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Cheapest Car Insurance Quotes in Holden Heights

  • Finding the cheapest car insurance quotes in Holden Heights 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.
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399,755 Policies Sold
Holden Heights Car Insurance
$ 27

/mo

Sara Sam
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.

How Much Is Car Insurance in Holden Heights

The car insurance rate in Holden Heights is $2033 for a six-month policy, which is $432 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1298, making it a popular choice for budget-conscious drivers. Rates in Holden Heights 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 Holden Heights

$2033

National Average

$1140

Cheapest Car Insurance Companies in Holden Heights

1st place: Travelers

At $1298 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 $1380 for a six-month policy, making it one of the cheapest to insure with. 

3rd place: Nationwide

Nationwide offers auto insurance rates at $1607 for six months, making it the third cheapest auto insurance company in Holden Heights.

Holden Heights Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Holden Heights, FL is Travelers, offering policies at just $1298 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1380.

At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $1214 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Holden Heights drivers find the best deals.

Cheap Car Insurance Companies in Holden Heights, FL

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Travelers $1298 $218
State Farm $1380 $232
Nationwide $1607 $271
United Automobile Ins Group $1735 $290
Progressive $1811 $305
UAIC $1811 $302
MetLife $1909 $325
Farmers $3033 $505
Mercury $3274 $556
Allstate $3297 $555
Metropolitan Group $1214 $202
Key Takeaways

Way's key takeaways about car insurance in Holden Heights

  • The auto insurance costs in Holden Heights fall around $1298 for six months. 
  • The cheapest auto insurance company in Holden Heights is Patrons Insurance.
  • Teen drivers pay the highest rate in Holden Heights at $1754 per month.

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Cheapest Minimum Liability Car Insurance in Holden Heights

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 Holden Heights are given below. 

Patrons Insurance provides the cheapest minimum car insurance coverage in Holden Heights. Their Average 6 Month Premium is $159. Metropolitan Group is the most expensive at $483 for the same period. 

Cheapest Liability Coverage in Holden Heights, FL

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Patrons Insurance $159 $27
Travelers $483 $81
State Farm $513 $86
Mercury $544 $91
Nationwide $603 $103
Farmers $837 $140
AIG $852 $145
Progressive $890 $150
United Automobile Ins Group $913 $155
UAIC $988 $165
Allstate $1139 $192
Metropolitan Group $483 $80

Cheapest Full Coverage Car Insurance in Holden Heights

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 Holden Heights is Travelers at $218 per month and $1298 for six months. 

Cheapest Full Coverage Car Insurance Quotes in Holden Heights, FL

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Travelers $1298 $218
State Farm $1380 $232
Nationwide $1607 $271
United Automobile Ins Group $1735 $290
Progressive $1811 $305
UAIC $1811 $302
MetLife $1909 $325
Farmers $3033 $505
Mercury $3274 $556
Allstate $3297 $555
Metropolitan Group $1214 $202

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Average Car Insurance in Holden Heights 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 Holden Heights, FL increasing?

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

Car Insurance Premiums by Age in Holden Heights

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 $1647
40s Travelers $1243
50s Travelers $1160
60s Travelers $1143

Cheapest Car Insurance Rates for Teen Drivers in Holden Heights,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Holden Heights at $114 per month. At $10312 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Nationwide $687 $114
AIG $928 $157
Travelers $2104 $354
State Farm $2769 $466
UAIC $4119 $687
United Automobile Ins Group $4277 $728
Allstate $6487 $1092
Mercury $8042 $1354
Progressive $8593 $1447
Farmers $10312 $1754

Teen Car Insurance Rates in FL by Age

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Way Tip

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

As young drivers face the highest rates in Holden Heights, Travelers offers the cheapest auto insurance rates at $1647 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 Holden Heights, Nationwide is the cheapest car insurance provider. At $822 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 Holden Heights is Allstate, offering rates of around $6594 for six months. 

