Cheapest Car Insurance Quotes in Meadow Oaks

Finding the cheapest car insurance quotes in Meadow Oaks 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.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Meadow Oaks Car Insurance

^$ 24

/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 Meadow Oaks

The car insurance rate in Meadow Oaks is $1857 for a six-month policy, which is $256 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1186, making it a popular choice for budget-conscious drivers. Rates in Meadow Oaks 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 Meadow Oaks

$1857

Avg. Car Insurance in Florida

$1601

National Average

$1140

Cheapest Car Insurance Companies in Meadow Oaks

1st place: Travelers

At $1186 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 $1261 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1467 for six months, making it the third cheapest auto insurance company in Meadow Oaks.

Meadow Oaks Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Meadow Oaks, FL is Travelers, offering policies at just $1186 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1261.

At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $1109 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Meadow Oaks drivers find the best deals.

Cheap Car Insurance Companies in Meadow Oaks, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1186	$200
State Farm	$1261	$212
Nationwide	$1467	$247
United Automobile Ins Group	$1585	$264
Progressive	$1654	$278
UAIC	$1654	$276
MetLife	$1743	$297
Farmers	$2770	$462
Mercury	$2990	$508
Allstate	$3011	$507
Metropolitan Group	$1109	$184

Key Takeaways

Way's key takeaways about car insurance in Meadow Oaks

The auto insurance costs in Meadow Oaks fall around $1186 for six months.
The cheapest auto insurance company in Meadow Oaks is Patrons Insurance.
Teen drivers pay the highest rate in Meadow Oaks at $1602 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 Meadow Oaks

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 Meadow Oaks are given below.

Patrons Insurance provides the cheapest minimum car insurance coverage in Meadow Oaks. Their Average 6 Month Premium is $145. Metropolitan Group is the most expensive at $441 for the same period.

Cheapest Liability Coverage in Meadow Oaks, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$145	$24
Travelers	$441	$74
State Farm	$469	$79
Mercury	$496	$84
Nationwide	$551	$94
Farmers	$764	$128
AIG	$778	$132
Progressive	$813	$137
United Automobile Ins Group	$834	$142
UAIC	$902	$151
Allstate	$1041	$175
Metropolitan Group	$441	$73

Cheapest Full Coverage Car Insurance in Meadow Oaks

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 Meadow Oaks is Travelers at $200 per month and $1186 for six months.

Cheapest Full Coverage Car Insurance Quotes in Meadow Oaks, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1186	$200
State Farm	$1261	$212
Nationwide	$1467	$247
United Automobile Ins Group	$1585	$264
Progressive	$1654	$278
UAIC	$1654	$276
MetLife	$1743	$297
Farmers	$2770	$462
Mercury	$2990	$508
Allstate	$3011	$507
Metropolitan Group	$1109	$184

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Meadow Oaks Instantly!

Average Car Insurance in Meadow Oaks 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 Meadow Oaks, FL increasing?

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

Car Insurance Premiums by Age in Meadow Oaks

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	$1505
40s	Travelers	$1136
50s	Travelers	$1059
60s	Travelers	$1044

Cheapest Car Insurance Rates for Teen Drivers in Meadow Oaks,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Meadow Oaks at $104 per month. At $9419 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$628	$104
AIG	$848	$144
Travelers	$1922	$324
State Farm	$2529	$426
UAIC	$3762	$628
United Automobile Ins Group	$3907	$665
Allstate	$5925	$998
Mercury	$7345	$1237
Progressive	$7849	$1321
Farmers	$9419	$1602

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 Meadow Oaks.

As young drivers face the highest rates in Meadow Oaks, Travelers offers the cheapest auto insurance rates at $1505 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 Meadow Oaks, Nationwide is the cheapest car insurance provider. At $751 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 Meadow Oaks is Allstate, offering rates of around $6023 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$751	$128
Mercury	$820	$137
Direct General Insurance	$855	$145
Travelers	$1626	$274
UAIC	$1654	$281
Progressive	$3197	$532
Farmers	$3831	$652
State Farm	$5740	$957
Allstate	$6023	$1024

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Meadow Oaks.

Car Insurance Rates with An Accident in Meadow Oaks

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 Meadow Oaks, FL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Meadow Oaks

The cheapest car insurance companies after an at-fault accident in Meadow Oaks include Nationwide and AIG, offering $792 and $1013, respectively. National General is an expensive provider with an average six-month premium of $1226.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$792	$132
AIG	$1013	$172
Travelers	$1144	$193
State Farm	$1179	$198
United Automobile Ins Group	$2060	$343
Mercury	$2129	$358
UAIC	$2156	$360
Progressive	$2825	$476
Farmers	$3865	$644
Allstate	$5229	$880
National General	$1226	$209

Meadow Oaks Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Meadow Oaks FL. For example, the car insurance in Meadow Oaks after a DUI increases to $1088 for a six month policy. While the rate increases by $330 for a six-month policy in the case of a speeding ticket.

