Cheapest Car Insurance Quotes in Seffner

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Seffner Car Insurance

^$ 75

/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 Seffner

The car insurance rate in Seffner is $2031 for a six-month policy, which is $406 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1210, making it a popular choice for budget-conscious drivers. Rates in Seffner 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 Seffner

$2031

Avg. Car Insurance in Florida

$1625

National Average

$1278

Cheapest Car Insurance Companies in Seffner

1st place: Travelers

At $1210 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 $1351 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1478 for six months, making it the third cheapest auto insurance company in Seffner.

Seffner Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Seffner, FL is Travelers, offering policies at just $1210 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1351.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2985 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Seffner drivers find the best deals.

Cheap Car Insurance Companies in Seffner, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1210	$204
State Farm	$1351	$228
Nationwide	$1478	$249
Progressive	$1566	$264
United Automobile Ins Group	$1708	$285
UAIC	$1871	$319
Allstate	$3051	$509
Mercury	$3223	$548
MetLife	$1879	$320
Farmers	$2985	$498

Key Takeaways

Way's key takeaways about car insurance in Seffner

The auto insurance costs in Seffner fall around $1210 for six months.
The cheapest auto insurance company in Seffner is Travelers.
Teen drivers pay the highest rate in Seffner at $1726 per month.

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Cheapest Minimum Liability Car Insurance in Seffner

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 Seffner are given below.

Travelers provides the cheapest minimum car insurance coverage in Seffner. Their Average 6 Month Premium is $445. Farmers is the most expensive at $824 for the same period.

Cheapest Liability Coverage in Seffner, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$445	$75
State Farm	$483	$81
Mercury	$535	$90
Nationwide	$594	$101
MetLife	$624	$104
AIG	$698	$119
Progressive	$876	$148
United Automobile Ins Group	$899	$153
UAIC	$973	$163
Allstate	$1114	$188
Patrons Insurance	$156	$26
Farmers	$824	$138

Cheapest Full Coverage Car Insurance in Seffner

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 Seffner is Travelers at $204 per month and $1210 for six months.

Cheapest Full Coverage Car Insurance Quotes in Seffner, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1210	$204
State Farm	$1351	$228
Nationwide	$1478	$249
Progressive	$1566	$264
United Automobile Ins Group	$1708	$285
UAIC	$1871	$319
Allstate	$3051	$509
Mercury	$3223	$548
MetLife	$1879	$320
Farmers	$2985	$498

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Average Car Insurance in Seffner 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 Seffner, FL increasing?

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

Car Insurance Premiums by Age in Seffner

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 Seffner,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Seffner at $113 per month. At $10150 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$676	$113
AIG	$914	$155
Travelers	$1990	$335
State Farm	$2391	$403
UAIC	$3185	$536
United Automobile Ins Group	$4210	$716
Allstate	$5198	$875
Progressive	$6690	$1126
Mercury	$7915	$1333
Farmers	$10150	$1726

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 Seffner, Nationwide is the cheapest car insurance provider. At $809 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 Seffner is Farmers, offering rates of around $4129 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$809	$138
Mercury	$884	$148
Direct General Insurance	$921	$156
UAIC	$1790	$299
Travelers	$1960	$330
Progressive	$3445	$574
Allstate	$6044	$1028
State Farm	$6185	$1031
Farmers	$4129	$703

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Car Insurance Rates with An Accident in Seffner

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

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

The cheapest car insurance companies after an at-fault accident in Seffner include Nationwide and AIG, offering $854 and $1091, respectively. Farmers is an expensive provider with an average six-month premium of $4165.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$854	$143
AIG	$1091	$185
State Farm	$1270	$214
Travelers	$1293	$218
United Automobile Ins Group	$2220	$370
Mercury	$2294	$386
UAIC	$2324	$388
Progressive	$3044	$513
Allstate	$5420	$913
Farmers	$4165	$694

Seffner Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Seffner FL. For example, the car insurance in Seffner after a DUI increases to $1173 for a six month policy. While the rate increases by $356 for a six-month policy in the case of a speeding ticket.

