Cheapest Car Insurance Quotes in Istachatta

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Istachatta Car Insurance

^$ 22

/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 Istachatta

The car insurance rate in Istachatta is $1665 for a six-month policy, which is $64 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1063, making it a popular choice for budget-conscious drivers. Rates in Istachatta 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 Istachatta

$1665

Avg. Car Insurance in Florida

$1601

National Average

$1140

Cheapest Car Insurance Companies in Istachatta

1st place: Travelers

At $1063 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 $1130 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1316 for six months, making it the third cheapest auto insurance company in Istachatta.

Istachatta Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Istachatta, FL is Travelers, offering policies at just $1063 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1130.

At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $994 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Istachatta drivers find the best deals.

Cheap Car Insurance Companies in Istachatta, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1063	$179
State Farm	$1130	$190
Nationwide	$1316	$222
United Automobile Ins Group	$1421	$237
Progressive	$1483	$250
UAIC	$1483	$248
MetLife	$1563	$266
Farmers	$2484	$414
Mercury	$2681	$456
Allstate	$2700	$454
Metropolitan Group	$994	$165

Key Takeaways

Way's key takeaways about car insurance in Istachatta

The auto insurance costs in Istachatta fall around $1063 for six months.
The cheapest auto insurance company in Istachatta is Patrons Insurance.
Teen drivers pay the highest rate in Istachatta at $1436 per month.

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Cheapest Minimum Liability Car Insurance in Istachatta

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 Istachatta are given below.

Patrons Insurance provides the cheapest minimum car insurance coverage in Istachatta. Their Average 6 Month Premium is $130. Metropolitan Group is the most expensive at $395 for the same period.

Cheapest Liability Coverage in Istachatta, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$130	$22
Travelers	$395	$67
State Farm	$420	$71
Mercury	$445	$75
Nationwide	$494	$84
Farmers	$685	$114
AIG	$698	$119
Progressive	$729	$123
United Automobile Ins Group	$748	$127
UAIC	$809	$135
Allstate	$933	$157
Metropolitan Group	$395	$66

Cheapest Full Coverage Car Insurance in Istachatta

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 Istachatta is Travelers at $179 per month and $1063 for six months.

Cheapest Full Coverage Car Insurance Quotes in Istachatta, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1063	$179
State Farm	$1130	$190
Nationwide	$1316	$222
United Automobile Ins Group	$1421	$237
Progressive	$1483	$250
UAIC	$1483	$248
MetLife	$1563	$266
Farmers	$2484	$414
Mercury	$2681	$456
Allstate	$2700	$454
Metropolitan Group	$994	$165

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Average Car Insurance in Istachatta 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 Istachatta, FL increasing?

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

Car Insurance Premiums by Age in Istachatta

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	$1349
40s	Travelers	$1018
50s	Travelers	$950
60s	Travelers	$936

Cheapest Car Insurance Rates for Teen Drivers in Istachatta,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Istachatta at $94 per month. At $8445 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$563	$94
AIG	$760	$129
Travelers	$1723	$290
State Farm	$2267	$382
UAIC	$3373	$563
United Automobile Ins Group	$3503	$596
Allstate	$5312	$894
Mercury	$6585	$1109
Progressive	$7037	$1185
Farmers	$8445	$1436

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 Istachatta.

As young drivers face the highest rates in Istachatta, Travelers offers the cheapest auto insurance rates at $1349 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 Istachatta, Nationwide is the cheapest car insurance provider. At $673 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 Istachatta is Allstate, offering rates of around $5400 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$673	$114
Mercury	$735	$123
Direct General Insurance	$766	$130
Travelers	$1458	$245
UAIC	$1483	$252
Progressive	$2866	$477
Farmers	$3435	$584
State Farm	$5146	$858
Allstate	$5400	$918

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Car Insurance Rates with An Accident in Istachatta

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

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

The cheapest car insurance companies after an at-fault accident in Istachatta include Nationwide and AIG, offering $710 and $908, respectively. National General is an expensive provider with an average six-month premium of $1099.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$710	$119
AIG	$908	$154
Travelers	$1025	$173
State Farm	$1057	$178
United Automobile Ins Group	$1847	$308
Mercury	$1908	$321
UAIC	$1933	$322
Progressive	$2532	$426
Farmers	$3465	$577
Allstate	$4688	$789
National General	$1099	$187

Istachatta Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Istachatta FL. For example, the car insurance in Istachatta after a DUI increases to $975 for a six month policy. While the rate increases by $296 for a six-month policy in the case of a speeding ticket.

