Cheapest Car Insurance Quotes in Dunnellon

Finding the cheapest car insurance quotes in Dunnellon 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.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Dunnellon Car Insurance

^$ 18

/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 Dunnellon

The car insurance rate in Dunnellon is $1361 for a six-month policy, which is $240 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $869, making it a popular choice for budget-conscious drivers. Rates in Dunnellon 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 Dunnellon

$1361

Avg. Car Insurance in Florida

$1601

National Average

$1140

Cheapest Car Insurance Companies in Dunnellon

1st place: Travelers

At $869 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 $924 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1075 for six months, making it the third cheapest auto insurance company in Dunnellon.

Dunnellon Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Dunnellon, FL is Travelers, offering policies at just $869 for a six-month term. This is followed by State Farm, which has an average six-month premium of $924.

At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $813 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Dunnellon drivers find the best deals.

Cheap Car Insurance Companies in Dunnellon, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$869	$146
State Farm	$924	$156
Nationwide	$1075	$181
United Automobile Ins Group	$1161	$194
Progressive	$1212	$204
UAIC	$1212	$202
MetLife	$1278	$218
Farmers	$2030	$338
Mercury	$2191	$372
Allstate	$2207	$371
Metropolitan Group	$813	$135

Key Takeaways

Way's key takeaways about car insurance in Dunnellon

The auto insurance costs in Dunnellon fall around $869 for six months.
The cheapest auto insurance company in Dunnellon is Patrons Insurance.
Teen drivers pay the highest rate in Dunnellon at $1174 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 Dunnellon

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 Dunnellon are given below.

Patrons Insurance provides the cheapest minimum car insurance coverage in Dunnellon. Their Average 6 Month Premium is $106. Metropolitan Group is the most expensive at $323 for the same period.

Cheapest Liability Coverage in Dunnellon, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$106	$18
Travelers	$323	$54
State Farm	$343	$58
Mercury	$364	$61
Nationwide	$404	$69
Farmers	$560	$94
AIG	$570	$97
Progressive	$596	$100
United Automobile Ins Group	$611	$104
UAIC	$661	$111
Allstate	$762	$128
Metropolitan Group	$323	$54

Cheapest Full Coverage Car Insurance in Dunnellon

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 Dunnellon is Travelers at $146 per month and $869 for six months.

Cheapest Full Coverage Car Insurance Quotes in Dunnellon, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$869	$146
State Farm	$924	$156
Nationwide	$1075	$181
United Automobile Ins Group	$1161	$194
Progressive	$1212	$204
UAIC	$1212	$202
MetLife	$1278	$218
Farmers	$2030	$338
Mercury	$2191	$372
Allstate	$2207	$371
Metropolitan Group	$813	$135

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Dunnellon Instantly!

Average Car Insurance in Dunnellon 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 Dunnellon, FL increasing?

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

Car Insurance Premiums by Age in Dunnellon

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	$1102
40s	Travelers	$832
50s	Travelers	$776
60s	Travelers	$765

Cheapest Car Insurance Rates for Teen Drivers in Dunnellon,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Dunnellon at $77 per month. At $6902 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$460	$77
AIG	$621	$105
Travelers	$1408	$237
State Farm	$1853	$312
UAIC	$2757	$460
United Automobile Ins Group	$2863	$487
Allstate	$4342	$731
Mercury	$5382	$906
Progressive	$5751	$968
Farmers	$6902	$1174

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 Dunnellon.

As young drivers face the highest rates in Dunnellon, Travelers offers the cheapest auto insurance rates at $1102 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 Dunnellon, Nationwide is the cheapest car insurance provider. At $550 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 Dunnellon is Allstate, offering rates of around $4413 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$550	$94
Mercury	$601	$100
Direct General Insurance	$626	$106
Travelers	$1192	$201
UAIC	$1212	$206
Progressive	$2343	$390
Farmers	$2808	$478
State Farm	$4206	$701
Allstate	$4413	$751

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Dunnellon

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

Cheapest Car Insurance Companies after an At-Fault Accident in Dunnellon

The cheapest car insurance companies after an at-fault accident in Dunnellon include Nationwide and AIG, offering $581 and $742, respectively. National General is an expensive provider with an average six-month premium of $898.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$581	$97
AIG	$742	$126
Travelers	$838	$141
State Farm	$864	$145
United Automobile Ins Group	$1510	$252
Mercury	$1560	$263
UAIC	$1580	$264
Progressive	$2070	$349
Farmers	$2832	$472
Allstate	$3832	$645
National General	$898	$153

Dunnellon Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Dunnellon FL. For example, the car insurance in Dunnellon after a DUI increases to $798 for a six month policy. While the rate increases by $243 for a six-month policy in the case of a speeding ticket.

