Cheapest Car Insurance Quotes in Mary Esther

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408,850 Policies Sold

Mary Esther Car Insurance

^$ 54

/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 Mary Esther

The car insurance rate in Mary Esther is $1283 for a six-month policy, which is $428 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $811, making it a popular choice for budget-conscious drivers. Rates in Mary Esther 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 Mary Esther

$1283

Avg. Car Insurance in Florida

$1711

National Average

$1278

Cheapest Car Insurance Companies in Mary Esther

1st place: Travelers

At $811 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 $847 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $887 for six months, making it the third cheapest auto insurance company in Mary Esther.

Mary Esther Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mary Esther, FL is Travelers, offering policies at just $811 for a six-month term. This is followed by State Farm, which has an average six-month premium of $847.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1791 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mary Esther drivers find the best deals.

Cheap Car Insurance Companies in Mary Esther, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$811	$137
State Farm	$847	$143
Nationwide	$887	$149
United Automobile Ins Group	$1025	$174
UAIC	$1132	$191
Progressive	$1337	$225
Mercury	$1934	$323
Allstate	$1947	$328
MetLife	$1127	$192
Farmers	$1791	$299

Key Takeaways

Way's key takeaways about car insurance in Mary Esther

The auto insurance costs in Mary Esther fall around $811 for six months.
The cheapest auto insurance company in Mary Esther is Mercury.
Teen drivers pay the highest rate in Mary Esther at $1036 per month.

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Cheapest Minimum Liability Car Insurance in Mary Esther

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 Mary Esther are given below.

Mercury provides the cheapest minimum car insurance coverage in Mary Esther. Their Average 6 Month Premium is $321. Farmers is the most expensive at $494 for the same period.

Cheapest Liability Coverage in Mary Esther, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$321	$54
Nationwide	$356	$61
MetLife	$374	$62
AIG	$419	$71
United Automobile Ins Group	$539	$90
Travelers	$624	$105
State Farm	$923	$155
Progressive	$1541	$260
Allstate	$1729	$291
UAIC	$2018	$344
Patrons Insurance	$94	$16
Farmers	$494	$83

Cheapest Full Coverage Car Insurance in Mary Esther

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 Mary Esther is Travelers at $137 per month and $811 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mary Esther, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$811	$137
State Farm	$847	$143
Nationwide	$887	$149
United Automobile Ins Group	$1025	$174
UAIC	$1132	$191
Progressive	$1337	$225
Mercury	$1934	$323
Allstate	$1947	$328
MetLife	$1127	$192
Farmers	$1791	$299

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Average Car Insurance in Mary Esther 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 Mary Esther, FL increasing?

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

Car Insurance Premiums by Age in Mary Esther

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

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Cheapest Car Insurance Rates for Teen Drivers in Mary Esther,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Mary Esther at $68 per month. At $6090 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$406	$68
AIG	$548	$93
Travelers	$1466	$247
State Farm	$1809	$305
United Automobile Ins Group	$2526	$421
UAIC	$2588	$440
Allstate	$3849	$648
Mercury	$4749	$800
Progressive	$6981	$1175
Farmers	$6090	$1036

Teen Car Insurance Rates in FL by Age

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 Mary Esther, Nationwide is the cheapest car insurance provider. At $485 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 Mary Esther is Farmers, offering rates of around $2477 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$485	$83
Mercury	$530	$89
Direct General Insurance	$553	$94
UAIC	$1136	$189
Travelers	$1346	$227
Progressive	$3596	$599
Allstate	$3849	$655
State Farm	$4820	$803
Farmers	$2477	$422

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Car Insurance Rates with An Accident in Mary Esther

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

Cheapest Car Insurance Companies after an At-Fault Accident in Mary Esther

The cheapest car insurance companies after an at-fault accident in Mary Esther include Nationwide and AIG, offering $512 and $655, respectively. Farmers is an expensive provider with an average six-month premium of $2499.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$512	$86
AIG	$655	$111
State Farm	$829	$140
Travelers	$842	$142
United Automobile Ins Group	$1332	$222
Mercury	$1376	$232
UAIC	$1488	$248
Progressive	$2455	$413
Allstate	$3404	$573
Farmers	$2499	$416

Mary Esther Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mary Esther FL. For example, the car insurance in Mary Esther after a DUI increases to $704 for a six month policy. While the rate increases by $214 for a six-month policy in the case of a speeding ticket.

