Cheapest Car Insurance Quotes in Lake Mystic

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Lake Mystic Car Insurance

^$ 17

/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 Lake Mystic

The car insurance rate in Lake Mystic is $1281 for a six-month policy, which is $320 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $818, making it a popular choice for budget-conscious drivers. Rates in Lake Mystic 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 Lake Mystic

$1281

Avg. Car Insurance in Florida

$1601

National Average

$1140

Cheapest Car Insurance Companies in Lake Mystic

1st place: Travelers

At $818 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 $870 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1012 for six months, making it the third cheapest auto insurance company in Lake Mystic.

Lake Mystic Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lake Mystic, FL is Travelers, offering policies at just $818 for a six-month term. This is followed by State Farm, which has an average six-month premium of $870.

At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $765 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lake Mystic drivers find the best deals.

Cheap Car Insurance Companies in Lake Mystic, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$818	$138
State Farm	$870	$146
Nationwide	$1012	$170
United Automobile Ins Group	$1093	$182
Progressive	$1141	$192
UAIC	$1141	$190
MetLife	$1202	$205
Farmers	$1910	$318
Mercury	$2062	$350
Allstate	$2077	$350
Metropolitan Group	$765	$127

Key Takeaways

Way's key takeaways about car insurance in Lake Mystic

The auto insurance costs in Lake Mystic fall around $818 for six months.
The cheapest auto insurance company in Lake Mystic is Patrons Insurance.
Teen drivers pay the highest rate in Lake Mystic at $1105 per month.

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Cheapest Minimum Liability Car Insurance in Lake Mystic

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 Lake Mystic are given below.

Patrons Insurance provides the cheapest minimum car insurance coverage in Lake Mystic. Their Average 6 Month Premium is $100. Metropolitan Group is the most expensive at $304 for the same period.

Cheapest Liability Coverage in Lake Mystic, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$100	$17
Travelers	$304	$51
State Farm	$323	$54
Mercury	$342	$58
Nationwide	$380	$65
Farmers	$527	$88
AIG	$537	$91
Progressive	$561	$94
United Automobile Ins Group	$575	$98
UAIC	$622	$104
Allstate	$718	$121
Metropolitan Group	$304	$50

Cheapest Full Coverage Car Insurance in Lake Mystic

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 Lake Mystic is Travelers at $138 per month and $818 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lake Mystic, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$818	$138
State Farm	$870	$146
Nationwide	$1012	$170
United Automobile Ins Group	$1093	$182
Progressive	$1141	$192
UAIC	$1141	$190
MetLife	$1202	$205
Farmers	$1910	$318
Mercury	$2062	$350
Allstate	$2077	$350
Metropolitan Group	$765	$127

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Average Car Insurance in Lake Mystic 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 Lake Mystic, FL increasing?

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

Car Insurance Premiums by Age in Lake Mystic

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	$1038
40s	Travelers	$783
50s	Travelers	$730
60s	Travelers	$720

Cheapest Car Insurance Rates for Teen Drivers in Lake Mystic,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Lake Mystic at $72 per month. At $6496 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$433	$72
AIG	$585	$99
Travelers	$1326	$223
State Farm	$1744	$294
UAIC	$2594	$433
United Automobile Ins Group	$2694	$458
Allstate	$4086	$688
Mercury	$5066	$853
Progressive	$5413	$911
Farmers	$6496	$1105

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 Lake Mystic.

As young drivers face the highest rates in Lake Mystic, Travelers offers the cheapest auto insurance rates at $1038 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 Lake Mystic, Nationwide is the cheapest car insurance provider. At $518 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 Lake Mystic is Allstate, offering rates of around $4154 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$518	$88
Mercury	$566	$94
Direct General Insurance	$590	$100
Travelers	$1122	$189
UAIC	$1141	$194
Progressive	$2205	$367
Farmers	$2642	$450
State Farm	$3958	$660
Allstate	$4154	$706

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Car Insurance Rates with An Accident in Lake Mystic

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

Cheapest Car Insurance Companies after an At-Fault Accident in Lake Mystic

The cheapest car insurance companies after an at-fault accident in Lake Mystic include Nationwide and AIG, offering $546 and $698, respectively. National General is an expensive provider with an average six-month premium of $846.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$546	$91
AIG	$698	$118
Travelers	$789	$133
State Farm	$813	$137
United Automobile Ins Group	$1421	$237
Mercury	$1468	$247
UAIC	$1487	$248
Progressive	$1948	$328
Farmers	$2666	$444
Allstate	$3606	$607
National General	$846	$144

Lake Mystic Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lake Mystic FL. For example, the car insurance in Lake Mystic after a DUI increases to $751 for a six month policy. While the rate increases by $228 for a six-month policy in the case of a speeding ticket.

