Cheapest Car Insurance Quotes in Goulds

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406,175 Policies Sold

Goulds Car Insurance

^$ 79

/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 Goulds

The car insurance rate in Goulds is $2145 for a six-month policy, which is $520 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1278, making it a popular choice for budget-conscious drivers. Rates in Goulds 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 Goulds

$2145

Avg. Car Insurance in Florida

$1625

National Average

$1278

Cheapest Car Insurance Companies in Goulds

1st place: Travelers

At $1278 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 $1427 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1560 for six months, making it the third cheapest auto insurance company in Goulds.

Goulds Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Goulds, FL is Travelers, offering policies at just $1278 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1427.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $3152 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Goulds drivers find the best deals.

Cheap Car Insurance Companies in Goulds, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1278	$215
State Farm	$1427	$240
Nationwide	$1560	$263
Progressive	$1654	$279
United Automobile Ins Group	$1803	$301
UAIC	$1976	$337
Allstate	$3222	$537
Mercury	$3403	$578
MetLife	$1984	$338
Farmers	$3152	$525

Key Takeaways

Way's key takeaways about car insurance in Goulds

The auto insurance costs in Goulds fall around $1278 for six months.
The cheapest auto insurance company in Goulds is Travelers.
Teen drivers pay the highest rate in Goulds at $1823 per month.

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Cheapest Minimum Liability Car Insurance in Goulds

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 Goulds are given below.

Travelers provides the cheapest minimum car insurance coverage in Goulds. Their Average 6 Month Premium is $470. Farmers is the most expensive at $870 for the same period.

Cheapest Liability Coverage in Goulds, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$470	$79
State Farm	$510	$86
Mercury	$565	$95
Nationwide	$627	$107
MetLife	$659	$110
AIG	$737	$125
Progressive	$925	$156
United Automobile Ins Group	$949	$161
UAIC	$1027	$172
Allstate	$1176	$198
Patrons Insurance	$165	$28
Farmers	$870	$145

Cheapest Full Coverage Car Insurance in Goulds

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 Goulds is Travelers at $215 per month and $1278 for six months.

Cheapest Full Coverage Car Insurance Quotes in Goulds, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1278	$215
State Farm	$1427	$240
Nationwide	$1560	$263
Progressive	$1654	$279
United Automobile Ins Group	$1803	$301
UAIC	$1976	$337
Allstate	$3222	$537
Mercury	$3403	$578
MetLife	$1984	$338
Farmers	$3152	$525

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Average Car Insurance in Goulds 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 Goulds, FL increasing?

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

Car Insurance Premiums by Age in Goulds

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

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Cheapest Car Insurance Rates for Teen Drivers in Goulds,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Goulds at $119 per month. At $10718 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$714	$119
AIG	$965	$164
Travelers	$2101	$354
State Farm	$2525	$425
UAIC	$3363	$566
United Automobile Ins Group	$4446	$756
Allstate	$5489	$924
Progressive	$7065	$1189
Mercury	$8358	$1407
Farmers	$10718	$1823

Teen Car Insurance Rates in FL by Age

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 Goulds, Nationwide is the cheapest car insurance provider. At $854 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 Goulds is Farmers, offering rates of around $4360 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$854	$145
Mercury	$933	$156
Direct General Insurance	$973	$165
UAIC	$1890	$315
Travelers	$2070	$348
Progressive	$3638	$606
Allstate	$6382	$1085
State Farm	$6531	$1089
Farmers	$4360	$742

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Car Insurance Rates with An Accident in Goulds

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

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

The cheapest car insurance companies after an at-fault accident in Goulds include Nationwide and AIG, offering $902 and $1152, respectively. Farmers is an expensive provider with an average six-month premium of $4398.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$902	$150
AIG	$1152	$195
State Farm	$1341	$226
Travelers	$1365	$230
United Automobile Ins Group	$2344	$391
Mercury	$2422	$408
UAIC	$2454	$409
Progressive	$3214	$541
Allstate	$5724	$964
Farmers	$4398	$733

Goulds Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Goulds FL. For example, the car insurance in Goulds after a DUI increases to $1238 for a six month policy. While the rate increases by $376 for a six-month policy in the case of a speeding ticket.

