Cheapest Car Insurance Quotes in Freeport

Finding the cheapest car insurance quotes in Freeport 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

Freeport Car Insurance

^$ 16

/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 Freeport

The car insurance rate in Freeport is $1217 for a six-month policy, which is $384 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $777, making it a popular choice for budget-conscious drivers. Rates in Freeport 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 Freeport

$1217

Avg. Car Insurance in Florida

$1601

National Average

$1140

Cheapest Car Insurance Companies in Freeport

1st place: Travelers

At $777 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 $826 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $961 for six months, making it the third cheapest auto insurance company in Freeport.

Freeport Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Freeport, FL is Travelers, offering policies at just $777 for a six-month term. This is followed by State Farm, which has an average six-month premium of $826.

At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $727 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Freeport drivers find the best deals.

Cheap Car Insurance Companies in Freeport, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$777	$131
State Farm	$826	$139
Nationwide	$961	$162
United Automobile Ins Group	$1038	$173
Progressive	$1084	$182
UAIC	$1084	$181
MetLife	$1142	$195
Farmers	$1815	$302
Mercury	$1959	$333
Allstate	$1973	$332
Metropolitan Group	$727	$121

Key Takeaways

Way's key takeaways about car insurance in Freeport

The auto insurance costs in Freeport fall around $777 for six months.
The cheapest auto insurance company in Freeport is Patrons Insurance.
Teen drivers pay the highest rate in Freeport at $1050 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 Freeport

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 Freeport are given below.

Patrons Insurance provides the cheapest minimum car insurance coverage in Freeport. Their Average 6 Month Premium is $95. Metropolitan Group is the most expensive at $289 for the same period.

Cheapest Liability Coverage in Freeport, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$95	$16
Travelers	$289	$49
State Farm	$307	$52
Mercury	$325	$55
Nationwide	$361	$62
Farmers	$501	$84
AIG	$510	$87
Progressive	$533	$90
United Automobile Ins Group	$546	$93
UAIC	$591	$99
Allstate	$682	$115
Metropolitan Group	$289	$48

Cheapest Full Coverage Car Insurance in Freeport

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 Freeport is Travelers at $131 per month and $777 for six months.

Cheapest Full Coverage Car Insurance Quotes in Freeport, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$777	$131
State Farm	$826	$139
Nationwide	$961	$162
United Automobile Ins Group	$1038	$173
Progressive	$1084	$182
UAIC	$1084	$181
MetLife	$1142	$195
Farmers	$1815	$302
Mercury	$1959	$333
Allstate	$1973	$332
Metropolitan Group	$727	$121

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Freeport Instantly!

Average Car Insurance in Freeport 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 Freeport, FL increasing?

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

Car Insurance Premiums by Age in Freeport

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	$986
40s	Travelers	$744
50s	Travelers	$694
60s	Travelers	$684

Cheapest Car Insurance Rates for Teen Drivers in Freeport,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Freeport at $68 per month. At $6171 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$411	$68
AIG	$556	$94
Travelers	$1259	$212
State Farm	$1657	$279
UAIC	$2465	$411
United Automobile Ins Group	$2560	$435
Allstate	$3882	$654
Mercury	$4812	$810
Progressive	$5142	$866
Farmers	$6171	$1050

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 Freeport.

As young drivers face the highest rates in Freeport, Travelers offers the cheapest auto insurance rates at $986 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 Freeport, Nationwide is the cheapest car insurance provider. At $492 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 Freeport is Allstate, offering rates of around $3946 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$492	$84
Mercury	$537	$90
Direct General Insurance	$560	$95
Travelers	$1066	$179
UAIC	$1084	$184
Progressive	$2095	$349
Farmers	$2510	$427
State Farm	$3760	$627
Allstate	$3946	$671

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Freeport

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

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

The cheapest car insurance companies after an at-fault accident in Freeport include Nationwide and AIG, offering $519 and $663, respectively. National General is an expensive provider with an average six-month premium of $803.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$519	$87
AIG	$663	$112
Travelers	$749	$126
State Farm	$772	$130
United Automobile Ins Group	$1350	$225
Mercury	$1395	$235
UAIC	$1413	$236
Progressive	$1851	$312
Farmers	$2532	$422
Allstate	$3426	$577
National General	$803	$137

Freeport Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Freeport FL. For example, the car insurance in Freeport after a DUI increases to $713 for a six month policy. While the rate increases by $217 for a six-month policy in the case of a speeding ticket.