Lake Mystic auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1459	$243
One Med/PIP claim	$1459	$248
Not-at-fault accident	$1578	$263
Two Med/PIP claims	$1621	$275
One comp claim	$1644	$274
Child safety restraint	$1649	$280
Failure to wear a seat belt	$1649	$275
Driving without lights	$1654	$281
Failure to show documents	$1654	$276
Speeding 6 - 10 MPH over limit	$1687	$287
Improper passing	$1692	$282
Passing school bus	$1692	$288
Wrong way/wrong lane	$1692	$282
Failure to stop at a red light	$1697	$289
Failure to yield	$1697	$282
Illegal turn	$1697	$289
Cell phone violation	$1702	$283
Driving with expired registration	$1702	$290
Following too closely	$1702	$283
Texting while driving	$1706	$290
Two comp claims	$1744	$290
Driving too slowly	$1754	$298
Speeding in school zone	$1754	$292
Speeding 11 - 15 MPH over limit	$1758	$299
In 65 MPH zone	$1820	$303
Speeding 16 - 20 MPH over limit	$1820	$310
Speeding 21 - 25 MPH over limit	$1830	$305
Open container	$1849	$314
Operating a vehicle without permission	$1849	$308
At-fault accident - less than $1000	$2006	$341
At-fault accident - $1000-$2000	$2038	$340
At-fault accident - greater than $2000	$2038	$346
Racing	$2205	$367
DUI	$2210	$376
Refusal to submit to a chemical test	$2210	$368
Driving with a suspended license	$2248	$382
Reckless driving	$2295	$382
Leaving scene of an accident/hit and run	$2319	$394

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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 Lake Mystic 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 Lake Mystic.

The cheapest car insurance premiums in Lake Mystic are offered by AIG at $514 for a six-month policy. However, it can be as expensive as $637 with companies like National General.

Lake Mystic car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$514	$86
Travelers	$818	$138
State Farm	$993	$167
Progressive	$1002	$169
Allstate	$1825	$307
UAIC	$2010	$342
Farmers	$2172	$362
National General	$637	$106

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 Lake Mystic are offered by Nationwide at $446. However, it can be as expensive as $2319 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Lake Mystic after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$446	$76
State Farm	$575	$97
Travelers	$689	$116
UAIC	$1141	$190
Allstate	$1307	$220
Progressive	$1886	$314
Farmers	$2319	$394

Car Insurance Price Trends in Lake Mystic, Florida

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

The average cost of full coverage in the Lake Mystic remained steady at $221 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Lake Mystic remained steady at $67 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 Lake Mystic?

The car insurance in Lake Mystic is $17 per month, which is lower than the national average.

What is the cheapest car insurance in Lake Mystic?

The cheapest car insurance in Lake Mystic is $138 per month for full coverage.

How much is car insurance in Lake Mystic for teenagers?

Car insurance for teenagers costs $433 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 Lake Mystic?

The average cost of car insurance is $1601 for a six-month policy. It will cost around $215 per month to insure your car in Lake Mystic.

Is car insurance expensive in Lake Mystic?

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

Cheapest Car Insurance Quotes in Lake Mystic

Why you can trust Way?

How Much Is Car Insurance in Lake Mystic

Avg. Car Insurance in Lake Mystic

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Lake Mystic

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Lake Mystic Car Insurance Rates by Company

Cheap Car Insurance Companies in Lake Mystic, FL

Way's key takeaways about car insurance in Lake Mystic

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lake Mystic

Cheapest Liability Coverage in Lake Mystic, FL

Cheapest Full Coverage Car Insurance in Lake Mystic

Cheapest Full Coverage Car Insurance Quotes in Lake Mystic, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lake Mystic by Rating Factor

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

Car Insurance Premiums by Age in Lake Mystic

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lake Mystic,FL

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

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 Lake Mystic

Cheapest Car Insurance Companies after an At-Fault Accident in Lake Mystic

Lake Mystic Car Insurance Rates by Violation

Lake Mystic auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lake Mystic after a DUI

Lake Mystic car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lake Mystic after Speeding ticket

Car Insurance Price Trends in Lake Mystic, Florida

Average Car Insurance Cost in Lake Mystic by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lake Mystic, FL

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

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