Cheapest Car Insurance Quotes in Opa-locka

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Opa-locka Car Insurance

^$ 30

/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 Opa-locka

The car insurance rate in Opa-locka is $2321 for a six-month policy, which is $720 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1482, making it a popular choice for budget-conscious drivers. Rates in Opa-locka 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 Opa-locka

$2321

Avg. Car Insurance in Florida

$1601

National Average

$1140

Cheapest Car Insurance Companies in Opa-locka

1st place: Travelers

At $1482 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 $1576 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1834 for six months, making it the third cheapest auto insurance company in Opa-locka.

Opa-locka Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Opa-locka, FL is Travelers, offering policies at just $1482 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1576.

At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $1386 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Opa-locka drivers find the best deals.

Cheap Car Insurance Companies in Opa-locka, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1482	$249
State Farm	$1576	$265
Nationwide	$1834	$309
United Automobile Ins Group	$1981	$331
Progressive	$2068	$348
UAIC	$2068	$345
MetLife	$2179	$371
Farmers	$3463	$577
Mercury	$3738	$635
Allstate	$3764	$634
Metropolitan Group	$1386	$231

Key Takeaways

Way's key takeaways about car insurance in Opa-locka

The auto insurance costs in Opa-locka fall around $1482 for six months.
The cheapest auto insurance company in Opa-locka is Patrons Insurance.
Teen drivers pay the highest rate in Opa-locka at $2002 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 Opa-locka

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 Opa-locka are given below.

Patrons Insurance provides the cheapest minimum car insurance coverage in Opa-locka. Their Average 6 Month Premium is $181. Metropolitan Group is the most expensive at $551 for the same period.

Cheapest Liability Coverage in Opa-locka, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$181	$30
Travelers	$551	$93
State Farm	$586	$99
Mercury	$621	$104
Nationwide	$689	$117
Farmers	$956	$160
AIG	$973	$165
Progressive	$1016	$171
United Automobile Ins Group	$1043	$177
UAIC	$1128	$189
Allstate	$1301	$219
Metropolitan Group	$551	$91

Cheapest Full Coverage Car Insurance in Opa-locka

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 Opa-locka is Travelers at $249 per month and $1482 for six months.

Cheapest Full Coverage Car Insurance Quotes in Opa-locka, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1482	$249
State Farm	$1576	$265
Nationwide	$1834	$309
United Automobile Ins Group	$1981	$331
Progressive	$2068	$348
UAIC	$2068	$345
MetLife	$2179	$371
Farmers	$3463	$577
Mercury	$3738	$635
Allstate	$3764	$634
Metropolitan Group	$1386	$231

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Average Car Insurance in Opa-locka 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 Opa-locka, FL increasing?

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

Car Insurance Premiums by Age in Opa-locka

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	$1881
40s	Travelers	$1420
50s	Travelers	$1324
60s	Travelers	$1305

Cheapest Car Insurance Rates for Teen Drivers in Opa-locka,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Opa-locka at $131 per month. At $11774 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$784	$131
AIG	$1060	$180
Travelers	$2403	$405
State Farm	$3161	$532
UAIC	$4702	$784
United Automobile Ins Group	$4884	$831
Allstate	$7407	$1247
Mercury	$9181	$1546
Progressive	$9811	$1652
Farmers	$11774	$2002

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 Opa-locka.

As young drivers face the highest rates in Opa-locka, Travelers offers the cheapest auto insurance rates at $1881 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 Opa-locka, Nationwide is the cheapest car insurance provider. At $938 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 Opa-locka is Allstate, offering rates of around $7528 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$938	$160
Mercury	$1025	$171
Direct General Insurance	$1069	$181
Travelers	$2033	$342
UAIC	$2068	$351
Progressive	$3996	$666
Farmers	$4789	$815
State Farm	$7175	$1196
Allstate	$7528	$1280

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Opa-locka.

Car Insurance Rates with An Accident in Opa-locka

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 Opa-locka, FL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Opa-locka

The cheapest car insurance companies after an at-fault accident in Opa-locka include Nationwide and AIG, offering $990 and $1266, respectively. National General is an expensive provider with an average six-month premium of $1533.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$990	$165
AIG	$1266	$215
Travelers	$1430	$241
State Farm	$1473	$248
United Automobile Ins Group	$2575	$429
Mercury	$2661	$448
UAIC	$2696	$450
Progressive	$3531	$595
Farmers	$4831	$805
Allstate	$6537	$1101
National General	$1533	$261

Opa-locka Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Opa-locka FL. For example, the car insurance in Opa-locka after a DUI increases to $1360 for a six month policy. While the rate increases by $413 for a six-month policy in the case of a speeding ticket.

