Cheapest Car Insurance Quotes in Lochmoor Waterway Estates

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Lochmoor Waterway Estates Car Insurance

^$ 20

/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 Lochmoor Waterway Estates

The car insurance rate in Lochmoor Waterway Estates is $1489 for a six-month policy, which is $112 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $950, making it a popular choice for budget-conscious drivers. Rates in Lochmoor Waterway Estates 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 Lochmoor Waterway Estates

$1489

Avg. Car Insurance in Florida

$1601

National Average

$1140

Cheapest Car Insurance Companies in Lochmoor Waterway Estates

1st place: Travelers

At $950 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 $1011 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1176 for six months, making it the third cheapest auto insurance company in Lochmoor Waterway Estates.

Lochmoor Waterway Estates Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lochmoor Waterway Estates, FL is Travelers, offering policies at just $950 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1011.

At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $889 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lochmoor Waterway Estates drivers find the best deals.

Cheap Car Insurance Companies in Lochmoor Waterway Estates, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$950	$160
State Farm	$1011	$170
Nationwide	$1176	$198
United Automobile Ins Group	$1270	$212
Progressive	$1326	$223
UAIC	$1326	$221
MetLife	$1398	$238
Farmers	$2221	$370
Mercury	$2398	$407
Allstate	$2414	$406
Metropolitan Group	$889	$148

Key Takeaways

Way's key takeaways about car insurance in Lochmoor Waterway Estates

The auto insurance costs in Lochmoor Waterway Estates fall around $950 for six months.
The cheapest auto insurance company in Lochmoor Waterway Estates is Patrons Insurance.
Teen drivers pay the highest rate in Lochmoor Waterway Estates at $1284 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Lochmoor Waterway Estates

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 Lochmoor Waterway Estates are given below.

Patrons Insurance provides the cheapest minimum car insurance coverage in Lochmoor Waterway Estates. Their Average 6 Month Premium is $116. Metropolitan Group is the most expensive at $353 for the same period.

Cheapest Liability Coverage in Lochmoor Waterway Estates, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$116	$20
Travelers	$353	$60
State Farm	$376	$63
Mercury	$398	$67
Nationwide	$442	$75
Farmers	$613	$102
AIG	$624	$106
Progressive	$652	$110
United Automobile Ins Group	$669	$113
UAIC	$724	$121
Allstate	$834	$140
Metropolitan Group	$353	$59

Cheapest Full Coverage Car Insurance in Lochmoor Waterway Estates

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 Lochmoor Waterway Estates is Travelers at $160 per month and $950 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lochmoor Waterway Estates, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$950	$160
State Farm	$1011	$170
Nationwide	$1176	$198
United Automobile Ins Group	$1270	$212
Progressive	$1326	$223
UAIC	$1326	$221
MetLife	$1398	$238
Farmers	$2221	$370
Mercury	$2398	$407
Allstate	$2414	$406
Metropolitan Group	$889	$148

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Average Car Insurance in Lochmoor Waterway Estates 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 Lochmoor Waterway Estates, FL increasing?

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

Car Insurance Premiums by Age in Lochmoor Waterway Estates

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	$1206
40s	Travelers	$910
50s	Travelers	$849
60s	Travelers	$837

Cheapest Car Insurance Rates for Teen Drivers in Lochmoor Waterway Estates,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Lochmoor Waterway Estates at $84 per month. At $7552 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$503	$84
AIG	$680	$115
Travelers	$1541	$259
State Farm	$2027	$341
UAIC	$3016	$503
United Automobile Ins Group	$3132	$533
Allstate	$4750	$800
Mercury	$5889	$991
Progressive	$6292	$1059
Farmers	$7552	$1284

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 Lochmoor Waterway Estates.

As young drivers face the highest rates in Lochmoor Waterway Estates, Travelers offers the cheapest auto insurance rates at $1206 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 Lochmoor Waterway Estates, Nationwide is the cheapest car insurance provider. At $602 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 Lochmoor Waterway Estates is Allstate, offering rates of around $4829 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$602	$102
Mercury	$658	$110
Direct General Insurance	$685	$116
Travelers	$1304	$219
UAIC	$1326	$225
Progressive	$2563	$427
Farmers	$3072	$523
State Farm	$4602	$767
Allstate	$4829	$821

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Lochmoor Waterway Estates.

Car Insurance Rates with An Accident in Lochmoor Waterway Estates

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 Lochmoor Waterway Estates, FL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Lochmoor Waterway Estates

The cheapest car insurance companies after an at-fault accident in Lochmoor Waterway Estates include Nationwide and AIG, offering $635 and $812, respectively. National General is an expensive provider with an average six-month premium of $983.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$635	$106
AIG	$812	$138
Travelers	$917	$154
State Farm	$945	$159
United Automobile Ins Group	$1652	$275
Mercury	$1707	$287
UAIC	$1729	$288
Progressive	$2265	$381
Farmers	$3099	$516
Allstate	$4192	$706
National General	$983	$167

Lochmoor Waterway Estates Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lochmoor Waterway Estates FL. For example, the car insurance in Lochmoor Waterway Estates after a DUI increases to $873 for a six month policy. While the rate increases by $265 for a six-month policy in the case of a speeding ticket.

