Cheapest Car Insurance Quotes in Oldsmar

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Oldsmar 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 Oldsmar

The car insurance rate in Oldsmar is $1793 for a six-month policy, which is $192 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1145, making it a popular choice for budget-conscious drivers. Rates in Oldsmar 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 Oldsmar

$1793

Avg. Car Insurance in Florida

$1601

National Average

$1140

Cheapest Car Insurance Companies in Oldsmar

1st place: Travelers

At $1145 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 $1217 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1417 for six months, making it the third cheapest auto insurance company in Oldsmar.

Oldsmar Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Oldsmar, FL is Travelers, offering policies at just $1145 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1217.

At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $1071 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Oldsmar drivers find the best deals.

Cheap Car Insurance Companies in Oldsmar, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1145	$193
State Farm	$1217	$205
Nationwide	$1417	$239
United Automobile Ins Group	$1530	$255
Progressive	$1597	$269
UAIC	$1597	$267
MetLife	$1683	$287
Farmers	$2675	$446
Mercury	$2887	$491
Allstate	$2908	$489
Metropolitan Group	$1071	$178

Key Takeaways

Way's key takeaways about car insurance in Oldsmar

The auto insurance costs in Oldsmar fall around $1145 for six months.
The cheapest auto insurance company in Oldsmar is Patrons Insurance.
Teen drivers pay the highest rate in Oldsmar at $1547 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Oldsmar

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 Oldsmar are given below.

Patrons Insurance provides the cheapest minimum car insurance coverage in Oldsmar. Their Average 6 Month Premium is $140. Metropolitan Group is the most expensive at $426 for the same period.

Cheapest Liability Coverage in Oldsmar, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$140	$24
Travelers	$426	$72
State Farm	$452	$76
Mercury	$479	$81
Nationwide	$532	$91
Farmers	$738	$123
AIG	$752	$128
Progressive	$785	$132
United Automobile Ins Group	$805	$137
UAIC	$871	$146
Allstate	$1005	$169
Metropolitan Group	$426	$71

Cheapest Full Coverage Car Insurance in Oldsmar

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 Oldsmar is Travelers at $193 per month and $1145 for six months.

Cheapest Full Coverage Car Insurance Quotes in Oldsmar, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1145	$193
State Farm	$1217	$205
Nationwide	$1417	$239
United Automobile Ins Group	$1530	$255
Progressive	$1597	$269
UAIC	$1597	$267
MetLife	$1683	$287
Farmers	$2675	$446
Mercury	$2887	$491
Allstate	$2908	$489
Metropolitan Group	$1071	$178

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Average Car Insurance in Oldsmar 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 Oldsmar, FL increasing?

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

Car Insurance Premiums by Age in Oldsmar

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	$1453
40s	Travelers	$1096
50s	Travelers	$1023
60s	Travelers	$1008

Cheapest Car Insurance Rates for Teen Drivers in Oldsmar,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Oldsmar at $101 per month. At $9094 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$606	$101
AIG	$819	$139
Travelers	$1856	$312
State Farm	$2442	$411
UAIC	$3632	$606
United Automobile Ins Group	$3772	$642
Allstate	$5721	$963
Mercury	$7092	$1194
Progressive	$7578	$1276
Farmers	$9094	$1547

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 Oldsmar.

As young drivers face the highest rates in Oldsmar, Travelers offers the cheapest auto insurance rates at $1453 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 Oldsmar, Nationwide is the cheapest car insurance provider. At $725 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 Oldsmar is Allstate, offering rates of around $5815 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$725	$123
Mercury	$792	$132
Direct General Insurance	$825	$140
Travelers	$1570	$264
UAIC	$1597	$271
Progressive	$3087	$514
Farmers	$3699	$629
State Farm	$5542	$924
Allstate	$5815	$989

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Car Insurance Rates with An Accident in Oldsmar

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

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

The cheapest car insurance companies after an at-fault accident in Oldsmar include Nationwide and AIG, offering $765 and $978, respectively. National General is an expensive provider with an average six-month premium of $1184.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$765	$128
AIG	$978	$166
Travelers	$1104	$186
State Farm	$1138	$192
United Automobile Ins Group	$1989	$332
Mercury	$2055	$346
UAIC	$2082	$347
Progressive	$2727	$459
Farmers	$3732	$622
Allstate	$5049	$850
National General	$1184	$202

Oldsmar Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Oldsmar FL. For example, the car insurance in Oldsmar after a DUI increases to $1050 for a six month policy. While the rate increases by $319 for a six-month policy in the case of a speeding ticket.

