Cheapest Car Insurance Quotes in Shady Hills

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Shady Hills Car Insurance

^$ 24

/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 Shady Hills

The car insurance rate in Shady Hills is $1809 for a six-month policy, which is $208 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1155, making it a popular choice for budget-conscious drivers. Rates in Shady Hills 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 Shady Hills

$1809

Avg. Car Insurance in Florida

$1601

National Average

$1140

Cheapest Car Insurance Companies in Shady Hills

1st place: Travelers

At $1155 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 $1228 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1429 for six months, making it the third cheapest auto insurance company in Shady Hills.

Shady Hills Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Shady Hills, FL is Travelers, offering policies at just $1155 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1228.

At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $1080 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Shady Hills drivers find the best deals.

Cheap Car Insurance Companies in Shady Hills, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1155	$194
State Farm	$1228	$207
Nationwide	$1429	$241
United Automobile Ins Group	$1544	$258
Progressive	$1611	$271
UAIC	$1611	$269
MetLife	$1698	$289
Farmers	$2698	$450
Mercury	$2913	$495
Allstate	$2933	$494
Metropolitan Group	$1080	$180

Key Takeaways

Way's key takeaways about car insurance in Shady Hills

The auto insurance costs in Shady Hills fall around $1155 for six months.
The cheapest auto insurance company in Shady Hills is Patrons Insurance.
Teen drivers pay the highest rate in Shady Hills at $1561 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Shady Hills

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 Hills are given below.

Patrons Insurance provides the cheapest minimum car insurance coverage in Shady Hills. Their Average 6 Month Premium is $141. Metropolitan Group is the most expensive at $429 for the same period.

Cheapest Liability Coverage in Shady Hills, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$141	$24
Travelers	$429	$72
State Farm	$457	$77
Mercury	$484	$81
Nationwide	$537	$92
Farmers	$745	$124
AIG	$758	$129
Progressive	$792	$133
United Automobile Ins Group	$812	$138
UAIC	$879	$147
Allstate	$1014	$171
Metropolitan Group	$429	$71

Cheapest Full Coverage Car Insurance in Shady Hills

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 Hills is Travelers at $194 per month and $1155 for six months.

Cheapest Full Coverage Car Insurance Quotes in Shady Hills, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1155	$194
State Farm	$1228	$207
Nationwide	$1429	$241
United Automobile Ins Group	$1544	$258
Progressive	$1611	$271
UAIC	$1611	$269
MetLife	$1698	$289
Farmers	$2698	$450
Mercury	$2913	$495
Allstate	$2933	$494
Metropolitan Group	$1080	$180

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Average Car Insurance in Shady Hills 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 Hills, FL increasing?

Despite maintaining a clean driving record, your car insurance rates in Shady Hills, 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 Hills'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 Hills

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	$1466
40s	Travelers	$1106
50s	Travelers	$1032
60s	Travelers	$1017

Cheapest Car Insurance Rates for Teen Drivers in Shady Hills,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Shady Hills at $102 per month. At $9176 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$611	$102
AIG	$826	$140
Travelers	$1872	$315
State Farm	$2463	$415
UAIC	$3665	$611
United Automobile Ins Group	$3806	$647
Allstate	$5772	$972
Mercury	$7155	$1205
Progressive	$7646	$1287
Farmers	$9176	$1561

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 Shady Hills.

As young drivers face the highest rates in Shady Hills, Travelers offers the cheapest auto insurance rates at $1466 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 Hills, Nationwide is the cheapest car insurance provider. At $731 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 Hills is Allstate, offering rates of around $5867 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$731	$124
Mercury	$799	$133
Direct General Insurance	$833	$141
Travelers	$1584	$267
UAIC	$1611	$273
Progressive	$3114	$519
Farmers	$3732	$635
State Farm	$5591	$932
Allstate	$5867	$998

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Car Insurance Rates with An Accident in Shady Hills

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

Cheapest Car Insurance Companies after an At-Fault Accident in Shady Hills

The cheapest car insurance companies after an at-fault accident in Shady Hills include Nationwide and AIG, offering $772 and $986, respectively. National General is an expensive provider with an average six-month premium of $1194.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$772	$129
AIG	$986	$167
Travelers	$1114	$188
State Farm	$1148	$193
United Automobile Ins Group	$2007	$334
Mercury	$2074	$349
UAIC	$2101	$350
Progressive	$2752	$463
Farmers	$3765	$627
Allstate	$5094	$858
National General	$1194	$203

Shady Hills Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Shady Hills FL. For example, the car insurance in Shady Hills after a DUI increases to $1060 for a six month policy. While the rate increases by $322 for a six-month policy in the case of a speeding ticket.