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Nationwide $822 $140
Mercury $898 $150
Direct General Insurance $936 $159
Travelers $1781 $300
UAIC $1811 $307
Progressive $3500 $583
Farmers $4195 $714
State Farm $6284 $1048
Allstate $6594 $1121

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Car Insurance Rates with An Accident in Holden Heights

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

Cheapest Car Insurance Companies after an At-Fault Accident in Holden Heights

The cheapest car insurance companies after an at-fault accident in Holden Heights include Nationwide and AIG, offering $867 and $1109, respectively. National General is an expensive provider with an average six-month premium of $1342.

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Nationwide $867 $145
AIG $1109 $188
Travelers $1252 $211
State Farm $1290 $217
United Automobile Ins Group $2256 $376
Mercury $2330 $392
UAIC $2361 $394
Progressive $3092 $521
Farmers $4232 $705
Allstate $5725 $964
National General $1342 $229

Holden Heights Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Holden Heights FL. For example, the car insurance in Holden Heights after a DUI increases to $1192 for a six month policy. While the rate increases by $362 for a six-month policy in the case of a speeding ticket.  

Holden Heights auto insurance quotes by violations

Accident/Violation Avg. 6 Mo Premium Avg. Monthly Premium
None $2316 $386
One Med/PIP claim $2316 $394
Not-at-fault accident $2504 $418
Two Med/PIP claims $2573 $437
One comp claim $2610 $436
Child safety restraint $2617 $445
Failure to wear a seat belt $2617 $437
Driving without lights $2625 $446
Failure to show documents $2625 $438
Speeding 6 - 10 MPH over limit $2678 $456
Improper passing $2686 $447
Passing school bus $2686 $457
Wrong way/wrong lane $2686 $447
Failure to stop at a red light $2694 $458
Failure to yield $2694 $448
Illegal turn $2694 $458
Cell phone violation $2701 $450
Driving with expired registration $2701 $460
Following too closely $2701 $450
Texting while driving $2708 $461
Two comp claims $2769 $461
Driving too slowly $2784 $474
Speeding in school zone $2784 $464
Speeding 11 - 15 MPH over limit $2791 $475
In 65 MPH zone $2889 $481
Speeding 16 - 20 MPH over limit $2889 $491
Speeding 21 - 25 MPH over limit $2904 $484
Open container $2935 $499
Operating a vehicle without permission $2935 $489
At-fault accident - less than $1000 $3184 $541
At-fault accident - $1000-$2000 $3236 $540
At-fault accident - greater than $2000 $3236 $550
Racing $3500 $583
DUI $3508 $597
Refusal to submit to a chemical test $3508 $584
Driving with a suspended license $3569 $607
Reckless driving $3644 $607
Leaving scene of an accident/hit and run $3682 $626

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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 Holden Heights 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 Holden Heights.

The cheapest car insurance premiums in Holden Heights are offered by AIG at $815 for a six-month policy. However, it can be as expensive as $1011 with companies like National General.

Holden Heights car insurance quotes with a DUI

Company Avg. 6 Mo. Premium Avg. Monthly Premium
AIG $815 $136
Travelers $1298 $218
State Farm $1576 $265
Progressive $1591 $268
Allstate $2897 $488
UAIC $3192 $542
Farmers $3448 $574
National General $1011 $169

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 Holden Heights are offered by Nationwide at $709. However, it can be as expensive as $3682 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Holden Heights after Speeding ticket

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Nationwide $709 $121
State Farm $913 $154
Travelers $1093 $184
UAIC $1811 $302
Allstate $2075 $349
Progressive $2995 $499
Farmers $3682 $626

Car Insurance Price Trends in Holden Heights, Florida

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

The average cost of full coverage in the Holden Heights remained steady at $351 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Holden Heights remained steady at $107 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 Holden Heights?

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The car insurance in Holden Heights is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Holden Heights?

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The cheapest car insurance in Holden Heights is $218 per month for full coverage.

How much is car insurance in Holden Heights for teenagers?

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Car insurance for teenagers costs $687 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 Holden Heights?

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The average cost of car insurance is $1601 for a six-month policy. It will cost around $342 per month to insure your car in Holden Heights.

Is car insurance expensive in Holden Heights?

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

What is the best car insurance in Holden Heights, FL?

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The best car insurance company in Holden Heights FL is Travelers, offering $1298 for a six-month policy.

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