Oldsmar auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2043	$340
One Med/PIP claim	$2043	$347
Not-at-fault accident	$2209	$368
Two Med/PIP claims	$2269	$385
One comp claim	$2302	$384
Child safety restraint	$2308	$392
Failure to wear a seat belt	$2308	$385
Driving without lights	$2315	$393
Failure to show documents	$2315	$386
Speeding 6 - 10 MPH over limit	$2362	$402
Improper passing	$2369	$394
Passing school bus	$2369	$403
Wrong way/wrong lane	$2369	$394
Failure to stop at a red light	$2376	$404
Failure to yield	$2376	$395
Illegal turn	$2376	$404
Cell phone violation	$2382	$396
Driving with expired registration	$2382	$405
Following too closely	$2382	$396
Texting while driving	$2388	$407
Two comp claims	$2442	$407
Driving too slowly	$2455	$418
Speeding in school zone	$2455	$409
Speeding 11 - 15 MPH over limit	$2462	$419
In 65 MPH zone	$2548	$424
Speeding 16 - 20 MPH over limit	$2548	$433
Speeding 21 - 25 MPH over limit	$2561	$427
Open container	$2588	$440
Operating a vehicle without permission	$2588	$431
At-fault accident - less than $1000	$2808	$477
At-fault accident - $1000-$2000	$2854	$476
At-fault accident - greater than $2000	$2854	$485
Racing	$3087	$514
DUI	$3093	$526
Refusal to submit to a chemical test	$3093	$515
Driving with a suspended license	$3147	$535
Reckless driving	$3213	$535
Leaving scene of an accident/hit and run	$3247	$552

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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 Oldsmar 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 Oldsmar.

The cheapest car insurance premiums in Oldsmar are offered by AIG at $719 for a six-month policy. However, it can be as expensive as $892 with companies like National General.

Oldsmar car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$719	$120
Travelers	$1145	$193
State Farm	$1390	$234
Progressive	$1403	$236
Allstate	$2555	$430
UAIC	$2815	$478
Farmers	$3041	$506
National General	$892	$149

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 Oldsmar are offered by Nationwide at $625. However, it can be as expensive as $3247 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Oldsmar after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$625	$106
State Farm	$805	$136
Travelers	$964	$162
UAIC	$1597	$267
Allstate	$1830	$308
Progressive	$2641	$440
Farmers	$3247	$552

Car Insurance Price Trends in Oldsmar, Florida

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

The average cost of full coverage in the Oldsmar remained steady at $309 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Oldsmar remained steady at $94 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Oldsmar?

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

What is the cheapest car insurance in Oldsmar?

The cheapest car insurance in Oldsmar is $193 per month for full coverage.

How much is car insurance in Oldsmar for teenagers?

Car insurance for teenagers costs $606 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 Oldsmar?

The average cost of car insurance is $1601 for a six-month policy. It will cost around $301 per month to insure your car in Oldsmar.

Is car insurance expensive in Oldsmar?

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

Cheapest Car Insurance Quotes in Oldsmar

Why you can trust Way?

How Much Is Car Insurance in Oldsmar

Avg. Car Insurance in Oldsmar

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Oldsmar

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Oldsmar Car Insurance Rates by Company

Cheap Car Insurance Companies in Oldsmar, FL

Way's key takeaways about car insurance in Oldsmar

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Oldsmar

Cheapest Liability Coverage in Oldsmar, FL

Cheapest Full Coverage Car Insurance in Oldsmar

Cheapest Full Coverage Car Insurance Quotes in Oldsmar, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Oldsmar by Rating Factor

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

Car Insurance Premiums by Age in Oldsmar

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Oldsmar,FL

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

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 Oldsmar

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

Oldsmar Car Insurance Rates by Violation

Oldsmar auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Oldsmar after a DUI

Oldsmar car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Oldsmar after Speeding ticket

Car Insurance Price Trends in Oldsmar, Florida

Average Car Insurance Cost in Oldsmar by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Oldsmar, FL

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

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