Opa-locka auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2645	$441
One Med/PIP claim	$2645	$450
Not-at-fault accident	$2859	$477
Two Med/PIP claims	$2938	$499
One comp claim	$2980	$497
Child safety restraint	$2988	$508
Failure to wear a seat belt	$2988	$499
Driving without lights	$2997	$509
Failure to show documents	$2997	$500
Speeding 6 - 10 MPH over limit	$3058	$521
Improper passing	$3067	$510
Passing school bus	$3067	$522
Wrong way/wrong lane	$3067	$510
Failure to stop at a red light	$3075	$523
Failure to yield	$3075	$512
Illegal turn	$3075	$523
Cell phone violation	$3084	$513
Driving with expired registration	$3084	$525
Following too closely	$3084	$513
Texting while driving	$3091	$526
Two comp claims	$3161	$526
Driving too slowly	$3178	$541
Speeding in school zone	$3178	$529
Speeding 11 - 15 MPH over limit	$3187	$542
In 65 MPH zone	$3299	$550
Speeding 16 - 20 MPH over limit	$3299	$561
Speeding 21 - 25 MPH over limit	$3316	$552
Open container	$3351	$570
Operating a vehicle without permission	$3351	$558
At-fault accident - less than $1000	$3635	$618
At-fault accident - $1000-$2000	$3695	$616
At-fault accident - greater than $2000	$3695	$628
Racing	$3996	$666
DUI	$4005	$682
Refusal to submit to a chemical test	$4005	$667
Driving with a suspended license	$4075	$693
Reckless driving	$4160	$693
Leaving scene of an accident/hit and run	$4204	$715

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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 Opa-locka 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 Opa-locka.

The cheapest car insurance premiums in Opa-locka are offered by AIG at $931 for a six-month policy. However, it can be as expensive as $1154 with companies like National General.

Opa-locka car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$931	$155
Travelers	$1482	$249
State Farm	$1799	$303
Progressive	$1817	$306
Allstate	$3307	$557
UAIC	$3644	$619
Farmers	$3937	$655
National General	$1154	$193

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 Opa-locka are offered by Nationwide at $809. However, it can be as expensive as $4204 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Opa-locka after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$809	$138
State Farm	$1043	$175
Travelers	$1248	$210
UAIC	$2068	$345
Allstate	$2369	$399
Progressive	$3419	$570
Farmers	$4204	$715

Car Insurance Price Trends in Opa-locka, Florida

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

The average cost of full coverage in the Opa-locka remained steady at $400 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Opa-locka remained steady at $122 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 Opa-locka?

The car insurance in Opa-locka is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Opa-locka?

The cheapest car insurance in Opa-locka is $249 per month for full coverage.

How much is car insurance in Opa-locka for teenagers?

Car insurance for teenagers costs $784 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 Opa-locka?

The average cost of car insurance is $1601 for a six-month policy. It will cost around $390 per month to insure your car in Opa-locka.

Is car insurance expensive in Opa-locka?

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

Cheapest Car Insurance Quotes in Opa-locka

Why you can trust Way?

How Much Is Car Insurance in Opa-locka

Avg. Car Insurance in Opa-locka

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Opa-locka

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Opa-locka Car Insurance Rates by Company

Cheap Car Insurance Companies in Opa-locka, FL

Way's key takeaways about car insurance in Opa-locka

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Opa-locka

Cheapest Liability Coverage in Opa-locka, FL

Cheapest Full Coverage Car Insurance in Opa-locka

Cheapest Full Coverage Car Insurance Quotes in Opa-locka, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Opa-locka by Rating Factor

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

Car Insurance Premiums by Age in Opa-locka

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Opa-locka,FL

If you are in your twenties Travelers is the best choice for car insurance in Opa-locka.

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 Opa-locka

Cheapest Car Insurance Companies after an At-Fault Accident in Opa-locka

Opa-locka Car Insurance Rates by Violation

Opa-locka auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Opa-locka after a DUI

Opa-locka car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Opa-locka after Speeding ticket

Car Insurance Price Trends in Opa-locka, Florida

Average Car Insurance Cost in Opa-locka by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Opa-locka, FL

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

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