Cheapest Car Insurance Quotes in Point Baker

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Point Baker Car Insurance

^$ 52

/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 Point Baker

The car insurance rate in Point Baker is $1414 for a six-month policy, which is $211 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $842, making it a popular choice for budget-conscious drivers. Rates in Point Baker 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 Point Baker

$1414

Avg. Car Insurance in Florida

$1625

National Average

$1278

Cheapest Car Insurance Companies in Point Baker

1st place: Travelers

At $842 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 $940 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1028 for six months, making it the third cheapest auto insurance company in Point Baker.

Point Baker Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Point Baker, FL is Travelers, offering policies at just $842 for a six-month term. This is followed by State Farm, which has an average six-month premium of $940.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2078 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Point Baker drivers find the best deals.

Cheap Car Insurance Companies in Point Baker, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$842	$142
State Farm	$940	$158
Nationwide	$1028	$173
Progressive	$1090	$184
United Automobile Ins Group	$1188	$198
UAIC	$1302	$222
Allstate	$2124	$354
Mercury	$2243	$381
MetLife	$1308	$223
Farmers	$2078	$346

Key Takeaways

Way's key takeaways about car insurance in Point Baker

The auto insurance costs in Point Baker fall around $842 for six months.
The cheapest auto insurance company in Point Baker is Travelers.
Teen drivers pay the highest rate in Point Baker at $1201 per month.

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Cheapest Minimum Liability Car Insurance in Point Baker

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 Point Baker are given below.

Travelers provides the cheapest minimum car insurance coverage in Point Baker. Their Average 6 Month Premium is $310. Farmers is the most expensive at $573 for the same period.

Cheapest Liability Coverage in Point Baker, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$310	$52
State Farm	$336	$57
Mercury	$372	$63
Nationwide	$413	$70
MetLife	$434	$72
AIG	$485	$83
Progressive	$610	$103
United Automobile Ins Group	$626	$106
UAIC	$677	$113
Allstate	$775	$131
Patrons Insurance	$109	$18
Farmers	$573	$96

Cheapest Full Coverage Car Insurance in Point Baker

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 Point Baker is Travelers at $142 per month and $842 for six months.

Cheapest Full Coverage Car Insurance Quotes in Point Baker, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$842	$142
State Farm	$940	$158
Nationwide	$1028	$173
Progressive	$1090	$184
United Automobile Ins Group	$1188	$198
UAIC	$1302	$222
Allstate	$2124	$354
Mercury	$2243	$381
MetLife	$1308	$223
Farmers	$2078	$346

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Average Car Insurance in Point Baker 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 Point Baker, FL increasing?

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

Car Insurance Premiums by Age in Point Baker

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

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Cheapest Car Insurance Rates for Teen Drivers in Point Baker,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Point Baker at $78 per month. At $7064 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$471	$78
AIG	$636	$108
Travelers	$1385	$233
State Farm	$1664	$280
UAIC	$2217	$373
United Automobile Ins Group	$2930	$499
Allstate	$3617	$609
Progressive	$4656	$784
Mercury	$5509	$927
Farmers	$7064	$1201

Teen Car Insurance Rates in FL by Age

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 Point Baker, Nationwide is the cheapest car insurance provider. At $563 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 Point Baker is Farmers, offering rates of around $2874 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$563	$96
Mercury	$615	$103
Direct General Insurance	$641	$109
UAIC	$1246	$208
Travelers	$1364	$230
Progressive	$2398	$399
Allstate	$4206	$715
State Farm	$4305	$718
Farmers	$2874	$489

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Car Insurance Rates with An Accident in Point Baker

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

Cheapest Car Insurance Companies after an At-Fault Accident in Point Baker

The cheapest car insurance companies after an at-fault accident in Point Baker include Nationwide and AIG, offering $594 and $760, respectively. Farmers is an expensive provider with an average six-month premium of $2899.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$594	$99
AIG	$760	$129
State Farm	$884	$149
Travelers	$900	$151
United Automobile Ins Group	$1545	$258
Mercury	$1596	$269
UAIC	$1617	$270
Progressive	$2118	$357
Allstate	$3772	$635
Farmers	$2899	$483

Point Baker Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Point Baker FL. For example, the car insurance in Point Baker after a DUI increases to $816 for a six month policy. While the rate increases by $248 for a six-month policy in the case of a speeding ticket.

