Cheapest Car Insurance Quotes in Mexico Beach

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Mexico Beach Car Insurance

^$ 47

/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 Mexico Beach

The car insurance rate in Mexico Beach is $1284 for a six-month policy, which is $341 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $765, making it a popular choice for budget-conscious drivers. Rates in Mexico 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 Mexico Beach

$1284

Avg. Car Insurance in Florida

$1625

National Average

$1278

Cheapest Car Insurance Companies in Mexico Beach

1st place: Travelers

At $765 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 $854 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $934 for six months, making it the third cheapest auto insurance company in Mexico Beach.

Mexico Beach Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mexico Beach, FL is Travelers, offering policies at just $765 for a six-month term. This is followed by State Farm, which has an average six-month premium of $854.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1887 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mexico Beach drivers find the best deals.

Cheap Car Insurance Companies in Mexico Beach, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$765	$129
State Farm	$854	$144
Nationwide	$934	$157
Progressive	$990	$167
United Automobile Ins Group	$1079	$180
UAIC	$1183	$201
Allstate	$1928	$322
Mercury	$2037	$346
MetLife	$1187	$202
Farmers	$1887	$314

Key Takeaways

Way's key takeaways about car insurance in Mexico Beach

The auto insurance costs in Mexico Beach fall around $765 for six months.
The cheapest auto insurance company in Mexico Beach is Travelers.
Teen drivers pay the highest rate in Mexico Beach at $1091 per month.

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Cheapest Minimum Liability Car Insurance in Mexico 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 Mexico Beach are given below.

Travelers provides the cheapest minimum car insurance coverage in Mexico Beach. Their Average 6 Month Premium is $281. Farmers is the most expensive at $521 for the same period.

Cheapest Liability Coverage in Mexico Beach, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$281	$47
State Farm	$305	$51
Mercury	$338	$57
Nationwide	$375	$64
MetLife	$394	$66
AIG	$441	$75
Progressive	$554	$93
United Automobile Ins Group	$568	$96
UAIC	$615	$103
Allstate	$704	$119
Patrons Insurance	$99	$17
Farmers	$521	$87

Cheapest Full Coverage Car Insurance in Mexico 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 Mexico Beach is Travelers at $129 per month and $765 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mexico Beach, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$765	$129
State Farm	$854	$144
Nationwide	$934	$157
Progressive	$990	$167
United Automobile Ins Group	$1079	$180
UAIC	$1183	$201
Allstate	$1928	$322
Mercury	$2037	$346
MetLife	$1187	$202
Farmers	$1887	$314

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Average Car Insurance in Mexico 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 Mexico Beach, FL increasing?

Despite maintaining a clean driving record, your car insurance rates in Mexico 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, Mexico 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 Mexico 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

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

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Mexico Beach at $71 per month. At $6415 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$427	$71
AIG	$577	$98
Travelers	$1258	$212
State Farm	$1511	$254
UAIC	$2013	$339
United Automobile Ins Group	$2661	$453
Allstate	$3285	$553
Progressive	$4228	$712
Mercury	$5002	$842
Farmers	$6415	$1091

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 Mexico Beach, Nationwide is the cheapest car insurance provider. At $511 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 Mexico Beach is Farmers, offering rates of around $2609 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$511	$87
Mercury	$559	$93
Direct General Insurance	$582	$99
UAIC	$1131	$189
Travelers	$1239	$209
Progressive	$2177	$363
Allstate	$3820	$649
State Farm	$3909	$652
Farmers	$2609	$444

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Car Insurance Rates with An Accident in Mexico 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 Mexico Beach, FL, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Mexico Beach include Nationwide and AIG, offering $540 and $690, respectively. Farmers is an expensive provider with an average six-month premium of $2632.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$540	$90
AIG	$690	$117
State Farm	$803	$135
Travelers	$817	$137
United Automobile Ins Group	$1403	$234
Mercury	$1450	$244
UAIC	$1469	$245
Progressive	$1924	$324
Allstate	$3425	$577
Farmers	$2632	$438

Mexico Beach Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mexico Beach FL. For example, the car insurance in Mexico Beach after a DUI increases to $741 for a six month policy. While the rate increases by $225 for a six-month policy in the case of a speeding ticket.