Freeport auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1386	$231
One Med/PIP claim	$1386	$236
Not-at-fault accident	$1499	$250
Two Med/PIP claims	$1540	$261
One comp claim	$1562	$261
Child safety restraint	$1566	$266
Failure to wear a seat belt	$1566	$261
Driving without lights	$1571	$267
Failure to show documents	$1571	$262
Speeding 6 - 10 MPH over limit	$1603	$273
Improper passing	$1607	$268
Passing school bus	$1607	$274
Wrong way/wrong lane	$1607	$268
Failure to stop at a red light	$1612	$274
Failure to yield	$1612	$268
Illegal turn	$1612	$274
Cell phone violation	$1617	$269
Driving with expired registration	$1617	$275
Following too closely	$1617	$269
Texting while driving	$1620	$276
Two comp claims	$1657	$276
Driving too slowly	$1666	$283
Speeding in school zone	$1666	$277
Speeding 11 - 15 MPH over limit	$1670	$284
In 65 MPH zone	$1729	$288
Speeding 16 - 20 MPH over limit	$1729	$294
Speeding 21 - 25 MPH over limit	$1738	$290
Open container	$1756	$299
Operating a vehicle without permission	$1756	$293
At-fault accident - less than $1000	$1905	$324
At-fault accident - $1000-$2000	$1936	$323
At-fault accident - greater than $2000	$1936	$329
Racing	$2095	$349
DUI	$2099	$357
Refusal to submit to a chemical test	$2099	$350
Driving with a suspended license	$2136	$363
Reckless driving	$2180	$363
Leaving scene of an accident/hit and run	$2203	$375

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 Freeport 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 Freeport.

The cheapest car insurance premiums in Freeport are offered by AIG at $488 for a six-month policy. However, it can be as expensive as $605 with companies like National General.

Freeport car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$488	$81
Travelers	$777	$131
State Farm	$943	$159
Progressive	$952	$160
Allstate	$1734	$292
UAIC	$1910	$325
Farmers	$2063	$344
National General	$605	$101

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 Freeport are offered by Nationwide at $424. However, it can be as expensive as $2203 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Freeport after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$424	$72
State Farm	$546	$92
Travelers	$654	$110
UAIC	$1084	$181
Allstate	$1242	$209
Progressive	$1792	$299
Farmers	$2203	$375

Car Insurance Price Trends in Freeport, Florida

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

The average cost of full coverage in the Freeport remained steady at $210 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Freeport remained steady at $64 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

Frequently Asked Questions

How much is car insurance in Freeport?

The car insurance in Freeport is $16 per month, which is lower than the national average.

What is the cheapest car insurance in Freeport?

The cheapest car insurance in Freeport is $131 per month for full coverage.

How much is car insurance in Freeport for teenagers?

Car insurance for teenagers costs $411 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 Freeport?

The average cost of car insurance is $1601 for a six-month policy. It will cost around $204 per month to insure your car in Freeport.

Is car insurance expensive in Freeport?

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

Cheapest Car Insurance Quotes in Freeport

Why you can trust Way?

How Much Is Car Insurance in Freeport

Avg. Car Insurance in Freeport

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Freeport

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Freeport Car Insurance Rates by Company

Cheap Car Insurance Companies in Freeport, FL

Way's key takeaways about car insurance in Freeport

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Freeport

Cheapest Liability Coverage in Freeport, FL

Cheapest Full Coverage Car Insurance in Freeport

Cheapest Full Coverage Car Insurance Quotes in Freeport, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Freeport by Rating Factor

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

Car Insurance Premiums by Age in Freeport

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Freeport,FL

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

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 Freeport

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

Freeport Car Insurance Rates by Violation

Freeport auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Freeport after a DUI

Freeport car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Freeport after Speeding ticket

Car Insurance Price Trends in Freeport, Florida

Average Car Insurance Cost in Freeport by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Freeport, FL

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

Featured Blogs

Data Sources