Istachatta auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1897	$316
One Med/PIP claim	$1897	$322
Not-at-fault accident	$2051	$342
Two Med/PIP claims	$2107	$358
One comp claim	$2137	$357
Child safety restraint	$2143	$364
Failure to wear a seat belt	$2143	$358
Driving without lights	$2150	$365
Failure to show documents	$2150	$359
Speeding 6 - 10 MPH over limit	$2193	$373
Improper passing	$2200	$366
Passing school bus	$2200	$374
Wrong way/wrong lane	$2200	$366
Failure to stop at a red light	$2206	$375
Failure to yield	$2206	$367
Illegal turn	$2206	$375
Cell phone violation	$2212	$368
Driving with expired registration	$2212	$376
Following too closely	$2212	$368
Texting while driving	$2217	$378
Two comp claims	$2267	$378
Driving too slowly	$2280	$388
Speeding in school zone	$2280	$380
Speeding 11 - 15 MPH over limit	$2286	$389
In 65 MPH zone	$2366	$394
Speeding 16 - 20 MPH over limit	$2366	$402
Speeding 21 - 25 MPH over limit	$2378	$396
Open container	$2403	$409
Operating a vehicle without permission	$2403	$400
At-fault accident - less than $1000	$2607	$443
At-fault accident - $1000-$2000	$2650	$442
At-fault accident - greater than $2000	$2650	$450
Racing	$2866	$477
DUI	$2872	$489
Refusal to submit to a chemical test	$2872	$478
Driving with a suspended license	$2922	$497
Reckless driving	$2984	$497
Leaving scene of an accident/hit and run	$3015	$513

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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 Istachatta 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 Istachatta.

The cheapest car insurance premiums in Istachatta are offered by AIG at $668 for a six-month policy. However, it can be as expensive as $828 with companies like National General.

Istachatta car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$668	$111
Travelers	$1063	$179
State Farm	$1291	$217
Progressive	$1303	$219
Allstate	$2372	$399
UAIC	$2614	$444
Farmers	$2824	$470
National General	$828	$138

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 Istachatta are offered by Nationwide at $580. However, it can be as expensive as $3015 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Istachatta after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$580	$99
State Farm	$748	$126
Travelers	$895	$151
UAIC	$1483	$248
Allstate	$1699	$286
Progressive	$2452	$409
Farmers	$3015	$513

Car Insurance Price Trends in Istachatta, Florida

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

The average cost of full coverage in the Istachatta remained steady at $287 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Istachatta remained steady at $87 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 Istachatta?

The car insurance in Istachatta is $22 per month, which is lower than the national average.

What is the cheapest car insurance in Istachatta?

The cheapest car insurance in Istachatta is $179 per month for full coverage.

How much is car insurance in Istachatta for teenagers?

Car insurance for teenagers costs $563 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 Istachatta?

The average cost of car insurance is $1601 for a six-month policy. It will cost around $280 per month to insure your car in Istachatta.

Is car insurance expensive in Istachatta?

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

Cheapest Car Insurance Quotes in Istachatta

Why you can trust Way?

How Much Is Car Insurance in Istachatta

Avg. Car Insurance in Istachatta

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Istachatta

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Istachatta Car Insurance Rates by Company

Cheap Car Insurance Companies in Istachatta, FL

Way's key takeaways about car insurance in Istachatta

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Istachatta

Cheapest Liability Coverage in Istachatta, FL

Cheapest Full Coverage Car Insurance in Istachatta

Cheapest Full Coverage Car Insurance Quotes in Istachatta, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Istachatta by Rating Factor

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

Car Insurance Premiums by Age in Istachatta

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Istachatta,FL

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

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 Istachatta

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

Istachatta Car Insurance Rates by Violation

Istachatta auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Istachatta after a DUI

Istachatta car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Istachatta after Speeding ticket

Car Insurance Price Trends in Istachatta, Florida

Average Car Insurance Cost in Istachatta by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Istachatta, FL

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

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