Seffner auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2280	$380
One Med/PIP claim	$2280	$388
Not-at-fault accident	$2465	$411
Two Med/PIP claims	$2533	$430
One comp claim	$2569	$429
Child safety restraint	$2576	$438
Failure to wear a seat belt	$2576	$430
Driving without lights	$2584	$439
Failure to show documents	$2584	$431
Speeding 6 - 10 MPH over limit	$2636	$449
Improper passing	$2644	$440
Passing school bus	$2644	$450
Wrong way/wrong lane	$2644	$440
Failure to stop at a red light	$2651	$451
Failure to yield	$2651	$441
Illegal turn	$2651	$451
Cell phone violation	$2659	$443
Driving with expired registration	$2659	$453
Following too closely	$2659	$443
Texting while driving	$2665	$454
Two comp claims	$2725	$454
Driving too slowly	$2740	$466
Speeding in school zone	$2740	$456
Speeding 11 - 15 MPH over limit	$2748	$468
In 65 MPH zone	$2844	$474
Speeding 16 - 20 MPH over limit	$2844	$484
Speeding 21 - 25 MPH over limit	$2859	$476
Open container	$2889	$491
Operating a vehicle without permission	$2889	$481
At-fault accident - less than $1000	$3134	$533
At-fault accident - $1000-$2000	$3185	$531
At-fault accident - greater than $2000	$3185	$541
Racing	$3445	$574
DUI	$3453	$588
Refusal to submit to a chemical test	$3453	$575
Driving with a suspended license	$3513	$598
Reckless driving	$3586	$598
Leaving scene of an accident/hit and run	$3624	$616

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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 Seffner 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 Seffner.

The cheapest car insurance premiums in Seffner are offered by AIG at $803 for a six-month policy. However, it can be as expensive as $3394 with companies like Farmers.

Seffner car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$803	$136
Travelers	$1314	$221
Progressive	$1508	$254
State Farm	$1811	$305
Allstate	$2450	$413
UAIC	$3149	$525
Farmers	$3394	$565

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 Seffner are offered by Nationwide at $698. However, it can be as expensive as $3624 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Seffner after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$698	$116
State Farm	$884	$149
Travelers	$1003	$169
Allstate	$2629	$443
UAIC	$2874	$479
Progressive	$3520	$599
Farmers	$3624	$616

Car Insurance Price Trends in Seffner, Florida

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

The average cost of full coverage in the Seffner dipped by $320 in January compared to $345 of December. In other words, there has been an decrease by $25 when you compare January and December.

The average cost of liability insurance in the Seffner dipped to $104 in January, compared to $105 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 Seffner?

The car insurance in Seffner is $75 per month, which is lower than the national average.

What is the cheapest car insurance in Seffner?

The cheapest car insurance in Seffner is $204 per month for full coverage.

How much is car insurance in Seffner for teenagers?

Car insurance for teenagers costs $676 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 Seffner?

The average cost of car insurance is $1625 for a six-month policy. It will cost around $341 per month to insure your car in Seffner.

Is car insurance expensive in Seffner?

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

Cheapest Car Insurance Quotes in Seffner

Why you can trust Way?

How Much Is Car Insurance in Seffner

Avg. Car Insurance in Seffner

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Seffner

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Seffner Car Insurance Rates by Company

Cheap Car Insurance Companies in Seffner, FL

Way's key takeaways about car insurance in Seffner

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Seffner

Cheapest Liability Coverage in Seffner, FL

Cheapest Full Coverage Car Insurance in Seffner

Cheapest Full Coverage Car Insurance Quotes in Seffner, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Seffner by Rating Factor

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

Car Insurance Premiums by Age in Seffner

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Seffner,FL

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

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 Seffner

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

Seffner Car Insurance Rates by Violation

Seffner auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Seffner after a DUI

Seffner car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Seffner after Speeding ticket

Car Insurance Price Trends in Seffner, Florida

Average Car Insurance Cost in Seffner by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Seffner, FL

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

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