Cheapest Car Insurance Quotes in Madeira Beach

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Madeira Beach Car Insurance

^$ 23

/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 Madeira Beach

The car insurance rate in Madeira Beach is $1745 for a six-month policy, which is $144 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1114, making it a popular choice for budget-conscious drivers. Rates in Madeira Beach 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 Madeira Beach

$1745

Avg. Car Insurance in Florida

$1601

National Average

$1140

Cheapest Car Insurance Companies in Madeira Beach

1st place: Travelers

At $1114 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 $1185 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1379 for six months, making it the third cheapest auto insurance company in Madeira Beach.

Madeira Beach Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Madeira Beach, FL is Travelers, offering policies at just $1114 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1185.

At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $1042 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Madeira Beach drivers find the best deals.

Cheap Car Insurance Companies in Madeira Beach, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1114	$187
State Farm	$1185	$199
Nationwide	$1379	$232
United Automobile Ins Group	$1489	$249
Progressive	$1554	$262
UAIC	$1554	$259
MetLife	$1638	$279
Farmers	$2603	$434
Mercury	$2810	$477
Allstate	$2830	$476
Metropolitan Group	$1042	$173

Key Takeaways

Way's key takeaways about car insurance in Madeira Beach

The auto insurance costs in Madeira Beach fall around $1114 for six months.
The cheapest auto insurance company in Madeira Beach is Patrons Insurance.
Teen drivers pay the highest rate in Madeira Beach at $1505 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 Madeira Beach

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 Madeira Beach are given below.

Patrons Insurance provides the cheapest minimum car insurance coverage in Madeira Beach. Their Average 6 Month Premium is $136. Metropolitan Group is the most expensive at $414 for the same period.

Cheapest Liability Coverage in Madeira Beach, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$136	$23
Travelers	$414	$70
State Farm	$440	$74
Mercury	$467	$78
Nationwide	$518	$88
Farmers	$718	$120
AIG	$731	$124
Progressive	$764	$129
United Automobile Ins Group	$784	$133
UAIC	$848	$142
Allstate	$978	$165
Metropolitan Group	$414	$69

Cheapest Full Coverage Car Insurance in Madeira Beach

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 Madeira Beach is Travelers at $187 per month and $1114 for six months.

Cheapest Full Coverage Car Insurance Quotes in Madeira Beach, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1114	$187
State Farm	$1185	$199
Nationwide	$1379	$232
United Automobile Ins Group	$1489	$249
Progressive	$1554	$262
UAIC	$1554	$259
MetLife	$1638	$279
Farmers	$2603	$434
Mercury	$2810	$477
Allstate	$2830	$476
Metropolitan Group	$1042	$173

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Average Car Insurance in Madeira Beach 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 Madeira Beach, FL increasing?

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

Car Insurance Premiums by Age in Madeira Beach

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	$1414
40s	Travelers	$1067
50s	Travelers	$995
60s	Travelers	$981

Cheapest Car Insurance Rates for Teen Drivers in Madeira Beach,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Madeira Beach at $98 per month. At $8851 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$590	$98
AIG	$797	$135
Travelers	$1806	$304
State Farm	$2376	$400
UAIC	$3535	$590
United Automobile Ins Group	$3671	$625
Allstate	$5568	$937
Mercury	$6902	$1162
Progressive	$7375	$1242
Farmers	$8851	$1505

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 Madeira Beach.

As young drivers face the highest rates in Madeira Beach, Travelers offers the cheapest auto insurance rates at $1414 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 Madeira Beach, Nationwide is the cheapest car insurance provider. At $705 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 Madeira Beach is Allstate, offering rates of around $5659 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$705	$120
Mercury	$771	$129
Direct General Insurance	$803	$136
Travelers	$1528	$257
UAIC	$1554	$264
Progressive	$3004	$500
Farmers	$3600	$613
State Farm	$5393	$899
Allstate	$5659	$962

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Save up to $971/yr on car insurance rates in Madeira Beach.

Car Insurance Rates with An Accident in Madeira Beach

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

Cheapest Car Insurance Companies after an At-Fault Accident in Madeira Beach

The cheapest car insurance companies after an at-fault accident in Madeira Beach include Nationwide and AIG, offering $744 and $952, respectively. National General is an expensive provider with an average six-month premium of $1152.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$744	$124
AIG	$952	$161
Travelers	$1075	$181
State Farm	$1107	$186
United Automobile Ins Group	$1936	$323
Mercury	$2000	$337
UAIC	$2026	$338
Progressive	$2654	$447
Farmers	$3632	$605
Allstate	$4914	$827
National General	$1152	$196

Madeira Beach Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Madeira Beach FL. For example, the car insurance in Madeira Beach after a DUI increases to $1023 for a six month policy. While the rate increases by $311 for a six-month policy in the case of a speeding ticket.

