Cheapest Car Insurance Quotes in Montverde

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Montverde Car Insurance

^$ 52

/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 Montverde

The car insurance rate in Montverde is $1398 for a six-month policy, which is $227 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 Montverde 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 Montverde

$1398

Avg. Car Insurance in Florida

$1625

National Average

$1278

Cheapest Car Insurance Companies in Montverde

1st place: Travelers

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 $930 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1017 for six months, making it the third cheapest auto insurance company in Montverde.

Montverde Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Montverde, 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 $930.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2054 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Montverde drivers find the best deals.

Cheap Car Insurance Companies in Montverde, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$832	$140
State Farm	$930	$157
Nationwide	$1017	$171
Progressive	$1078	$181
United Automobile Ins Group	$1175	$196
UAIC	$1287	$219
Allstate	$2099	$350
Mercury	$2217	$377
MetLife	$1293	$220
Farmers	$2054	$342

Key Takeaways

Way's key takeaways about car insurance in Montverde

The auto insurance costs in Montverde fall around $832 for six months.
The cheapest auto insurance company in Montverde is Travelers.
Teen drivers pay the highest rate in Montverde at $1188 per month.

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Cheapest Minimum Liability Car Insurance in Montverde

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 Montverde are given below.

Travelers provides the cheapest minimum car insurance coverage in Montverde. Their Average 6 Month Premium is $306. Farmers is the most expensive at $567 for the same period.

Cheapest Liability Coverage in Montverde, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$306	$52
State Farm	$332	$56
Mercury	$368	$62
Nationwide	$409	$70
MetLife	$429	$71
AIG	$480	$82
Progressive	$603	$101
United Automobile Ins Group	$618	$105
UAIC	$669	$112
Allstate	$766	$129
Patrons Insurance	$108	$18
Farmers	$567	$95

Cheapest Full Coverage Car Insurance in Montverde

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 Montverde is Travelers at $140 per month and $832 for six months.

Cheapest Full Coverage Car Insurance Quotes in Montverde, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$832	$140
State Farm	$930	$157
Nationwide	$1017	$171
Progressive	$1078	$181
United Automobile Ins Group	$1175	$196
UAIC	$1287	$219
Allstate	$2099	$350
Mercury	$2217	$377
MetLife	$1293	$220
Farmers	$2054	$342

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Average Car Insurance in Montverde 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 Montverde, FL increasing?

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

Car Insurance Premiums by Age in Montverde

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 Montverde,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Montverde at $77 per month. At $6983 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$465	$77
AIG	$629	$107
Travelers	$1369	$230
State Farm	$1645	$277
UAIC	$2191	$369
United Automobile Ins Group	$2896	$493
Allstate	$3576	$602
Progressive	$4603	$775
Mercury	$5446	$917
Farmers	$6983	$1188

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 Montverde, Nationwide is the cheapest car insurance provider. At $556 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 Montverde is Farmers, offering rates of around $2841 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$556	$95
Mercury	$608	$101
Direct General Insurance	$634	$108
UAIC	$1232	$206
Travelers	$1348	$227
Progressive	$2370	$395
Allstate	$4158	$707
State Farm	$4255	$710
Farmers	$2841	$483

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Car Insurance Rates with An Accident in Montverde

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

Cheapest Car Insurance Companies after an At-Fault Accident in Montverde

The cheapest car insurance companies after an at-fault accident in Montverde include Nationwide and AIG, offering $587 and $751, respectively. Farmers is an expensive provider with an average six-month premium of $2866.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$587	$98
AIG	$751	$127
State Farm	$874	$147
Travelers	$889	$150
United Automobile Ins Group	$1527	$255
Mercury	$1578	$266
UAIC	$1599	$267
Progressive	$2094	$353
Allstate	$3729	$628
Farmers	$2866	$477

Montverde Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Montverde FL. For example, the car insurance in Montverde after a DUI increases to $806 for a six month policy. While the rate increases by $245 for a six-month policy in the case of a speeding ticket.

