Driving too slowly	$1973	$336
Speeding in school zone	$1973	$329
Speeding 11 - 15 MPH over limit	$1978	$337
In 65 MPH zone	$2048	$341
Speeding 16 - 20 MPH over limit	$2048	$348
Speeding 21 - 25 MPH over limit	$2058	$343
Open container	$2080	$354
Operating a vehicle without permission	$2080	$347
At-fault accident - less than $1000	$2256	$383
At-fault accident - $1000-$2000	$2293	$383
At-fault accident - greater than $2000	$2293	$390
Racing	$2480	$413
DUI	$2486	$423
Refusal to submit to a chemical test	$2486	$414
Driving with a suspended license	$2529	$430
Reckless driving	$2582	$430
Leaving scene of an accident/hit and run	$2609	$444

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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 $578 for a six-month policy. However, it can be as expensive as $716 with companies like National General.

Desoto Lakes car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$578	$96
Travelers	$920	$155
State Farm	$1117	$188
Progressive	$1128	$190
Allstate	$2053	$346
UAIC	$2262	$384
Farmers	$2444	$407
National General	$716	$120

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 $502. However, it can be as expensive as $2609 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	$502	$86
State Farm	$647	$109
Travelers	$775	$131
UAIC	$1283	$214
Allstate	$1471	$248
Progressive	$2122	$354
Farmers	$2609	$444

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 remained steady at $248 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Desoto Lakes remained steady at $76 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 Desoto Lakes?

The car insurance in Desoto Lakes is $19 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 $155 per month for full coverage.

How much is car insurance in Desoto Lakes for teenagers?

Car insurance for teenagers costs $487 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 $1601 for a six-month policy. It will cost around $242 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 Travelers 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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