Cheapest Car Insurance Quotes in Fort Meade

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Fort Meade 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 Fort Meade

The car insurance rate in Fort Meade is $1521 for a six-month policy, which is $80 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $971, making it a popular choice for budget-conscious drivers. Rates in Fort Meade 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 Fort Meade

$1521

Avg. Car Insurance in Florida

$1601

National Average

$1140

Cheapest Car Insurance Companies in Fort Meade

1st place: Travelers

At $971 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 $1033 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1202 for six months, making it the third cheapest auto insurance company in Fort Meade.

Fort Meade Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fort Meade, FL is Travelers, offering policies at just $971 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1033.

At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $908 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fort Meade drivers find the best deals.

Cheap Car Insurance Companies in Fort Meade, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$971	$163
State Farm	$1033	$174
Nationwide	$1202	$202
United Automobile Ins Group	$1298	$217
Progressive	$1355	$228
UAIC	$1355	$226
MetLife	$1428	$243
Farmers	$2269	$378
Mercury	$2449	$416
Allstate	$2466	$415
Metropolitan Group	$908	$151

Key Takeaways

Way's key takeaways about car insurance in Fort Meade

The auto insurance costs in Fort Meade fall around $971 for six months.
The cheapest auto insurance company in Fort Meade is Patrons Insurance.
Teen drivers pay the highest rate in Fort Meade at $1312 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 Fort Meade

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 Fort Meade are given below.

Patrons Insurance provides the cheapest minimum car insurance coverage in Fort Meade. Their Average 6 Month Premium is $119. Metropolitan Group is the most expensive at $361 for the same period.

Cheapest Liability Coverage in Fort Meade, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$119	$20
Travelers	$361	$61
State Farm	$384	$65
Mercury	$407	$68
Nationwide	$451	$77
Farmers	$626	$105
AIG	$637	$108
Progressive	$666	$112
United Automobile Ins Group	$683	$116
UAIC	$739	$124
Allstate	$852	$143
Metropolitan Group	$361	$60

Cheapest Full Coverage Car Insurance in Fort Meade

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 Fort Meade is Travelers at $163 per month and $971 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fort Meade, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$971	$163
State Farm	$1033	$174
Nationwide	$1202	$202
United Automobile Ins Group	$1298	$217
Progressive	$1355	$228
UAIC	$1355	$226
MetLife	$1428	$243
Farmers	$2269	$378
Mercury	$2449	$416
Allstate	$2466	$415
Metropolitan Group	$908	$151

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Average Car Insurance in Fort Meade 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 Fort Meade, FL increasing?

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

Car Insurance Premiums by Age in Fort Meade

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	$1232
40s	Travelers	$930
50s	Travelers	$867
60s	Travelers	$855

Cheapest Car Insurance Rates for Teen Drivers in Fort Meade,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Fort Meade at $86 per month. At $7714 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$514	$86
AIG	$694	$118
Travelers	$1574	$265
State Farm	$2071	$349
UAIC	$3081	$514
United Automobile Ins Group	$3200	$544
Allstate	$4853	$817
Mercury	$6015	$1013
Progressive	$6428	$1082
Farmers	$7714	$1312

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 Fort Meade.

As young drivers face the highest rates in Fort Meade, Travelers offers the cheapest auto insurance rates at $1232 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 Fort Meade, Nationwide is the cheapest car insurance provider. At $615 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 Fort Meade is Allstate, offering rates of around $4932 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$615	$105
Mercury	$672	$112
Direct General Insurance	$700	$119
Travelers	$1332	$224
UAIC	$1355	$230
Progressive	$2618	$436
Farmers	$3138	$534
State Farm	$4701	$784
Allstate	$4932	$839

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

Car Insurance Rates with An Accident in Fort Meade

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

Cheapest Car Insurance Companies after an At-Fault Accident in Fort Meade

The cheapest car insurance companies after an at-fault accident in Fort Meade include Nationwide and AIG, offering $649 and $829, respectively. National General is an expensive provider with an average six-month premium of $1004.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$649	$108
AIG	$829	$141
Travelers	$937	$158
State Farm	$965	$162
United Automobile Ins Group	$1687	$281
Mercury	$1743	$294
UAIC	$1766	$295
Progressive	$2313	$390
Farmers	$3165	$527
Allstate	$4283	$721
National General	$1004	$171

Fort Meade Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fort Meade FL. For example, the car insurance in Fort Meade after a DUI increases to $891 for a six month policy. While the rate increases by $271 for a six-month policy in the case of a speeding ticket.

