Cheapest Car Insurance Quotes in Fern Park

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Fern Park Car Insurance

^$ 20

/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 Fern Park

The car insurance rate in Fern Park is $1537 for a six-month policy, which is $64 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $981, making it a popular choice for budget-conscious drivers. Rates in Fern Park 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 Fern Park

$1537

Avg. Car Insurance in Florida

$1601

National Average

$1140

Cheapest Car Insurance Companies in Fern Park

1st place: Travelers

At $981 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 $1044 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1214 for six months, making it the third cheapest auto insurance company in Fern Park.

Fern Park Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fern Park, FL is Travelers, offering policies at just $981 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1044.

At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $918 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fern Park drivers find the best deals.

Cheap Car Insurance Companies in Fern Park, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$981	$165
State Farm	$1044	$176
Nationwide	$1214	$204
United Automobile Ins Group	$1311	$219
Progressive	$1369	$230
UAIC	$1369	$228
MetLife	$1443	$246
Farmers	$2292	$382
Mercury	$2475	$420
Allstate	$2492	$420
Metropolitan Group	$918	$153

Key Takeaways

Way's key takeaways about car insurance in Fern Park

The auto insurance costs in Fern Park fall around $981 for six months.
The cheapest auto insurance company in Fern Park is Patrons Insurance.
Teen drivers pay the highest rate in Fern Park at $1326 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 Fern Park

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 Fern Park are given below.

Patrons Insurance provides the cheapest minimum car insurance coverage in Fern Park. Their Average 6 Month Premium is $120. Metropolitan Group is the most expensive at $365 for the same period.

Cheapest Liability Coverage in Fern Park, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$120	$20
Travelers	$365	$61
State Farm	$388	$65
Mercury	$411	$69
Nationwide	$456	$78
Farmers	$633	$106
AIG	$644	$109
Progressive	$673	$113
United Automobile Ins Group	$690	$117
UAIC	$747	$125
Allstate	$861	$145
Metropolitan Group	$365	$60

Cheapest Full Coverage Car Insurance in Fern Park

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 Fern Park is Travelers at $165 per month and $981 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fern Park, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$981	$165
State Farm	$1044	$176
Nationwide	$1214	$204
United Automobile Ins Group	$1311	$219
Progressive	$1369	$230
UAIC	$1369	$228
MetLife	$1443	$246
Farmers	$2292	$382
Mercury	$2475	$420
Allstate	$2492	$420
Metropolitan Group	$918	$153

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Average Car Insurance in Fern Park 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 Fern Park, FL increasing?

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

Car Insurance Premiums by Age in Fern Park

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	$1245
40s	Travelers	$940
50s	Travelers	$876
60s	Travelers	$864

Cheapest Car Insurance Rates for Teen Drivers in Fern Park,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Fern Park at $86 per month. At $7795 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$519	$86
AIG	$702	$119
Travelers	$1591	$268
State Farm	$2093	$352
UAIC	$3113	$519
United Automobile Ins Group	$3233	$550
Allstate	$4904	$826
Mercury	$6079	$1023
Progressive	$6495	$1093
Farmers	$7795	$1326

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 Fern Park.

As young drivers face the highest rates in Fern Park, Travelers offers the cheapest auto insurance rates at $1245 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 Fern Park, Nationwide is the cheapest car insurance provider. At $621 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 Fern Park is Allstate, offering rates of around $4984 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$621	$106
Mercury	$679	$113
Direct General Insurance	$708	$120
Travelers	$1346	$227
UAIC	$1369	$232
Progressive	$2646	$441
Farmers	$3171	$540
State Farm	$4750	$792
Allstate	$4984	$848

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Car Insurance Rates with An Accident in Fern Park

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

Cheapest Car Insurance Companies after an At-Fault Accident in Fern Park

The cheapest car insurance companies after an at-fault accident in Fern Park include Nationwide and AIG, offering $656 and $838, respectively. National General is an expensive provider with an average six-month premium of $1015.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$656	$109
AIG	$838	$142
Travelers	$947	$159
State Farm	$975	$164
United Automobile Ins Group	$1705	$284
Mercury	$1762	$297
UAIC	$1785	$298
Progressive	$2338	$394
Farmers	$3199	$533
Allstate	$4328	$729
National General	$1015	$173

Fern Park Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fern Park FL. For example, the car insurance in Fern Park after a DUI increases to $901 for a six month policy. While the rate increases by $274 for a six-month policy in the case of a speeding ticket.