Meadow Oaks auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2116	$353
One Med/PIP claim	$2116	$360
Not-at-fault accident	$2288	$382
Two Med/PIP claims	$2350	$399
One comp claim	$2384	$398
Child safety restraint	$2391	$406
Failure to wear a seat belt	$2391	$399
Driving without lights	$2398	$407
Failure to show documents	$2398	$400
Speeding 6 - 10 MPH over limit	$2446	$416
Improper passing	$2453	$408
Passing school bus	$2453	$418
Wrong way/wrong lane	$2453	$408
Failure to stop at a red light	$2460	$419
Failure to yield	$2460	$409
Illegal turn	$2460	$419
Cell phone violation	$2467	$411
Driving with expired registration	$2467	$420
Following too closely	$2467	$411
Texting while driving	$2473	$421
Two comp claims	$2529	$421
Driving too slowly	$2543	$433
Speeding in school zone	$2543	$423
Speeding 11 - 15 MPH over limit	$2550	$434
In 65 MPH zone	$2639	$440
Speeding 16 - 20 MPH over limit	$2639	$449
Speeding 21 - 25 MPH over limit	$2653	$442
Open container	$2681	$456
Operating a vehicle without permission	$2681	$447
At-fault accident - less than $1000	$2908	$494
At-fault accident - $1000-$2000	$2956	$493
At-fault accident - greater than $2000	$2956	$502
Racing	$3197	$532
DUI	$3204	$545
Refusal to submit to a chemical test	$3204	$534
Driving with a suspended license	$3260	$554
Reckless driving	$3328	$554
Leaving scene of an accident/hit and run	$3363	$572

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 Meadow Oaks 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 Meadow Oaks.

The cheapest car insurance premiums in Meadow Oaks are offered by AIG at $745 for a six-month policy. However, it can be as expensive as $923 with companies like National General.

Meadow Oaks car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$745	$124
Travelers	$1186	$200
State Farm	$1440	$242
Progressive	$1453	$245
Allstate	$2646	$445
UAIC	$2915	$495
Farmers	$3149	$524
National General	$923	$154

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 Meadow Oaks are offered by Nationwide at $647. However, it can be as expensive as $3363 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Meadow Oaks after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$647	$110
State Farm	$834	$140
Travelers	$999	$168
UAIC	$1654	$276
Allstate	$1895	$319
Progressive	$2735	$456
Farmers	$3363	$572

Car Insurance Price Trends in Meadow Oaks, Florida

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

The average cost of full coverage in the Meadow Oaks remained steady at $320 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Meadow Oaks remained steady at $97 in both December and November, indicating no change over the two month period.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Meadow Oaks?

The car insurance in Meadow Oaks is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Meadow Oaks?

The cheapest car insurance in Meadow Oaks is $200 per month for full coverage.

How much is car insurance in Meadow Oaks for teenagers?

Car insurance for teenagers costs $628 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 Meadow Oaks?

The average cost of car insurance is $1601 for a six-month policy. It will cost around $312 per month to insure your car in Meadow Oaks.

Is car insurance expensive in Meadow Oaks?

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

Cheapest Car Insurance Quotes in Meadow Oaks

Why you can trust Way?

How Much Is Car Insurance in Meadow Oaks

Avg. Car Insurance in Meadow Oaks

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Meadow Oaks

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Meadow Oaks Car Insurance Rates by Company

Cheap Car Insurance Companies in Meadow Oaks, FL

Way's key takeaways about car insurance in Meadow Oaks

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Meadow Oaks

Cheapest Liability Coverage in Meadow Oaks, FL

Cheapest Full Coverage Car Insurance in Meadow Oaks

Cheapest Full Coverage Car Insurance Quotes in Meadow Oaks, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Meadow Oaks by Rating Factor

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

Car Insurance Premiums by Age in Meadow Oaks

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Meadow Oaks,FL

If you are in your twenties Travelers is the best choice for car insurance in Meadow Oaks.

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 Meadow Oaks

Cheapest Car Insurance Companies after an At-Fault Accident in Meadow Oaks

Meadow Oaks Car Insurance Rates by Violation

Meadow Oaks auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Meadow Oaks after a DUI

Meadow Oaks car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Meadow Oaks after Speeding ticket

Car Insurance Price Trends in Meadow Oaks, Florida

Average Car Insurance Cost in Meadow Oaks by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Meadow Oaks, FL

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

Featured Blogs

Data Sources