Cheapest Car Insurance Quotes in Key West

Cheapest Minimum Liability Car Insurance in Key West

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 Key West are given below. 

Patrons Insurance provides the cheapest minimum car insurance coverage in Key West. Their Average 6 Month Premium is $113. Metropolitan Group is the most expensive at $342 for the same period. 

Cheapest Liability Coverage in Key West, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$113	$19
Travelers	$342	$58
State Farm	$364	$61
Mercury	$385	$65
Nationwide	$428	$73
Farmers	$593	$99
AIG	$604	$103
Progressive	$631	$106
United Automobile Ins Group	$647	$110
UAIC	$700	$117
Allstate	$807	$136
Metropolitan Group	$342	$57

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Cheapest Full Coverage Car Insurance in Key West

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 Key West is Travelers at $155 per month and $920 for six months. 

Cheapest Full Coverage Car Insurance Quotes in Key West, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$920	$155
State Farm	$978	$165
Nationwide	$1139	$192
United Automobile Ins Group	$1229	$205
Progressive	$1283	$216
UAIC	$1283	$214
MetLife	$1353	$230
Farmers	$2149	$358
Mercury	$2320	$394
Allstate	$2336	$393
Metropolitan Group	$860	$143

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Car Insurance Premiums by Age in Key West

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	$1167
40s	Travelers	$881
50s	Travelers	$822
60s	Travelers	$810

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Key West Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Key West FL. For example, the car insurance in Key West after a DUI increases to $844 for a six month policy. While the rate increases by $256 for a six-month policy in the case of a speeding ticket.  

Key West auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1642	$274
One Med/PIP claim	$1642	$279
Not-at-fault accident	$1775	$296
Two Med/PIP claims	$1823	$310
One comp claim	$1850	$309
Child safety restraint	$1855	$315
Failure to wear a seat belt	$1855	$310
Driving without lights	$1860	$316
Failure to show documents	$1860	$311
Speeding 6 - 10 MPH over limit	$1898	$323
Improper passing	$1904	$317
Passing school bus	$1904	$324
Wrong way/wrong lane	$1904	$317
Failure to stop at a red light	$1909	$325
Failure to yield	$1909	$318
Illegal turn	$1909	$325
Cell phone violation	$1914	$319
Driving with expired registration	$1914	$326
Following too closely	$1914	$319
Texting while driving	$1919	$327
Two comp claims	$1962	$327
Driving too slowly	$1973	$336
Speeding in school zone	$1973	$329
Speeding 11 - 15 MPH over limit	$1978	$337
In 65 MPH zone	$2048	$341
Speeding 16 - 20 MPH over limit	$2048	$348
Speeding 21 - 25 MPH over limit	$2058	$343
Open container	$2080	$354
Operating a vehicle without permission	$2080	$347
At-fault accident - less than $1000	$2256	$383
At-fault accident - $1000-$2000	$2293	$383
At-fault accident - greater than $2000	$2293	$390
Racing	$2480	$413
DUI	$2486	$423
Refusal to submit to a chemical test	$2486	$414
Driving with a suspended license	$2529	$430
Reckless driving	$2582	$430
Leaving scene of an accident/hit and run	$2609	$444

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