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O Brien Car Insurance
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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.
The car insurance rate in the O Brien is $1311, which is $328 lower than the state average. Travelers offers the cheapest insurance rates in the city at $727 for a six-month policy.
$1311
$1639
$1146
At $727 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.
Nationwide offers auto insurance rates at $746 for a six-month policy, making it one of the cheapest to insure with.
State Farm offers auto insurance rates at $903 for six months, making it the third cheapest auto insurance company in O Brien.
Based on our research, the cheapest car insurance companies in O Brien FL include Travelers, offering $727 for a six-month policy. This is followed by Nationwide, with an average six-month premium of $746. Mercury is the most expensive, at $2062.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $727 | $122 |
| Nationwide | $746 | $124 |
| State Farm | $903 | $152 |
| United Automobile Ins Group | $1093 | $182 |
| UAIC | $1141 | $194 |
| Progressive | $1307 | $220 |
| Farmers | $1910 | $325 |
| Allstate | $1915 | $322 |
| Mercury | $2062 | $350 |
Save up to $971/yr with our auto insurance quotes
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 O Brien are given below.
Travelers provides the cheapest minimum car insurance coverage in O Brien. Their Average 6 Month Premium is $247. Allstate is the most expensive at $632 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $247 | $42 |
| State Farm | $318 | $54 |
| Mercury | $342 | $58 |
| Nationwide | $380 | $65 |
| MetLife | $399 | $66 |
| AIG | $437 | $74 |
| Farmers | $527 | $88 |
| Progressive | $546 | $92 |
| United Automobile Ins Group | $575 | $96 |
| UAIC | $622 | $106 |
| Allstate | $632 | $106 |
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 O Brien is Travelers at $122 per month and $727 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $727 | $122 |
| Nationwide | $746 | $124 |
| State Farm | $903 | $152 |
| United Automobile Ins Group | $1093 | $182 |
| UAIC | $1141 | $194 |
| Progressive | $1307 | $220 |
| Farmers | $1910 | $325 |
| Allstate | $1915 | $322 |
| Mercury | $2062 | $350 |
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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.
Despite maintaining a clean driving record, your car insurance rates in O Brien, 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, O Brien's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
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.
| Age Group | Cheapest Companies | Avg. 6 Mo. Premium |
|---|---|---|
| 20s | Travelers | $1038 |
| 40s | Travelers | $783 |
| 50s | Travelers | $730 |
| 60s | Travelers | $720 |
If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the O Brien at $74 per month. At $6496 for a six-month premium, Farmers offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Nationwide | $433 | $74 |
| Travelers | $1330 | $224 |
| State Farm | $1754 | $295 |
| UAIC | $2594 | $433 |
| United Automobile Ins Group | $2694 | $458 |
| Allstate | $3222 | $542 |
| Mercury | $5132 | $864 |
| Progressive | $5413 | $911 |
| Farmers | $6496 | $1105 |
Teen Car Insurance Rates in FL by Age
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.
For those with poor credit scores in O Brien, Nationwide is the cheapest car insurance provider. At $518 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 O Brien is Allstate, offering rates of around $4154 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Nationwide | $518 | $88 |
| Mercury | $566 | $94 |
| Direct General Insurance | $590 | $100 |
| Travelers | $1122 | $189 |
| UAIC | $1141 | $194 |
| Progressive | $2205 | $367 |
| Farmers | $2642 | $450 |
| State Farm | $3958 | $660 |
| Allstate | $4154 | $706 |
Save up to $971/yr on car insurance rates in O Brien.