Mary Esther auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1368	$228
One Med/PIP claim	$1368	$233
Not-at-fault accident	$1479	$247
Two Med/PIP claims	$1520	$258
One comp claim	$1541	$257
Child safety restraint	$1546	$263
Failure to wear a seat belt	$1546	$258
Driving without lights	$1550	$263
Failure to show documents	$1550	$259
Speeding 6 - 10 MPH over limit	$1582	$269
Improper passing	$1586	$264
Passing school bus	$1586	$270
Wrong way/wrong lane	$1586	$264
Failure to stop at a red light	$1591	$271
Failure to yield	$1591	$265
Illegal turn	$1591	$271
Cell phone violation	$1595	$266
Driving with expired registration	$1595	$272
Following too closely	$1595	$266
Texting while driving	$1599	$272
Two comp claims	$1635	$272
Driving too slowly	$1644	$280
Speeding in school zone	$1644	$274
Speeding 11 - 15 MPH over limit	$1649	$281
In 65 MPH zone	$1706	$284
Speeding 16 - 20 MPH over limit	$1706	$290
Speeding 21 - 25 MPH over limit	$1715	$286
Open container	$1733	$295
Operating a vehicle without permission	$1733	$289
At-fault accident - less than $1000	$1880	$320
At-fault accident - $1000-$2000	$1911	$319
At-fault accident - greater than $2000	$1911	$325
Racing	$2067	$344
DUI	$2072	$353
Refusal to submit to a chemical test	$2072	$345
Driving with a suspended license	$2108	$359
Reckless driving	$2152	$359
Leaving scene of an accident/hit and run	$2174	$370

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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 Mary Esther 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 Mary Esther.

The cheapest car insurance premiums in Mary Esther are offered by AIG at $482 for a six-month policy. However, it can be as expensive as $2036 with companies like Farmers.

Mary Esther car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$482	$82
Travelers	$923	$155
State Farm	$1145	$193
Progressive	$1270	$214
Allstate	$1720	$290
UAIC	$2018	$336
Farmers	$2036	$339

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 Mary Esther are offered by Nationwide at $419. However, it can be as expensive as $2174 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Mary Esther after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$419	$70
State Farm	$668	$113
Travelers	$824	$139
UAIC	$1136	$194
Allstate	$1229	$207
Progressive	$2887	$491
Farmers	$2174	$370

Car Insurance Price Trends in Mary Esther, Florida

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

The average cost of full coverage in the Mary Esther rose by $212 in March compared to $192 of February. In other words, there has been an increase by $20 when you compare March and February.

The average cost of liability insurance in the Mary Esther rose to $144 in March, compared to $62 in February. This represents an increase of $82 when comparing March and February.

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Frequently Asked Questions

How much is car insurance in Mary Esther?

The car insurance in Mary Esther is $54 per month, which is lower than the national average.

What is the cheapest car insurance in Mary Esther?

The cheapest car insurance in Mary Esther is $137 per month for full coverage.

How much is car insurance in Mary Esther for teenagers?

Car insurance for teenagers costs $406 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 Mary Esther?

The average cost of car insurance is $1711 for a six-month policy. It will cost around $215 per month to insure your car in Mary Esther.

Is car insurance expensive in Mary Esther?

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

Cheapest Car Insurance Quotes in Mary Esther

Why you can trust Way?

How Much Is Car Insurance in Mary Esther

Avg. Car Insurance in Mary Esther

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Mary Esther

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Mary Esther Car Insurance Rates by Company

Cheap Car Insurance Companies in Mary Esther, FL

Way's key takeaways about car insurance in Mary Esther

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Mary Esther

Cheapest Liability Coverage in Mary Esther, FL

Cheapest Full Coverage Car Insurance in Mary Esther

Cheapest Full Coverage Car Insurance Quotes in Mary Esther, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Mary Esther by Rating Factor

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

Car Insurance Premiums by Age in Mary Esther

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Mary Esther,FL

If you are in your twenties N/A is the best choice for car insurance in Mary Esther.

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 Mary Esther

Cheapest Car Insurance Companies after an At-Fault Accident in Mary Esther

Mary Esther Car Insurance Rates by Violation

Mary Esther auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Mary Esther after a DUI

Mary Esther car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Mary Esther after Speeding ticket

Car Insurance Price Trends in Mary Esther, Florida

Average Car Insurance Cost in Mary Esther by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Mary Esther, FL

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

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