Dunnellon auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1550	$258
One Med/PIP claim	$1550	$264
Not-at-fault accident	$1676	$280
Two Med/PIP claims	$1722	$292
One comp claim	$1747	$292
Child safety restraint	$1752	$298
Failure to wear a seat belt	$1752	$292
Driving without lights	$1757	$298
Failure to show documents	$1757	$293
Speeding 6 - 10 MPH over limit	$1793	$305
Improper passing	$1798	$299
Passing school bus	$1798	$306
Wrong way/wrong lane	$1798	$299
Failure to stop at a red light	$1803	$307
Failure to yield	$1803	$300
Illegal turn	$1803	$307
Cell phone violation	$1808	$301
Driving with expired registration	$1808	$308
Following too closely	$1808	$301
Texting while driving	$1812	$309
Two comp claims	$1853	$309
Driving too slowly	$1863	$317
Speeding in school zone	$1863	$310
Speeding 11 - 15 MPH over limit	$1868	$318
In 65 MPH zone	$1934	$322
Speeding 16 - 20 MPH over limit	$1934	$329
Speeding 21 - 25 MPH over limit	$1944	$324
Open container	$1964	$334
Operating a vehicle without permission	$1964	$327
At-fault accident - less than $1000	$2131	$362
At-fault accident - $1000-$2000	$2166	$361
At-fault accident - greater than $2000	$2166	$368
Racing	$2343	$390
DUI	$2348	$400
Refusal to submit to a chemical test	$2348	$391
Driving with a suspended license	$2389	$406
Reckless driving	$2439	$406
Leaving scene of an accident/hit and run	$2464	$419

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Dunnellon 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 Dunnellon.

The cheapest car insurance premiums in Dunnellon are offered by AIG at $546 for a six-month policy. However, it can be as expensive as $677 with companies like National General.

Dunnellon car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$546	$91
Travelers	$869	$146
State Farm	$1055	$178
Progressive	$1065	$179
Allstate	$1939	$326
UAIC	$2136	$363
Farmers	$2308	$384
National General	$677	$113

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 Dunnellon are offered by Nationwide at $474. However, it can be as expensive as $2464 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Dunnellon after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$474	$81
State Farm	$611	$103
Travelers	$732	$123
UAIC	$1212	$202
Allstate	$1389	$234
Progressive	$2004	$334
Farmers	$2464	$419

Car Insurance Price Trends in Dunnellon, Florida

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

The average cost of full coverage in the Dunnellon remained steady at $235 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Dunnellon remained steady at $71 in both December and November, indicating no change over the two month period.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Average Car Insurance Cost in Dunnellon 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 Dunnellon. At $1660 for a six-month policy, insuring your car at 34434 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
34434	$1660	$278
34433	$1605	$269
34432	$1837	$308
34431	$1660	$278

Frequently Asked Questions

How much is car insurance in Dunnellon?

The car insurance in Dunnellon is $18 per month, which is lower than the national average.

What is the cheapest car insurance in Dunnellon?

The cheapest car insurance in Dunnellon is $146 per month for full coverage.

How much is car insurance in Dunnellon for teenagers?

Car insurance for teenagers costs $460 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 Dunnellon?

The average cost of car insurance is $1601 for a six-month policy. It will cost around $229 per month to insure your car in Dunnellon.

Is car insurance expensive in Dunnellon?

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

Cheapest Car Insurance Quotes in Dunnellon

Why you can trust Way?

How Much Is Car Insurance in Dunnellon

Avg. Car Insurance in Dunnellon

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Dunnellon

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Dunnellon Car Insurance Rates by Company

Cheap Car Insurance Companies in Dunnellon, FL

Way's key takeaways about car insurance in Dunnellon

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Dunnellon

Cheapest Liability Coverage in Dunnellon, FL

Cheapest Full Coverage Car Insurance in Dunnellon

Cheapest Full Coverage Car Insurance Quotes in Dunnellon, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Dunnellon by Rating Factor

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

Car Insurance Premiums by Age in Dunnellon

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Dunnellon,FL

If you are in your twenties Travelers is the best choice for car insurance in Dunnellon.

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 Dunnellon

Cheapest Car Insurance Companies after an At-Fault Accident in Dunnellon

Dunnellon Car Insurance Rates by Violation

Dunnellon auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Dunnellon after a DUI

Dunnellon car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Dunnellon after Speeding ticket

Car Insurance Price Trends in Dunnellon, Florida

Average Car Insurance Cost in Dunnellon by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Dunnellon, FL

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

Featured Blogs

Data Sources