Goulds auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2408	$401
One Med/PIP claim	$2408	$409
Not-at-fault accident	$2603	$434
Two Med/PIP claims	$2674	$454
One comp claim	$2713	$453
Child safety restraint	$2721	$462
Failure to wear a seat belt	$2721	$454
Driving without lights	$2728	$463
Failure to show documents	$2728	$455
Speeding 6 - 10 MPH over limit	$2784	$474
Improper passing	$2792	$465
Passing school bus	$2792	$475
Wrong way/wrong lane	$2792	$465
Failure to stop at a red light	$2800	$477
Failure to yield	$2800	$466
Illegal turn	$2800	$477
Cell phone violation	$2808	$467
Driving with expired registration	$2808	$478
Following too closely	$2808	$467
Texting while driving	$2814	$479
Two comp claims	$2878	$479
Driving too slowly	$2893	$492
Speeding in school zone	$2893	$482
Speeding 11 - 15 MPH over limit	$2901	$494
In 65 MPH zone	$3003	$500
Speeding 16 - 20 MPH over limit	$3003	$511
Speeding 21 - 25 MPH over limit	$3019	$503
Open container	$3051	$519
Operating a vehicle without permission	$3051	$508
At-fault accident - less than $1000	$3309	$562
At-fault accident - $1000-$2000	$3363	$561
At-fault accident - greater than $2000	$3363	$572
Racing	$3638	$606
DUI	$3646	$620
Refusal to submit to a chemical test	$3646	$607
Driving with a suspended license	$3709	$631
Reckless driving	$3787	$631
Leaving scene of an accident/hit and run	$3827	$651

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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 Goulds 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 Goulds.

The cheapest car insurance premiums in Goulds are offered by AIG at $847 for a six-month policy. However, it can be as expensive as $3584 with companies like Farmers.

Goulds car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$847	$144
Travelers	$1387	$234
Progressive	$1592	$268
State Farm	$1913	$322
Allstate	$2587	$436
UAIC	$3325	$554
Farmers	$3584	$597

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 Goulds are offered by Nationwide at $737. However, it can be as expensive as $3827 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Goulds after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$737	$123
State Farm	$933	$157
Travelers	$1059	$178
Allstate	$2776	$467
UAIC	$3035	$506
Progressive	$3717	$632
Farmers	$3827	$651

Car Insurance Price Trends in Goulds, Florida

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

The average cost of full coverage in the Goulds dipped by $338 in January compared to $364 of December. In other words, there has been an decrease by $26 when you compare January and December.

The average cost of liability insurance in the Goulds dipped to $110 in January, compared to $111 in December. This represents an decrease of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Goulds?

The car insurance in Goulds is $79 per month, which is lower than the national average.

What is the cheapest car insurance in Goulds?

The cheapest car insurance in Goulds is $215 per month for full coverage.

How much is car insurance in Goulds for teenagers?

Car insurance for teenagers costs $714 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 Goulds?

The average cost of car insurance is $1625 for a six-month policy. It will cost around $360 per month to insure your car in Goulds.

Is car insurance expensive in Goulds?

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

Cheapest Car Insurance Quotes in Goulds

Why you can trust Way?

How Much Is Car Insurance in Goulds

Avg. Car Insurance in Goulds

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Goulds

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Goulds Car Insurance Rates by Company

Cheap Car Insurance Companies in Goulds, FL

Way's key takeaways about car insurance in Goulds

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Goulds

Cheapest Liability Coverage in Goulds, FL

Cheapest Full Coverage Car Insurance in Goulds

Cheapest Full Coverage Car Insurance Quotes in Goulds, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Goulds by Rating Factor

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

Car Insurance Premiums by Age in Goulds

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Goulds,FL

If you are in your twenties N/A is the best choice for car insurance in Goulds.

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 Goulds

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

Goulds Car Insurance Rates by Violation

Goulds auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Goulds after a DUI

Goulds car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Goulds after Speeding ticket

Car Insurance Price Trends in Goulds, Florida

Average Car Insurance Cost in Goulds by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Goulds, FL

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

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