Fern Park auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1751	$292
One Med/PIP claim	$1751	$298
Not-at-fault accident	$1893	$316
Two Med/PIP claims	$1945	$330
One comp claim	$1973	$329
Child safety restraint	$1979	$336
Failure to wear a seat belt	$1979	$330
Driving without lights	$1984	$337
Failure to show documents	$1984	$331
Speeding 6 - 10 MPH over limit	$2025	$345
Improper passing	$2030	$338
Passing school bus	$2030	$346
Wrong way/wrong lane	$2030	$338
Failure to stop at a red light	$2036	$347
Failure to yield	$2036	$339
Illegal turn	$2036	$347
Cell phone violation	$2042	$340
Driving with expired registration	$2042	$348
Following too closely	$2042	$340
Texting while driving	$2047	$348
Two comp claims	$2093	$348
Driving too slowly	$2104	$358
Speeding in school zone	$2104	$350
Speeding 11 - 15 MPH over limit	$2110	$359
In 65 MPH zone	$2184	$364
Speeding 16 - 20 MPH over limit	$2184	$372
Speeding 21 - 25 MPH over limit	$2196	$366
Open container	$2219	$377
Operating a vehicle without permission	$2219	$370
At-fault accident - less than $1000	$2407	$409
At-fault accident - $1000-$2000	$2446	$408
At-fault accident - greater than $2000	$2446	$416
Racing	$2646	$441
DUI	$2652	$451
Refusal to submit to a chemical test	$2652	$442
Driving with a suspended license	$2698	$459
Reckless driving	$2754	$459
Leaving scene of an accident/hit and run	$2783	$473

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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 Fern Park 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 Fern Park.

The cheapest car insurance premiums in Fern Park are offered by AIG at $616 for a six-month policy. However, it can be as expensive as $764 with companies like National General.

Fern Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$616	$103
Travelers	$981	$165
State Farm	$1191	$201
Progressive	$1203	$203
Allstate	$2190	$369
UAIC	$2412	$410
Farmers	$2606	$434
National General	$764	$128

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 Fern Park are offered by Nationwide at $536. However, it can be as expensive as $2783 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Fern Park after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$536	$91
State Farm	$690	$116
Travelers	$827	$139
UAIC	$1369	$228
Allstate	$1569	$264
Progressive	$2264	$377
Farmers	$2783	$473

Car Insurance Price Trends in Fern Park, Florida

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

The average cost of full coverage in the Fern Park remained steady at $265 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Fern Park remained steady at $81 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 Fern Park?

The car insurance in Fern Park is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Fern Park?

The cheapest car insurance in Fern Park is $165 per month for full coverage.

How much is car insurance in Fern Park for teenagers?

Car insurance for teenagers costs $519 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 Fern Park?

The average cost of car insurance is $1601 for a six-month policy. It will cost around $258 per month to insure your car in Fern Park.

Is car insurance expensive in Fern Park?

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

Cheapest Car Insurance Quotes in Fern Park

Why you can trust Way?

How Much Is Car Insurance in Fern Park

Avg. Car Insurance in Fern Park

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Fern Park

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Fern Park Car Insurance Rates by Company

Cheap Car Insurance Companies in Fern Park, FL

Way's key takeaways about car insurance in Fern Park

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Fern Park

Cheapest Liability Coverage in Fern Park, FL

Cheapest Full Coverage Car Insurance in Fern Park

Cheapest Full Coverage Car Insurance Quotes in Fern Park, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Fern Park by Rating Factor

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

Car Insurance Premiums by Age in Fern Park

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Fern Park,FL

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

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 Fern Park

Cheapest Car Insurance Companies after an At-Fault Accident in Fern Park

Fern Park Car Insurance Rates by Violation

Fern Park auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Fern Park after a DUI

Fern Park car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Fern Park after Speeding ticket

Car Insurance Price Trends in Fern Park, Florida

Average Car Insurance Cost in Fern Park by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Fern Park, FL

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

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