Madeira Beach auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1988	$331
One Med/PIP claim	$1988	$338
Not-at-fault accident	$2149	$359
Two Med/PIP claims	$2208	$375
One comp claim	$2240	$374
Child safety restraint	$2246	$382
Failure to wear a seat belt	$2246	$375
Driving without lights	$2253	$383
Failure to show documents	$2253	$376
Speeding 6 - 10 MPH over limit	$2299	$391
Improper passing	$2305	$384
Passing school bus	$2305	$392
Wrong way/wrong lane	$2305	$384
Failure to stop at a red light	$2312	$393
Failure to yield	$2312	$385
Illegal turn	$2312	$393
Cell phone violation	$2318	$386
Driving with expired registration	$2318	$395
Following too closely	$2318	$386
Texting while driving	$2324	$396
Two comp claims	$2376	$396
Driving too slowly	$2389	$407
Speeding in school zone	$2389	$398
Speeding 11 - 15 MPH over limit	$2396	$408
In 65 MPH zone	$2480	$413
Speeding 16 - 20 MPH over limit	$2480	$422
Speeding 21 - 25 MPH over limit	$2493	$415
Open container	$2519	$428
Operating a vehicle without permission	$2519	$420
At-fault accident - less than $1000	$2733	$464
At-fault accident - $1000-$2000	$2777	$463
At-fault accident - greater than $2000	$2777	$472
Racing	$3004	$500
DUI	$3011	$512
Refusal to submit to a chemical test	$3011	$501
Driving with a suspended license	$3063	$521
Reckless driving	$3127	$521
Leaving scene of an accident/hit and run	$3160	$537

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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 Madeira Beach 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 Madeira Beach.

The cheapest car insurance premiums in Madeira Beach are offered by AIG at $700 for a six-month policy. However, it can be as expensive as $868 with companies like National General.

Madeira Beach car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$700	$117
Travelers	$1114	$187
State Farm	$1353	$228
Progressive	$1366	$230
Allstate	$2486	$419
UAIC	$2739	$465
Farmers	$2959	$493
National General	$868	$145

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 Madeira Beach are offered by Nationwide at $608. However, it can be as expensive as $3160 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Madeira Beach after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$608	$104
State Farm	$784	$132
Travelers	$938	$158
UAIC	$1554	$259
Allstate	$1781	$300
Progressive	$2570	$428
Farmers	$3160	$537

Car Insurance Price Trends in Madeira Beach, Florida

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

The average cost of full coverage in the Madeira Beach remained steady at $301 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Madeira Beach remained steady at $92 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 Madeira Beach?

The car insurance in Madeira Beach is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Madeira Beach?

The cheapest car insurance in Madeira Beach is $187 per month for full coverage.

How much is car insurance in Madeira Beach for teenagers?

Car insurance for teenagers costs $590 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 Madeira Beach?

The average cost of car insurance is $1601 for a six-month policy. It will cost around $293 per month to insure your car in Madeira Beach.

Is car insurance expensive in Madeira Beach?

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

Cheapest Car Insurance Quotes in Madeira Beach

Why you can trust Way?

How Much Is Car Insurance in Madeira Beach

Avg. Car Insurance in Madeira Beach

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Madeira Beach

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Madeira Beach Car Insurance Rates by Company

Cheap Car Insurance Companies in Madeira Beach, FL

Way's key takeaways about car insurance in Madeira Beach

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Madeira Beach

Cheapest Liability Coverage in Madeira Beach, FL

Cheapest Full Coverage Car Insurance in Madeira Beach

Cheapest Full Coverage Car Insurance Quotes in Madeira Beach, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Madeira Beach by Rating Factor

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

Car Insurance Premiums by Age in Madeira Beach

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Madeira Beach,FL

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

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 Madeira Beach

Cheapest Car Insurance Companies after an At-Fault Accident in Madeira Beach

Madeira Beach Car Insurance Rates by Violation

Madeira Beach auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Madeira Beach after a DUI

Madeira Beach car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Madeira Beach after Speeding ticket

Car Insurance Price Trends in Madeira Beach, Florida

Average Car Insurance Cost in Madeira Beach by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Madeira Beach, FL

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

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