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Finding the cheapest car insurance quotes in Mossy Head 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 Mossy Head
The car insurance rate in Mossy Head is $1266 for a six-month policy, which is $445 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $800, making it a popular choice for budget-conscious drivers. Rates in Mossy Head 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 $800 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 $835 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Nationwide
Nationwide offers auto insurance
rates at $875
for six months, making it
the third cheapest auto insurance company in Mossy Head.
Mossy Head Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Mossy Head, FL is Travelers, offering policies at just $800 for a six-month term. This is followed by State Farm, which has an average six-month premium of $835.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1767 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mossy Head drivers find the best deals.
Way's key takeaways about car insurance in Mossy Head
The auto insurance costs in Mossy Head fall around $800 for six
months.
The cheapest auto insurance company in Mossy Head is Mercury.
Teen drivers pay the highest rate in Mossy Head at $1022 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 Mossy Head
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 Mossy Head are given below.
Mercury provides
the cheapest minimum car insurance
coverage in Mossy Head. Their Average 6 Month Premium is $317.
Farmers is the most
expensive at $488 for the same
period.
Cheapest Full Coverage Car Insurance in Mossy Head
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 Mossy Head is Travelers
at $135 per month and $800
for six months.
Cheapest Full Coverage Car Insurance Quotes in Mossy Head,
FL
Get Your Car Insurance Quote in Mossy Head
Instantly!
Average Car Insurance in Mossy Head 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 Mossy Head, FL increasing?
Despite maintaining a clean driving record, your car insurance rates
in Mossy Head, 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, Mossy Head's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Mossy Head
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
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Cheapest Car Insurance Rates for Teen Drivers in
Mossy Head,FL
If you are planning to get a car insurance policy for your teenage
dependent, Nationwide provides the cheapest car
insurance in the Mossy Head at $67
per
month. At $6009 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 Mossy Head.
As young drivers face the highest rates in Mossy Head, 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 Mossy Head,
Nationwide is
the cheapest car insurance provider. At $479 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
Mossy Head is Farmers, offering
rates of around $2444 for six
months.
Save up to $971/yr on car insurance rates in Mossy Head.
Car Insurance Rates with An Accident in Mossy Head
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 Mossy Head, FL,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Mossy Head
The cheapest car insurance companies after an at-fault accident in
Mossy Head include Nationwide
and AIG, offering $505
and $646,
respectively. Farmers is an expensive provider
with an average six-month premium of
$2466.
Here is a list of driving violations that can increase your car
insurance rates in Mossy Head FL. For example, the car
insurance in Mossy Head
after a DUI increases to $694 for a six
month policy. While the rate increases by $211 for a six-month policy in the case of
a speeding ticket.
Mossy Head auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1350
$225
One Med/PIP claim
$1350
$229
Not-at-fault accident
$1459
$243
Two Med/PIP claims
$1499
$255
One comp claim
$1521
$254
Child safety restraint
$1525
$259
Failure to wear a seat belt
$1525
$255
Driving without lights
$1530
$260
Failure to show documents
$1530
$255
Speeding 6 - 10 MPH over limit
$1561
$266
Improper passing
$1565
$260
Passing school bus
$1565
$266
Wrong way/wrong lane
$1565
$260
Failure to stop at a red light
$1570
$267
Failure to yield
$1570
$261
Illegal turn
$1570
$267
Cell phone violation
$1574
$262
Driving with expired registration
$1574
$268
Following too closely
$1574
$262
Texting while driving
$1578
$269
Two comp claims
$1613
$269
Driving too slowly
$1622
$276
Speeding in school zone
$1622
$270
Speeding 11 - 15 MPH over limit
$1627
$277
In 65 MPH zone
$1684
$280
Speeding 16 - 20 MPH over limit
$1684
$286
Speeding 21 - 25 MPH over limit
$1692
$282
Open container
$1710
$291
Operating a vehicle without permission
$1710
$285
At-fault accident - less than $1000
$1855
$315
At-fault accident - $1000-$2000
$1886
$315
At-fault accident - greater than $2000
$1886
$320
Racing
$2039
$340
DUI
$2044
$348
Refusal to submit to a chemical test
$2044
$340
Driving with a suspended license
$2079
$354
Reckless driving
$2123
$354
Leaving scene of an accident/hit and run
$2145
$365
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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 Mossy Head 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 Mossy Head.
The cheapest car insurance premiums in
Mossy Head are
offered by AIG at $475 for a six-month policy.
However, it can be as
expensive as $2009 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 Mossy Head are offered by Nationwide
at $413. However,
it can be as expensive as $2145
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Mossy Head after Speeding ticket
Car insurance rates in Mossy Head have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Mossy Head rose by
$209 in March
compared to $189 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 Mossy Head rose to $142 in March,
compared to $61 in February.
This represents an increase of $81
when comparing March and February.
Average Car Insurance Cost in Mossy Head 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
Mossy Head. 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
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Frequently Asked Questions
How much is car insurance in Mossy Head?
The car insurance in Mossy Head is $53 per month, which is lower than the national average.
What is the cheapest car insurance in Mossy Head?
The cheapest car insurance in Mossy Head
is $135 per month
for full coverage.
How much is car insurance in Mossy Head for teenagers?
Car insurance for teenagers costs $400 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
Mossy Head?
The average cost of car insurance is $1711 for a six-month
policy. It will cost around $212 per month to insure your
car in Mossy Head.
Is car insurance expensive in Mossy Head?
Car insurance can be expensive in Mossy Head if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Mossy Head can be
affordable.
What is the best car insurance in Mossy Head,
FL?
The best car insurance company in Mossy Head
FL is
Travelers, offering $800 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Mossy Head, FL
Car Insurance Rates by State in the USA (2025 Update)
Mossy Head Car Insurance
