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Finding the cheapest car insurance quotes in Florahome 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.
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 Florahome
The car insurance rate in Florahome is $1457 for a six-month policy, which is $144 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $930, making it a popular choice for budget-conscious drivers. Rates in Florahome 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.
At $930 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 $989 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Nationwide
Nationwide offers auto insurance
rates at $1151
for six months, making it
the third cheapest auto insurance company in Florahome.
Florahome Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Florahome, FL is Travelers, offering policies at just $930 for a six-month term. This is followed by State Farm, which has an average six-month premium of $989.
At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $870 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Florahome drivers find the best deals.
Way's key takeaways about car insurance in Florahome
The auto insurance costs in Florahome fall around $930 for six
months.
The cheapest auto insurance company in Florahome is Patrons Insurance.
Teen drivers pay the highest rate in Florahome at $1257 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 Florahome
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 Florahome are given below.
Patrons Insurance provides
the cheapest minimum car insurance
coverage in Florahome. Their Average 6 Month Premium is $114.
Metropolitan Group is the most
expensive at $346 for the same
period.
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 Florahome is Travelers
at $157 per month and $930
for six months.
Cheapest Full Coverage Car Insurance Quotes in Florahome,
FL
Get Your Car Insurance Quote in Florahome
Instantly!
Average Car Insurance in Florahome 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 Florahome, FL increasing?
Despite maintaining a clean driving record, your car insurance rates
in Florahome, 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, Florahome's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Florahome
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
$1180
40s
Travelers
$891
50s
Travelers
$831
60s
Travelers
$819
Cheapest Car Insurance Rates for Teen Drivers in
Florahome,FL
If you are planning to get a car insurance policy for your teenage
dependent, Nationwide provides the cheapest car
insurance in the Florahome at $82
per
month. At $7389 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties Travelers is
the best choice for car
insurance in Florahome.
As young drivers face the highest rates in Florahome, Travelers
offers the cheapest auto insurance rates at $1180 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 Florahome,
Nationwide is
the cheapest car insurance provider. At $589 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
Florahome is Allstate, offering
rates of around $4725 for six
months.
Save up to $971/yr on car insurance rates in Florahome.
Car Insurance Rates with An Accident in Florahome
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 Florahome, FL,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Florahome
The cheapest car insurance companies after an at-fault accident in
Florahome include Nationwide
and AIG, offering $622
and $794,
respectively. National General is an expensive provider
with an average six-month premium of
$962.
Here is a list of driving violations that can increase your car
insurance rates in Florahome FL. For example, the car
insurance in Florahome
after a DUI increases to $853 for a six
month policy. While the rate increases by $259 for a six-month policy in the case of
a speeding ticket.
Florahome auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1660
$277
One Med/PIP claim
$1660
$282
Not-at-fault accident
$1795
$299
Two Med/PIP claims
$1844
$313
One comp claim
$1870
$312
Child safety restraint
$1876
$319
Failure to wear a seat belt
$1876
$313
Driving without lights
$1881
$319
Failure to show documents
$1881
$314
Speeding 6 - 10 MPH over limit
$1919
$327
Improper passing
$1925
$320
Passing school bus
$1925
$328
Wrong way/wrong lane
$1925
$320
Failure to stop at a red light
$1930
$329
Failure to yield
$1930
$321
Illegal turn
$1930
$329
Cell phone violation
$1936
$322
Driving with expired registration
$1936
$329
Following too closely
$1936
$322
Texting while driving
$1940
$330
Two comp claims
$1984
$330
Driving too slowly
$1995
$339
Speeding in school zone
$1995
$332
Speeding 11 - 15 MPH over limit
$2000
$340
In 65 MPH zone
$2070
$345
Speeding 16 - 20 MPH over limit
$2070
$352
Speeding 21 - 25 MPH over limit
$2081
$347
Open container
$2103
$358
Operating a vehicle without permission
$2103
$350
At-fault accident - less than $1000
$2281
$388
At-fault accident - $1000-$2000
$2319
$387
At-fault accident - greater than $2000
$2319
$394
Racing
$2508
$418
DUI
$2513
$428
Refusal to submit to a chemical test
$2513
$419
Driving with a suspended license
$2557
$435
Reckless driving
$2611
$435
Leaving scene of an accident/hit and run
$2638
$449
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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 Florahome 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 Florahome.
The cheapest car insurance premiums in
Florahome are
offered by AIG at $584 for a six-month policy.
However, it can be as
expensive as $724 with companies
like National General.
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 Florahome are offered by Nationwide
at $508. However,
it can be as expensive as $2638
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Florahome after Speeding ticket
Car insurance rates in Florahome have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Florahome remained steady at $251 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Florahome remained steady at $76 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Florahome 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
Florahome. At $2913 for a
six-month policy, insuring
your car at 32140 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Florahome?
The car insurance in Florahome is $19 per month, which is lower than the national average.
What is the cheapest car insurance in Florahome?
The cheapest car insurance in Florahome
is $157 per month
for full coverage.
How much is car insurance in Florahome for teenagers?
Car insurance for teenagers costs $492 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
Florahome?
The average cost of car insurance is $1601 for a six-month
policy. It will cost around $245 per month to insure your
car in Florahome.
Is car insurance expensive in Florahome?
Car insurance can be expensive in Florahome if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Florahome can be
affordable.
What is the best car insurance in Florahome,
FL?
The best car insurance company in Florahome
FL is
Travelers, offering $930 for a
six-month policy.
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Florahome Car Insurance
