Cheapest Car Insurance Quotes in Pinewood

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Pinewood Car Insurance

^$ 31

/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 Pinewood

The car insurance rate in Pinewood is $2385 for a six-month policy, which is $784 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1523, making it a popular choice for budget-conscious drivers. Rates in Pinewood 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 Pinewood

$2385

Avg. Car Insurance in Florida

$1601

National Average

$1140

Cheapest Car Insurance Companies in Pinewood

1st place: Travelers

At $1523 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 $1620 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1885 for six months, making it the third cheapest auto insurance company in Pinewood.

Pinewood Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Pinewood, FL is Travelers, offering policies at just $1523 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1620.

At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $1424 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pinewood drivers find the best deals.

Cheap Car Insurance Companies in Pinewood, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1523	$256
State Farm	$1620	$273
Nationwide	$1885	$317
United Automobile Ins Group	$2035	$340
Progressive	$2125	$358
UAIC	$2125	$355
MetLife	$2239	$381
Farmers	$3558	$593
Mercury	$3841	$653
Allstate	$3868	$651
Metropolitan Group	$1424	$237

Key Takeaways

Way's key takeaways about car insurance in Pinewood

The auto insurance costs in Pinewood fall around $1523 for six months.
The cheapest auto insurance company in Pinewood is Patrons Insurance.
Teen drivers pay the highest rate in Pinewood at $2058 per month.

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Cheapest Minimum Liability Car Insurance in Pinewood

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 Pinewood are given below.

Patrons Insurance provides the cheapest minimum car insurance coverage in Pinewood. Their Average 6 Month Premium is $186. Metropolitan Group is the most expensive at $566 for the same period.

Cheapest Liability Coverage in Pinewood, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$186	$31
Travelers	$566	$95
State Farm	$602	$101
Mercury	$638	$107
Nationwide	$708	$121
Farmers	$982	$164
AIG	$1000	$170
Progressive	$1044	$176
United Automobile Ins Group	$1071	$182
UAIC	$1159	$194
Allstate	$1337	$225
Metropolitan Group	$566	$94

Cheapest Full Coverage Car Insurance in Pinewood

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 Pinewood is Travelers at $256 per month and $1523 for six months.

Cheapest Full Coverage Car Insurance Quotes in Pinewood, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1523	$256
State Farm	$1620	$273
Nationwide	$1885	$317
United Automobile Ins Group	$2035	$340
Progressive	$2125	$358
UAIC	$2125	$355
MetLife	$2239	$381
Farmers	$3558	$593
Mercury	$3841	$653
Allstate	$3868	$651
Metropolitan Group	$1424	$237

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Average Car Insurance in Pinewood 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 Pinewood, FL increasing?

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

Car Insurance Premiums by Age in Pinewood

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	$1933
40s	Travelers	$1459
50s	Travelers	$1360
60s	Travelers	$1341

Cheapest Car Insurance Rates for Teen Drivers in Pinewood,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Pinewood at $134 per month. At $12099 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$806	$134
AIG	$1089	$185
Travelers	$2469	$416
State Farm	$3248	$547
UAIC	$4832	$806
United Automobile Ins Group	$5018	$854
Allstate	$7611	$1281
Mercury	$9435	$1588
Progressive	$10081	$1697
Farmers	$12099	$2058

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 Pinewood.

As young drivers face the highest rates in Pinewood, Travelers offers the cheapest auto insurance rates at $1933 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 Pinewood, Nationwide is the cheapest car insurance provider. At $964 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 Pinewood is Allstate, offering rates of around $7736 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$964	$164
Mercury	$1053	$176
Direct General Insurance	$1098	$186
Travelers	$2089	$352
UAIC	$2125	$361
Progressive	$4106	$684
Farmers	$4921	$837
State Farm	$7373	$1229
Allstate	$7736	$1316

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Car Insurance Rates with An Accident in Pinewood

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

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

The cheapest car insurance companies after an at-fault accident in Pinewood include Nationwide and AIG, offering $1018 and $1301, respectively. National General is an expensive provider with an average six-month premium of $1575.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$1018	$170
AIG	$1301	$221
Travelers	$1469	$247
State Farm	$1514	$255
United Automobile Ins Group	$2646	$441
Mercury	$2734	$460
UAIC	$2770	$462
Progressive	$3628	$611
Farmers	$4965	$827
Allstate	$6717	$1131
National General	$1575	$268

Pinewood Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Pinewood FL. For example, the car insurance in Pinewood after a DUI increases to $1397 for a six month policy. While the rate increases by $424 for a six-month policy in the case of a speeding ticket.