Fort Meade auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1733	$289
One Med/PIP claim	$1733	$295
Not-at-fault accident	$1873	$313
Two Med/PIP claims	$1925	$327
One comp claim	$1952	$326
Child safety restraint	$1958	$333
Failure to wear a seat belt	$1958	$327
Driving without lights	$1964	$333
Failure to show documents	$1964	$328
Speeding 6 - 10 MPH over limit	$2004	$341
Improper passing	$2009	$334
Passing school bus	$2009	$342
Wrong way/wrong lane	$2009	$334
Failure to stop at a red light	$2015	$343
Failure to yield	$2015	$335
Illegal turn	$2015	$343
Cell phone violation	$2021	$336
Driving with expired registration	$2021	$344
Following too closely	$2021	$336
Texting while driving	$2025	$345
Two comp claims	$2071	$345
Driving too slowly	$2082	$354
Speeding in school zone	$2082	$347
Speeding 11 - 15 MPH over limit	$2088	$355
In 65 MPH zone	$2161	$360
Speeding 16 - 20 MPH over limit	$2161	$368
Speeding 21 - 25 MPH over limit	$2173	$362
Open container	$2195	$373
Operating a vehicle without permission	$2195	$366
At-fault accident - less than $1000	$2382	$405
At-fault accident - $1000-$2000	$2421	$404
At-fault accident - greater than $2000	$2421	$411
Racing	$2618	$436
DUI	$2624	$447
Refusal to submit to a chemical test	$2624	$437
Driving with a suspended license	$2670	$454
Reckless driving	$2726	$454
Leaving scene of an accident/hit and run	$2754	$468

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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 Fort Meade 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 Fort Meade.

The cheapest car insurance premiums in Fort Meade are offered by AIG at $610 for a six-month policy. However, it can be as expensive as $756 with companies like National General.

Fort Meade car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$610	$102
Travelers	$971	$163
State Farm	$1179	$199
Progressive	$1190	$200
Allstate	$2167	$365
UAIC	$2387	$406
Farmers	$2579	$429
National General	$756	$126

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 Fort Meade are offered by Nationwide at $530. However, it can be as expensive as $2754 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Fort Meade after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$530	$90
State Farm	$683	$115
Travelers	$818	$138
UAIC	$1355	$226
Allstate	$1552	$261
Progressive	$2240	$373
Farmers	$2754	$468

Car Insurance Price Trends in Fort Meade, Florida

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

The average cost of full coverage in the Fort Meade remained steady at $262 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Fort Meade remained steady at $80 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 Fort Meade?

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

What is the cheapest car insurance in Fort Meade?

The cheapest car insurance in Fort Meade is $163 per month for full coverage.

How much is car insurance in Fort Meade for teenagers?

Car insurance for teenagers costs $514 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 Fort Meade?

The average cost of car insurance is $1601 for a six-month policy. It will cost around $256 per month to insure your car in Fort Meade.

Is car insurance expensive in Fort Meade?

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

Cheapest Car Insurance Quotes in Fort Meade

Why you can trust Way?

How Much Is Car Insurance in Fort Meade

Avg. Car Insurance in Fort Meade

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Fort Meade

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Fort Meade Car Insurance Rates by Company

Cheap Car Insurance Companies in Fort Meade, FL

Way's key takeaways about car insurance in Fort Meade

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Fort Meade

Cheapest Liability Coverage in Fort Meade, FL

Cheapest Full Coverage Car Insurance in Fort Meade

Cheapest Full Coverage Car Insurance Quotes in Fort Meade, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Fort Meade by Rating Factor

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

Car Insurance Premiums by Age in Fort Meade

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Fort Meade,FL

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

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 Fort Meade

Cheapest Car Insurance Companies after an At-Fault Accident in Fort Meade

Fort Meade Car Insurance Rates by Violation

Fort Meade auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Fort Meade after a DUI

Fort Meade car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Fort Meade after Speeding ticket

Car Insurance Price Trends in Fort Meade, Florida

Average Car Insurance Cost in Fort Meade by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Fort Meade, FL

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

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