We use essential cookies to make our site work. With your consent, we may also use non-essential cookies to improve user experience, personalize content, and analyze website traffic. For these reasons, we may share your site usage data with our analytics partners. By clicking “Accept,” you agree to our website's cookie use as described in our Cookie Policy. You can change your cookie settings at any time by clicking “Preferences.”
Finding the cheapest car insurance quotes in Mc Alpin shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Mc Alpin
The car insurance rate in Mc Alpin is $1317 for a six-month policy, which is $394 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $832, making it a popular choice for budget-conscious drivers. Rates in Mc Alpin 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.
At $832 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 $869 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Nationwide
Nationwide offers auto insurance
rates at $910
for six months, making it
the third cheapest auto insurance company in Mc Alpin.
Mc Alpin Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Mc Alpin, FL is Travelers, offering policies at just $832 for a six-month term. This is followed by State Farm, which has an average six-month premium of $869.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1839 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mc Alpin drivers find the best deals.
Way's key takeaways about car insurance in Mc Alpin
The auto insurance costs in Mc Alpin fall around $832 for six
months.
The cheapest auto insurance company in Mc Alpin is Mercury.
Teen drivers pay the highest rate in Mc Alpin at $1063 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 Mc Alpin
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 Mc Alpin are given below.
Mercury provides
the cheapest minimum car insurance
coverage in Mc Alpin. Their Average 6 Month Premium is $330.
Farmers is the most
expensive at $507 for the same
period.
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 Mc Alpin is Travelers
at $140 per month and $832
for six months.
Cheapest Full Coverage Car Insurance Quotes in Mc Alpin,
FL
Get Your Car Insurance Quote in Mc Alpin
Instantly!
Average Car Insurance in Mc Alpin 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 Mc Alpin, FL increasing?
Despite maintaining a clean driving record, your car insurance rates
in Mc Alpin, 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, Mc Alpin's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Mc Alpin
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
undefined
Cheapest Car Insurance Rates for Teen Drivers in
Mc Alpin,FL
If you are planning to get a car insurance policy for your teenage
dependent, Nationwide provides the cheapest car
insurance in the Mc Alpin at $69
per
month. At $6252 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Mc Alpin.
As young drivers face the highest rates in Mc Alpin, N/A
offers the cheapest auto insurance rates at $N/A 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 Mc Alpin,
Nationwide is
the cheapest car insurance provider. At $498 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
Mc Alpin is Farmers, offering
rates of around $2543 for six
months.
Save up to $971/yr on car insurance rates in Mc Alpin.
Car Insurance Rates with An Accident in Mc Alpin
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 Mc Alpin, FL,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Mc Alpin
The cheapest car insurance companies after an at-fault accident in
Mc Alpin include Nationwide
and AIG, offering $526
and $672,
respectively. Farmers is an expensive provider
with an average six-month premium of
$2566.
Here is a list of driving violations that can increase your car
insurance rates in Mc Alpin FL. For example, the car
insurance in Mc Alpin
after a DUI increases to $723 for a six
month policy. While the rate increases by $220 for a six-month policy in the case of
a speeding ticket.
Mc Alpin auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1404
$234
One Med/PIP claim
$1404
$239
Not-at-fault accident
$1518
$253
Two Med/PIP claims
$1560
$265
One comp claim
$1582
$264
Child safety restraint
$1587
$270
Failure to wear a seat belt
$1587
$265
Driving without lights
$1592
$270
Failure to show documents
$1592
$266
Speeding 6 - 10 MPH over limit
$1624
$276
Improper passing
$1629
$271
Passing school bus
$1629
$277
Wrong way/wrong lane
$1629
$271
Failure to stop at a red light
$1633
$278
Failure to yield
$1633
$272
Illegal turn
$1633
$278
Cell phone violation
$1638
$273
Driving with expired registration
$1638
$279
Following too closely
$1638
$273
Texting while driving
$1642
$280
Two comp claims
$1679
$280
Driving too slowly
$1688
$287
Speeding in school zone
$1688
$281
Speeding 11 - 15 MPH over limit
$1692
$288
In 65 MPH zone
$1752
$292
Speeding 16 - 20 MPH over limit
$1752
$298
Speeding 21 - 25 MPH over limit
$1761
$293
Open container
$1779
$303
Operating a vehicle without permission
$1779
$296
At-fault accident - less than $1000
$1930
$328
At-fault accident - $1000-$2000
$1962
$327
At-fault accident - greater than $2000
$1962
$333
Racing
$2122
$353
DUI
$2127
$362
Refusal to submit to a chemical test
$2127
$354
Driving with a suspended license
$2164
$368
Reckless driving
$2209
$368
Leaving scene of an accident/hit and run
$2232
$380
Your Wallet Deserves Better. Seriously.
Get smarter car insurance rates in minutes today!
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 Mc Alpin 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 Mc Alpin.
The cheapest car insurance premiums in
Mc Alpin are
offered by AIG at $494 for a six-month policy.
However, it can be as
expensive as $2091 with companies
like Farmers.
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 Mc Alpin are offered by Nationwide
at $430. However,
it can be as expensive as $2232
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Mc Alpin after Speeding ticket
Car insurance rates in Mc Alpin have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Mc Alpin rose by
$218 in February
compared to $197 of January. In other words, there has been an increase by $21 when you
compare February and January.
The average cost of liability insurance in the Mc Alpin rose to $148 in February,
compared to $64 in January.
This represents an increase of $84
when comparing February and January.
Average Car Insurance Cost in Mc Alpin by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Mc Alpin. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
undefined
Frequently Asked Questions
How much is car insurance in Mc Alpin?
The car insurance in Mc Alpin is $55 per month, which is lower than the national average.
What is the cheapest car insurance in Mc Alpin?
The cheapest car insurance in Mc Alpin
is $140 per month
for full coverage.
How much is car insurance in Mc Alpin for teenagers?
Car insurance for teenagers costs $417 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
Mc Alpin?
The average cost of car insurance is $1711 for a six-month
policy. It will cost around $221 per month to insure your
car in Mc Alpin.
Is car insurance expensive in Mc Alpin?
Car insurance can be expensive in Mc Alpin if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Mc Alpin can be
affordable.
What is the best car insurance in Mc Alpin,
FL?
The best car insurance company in Mc Alpin
FL is
Travelers, offering $832 for a
six-month policy.
Tired of Insane Auto Insurance Bills? Us Too!
Cut auto insurance costs in Mc Alpin right now.
Find Car Insurance Rates in Cities Near Mc Alpin, FL
Car Insurance Rates by State in the USA (2025 Update)
Mc Alpin Car Insurance