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 O Brien, FL, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in O Brien include Nationwide and State Farm, offering $746 and $770, respectively. Farmers is an expensive provider with an average six-month premium of $2666.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Nationwide | $746 | $126 |
| State Farm | $770 | $130 |
| Travelers | $794 | $134 |
| National General | $846 | $144 |
| United Automobile Ins Group | $1421 | $237 |
| UAIC | $1487 | $253 |
| Progressive | $1568 | $264 |
| Mercury | $2062 | $350 |
| Allstate | $2638 | $444 |
| Farmers | $2666 | $454 |
Here is a list of driving violations that can increase your car insurance rates in O Brien FL. For example, the car insurance in O Brien after a DUI increases to $751 for a six month policy. While the rate increases by $228 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1459 | $243 |
| One Med/PIP claim | $1459 | $248 |
| Not-at-fault accident | $1578 | $263 |
| Two Med/PIP claims | $1621 | $275 |
| One comp claim | $1644 | $274 |
| Child safety restraint | $1649 | $280 |
| Failure to wear a seat belt | $1649 | $275 |
| Driving without lights | $1654 | $281 |
| Failure to show documents | $1654 | $276 |
| Speeding 6 - 10 MPH over limit | $1687 | $287 |
| Improper passing | $1692 | $282 |
| Passing school bus | $1692 | $288 |
| Wrong way/wrong lane | $1692 | $282 |
| Failure to stop at a red light | $1697 | $289 |
| Failure to yield | $1697 | $282 |
| Illegal turn | $1697 | $289 |
| Cell phone violation | $1702 | $283 |
| Driving with expired registration | $1702 | $290 |
| Following too closely | $1702 | $283 |
| Texting while driving | $1706 | $290 |
| Two comp claims | $1744 | $290 |
| Driving too slowly | $1754 | $298 |
| Speeding in school zone | $1754 | $292 |
| Speeding 11 - 15 MPH over limit | $1758 | $299 |
| In 65 MPH zone | $1820 | $303 |
| Speeding 16 - 20 MPH over limit | $1820 | $310 |
| Speeding 21 - 25 MPH over limit | $1830 | $305 |
| Open container | $1849 | $314 |
| Operating a vehicle without permission | $1849 | $308 |
| At-fault accident - less than $1000 | $2006 | $341 |
| At-fault accident - $1000-$2000 | $2038 | $340 |
| At-fault accident - greater than $2000 | $2038 | $346 |
| Racing | $2205 | $367 |
| DUI | $2210 | $376 |
| Refusal to submit to a chemical test | $2210 | $368 |
| Driving with a suspended license | $2248 | $382 |
| Reckless driving | $2295 | $382 |
| Leaving scene of an accident/hit and run | $2319 | $394 |
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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.
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 O Brien.
The cheapest car insurance premiums in O Brien are offered by National General at $637 for a six-month policy. However, it can be as expensive as $2172 with companies like Farmers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| National General | $637 | $106 |
| Travelers | $827 | $139 |
| State Farm | $1002 | $169 |
| Progressive | $1117 | $188 |
| Allstate | $1478 | $249 |
| UAIC | $2010 | $342 |
| Farmers | $2172 | $362 |
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 O Brien are offered by Nationwide at $446. However, it can be as expensive as $2319 with companies like Farmers for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Nationwide | $446 | $74 |
| State Farm | $575 | $97 |
| Travelers | $689 | $116 |
| UAIC | $1141 | $194 |
| Allstate | $1307 | $220 |
| Progressive | $1886 | $321 |
| Farmers | $2319 | $386 |
Car insurance rates in O Brien have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the O Brien rose by $225 in December compared to $222 of November. In other words, there has been an increase by $3 when you compare December and November.
The average cost of liability insurance in the O Brien rose to $70 in December, compared to $69 in November. This represents an increase of $1 when comparing December and November.
How much is car insurance in O Brien?
The car insurance in O Brien is $42 per month, which is lower than the national average.
What is the cheapest car insurance in O Brien?
The cheapest car insurance in O Brien is $122 per month for full coverage.
How much is car insurance in O Brien for teenagers?
Car insurance for teenagers costs $433 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 O Brien?
The average cost of car insurance is $1639 for a six-month policy. It will cost around $221 per month to insure your car in O Brien.
Is car insurance expensive in O Brien?
Car insurance can be expensive in O Brien if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in O Brien can be affordable.
What is the best car insurance in O Brien, FL?
The best car insurance company in O Brien FL is Travelers, offering $727 for a six-month policy.
Cut auto insurance costs in O Brien right now.