Mexico Beach auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1441	$240
One Med/PIP claim	$1441	$245
Not-at-fault accident	$1558	$260
Two Med/PIP claims	$1601	$272
One comp claim	$1623	$271
Child safety restraint	$1628	$277
Failure to wear a seat belt	$1628	$272
Driving without lights	$1633	$277
Failure to show documents	$1633	$273
Speeding 6 - 10 MPH over limit	$1666	$284
Improper passing	$1671	$278
Passing school bus	$1671	$284
Wrong way/wrong lane	$1671	$278
Failure to stop at a red light	$1676	$285
Failure to yield	$1676	$279
Illegal turn	$1676	$285
Cell phone violation	$1680	$280
Driving with expired registration	$1680	$286
Following too closely	$1680	$280
Texting while driving	$1684	$287
Two comp claims	$1722	$287
Driving too slowly	$1732	$295
Speeding in school zone	$1732	$288
Speeding 11 - 15 MPH over limit	$1736	$295
In 65 MPH zone	$1797	$299
Speeding 16 - 20 MPH over limit	$1797	$306
Speeding 21 - 25 MPH over limit	$1807	$301
Open container	$1826	$310
Operating a vehicle without permission	$1826	$304
At-fault accident - less than $1000	$1981	$337
At-fault accident - $1000-$2000	$2013	$336
At-fault accident - greater than $2000	$2013	$342
Racing	$2177	$363
DUI	$2182	$371
Refusal to submit to a chemical test	$2182	$363
Driving with a suspended license	$2220	$378
Reckless driving	$2267	$378
Leaving scene of an accident/hit and run	$2290	$389

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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 Mexico 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 Mexico Beach.

The cheapest car insurance premiums in Mexico Beach are offered by AIG at $507 for a six-month policy. However, it can be as expensive as $2145 with companies like Farmers.

Mexico Beach car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$507	$86
Travelers	$830	$140
Progressive	$953	$160
State Farm	$1145	$193
Allstate	$1548	$261
UAIC	$1990	$332
Farmers	$2145	$357

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 Mexico Beach are offered by Nationwide at $441. However, it can be as expensive as $2290 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Mexico Beach after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$441	$73
State Farm	$559	$94
Travelers	$634	$107
Allstate	$1661	$280
UAIC	$1816	$303
Progressive	$2225	$378
Farmers	$2290	$389

Car Insurance Price Trends in Mexico Beach, Florida

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

The average cost of full coverage in the Mexico Beach dipped by $202 in January compared to $218 of December. In other words, there has been an decrease by $16 when you compare January and December.

The average cost of liability insurance in the Mexico Beach remained steady at $66 in both January and December, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Mexico Beach?

The car insurance in Mexico Beach is $47 per month, which is lower than the national average.

What is the cheapest car insurance in Mexico Beach?

The cheapest car insurance in Mexico Beach is $129 per month for full coverage.

How much is car insurance in Mexico Beach for teenagers?

Car insurance for teenagers costs $427 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 Mexico Beach?

The average cost of car insurance is $1625 for a six-month policy. It will cost around $216 per month to insure your car in Mexico Beach.

Is car insurance expensive in Mexico Beach?

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

Cheapest Car Insurance Quotes in Mexico Beach

Why you can trust Way?

How Much Is Car Insurance in Mexico Beach

Avg. Car Insurance in Mexico Beach

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Mexico Beach

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Mexico Beach Car Insurance Rates by Company

Cheap Car Insurance Companies in Mexico Beach, FL

Way's key takeaways about car insurance in Mexico Beach

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Mexico Beach

Cheapest Liability Coverage in Mexico Beach, FL

Cheapest Full Coverage Car Insurance in Mexico Beach

Cheapest Full Coverage Car Insurance Quotes in Mexico Beach, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Mexico Beach by Rating Factor

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

Car Insurance Premiums by Age in Mexico Beach

Cheapest Car Insurance Companies Based on Age Group

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

If you are in your twenties N/A is the best choice for car insurance in Mexico 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 Mexico Beach

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

Mexico Beach Car Insurance Rates by Violation

Mexico Beach auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Mexico Beach after a DUI

Mexico Beach car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Mexico Beach after Speeding ticket

Car Insurance Price Trends in Mexico Beach, Florida

Average Car Insurance Cost in Mexico Beach by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Mexico Beach, FL

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

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