Cheapest Car Insurance Quotes in Doctor Phillips

Cheapest Minimum Liability Car Insurance in Doctor Phillips

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 Doctor Phillips are given below. 

Patrons Insurance provides the cheapest minimum car insurance coverage in Doctor Phillips. Their Average 6 Month Premium is $126. Allstate is the most expensive at $906 for the same period. 

Cheapest Liability Coverage in Doctor Phillips, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$126	$21
Travelers	$384	$65
State Farm	$408	$69
Mercury	$432	$73
Nationwide	$480	$82
Farmers	$666	$111
AIG	$678	$115
Progressive	$708	$119
United Automobile Ins Group	$726	$123
UAIC	$786	$131
Allstate	$906	$153

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Cheapest Full Coverage Car Insurance in Doctor Phillips

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 Doctor Phillips is Travelers at $174 per month and $1032 for six months. 

Cheapest Full Coverage Car Insurance Quotes in Doctor Phillips, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1032	$174
State Farm	$1098	$185
Nationwide	$1278	$215
United Automobile Ins Group	$1380	$230
Progressive	$1440	$242
UAIC	$1440	$240
MetLife	$1518	$259
Farmers	$2412	$402
Mercury	$2604	$442
Allstate	$2622	$441

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Car Insurance Premiums by Age in Doctor Phillips

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	$1310
40s	Travelers	$989
50s	Travelers	$922
60s	Travelers	$909

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Doctor Phillips Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Doctor Phillips FL. For example, the car insurance in Doctor Phillips after a DUI increases to $948 for a six month policy. While the rate increases by $288 for a six-month policy in the case of a speeding ticket.  

Doctor Phillips auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1842	$307
One Med/PIP claim	$1842	$313
Not-at-fault accident	$1992	$332
Two Med/PIP claims	$2046	$347
One comp claim	$2076	$346
Child safety restraint	$2082	$354
Failure to wear a seat belt	$2082	$347
Driving without lights	$2088	$355
Failure to show documents	$2088	$348
Speeding 6 - 10 MPH over limit	$2130	$363
Improper passing	$2136	$356
Passing school bus	$2136	$364
Wrong way/wrong lane	$2136	$356
Failure to stop at a red light	$2142	$365
Failure to yield	$2142	$357
Illegal turn	$2142	$365
Cell phone violation	$2148	$358
Driving with expired registration	$2148	$366
Following too closely	$2148	$358
Texting while driving	$2153	$367
Two comp claims	$2202	$367
Driving too slowly	$2214	$377
Speeding in school zone	$2214	$369
Speeding 11 - 15 MPH over limit	$2220	$378
In 65 MPH zone	$2298	$383
Speeding 16 - 20 MPH over limit	$2298	$391
Speeding 21 - 25 MPH over limit	$2310	$385
Open container	$2334	$397
Operating a vehicle without permission	$2334	$389
At-fault accident - less than $1000	$2532	$430
At-fault accident - $1000-$2000	$2573	$429
At-fault accident - greater than $2000	$2573	$437
Racing	$2784	$464
DUI	$2790	$475
Refusal to submit to a chemical test	$2790	$465
Driving with a suspended license	$2838	$483
Reckless driving	$2898	$483
Leaving scene of an accident/hit and run	$2928	$498

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