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Finding the cheapest car insurance quotes in Orange Springs 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 Orange Springs
The car insurance rate in Orange Springs is $1361 for a six-month policy, which is $240 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $869, making it a popular choice for budget-conscious drivers. Rates in Orange Springs 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.
Cheapest Car Insurance Companies in Orange Springs
1st place: Travelers
At $869 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 $924 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Nationwide
Nationwide offers auto insurance
rates at $1075
for six months, making it
the third cheapest auto insurance company in Orange Springs.
Orange Springs Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Orange Springs, FL is Travelers, offering policies at just $869 for a six-month term. This is followed by State Farm, which has an average six-month premium of $924.
At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $813 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Orange Springs drivers find the best deals.
Cheap Car Insurance Companies in Orange Springs, FL
Way's key takeaways about car insurance in Orange Springs
The auto insurance costs in Orange Springs fall around $869 for six
months.
The cheapest auto insurance company in Orange Springs is Patrons Insurance.
Teen drivers pay the highest rate in Orange Springs at $1174 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 Orange Springs
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 Orange Springs are given below.
Patrons Insurance provides
the cheapest minimum car insurance
coverage in Orange Springs. Their Average 6 Month Premium is $106.
Metropolitan Group is the most
expensive at $323 for the same
period.
Cheapest Full Coverage Car Insurance in Orange Springs
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 Orange Springs is Travelers
at $146 per month and $869
for six months.
Cheapest Full Coverage Car Insurance Quotes in Orange Springs,
FL
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Instantly!
Average Car Insurance in Orange Springs 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 Orange Springs, FL increasing?
Despite maintaining a clean driving record, your car insurance rates
in Orange Springs, 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, Orange Springs's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Orange Springs
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
$1102
40s
Travelers
$832
50s
Travelers
$776
60s
Travelers
$765
Cheapest Car Insurance Rates for Teen Drivers in
Orange Springs,FL
If you are planning to get a car insurance policy for your teenage
dependent, Nationwide provides the cheapest car
insurance in the Orange Springs at $77
per
month. At $6902 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties Travelers is
the best choice for car
insurance in Orange Springs.
As young drivers face the highest rates in Orange Springs, Travelers
offers the cheapest auto insurance rates at $1102 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 Orange Springs,
Nationwide is
the cheapest car insurance provider. At $550 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
Orange Springs is Allstate, offering
rates of around $4413 for six
months.
Save up to $971/yr on car insurance rates in Orange Springs.
Car Insurance Rates with An Accident in Orange Springs
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 Orange Springs, FL,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Orange Springs
The cheapest car insurance companies after an at-fault accident in
Orange Springs include Nationwide
and AIG, offering $581
and $742,
respectively. National General is an expensive provider
with an average six-month premium of
$898.
Here is a list of driving violations that can increase your car
insurance rates in Orange Springs FL. For example, the car
insurance in Orange Springs
after a DUI increases to $798 for a six
month policy. While the rate increases by $243 for a six-month policy in the case of
a speeding ticket.
Orange Springs auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1550
$258
One Med/PIP claim
$1550
$264
Not-at-fault accident
$1676
$280
Two Med/PIP claims
$1722
$292
One comp claim
$1747
$292
Child safety restraint
$1752
$298
Failure to wear a seat belt
$1752
$292
Driving without lights
$1757
$298
Failure to show documents
$1757
$293
Speeding 6 - 10 MPH over limit
$1793
$305
Improper passing
$1798
$299
Passing school bus
$1798
$306
Wrong way/wrong lane
$1798
$299
Failure to stop at a red light
$1803
$307
Failure to yield
$1803
$300
Illegal turn
$1803
$307
Cell phone violation
$1808
$301
Driving with expired registration
$1808
$308
Following too closely
$1808
$301
Texting while driving
$1812
$309
Two comp claims
$1853
$309
Driving too slowly
$1863
$317
Speeding in school zone
$1863
$310
Speeding 11 - 15 MPH over limit
$1868
$318
In 65 MPH zone
$1934
$322
Speeding 16 - 20 MPH over limit
$1934
$329
Speeding 21 - 25 MPH over limit
$1944
$324
Open container
$1964
$334
Operating a vehicle without permission
$1964
$327
At-fault accident - less than $1000
$2131
$362
At-fault accident - $1000-$2000
$2166
$361
At-fault accident - greater than $2000
$2166
$368
Racing
$2343
$390
DUI
$2348
$400
Refusal to submit to a chemical test
$2348
$391
Driving with a suspended license
$2389
$406
Reckless driving
$2439
$406
Leaving scene of an accident/hit and run
$2464
$419
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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 Orange Springs 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 Orange Springs.
The cheapest car insurance premiums in
Orange Springs are
offered by AIG at $546 for a six-month policy.
However, it can be as
expensive as $677 with companies
like National General.
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 Orange Springs are offered by Nationwide
at $474. However,
it can be as expensive as $2464
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Orange Springs after Speeding ticket
Car Insurance Price Trends in Orange Springs,
Florida
Car insurance rates in Orange Springs have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Orange Springs remained steady at $235 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Orange Springs remained steady at $71 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Orange Springs 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
Orange Springs. 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 Orange Springs?
The car insurance in Orange Springs is $18 per month, which is lower than the national average.
What is the cheapest car insurance in Orange Springs?
The cheapest car insurance in Orange Springs
is $146 per month
for full coverage.
How much is car insurance in Orange Springs for teenagers?
Car insurance for teenagers costs $460 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
Orange Springs?
The average cost of car insurance is $1601 for a six-month
policy. It will cost around $229 per month to insure your
car in Orange Springs.
Is car insurance expensive in Orange Springs?
Car insurance can be expensive in Orange Springs if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Orange Springs can be
affordable.
What is the best car insurance in Orange Springs,
FL?
The best car insurance company in Orange Springs
FL is
Travelers, offering $869 for a
six-month policy.
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Orange Springs Car Insurance