Shady Hills auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2061	$344
One Med/PIP claim	$2061	$350
Not-at-fault accident	$2228	$372
Two Med/PIP claims	$2289	$389
One comp claim	$2322	$388
Child safety restraint	$2329	$395
Failure to wear a seat belt	$2329	$389
Driving without lights	$2336	$397
Failure to show documents	$2336	$390
Speeding 6 - 10 MPH over limit	$2383	$406
Improper passing	$2390	$398
Passing school bus	$2390	$407
Wrong way/wrong lane	$2390	$398
Failure to stop at a red light	$2397	$408
Failure to yield	$2397	$399
Illegal turn	$2397	$408
Cell phone violation	$2404	$400
Driving with expired registration	$2404	$409
Following too closely	$2404	$400
Texting while driving	$2409	$410
Two comp claims	$2463	$410
Driving too slowly	$2477	$421
Speeding in school zone	$2477	$412
Speeding 11 - 15 MPH over limit	$2484	$423
In 65 MPH zone	$2571	$428
Speeding 16 - 20 MPH over limit	$2571	$437
Speeding 21 - 25 MPH over limit	$2584	$431
Open container	$2611	$444
Operating a vehicle without permission	$2611	$435
At-fault accident - less than $1000	$2833	$481
At-fault accident - $1000-$2000	$2879	$480
At-fault accident - greater than $2000	$2879	$489
Racing	$3114	$519
DUI	$3121	$531
Refusal to submit to a chemical test	$3121	$520
Driving with a suspended license	$3175	$540
Reckless driving	$3242	$540
Leaving scene of an accident/hit and run	$3276	$557

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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 Hills 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 Hills.

The cheapest car insurance premiums in Shady Hills are offered by AIG at $725 for a six-month policy. However, it can be as expensive as $899 with companies like National General.

Shady Hills car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$725	$121
Travelers	$1155	$194
State Farm	$1402	$236
Progressive	$1416	$238
Allstate	$2578	$434
UAIC	$2840	$483
Farmers	$3068	$511
National General	$899	$150

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 Shady Hills are offered by Nationwide at $631. However, it can be as expensive as $3276 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Shady Hills after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$631	$107
State Farm	$812	$137
Travelers	$973	$164
UAIC	$1611	$269
Allstate	$1846	$311
Progressive	$2665	$444
Farmers	$3276	$557

Car Insurance Price Trends in Shady Hills, Florida

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

The average cost of full coverage in the Shady Hills remained steady at $312 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Shady Hills remained steady at $95 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 Shady Hills?

The car insurance in Shady Hills is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Shady Hills?

The cheapest car insurance in Shady Hills is $194 per month for full coverage.

How much is car insurance in Shady Hills for teenagers?

Car insurance for teenagers costs $611 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 Hills?

The average cost of car insurance is $1601 for a six-month policy. It will cost around $304 per month to insure your car in Shady Hills.

Is car insurance expensive in Shady Hills?

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

Cheapest Car Insurance Quotes in Shady Hills

Why you can trust Way?

How Much Is Car Insurance in Shady Hills

Avg. Car Insurance in Shady Hills

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Shady Hills

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Shady Hills Car Insurance Rates by Company

Cheap Car Insurance Companies in Shady Hills, FL

Way's key takeaways about car insurance in Shady Hills

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Shady Hills

Cheapest Liability Coverage in Shady Hills, FL

Cheapest Full Coverage Car Insurance in Shady Hills

Cheapest Full Coverage Car Insurance Quotes in Shady Hills, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Shady Hills by Rating Factor

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

Car Insurance Premiums by Age in Shady Hills

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Shady Hills,FL

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

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 Shady Hills

Cheapest Car Insurance Companies after an At-Fault Accident in Shady Hills

Shady Hills Car Insurance Rates by Violation

Shady Hills auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Shady Hills after a DUI

Shady Hills car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Shady Hills after Speeding ticket

Car Insurance Price Trends in Shady Hills, Florida

Average Car Insurance Cost in Shady Hills by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Shady Hills, FL

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

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