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Finding the cheapest car insurance quotes in Shady Grove 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 Shady Grove
The car insurance rate in Shady Grove is $1300 for a six-month policy, which is $325 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $774, making it a popular choice for budget-conscious drivers. Rates in Shady Grove 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.
At $774 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 $865 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Nationwide
Nationwide offers auto insurance
rates at $946
for six months, making it
the third cheapest auto insurance company in Shady Grove.
Shady Grove Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Shady Grove, FL is Travelers, offering policies at just $774 for a six-month term. This is followed by State Farm, which has an average six-month premium of $865.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1910 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Shady Grove drivers find the best deals.
Way's key takeaways about car insurance in Shady Grove
The auto insurance costs in Shady Grove fall around $774 for six
months.
The cheapest auto insurance company in Shady Grove is Travelers.
Teen drivers pay the highest rate in Shady Grove at $1105 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 Shady Grove
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 Shady Grove are given below.
Travelers provides
the cheapest minimum car insurance
coverage in Shady Grove. Their Average 6 Month Premium is $285.
Farmers is the most
expensive at $527 for the same
period.
Cheapest Full Coverage Car Insurance in Shady Grove
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 Shady Grove is Travelers
at $130 per month and $774
for six months.
Cheapest Full Coverage Car Insurance Quotes in Shady Grove,
FL
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Average Car Insurance in Shady Grove 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 Shady Grove, FL increasing?
Despite maintaining a clean driving record, your car insurance rates
in Shady Grove, 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, Shady Grove's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Shady Grove
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
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Cheapest Car Insurance Rates for Teen Drivers in
Shady Grove,FL
If you are planning to get a car insurance policy for your teenage
dependent, Nationwide provides the cheapest car
insurance in the Shady Grove at $72
per
month. At $6496 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Shady Grove.
As young drivers face the highest rates in Shady Grove, N/A
offers the cheapest auto insurance rates at $N/A 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 Shady Grove,
Nationwide is
the cheapest car insurance provider. At $518 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
Shady Grove is Farmers, offering
rates of around $2642 for six
months.
Save up to $971/yr on car insurance rates in Shady Grove.
Car Insurance Rates with An Accident in Shady Grove
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 Shady Grove, FL,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Shady Grove
The cheapest car insurance companies after an at-fault accident in
Shady Grove include Nationwide
and AIG, offering $546
and $698,
respectively. Farmers is an expensive provider
with an average six-month premium of
$2666.
Here is a list of driving violations that can increase your car
insurance rates in Shady Grove FL. For example, the car
insurance in Shady Grove
after a DUI increases to $751 for a six
month policy. While the rate increases by $228 for a six-month policy in the case of
a speeding ticket.
Shady Grove auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1459
$243
One Med/PIP claim
$1459
$248
Not-at-fault accident
$1578
$263
Two Med/PIP claims
$1621
$275
One comp claim
$1644
$274
Child safety restraint
$1649
$280
Failure to wear a seat belt
$1649
$275
Driving without lights
$1654
$281
Failure to show documents
$1654
$276
Speeding 6 - 10 MPH over limit
$1687
$287
Improper passing
$1692
$282
Passing school bus
$1692
$288
Wrong way/wrong lane
$1692
$282
Failure to stop at a red light
$1697
$289
Failure to yield
$1697
$282
Illegal turn
$1697
$289
Cell phone violation
$1702
$283
Driving with expired registration
$1702
$290
Following too closely
$1702
$283
Texting while driving
$1706
$290
Two comp claims
$1744
$290
Driving too slowly
$1754
$298
Speeding in school zone
$1754
$292
Speeding 11 - 15 MPH over limit
$1758
$299
In 65 MPH zone
$1820
$303
Speeding 16 - 20 MPH over limit
$1820
$310
Speeding 21 - 25 MPH over limit
$1830
$305
Open container
$1849
$314
Operating a vehicle without permission
$1849
$308
At-fault accident - less than $1000
$2006
$341
At-fault accident - $1000-$2000
$2038
$340
At-fault accident - greater than $2000
$2038
$346
Racing
$2205
$367
DUI
$2210
$376
Refusal to submit to a chemical test
$2210
$368
Driving with a suspended license
$2248
$382
Reckless driving
$2295
$382
Leaving scene of an accident/hit and run
$2319
$394
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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 Shady Grove 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 Shady Grove.
The cheapest car insurance premiums in
Shady Grove are
offered by AIG at $514 for a six-month policy.
However, it can be as
expensive as $2172 with companies
like Farmers.
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 Shady Grove are offered by Nationwide
at $446. However,
it can be as expensive as $2319
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Shady Grove after Speeding ticket
Car Insurance Price Trends in Shady Grove,
Florida
Car insurance rates in Shady Grove have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Shady Grove dipped by
$205 in January
compared to $221 of December. In other words, there has been an decrease by $16 when you
compare January and December.
The average cost of liability insurance in the Shady Grove dipped to $66 in January,
compared to $67 in December.
This represents an decrease of $1
when comparing January and December.
Average Car Insurance Cost in Shady Grove 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
Shady Grove. 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 Shady Grove?
The car insurance in Shady Grove is $48 per month, which is lower than the national average.
What is the cheapest car insurance in Shady Grove?
The cheapest car insurance in Shady Grove
is $130 per month
for full coverage.
How much is car insurance in Shady Grove for teenagers?
Car insurance for teenagers costs $433 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
Shady Grove?
The average cost of car insurance is $1625 for a six-month
policy. It will cost around $218 per month to insure your
car in Shady Grove.
Is car insurance expensive in Shady Grove?
Car insurance can be expensive in Shady Grove if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Shady Grove can be
affordable.
What is the best car insurance in Shady Grove,
FL?
The best car insurance company in Shady Grove
FL is
Travelers, offering $774 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Shady Grove, FL
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Shady Grove Car Insurance