Montverde auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1569	$261
One Med/PIP claim	$1569	$267
Not-at-fault accident	$1696	$283
Two Med/PIP claims	$1742	$296
One comp claim	$1767	$295
Child safety restraint	$1772	$301
Failure to wear a seat belt	$1772	$296
Driving without lights	$1778	$302
Failure to show documents	$1778	$297
Speeding 6 - 10 MPH over limit	$1814	$309
Improper passing	$1819	$303
Passing school bus	$1819	$310
Wrong way/wrong lane	$1819	$303
Failure to stop at a red light	$1824	$310
Failure to yield	$1824	$304
Illegal turn	$1824	$310
Cell phone violation	$1829	$304
Driving with expired registration	$1829	$311
Following too closely	$1829	$304
Texting while driving	$1834	$312
Two comp claims	$1875	$312
Driving too slowly	$1885	$321
Speeding in school zone	$1885	$314
Speeding 11 - 15 MPH over limit	$1890	$322
In 65 MPH zone	$1957	$326
Speeding 16 - 20 MPH over limit	$1957	$333
Speeding 21 - 25 MPH over limit	$1967	$328
Open container	$1987	$338
Operating a vehicle without permission	$1987	$331
At-fault accident - less than $1000	$2156	$366
At-fault accident - $1000-$2000	$2191	$366
At-fault accident - greater than $2000	$2191	$372
Racing	$2370	$395
DUI	$2375	$404
Refusal to submit to a chemical test	$2375	$396
Driving with a suspended license	$2417	$411
Reckless driving	$2467	$411
Leaving scene of an accident/hit and run	$2493	$424

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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 Montverde 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 Montverde.

The cheapest car insurance premiums in Montverde are offered by AIG at $552 for a six-month policy. However, it can be as expensive as $2335 with companies like Farmers.

Montverde car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$552	$94
Travelers	$904	$152
Progressive	$1037	$175
State Farm	$1246	$210
Allstate	$1686	$284
UAIC	$2166	$361
Farmers	$2335	$389

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 Montverde are offered by Nationwide at $480. However, it can be as expensive as $2493 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Montverde after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$480	$80
State Farm	$608	$102
Travelers	$690	$116
Allstate	$1809	$304
UAIC	$1977	$329
Progressive	$2422	$412
Farmers	$2493	$424

Car Insurance Price Trends in Montverde, Florida

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

The average cost of full coverage in the Montverde dipped by $220 in January compared to $237 of December. In other words, there has been an decrease by $17 when you compare January and December.

The average cost of liability insurance in the Montverde dipped to $71 in January, compared to $72 in December. This represents an decrease of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Montverde?

The car insurance in Montverde is $52 per month, which is lower than the national average.

What is the cheapest car insurance in Montverde?

The cheapest car insurance in Montverde is $140 per month for full coverage.

How much is car insurance in Montverde for teenagers?

Car insurance for teenagers costs $465 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 Montverde?

The average cost of car insurance is $1625 for a six-month policy. It will cost around $235 per month to insure your car in Montverde.

Is car insurance expensive in Montverde?

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

Cheapest Car Insurance Quotes in Montverde

Why you can trust Way?

How Much Is Car Insurance in Montverde

Avg. Car Insurance in Montverde

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Montverde

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Montverde Car Insurance Rates by Company

Cheap Car Insurance Companies in Montverde, FL

Way's key takeaways about car insurance in Montverde

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Montverde

Cheapest Liability Coverage in Montverde, FL

Cheapest Full Coverage Car Insurance in Montverde

Cheapest Full Coverage Car Insurance Quotes in Montverde, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Montverde by Rating Factor

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

Car Insurance Premiums by Age in Montverde

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Montverde,FL

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

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 Montverde

Cheapest Car Insurance Companies after an At-Fault Accident in Montverde

Montverde Car Insurance Rates by Violation

Montverde auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Montverde after a DUI

Montverde car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Montverde after Speeding ticket

Car Insurance Price Trends in Montverde, Florida

Average Car Insurance Cost in Montverde by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Montverde, FL

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

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