Point Baker auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1587	$264
One Med/PIP claim	$1587	$270
Not-at-fault accident	$1716	$286
Two Med/PIP claims	$1763	$299
One comp claim	$1788	$298
Child safety restraint	$1793	$305
Failure to wear a seat belt	$1793	$299
Driving without lights	$1798	$305
Failure to show documents	$1798	$300
Speeding 6 - 10 MPH over limit	$1835	$312
Improper passing	$1840	$306
Passing school bus	$1840	$313
Wrong way/wrong lane	$1840	$306
Failure to stop at a red light	$1845	$314
Failure to yield	$1845	$307
Illegal turn	$1845	$314
Cell phone violation	$1850	$308
Driving with expired registration	$1850	$315
Following too closely	$1850	$308
Texting while driving	$1855	$316
Two comp claims	$1897	$316
Driving too slowly	$1907	$325
Speeding in school zone	$1907	$318
Speeding 11 - 15 MPH over limit	$1912	$325
In 65 MPH zone	$1979	$330
Speeding 16 - 20 MPH over limit	$1979	$337
Speeding 21 - 25 MPH over limit	$1990	$331
Open container	$2011	$342
Operating a vehicle without permission	$2011	$335
At-fault accident - less than $1000	$2181	$371
At-fault accident - $1000-$2000	$2217	$370
At-fault accident - greater than $2000	$2217	$377
Racing	$2398	$399
DUI	$2403	$409
Refusal to submit to a chemical test	$2403	$400
Driving with a suspended license	$2445	$416
Reckless driving	$2496	$416
Leaving scene of an accident/hit and run	$2522	$429

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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 Point Baker 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 Point Baker.

The cheapest car insurance premiums in Point Baker are offered by AIG at $559 for a six-month policy. However, it can be as expensive as $2362 with companies like Farmers.

Point Baker car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$559	$95
Travelers	$914	$154
Progressive	$1049	$177
State Farm	$1261	$212
Allstate	$1705	$287
UAIC	$2192	$365
Farmers	$2362	$393

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 Point Baker are offered by Nationwide at $485. However, it can be as expensive as $2522 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Point Baker after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$485	$81
State Farm	$615	$104
Travelers	$698	$117
Allstate	$1830	$308
UAIC	$2000	$333
Progressive	$2450	$417
Farmers	$2522	$429

Car Insurance Price Trends in Point Baker, Florida

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

The average cost of full coverage in the Point Baker dipped by $223 in January compared to $240 of December. In other words, there has been an decrease by $17 when you compare January and December.

The average cost of liability insurance in the Point Baker dipped to $72 in January, compared to $73 in December. This represents an decrease of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Point Baker?

The car insurance in Point Baker is $52 per month, which is lower than the national average.

What is the cheapest car insurance in Point Baker?

The cheapest car insurance in Point Baker is $142 per month for full coverage.

How much is car insurance in Point Baker for teenagers?

Car insurance for teenagers costs $471 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 Point Baker?

The average cost of car insurance is $1625 for a six-month policy. It will cost around $238 per month to insure your car in Point Baker.

Is car insurance expensive in Point Baker?

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

Cheapest Car Insurance Quotes in Point Baker

Why you can trust Way?

How Much Is Car Insurance in Point Baker

Avg. Car Insurance in Point Baker

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Point Baker

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Point Baker Car Insurance Rates by Company

Cheap Car Insurance Companies in Point Baker, FL

Way's key takeaways about car insurance in Point Baker

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Point Baker

Cheapest Liability Coverage in Point Baker, FL

Cheapest Full Coverage Car Insurance in Point Baker

Cheapest Full Coverage Car Insurance Quotes in Point Baker, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Point Baker by Rating Factor

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

Car Insurance Premiums by Age in Point Baker

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Point Baker,FL

If you are in your twenties N/A is the best choice for car insurance in Point Baker.

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 Point Baker

Cheapest Car Insurance Companies after an At-Fault Accident in Point Baker

Point Baker Car Insurance Rates by Violation

Point Baker auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Point Baker after a DUI

Point Baker car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Point Baker after Speeding ticket

Car Insurance Price Trends in Point Baker, Florida

Average Car Insurance Cost in Point Baker by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Point Baker, FL

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

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