Pinewood auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2718	$453
One Med/PIP claim	$2718	$462
Not-at-fault accident	$2938	$490
Two Med/PIP claims	$3019	$513
One comp claim	$3062	$511
Child safety restraint	$3071	$522
Failure to wear a seat belt	$3071	$513
Driving without lights	$3080	$523
Failure to show documents	$3080	$514
Speeding 6 - 10 MPH over limit	$3142	$535
Improper passing	$3151	$524
Passing school bus	$3151	$536
Wrong way/wrong lane	$3151	$524
Failure to stop at a red light	$3160	$538
Failure to yield	$3160	$526
Illegal turn	$3160	$538
Cell phone violation	$3169	$527
Driving with expired registration	$3169	$539
Following too closely	$3169	$527
Texting while driving	$3177	$541
Two comp claims	$3248	$541
Driving too slowly	$3266	$556
Speeding in school zone	$3266	$544
Speeding 11 - 15 MPH over limit	$3275	$557
In 65 MPH zone	$3390	$565
Speeding 16 - 20 MPH over limit	$3390	$577
Speeding 21 - 25 MPH over limit	$3408	$568
Open container	$3443	$586
Operating a vehicle without permission	$3443	$574
At-fault accident - less than $1000	$3735	$635
At-fault accident - $1000-$2000	$3797	$633
At-fault accident - greater than $2000	$3797	$645
Racing	$4106	$684
DUI	$4115	$700
Refusal to submit to a chemical test	$4115	$685
Driving with a suspended license	$4187	$712
Reckless driving	$4275	$712
Leaving scene of an accident/hit and run	$4320	$735

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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 Pinewood 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 Pinewood.

The cheapest car insurance premiums in Pinewood are offered by AIG at $957 for a six-month policy. However, it can be as expensive as $1186 with companies like National General.

Pinewood car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$957	$159
Travelers	$1523	$256
State Farm	$1849	$311
Progressive	$1867	$314
Allstate	$3399	$572
UAIC	$3744	$636
Farmers	$4045	$673
National General	$1186	$198

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 Pinewood are offered by Nationwide at $831. However, it can be as expensive as $4320 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Pinewood after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$831	$142
State Farm	$1071	$180
Travelers	$1283	$216
UAIC	$2125	$355
Allstate	$2435	$410
Progressive	$3513	$586
Farmers	$4320	$735

Car Insurance Price Trends in Pinewood, Florida

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

The average cost of full coverage in the Pinewood remained steady at $411 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Pinewood remained steady at $125 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 Pinewood?

The car insurance in Pinewood is $31 per month, which is lower than the national average.

What is the cheapest car insurance in Pinewood?

The cheapest car insurance in Pinewood is $256 per month for full coverage.

How much is car insurance in Pinewood for teenagers?

Car insurance for teenagers costs $806 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 Pinewood?

The average cost of car insurance is $1601 for a six-month policy. It will cost around $401 per month to insure your car in Pinewood.

Is car insurance expensive in Pinewood?

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

Cheapest Car Insurance Quotes in Pinewood

Why you can trust Way?

How Much Is Car Insurance in Pinewood

Avg. Car Insurance in Pinewood

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Pinewood

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Pinewood Car Insurance Rates by Company

Cheap Car Insurance Companies in Pinewood, FL

Way's key takeaways about car insurance in Pinewood

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Pinewood

Cheapest Liability Coverage in Pinewood, FL

Cheapest Full Coverage Car Insurance in Pinewood

Cheapest Full Coverage Car Insurance Quotes in Pinewood, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Pinewood by Rating Factor

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

Car Insurance Premiums by Age in Pinewood

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Pinewood,FL

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

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 Pinewood

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

Pinewood Car Insurance Rates by Violation

Pinewood auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Pinewood after a DUI

Pinewood car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Pinewood after Speeding ticket

Car Insurance Price Trends in Pinewood, Florida

Average Car Insurance Cost in Pinewood by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

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

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