Lochmoor Waterway Estates auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1696	$283
One Med/PIP claim	$1696	$288
Not-at-fault accident	$1834	$306
Two Med/PIP claims	$1884	$320
One comp claim	$1911	$319
Child safety restraint	$1917	$326
Failure to wear a seat belt	$1917	$320
Driving without lights	$1922	$326
Failure to show documents	$1922	$321
Speeding 6 - 10 MPH over limit	$1961	$334
Improper passing	$1967	$327
Passing school bus	$1967	$335
Wrong way/wrong lane	$1967	$327
Failure to stop at a red light	$1973	$336
Failure to yield	$1973	$328
Illegal turn	$1973	$336
Cell phone violation	$1978	$329
Driving with expired registration	$1978	$337
Following too closely	$1978	$329
Texting while driving	$1983	$338
Two comp claims	$2027	$338
Driving too slowly	$2039	$347
Speeding in school zone	$2039	$339
Speeding 11 - 15 MPH over limit	$2044	$348
In 65 MPH zone	$2116	$352
Speeding 16 - 20 MPH over limit	$2116	$360
Speeding 21 - 25 MPH over limit	$2127	$354
Open container	$2149	$365
Operating a vehicle without permission	$2149	$358
At-fault accident - less than $1000	$2332	$396
At-fault accident - $1000-$2000	$2370	$395
At-fault accident - greater than $2000	$2370	$403
Racing	$2563	$427
DUI	$2569	$437
Refusal to submit to a chemical test	$2569	$428
Driving with a suspended license	$2613	$445
Reckless driving	$2668	$445
Leaving scene of an accident/hit and run	$2696	$458

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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 Lochmoor Waterway Estates 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 Lochmoor Waterway Estates.

The cheapest car insurance premiums in Lochmoor Waterway Estates are offered by AIG at $597 for a six-month policy. However, it can be as expensive as $740 with companies like National General.

Lochmoor Waterway Estates car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$597	$100
Travelers	$950	$160
State Farm	$1154	$194
Progressive	$1165	$196
Allstate	$2121	$357
UAIC	$2337	$397
Farmers	$2525	$420
National General	$740	$124

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 Lochmoor Waterway Estates are offered by Nationwide at $519. However, it can be as expensive as $2696 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Lochmoor Waterway Estates after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$519	$88
State Farm	$669	$113
Travelers	$801	$135
UAIC	$1326	$221
Allstate	$1520	$256
Progressive	$2193	$365
Farmers	$2696	$458

Car Insurance Price Trends in Lochmoor Waterway Estates, Florida

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

The average cost of full coverage in the Lochmoor Waterway Estates remained steady at $257 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Lochmoor Waterway Estates remained steady at $78 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 Lochmoor Waterway Estates?

The car insurance in Lochmoor Waterway Estates is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Lochmoor Waterway Estates?

The cheapest car insurance in Lochmoor Waterway Estates is $160 per month for full coverage.

How much is car insurance in Lochmoor Waterway Estates for teenagers?

Car insurance for teenagers costs $503 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 Lochmoor Waterway Estates?

The average cost of car insurance is $1601 for a six-month policy. It will cost around $250 per month to insure your car in Lochmoor Waterway Estates.

Is car insurance expensive in Lochmoor Waterway Estates?

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

Cheapest Car Insurance Quotes in Lochmoor Waterway Estates

Why you can trust Way?

How Much Is Car Insurance in Lochmoor Waterway Estates

Avg. Car Insurance in Lochmoor Waterway Estates

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Lochmoor Waterway Estates

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Lochmoor Waterway Estates Car Insurance Rates by Company

Cheap Car Insurance Companies in Lochmoor Waterway Estates, FL

Way's key takeaways about car insurance in Lochmoor Waterway Estates

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lochmoor Waterway Estates

Cheapest Liability Coverage in Lochmoor Waterway Estates, FL

Cheapest Full Coverage Car Insurance in Lochmoor Waterway Estates

Cheapest Full Coverage Car Insurance Quotes in Lochmoor Waterway Estates, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lochmoor Waterway Estates by Rating Factor

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

Car Insurance Premiums by Age in Lochmoor Waterway Estates

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lochmoor Waterway Estates,FL

If you are in your twenties Travelers is the best choice for car insurance in Lochmoor Waterway Estates.

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 Lochmoor Waterway Estates

Cheapest Car Insurance Companies after an At-Fault Accident in Lochmoor Waterway Estates

Lochmoor Waterway Estates Car Insurance Rates by Violation

Lochmoor Waterway Estates auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lochmoor Waterway Estates after a DUI

Lochmoor Waterway Estates car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lochmoor Waterway Estates after Speeding ticket

Car Insurance Price Trends in Lochmoor Waterway Estates, Florida

Average Car Insurance Cost in Lochmoor Waterway Estates by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lochmoor Waterway Estates, FL

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

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