Cheapest Car Insurance Quotes in Southwest Ranches

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Southwest Ranches Car Insurance

^$ 84

/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 Southwest Ranches

The car insurance rate in Southwest Ranches is $1985 for a six-month policy, which is $274 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1254, making it a popular choice for budget-conscious drivers. Rates in Southwest Ranches 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 Southwest Ranches

$1985

Avg. Car Insurance in Florida

$1711

National Average

$1278

Cheapest Car Insurance Companies in Southwest Ranches

1st place: Travelers

At $1254 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 $1310 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1371 for six months, making it the third cheapest auto insurance company in Southwest Ranches.

Southwest Ranches Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Southwest Ranches, FL is Travelers, offering policies at just $1254 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1310.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2770 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Southwest Ranches drivers find the best deals.

Cheap Car Insurance Companies in Southwest Ranches, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1254	$211
State Farm	$1310	$220
Nationwide	$1371	$231
United Automobile Ins Group	$1585	$269
UAIC	$1750	$295
Progressive	$2067	$348
Mercury	$2990	$499
Allstate	$3011	$507
MetLife	$1743	$297
Farmers	$2770	$462

Key Takeaways

Way's key takeaways about car insurance in Southwest Ranches

The auto insurance costs in Southwest Ranches fall around $1254 for six months.
The cheapest auto insurance company in Southwest Ranches is Mercury.
Teen drivers pay the highest rate in Southwest Ranches at $1602 per month.

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

Cheapest Minimum Liability Car Insurance in Southwest Ranches

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 Southwest Ranches are given below.

Mercury provides the cheapest minimum car insurance coverage in Southwest Ranches. Their Average 6 Month Premium is $496. Farmers is the most expensive at $764 for the same period.

Cheapest Liability Coverage in Southwest Ranches, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$496	$84
Nationwide	$551	$94
MetLife	$579	$96
AIG	$647	$110
United Automobile Ins Group	$834	$139
Travelers	$965	$162
State Farm	$1427	$240
Progressive	$2384	$401
Allstate	$2674	$450
UAIC	$3122	$531
Patrons Insurance	$145	$24
Farmers	$764	$128

Cheapest Full Coverage Car Insurance in Southwest Ranches

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 Southwest Ranches is Travelers at $211 per month and $1254 for six months.

Cheapest Full Coverage Car Insurance Quotes in Southwest Ranches, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1254	$211
State Farm	$1310	$220
Nationwide	$1371	$231
United Automobile Ins Group	$1585	$269
UAIC	$1750	$295
Progressive	$2067	$348
Mercury	$2990	$499
Allstate	$3011	$507
MetLife	$1743	$297
Farmers	$2770	$462

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Average Car Insurance in Southwest Ranches 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 Southwest Ranches, FL increasing?

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

Car Insurance Premiums by Age in Southwest Ranches

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 Southwest Ranches,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Southwest Ranches at $104 per month. At $9419 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$628	$104
AIG	$848	$144
Travelers	$2267	$382
State Farm	$2798	$471
United Automobile Ins Group	$3907	$651
UAIC	$4003	$681
Allstate	$5953	$1002
Mercury	$7345	$1237
Progressive	$10797	$1818
Farmers	$9419	$1602

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 Southwest Ranches, Nationwide is the cheapest car insurance provider. At $751 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 Southwest Ranches is Farmers, offering rates of around $3831 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$751	$128
Mercury	$820	$137
Direct General Insurance	$855	$145
UAIC	$1757	$292
Travelers	$2081	$350
Progressive	$5561	$927
Allstate	$5953	$1013
State Farm	$7455	$1242
Farmers	$3831	$652

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Save up to $971/yr on car insurance rates in Southwest Ranches.

Car Insurance Rates with An Accident in Southwest Ranches

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

Cheapest Car Insurance Companies after an At-Fault Accident in Southwest Ranches

The cheapest car insurance companies after an at-fault accident in Southwest Ranches include Nationwide and AIG, offering $792 and $1013, respectively. Farmers is an expensive provider with an average six-month premium of $3865.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$792	$132
AIG	$1013	$172
State Farm	$1282	$216
Travelers	$1303	$219
United Automobile Ins Group	$2060	$343
Mercury	$2129	$358
UAIC	$2301	$384
Progressive	$3797	$639
Allstate	$5264	$886
Farmers	$3865	$644

Southwest Ranches Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Southwest Ranches FL. For example, the car insurance in Southwest Ranches after a DUI increases to $1088 for a six month policy. While the rate increases by $330 for a six-month policy in the case of a speeding ticket.

