Cheapest Car Insurance Quotes in South Highpoint

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South Highpoint Car Insurance

^$ 67

/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 South Highpoint

The car insurance rate in South Highpoint is $1820 for a six-month policy, which is $195 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1084, making it a popular choice for budget-conscious drivers. Rates in South Highpoint 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 South Highpoint

$1820

Avg. Car Insurance in Florida

$1625

National Average

$1278

Cheapest Car Insurance Companies in South Highpoint

1st place: Travelers

At $1084 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 $1211 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1324 for six months, making it the third cheapest auto insurance company in South Highpoint.

South Highpoint Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in South Highpoint, FL is Travelers, offering policies at just $1084 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1211.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2675 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help South Highpoint drivers find the best deals.

Cheap Car Insurance Companies in South Highpoint, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1084	$183
State Farm	$1211	$204
Nationwide	$1324	$223
Progressive	$1403	$236
United Automobile Ins Group	$1530	$255
UAIC	$1677	$286
Allstate	$2734	$456
Mercury	$2887	$491
MetLife	$1683	$287
Farmers	$2675	$446

Key Takeaways

Way's key takeaways about car insurance in South Highpoint

The auto insurance costs in South Highpoint fall around $1084 for six months.
The cheapest auto insurance company in South Highpoint is Travelers.
Teen drivers pay the highest rate in South Highpoint at $1547 per month.

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Cheapest Minimum Liability Car Insurance in South Highpoint

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 South Highpoint are given below.

Travelers provides the cheapest minimum car insurance coverage in South Highpoint. Their Average 6 Month Premium is $399. Farmers is the most expensive at $738 for the same period.

Cheapest Liability Coverage in South Highpoint, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$399	$67
State Farm	$432	$73
Mercury	$479	$81
Nationwide	$532	$91
MetLife	$559	$93
AIG	$625	$106
Progressive	$785	$132
United Automobile Ins Group	$805	$137
UAIC	$871	$146
Allstate	$998	$168
Patrons Insurance	$140	$24
Farmers	$738	$123

Cheapest Full Coverage Car Insurance in South Highpoint

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 South Highpoint is Travelers at $183 per month and $1084 for six months.

Cheapest Full Coverage Car Insurance Quotes in South Highpoint, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1084	$183
State Farm	$1211	$204
Nationwide	$1324	$223
Progressive	$1403	$236
United Automobile Ins Group	$1530	$255
UAIC	$1677	$286
Allstate	$2734	$456
Mercury	$2887	$491
MetLife	$1683	$287
Farmers	$2675	$446

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Average Car Insurance in South Highpoint 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 South Highpoint, FL increasing?

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

Car Insurance Premiums by Age in South Highpoint

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 South Highpoint,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the South Highpoint at $101 per month. At $9094 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$606	$101
AIG	$819	$139
Travelers	$1783	$300
State Farm	$2143	$361
UAIC	$2854	$480
United Automobile Ins Group	$3772	$642
Allstate	$4657	$784
Progressive	$5994	$1009
Mercury	$7092	$1194
Farmers	$9094	$1547

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 South Highpoint, Nationwide is the cheapest car insurance provider. At $725 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 South Highpoint is Farmers, offering rates of around $3699 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$725	$123
Mercury	$792	$132
Direct General Insurance	$825	$140
UAIC	$1604	$268
Travelers	$1756	$296
Progressive	$3087	$514
Allstate	$5415	$921
State Farm	$5542	$924
Farmers	$3699	$629

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Save up to $971/yr on car insurance rates in South Highpoint.

Car Insurance Rates with An Accident in South Highpoint

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

Cheapest Car Insurance Companies after an At-Fault Accident in South Highpoint

The cheapest car insurance companies after an at-fault accident in South Highpoint include Nationwide and AIG, offering $765 and $978, respectively. Farmers is an expensive provider with an average six-month premium of $3732.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$765	$128
AIG	$978	$166
State Farm	$1138	$192
Travelers	$1158	$195
United Automobile Ins Group	$1989	$332
Mercury	$2055	$346
UAIC	$2082	$347
Progressive	$2727	$459
Allstate	$4856	$818
Farmers	$3732	$622

South Highpoint Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in South Highpoint FL. For example, the car insurance in South Highpoint after a DUI increases to $1050 for a six month policy. While the rate increases by $319 for a six-month policy in the case of a speeding ticket.