Southwest Ranches auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2116	$353
One Med/PIP claim	$2116	$360
Not-at-fault accident	$2288	$382
Two Med/PIP claims	$2350	$399
One comp claim	$2384	$398
Child safety restraint	$2391	$406
Failure to wear a seat belt	$2391	$399
Driving without lights	$2398	$407
Failure to show documents	$2398	$400
Speeding 6 - 10 MPH over limit	$2446	$416
Improper passing	$2453	$408
Passing school bus	$2453	$418
Wrong way/wrong lane	$2453	$408
Failure to stop at a red light	$2460	$419
Failure to yield	$2460	$409
Illegal turn	$2460	$419
Cell phone violation	$2467	$411
Driving with expired registration	$2467	$420
Following too closely	$2467	$411
Texting while driving	$2473	$421
Two comp claims	$2529	$421
Driving too slowly	$2543	$433
Speeding in school zone	$2543	$423
Speeding 11 - 15 MPH over limit	$2550	$434
In 65 MPH zone	$2639	$440
Speeding 16 - 20 MPH over limit	$2639	$449
Speeding 21 - 25 MPH over limit	$2653	$442
Open container	$2681	$456
Operating a vehicle without permission	$2681	$447
At-fault accident - less than $1000	$2908	$494
At-fault accident - $1000-$2000	$2956	$493
At-fault accident - greater than $2000	$2956	$502
Racing	$3197	$532
DUI	$3204	$545
Refusal to submit to a chemical test	$3204	$534
Driving with a suspended license	$3260	$554
Reckless driving	$3328	$554
Leaving scene of an accident/hit and run	$3363	$572

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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 Southwest Ranches 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 Southwest Ranches.

The cheapest car insurance premiums in Southwest Ranches are offered by AIG at $745 for a six-month policy. However, it can be as expensive as $3149 with companies like Farmers.

Southwest Ranches car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$745	$126
Travelers	$1427	$240
State Farm	$1771	$298
Progressive	$1964	$331
Allstate	$2660	$448
UAIC	$3122	$520
Farmers	$3149	$524

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 Southwest Ranches are offered by Nationwide at $647. However, it can be as expensive as $3363 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Southwest Ranches after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$647	$108
State Farm	$1034	$174
Travelers	$1275	$215
UAIC	$1757	$299
Allstate	$1901	$320
Progressive	$4465	$759
Farmers	$3363	$572

Car Insurance Price Trends in Southwest Ranches, Florida

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

The average cost of full coverage in the Southwest Ranches rose by $328 in March compared to $297 of February. In other words, there has been an increase by $31 when you compare March and February.

The average cost of liability insurance in the Southwest Ranches rose to $223 in March, compared to $96 in February. This represents an increase of $127 when comparing March and February.

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Frequently Asked Questions

How much is car insurance in Southwest Ranches?

The car insurance in Southwest Ranches is $84 per month, which is lower than the national average.

What is the cheapest car insurance in Southwest Ranches?

The cheapest car insurance in Southwest Ranches is $211 per month for full coverage.

How much is car insurance in Southwest Ranches for teenagers?

Car insurance for teenagers costs $628 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 Southwest Ranches?

The average cost of car insurance is $1711 for a six-month policy. It will cost around $333 per month to insure your car in Southwest Ranches.

Is car insurance expensive in Southwest Ranches?

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

Cheapest Car Insurance Quotes in Southwest Ranches

Why you can trust Way?

How Much Is Car Insurance in Southwest Ranches

Avg. Car Insurance in Southwest Ranches

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Southwest Ranches

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Southwest Ranches Car Insurance Rates by Company

Cheap Car Insurance Companies in Southwest Ranches, FL

Way's key takeaways about car insurance in Southwest Ranches

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Southwest Ranches

Cheapest Liability Coverage in Southwest Ranches, FL

Cheapest Full Coverage Car Insurance in Southwest Ranches

Cheapest Full Coverage Car Insurance Quotes in Southwest Ranches, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Southwest Ranches by Rating Factor

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

Car Insurance Premiums by Age in Southwest Ranches

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Southwest Ranches,FL

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

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 Southwest Ranches

Cheapest Car Insurance Companies after an At-Fault Accident in Southwest Ranches

Southwest Ranches Car Insurance Rates by Violation

Southwest Ranches auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Southwest Ranches after a DUI

Southwest Ranches car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Southwest Ranches after Speeding ticket

Car Insurance Price Trends in Southwest Ranches, Florida

Average Car Insurance Cost in Southwest Ranches by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Southwest Ranches, FL

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

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