South Highpoint auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2043	$340
One Med/PIP claim	$2043	$347
Not-at-fault accident	$2209	$368
Two Med/PIP claims	$2269	$385
One comp claim	$2302	$384
Child safety restraint	$2308	$392
Failure to wear a seat belt	$2308	$385
Driving without lights	$2315	$393
Failure to show documents	$2315	$386
Speeding 6 - 10 MPH over limit	$2362	$402
Improper passing	$2369	$394
Passing school bus	$2369	$403
Wrong way/wrong lane	$2369	$394
Failure to stop at a red light	$2376	$404
Failure to yield	$2376	$395
Illegal turn	$2376	$404
Cell phone violation	$2382	$396
Driving with expired registration	$2382	$405
Following too closely	$2382	$396
Texting while driving	$2388	$407
Two comp claims	$2442	$407
Driving too slowly	$2455	$418
Speeding in school zone	$2455	$409
Speeding 11 - 15 MPH over limit	$2462	$419
In 65 MPH zone	$2548	$424
Speeding 16 - 20 MPH over limit	$2548	$433
Speeding 21 - 25 MPH over limit	$2561	$427
Open container	$2588	$440
Operating a vehicle without permission	$2588	$431
At-fault accident - less than $1000	$2808	$477
At-fault accident - $1000-$2000	$2854	$476
At-fault accident - greater than $2000	$2854	$485
Racing	$3087	$514
DUI	$3093	$526
Refusal to submit to a chemical test	$3093	$515
Driving with a suspended license	$3147	$535
Reckless driving	$3213	$535
Leaving scene of an accident/hit and run	$3247	$552

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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 South Highpoint 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 South Highpoint.

The cheapest car insurance premiums in South Highpoint are offered by AIG at $719 for a six-month policy. However, it can be as expensive as $3041 with companies like Farmers.

South Highpoint car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$719	$122
Travelers	$1177	$198
Progressive	$1351	$227
State Farm	$1623	$273
Allstate	$2195	$370
UAIC	$2821	$470
Farmers	$3041	$506

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 South Highpoint are offered by Nationwide at $625. However, it can be as expensive as $3247 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in South Highpoint after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$625	$104
State Farm	$792	$133
Travelers	$898	$151
Allstate	$2355	$396
UAIC	$2575	$429
Progressive	$3154	$536
Farmers	$3247	$552

Car Insurance Price Trends in South Highpoint, Florida

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

The average cost of full coverage in the South Highpoint dipped by $287 in January compared to $309 of December. In other words, there has been an decrease by $22 when you compare January and December.

The average cost of liability insurance in the South Highpoint dipped to $93 in January, compared to $94 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 South Highpoint?

The car insurance in South Highpoint is $67 per month, which is lower than the national average.

What is the cheapest car insurance in South Highpoint?

The cheapest car insurance in South Highpoint is $183 per month for full coverage.

How much is car insurance in South Highpoint for teenagers?

Car insurance for teenagers costs $606 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 South Highpoint?

The average cost of car insurance is $1625 for a six-month policy. It will cost around $306 per month to insure your car in South Highpoint.

Is car insurance expensive in South Highpoint?

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

Cheapest Car Insurance Quotes in South Highpoint

Why you can trust Way?

How Much Is Car Insurance in South Highpoint

Avg. Car Insurance in South Highpoint

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in South Highpoint

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

South Highpoint Car Insurance Rates by Company

Cheap Car Insurance Companies in South Highpoint, FL

Way's key takeaways about car insurance in South Highpoint

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in South Highpoint

Cheapest Liability Coverage in South Highpoint, FL

Cheapest Full Coverage Car Insurance in South Highpoint

Cheapest Full Coverage Car Insurance Quotes in South Highpoint, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in South Highpoint by Rating Factor

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

Car Insurance Premiums by Age in South Highpoint

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in South Highpoint,FL

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

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 South Highpoint

Cheapest Car Insurance Companies after an At-Fault Accident in South Highpoint

South Highpoint Car Insurance Rates by Violation

South Highpoint auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in South Highpoint after a DUI

South Highpoint car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in South Highpoint after Speeding ticket

Car Insurance Price Trends in South Highpoint, Florida

Average Car Insurance Cost in South Highpoint by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near South Highpoint, FL

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

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