Cheapest Car Insurance Quotes in Sugarmill Woods

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Sugarmill Woods Car Insurance

^$ 19

/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 Sugarmill Woods

The car insurance rate in Sugarmill Woods is $1457 for a six-month policy, which is $144 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $930, making it a popular choice for budget-conscious drivers. Rates in Sugarmill Woods 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 Sugarmill Woods

$1457

Avg. Car Insurance in Florida

$1601

National Average

$1140

Cheapest Car Insurance Companies in Sugarmill Woods

1st place: Travelers

At $930 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 $989 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1151 for six months, making it the third cheapest auto insurance company in Sugarmill Woods.

Sugarmill Woods Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Sugarmill Woods, FL is Travelers, offering policies at just $930 for a six-month term. This is followed by State Farm, which has an average six-month premium of $989.

At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $870 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sugarmill Woods drivers find the best deals.

Cheap Car Insurance Companies in Sugarmill Woods, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$930	$157
State Farm	$989	$167
Nationwide	$1151	$194
United Automobile Ins Group	$1243	$207
Progressive	$1298	$218
UAIC	$1298	$217
MetLife	$1368	$233
Farmers	$2173	$362
Mercury	$2346	$399
Allstate	$2362	$398
Metropolitan Group	$870	$145

Key Takeaways

Way's key takeaways about car insurance in Sugarmill Woods

The auto insurance costs in Sugarmill Woods fall around $930 for six months.
The cheapest auto insurance company in Sugarmill Woods is Patrons Insurance.
Teen drivers pay the highest rate in Sugarmill Woods at $1257 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 Sugarmill Woods

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 Sugarmill Woods are given below.

Patrons Insurance provides the cheapest minimum car insurance coverage in Sugarmill Woods. Their Average 6 Month Premium is $114. Metropolitan Group is the most expensive at $346 for the same period.

Cheapest Liability Coverage in Sugarmill Woods, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$114	$19
Travelers	$346	$58
State Farm	$368	$62
Mercury	$389	$66
Nationwide	$432	$74
Farmers	$600	$100
AIG	$611	$104
Progressive	$638	$107
United Automobile Ins Group	$654	$111
UAIC	$708	$118
Allstate	$816	$137
Metropolitan Group	$346	$57

Cheapest Full Coverage Car Insurance in Sugarmill Woods

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 Sugarmill Woods is Travelers at $157 per month and $930 for six months.

Cheapest Full Coverage Car Insurance Quotes in Sugarmill Woods, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$930	$157
State Farm	$989	$167
Nationwide	$1151	$194
United Automobile Ins Group	$1243	$207
Progressive	$1298	$218
UAIC	$1298	$217
MetLife	$1368	$233
Farmers	$2173	$362
Mercury	$2346	$399
Allstate	$2362	$398
Metropolitan Group	$870	$145

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Average Car Insurance in Sugarmill Woods 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 Sugarmill Woods, FL increasing?

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

Car Insurance Premiums by Age in Sugarmill Woods

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	$1180
40s	Travelers	$891
50s	Travelers	$831
60s	Travelers	$819

Cheapest Car Insurance Rates for Teen Drivers in Sugarmill Woods,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Sugarmill Woods at $82 per month. At $7389 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$492	$82
AIG	$665	$113
Travelers	$1508	$254
State Farm	$1984	$334
UAIC	$2951	$492
United Automobile Ins Group	$3065	$521
Allstate	$4648	$783
Mercury	$5762	$970
Progressive	$6157	$1036
Farmers	$7389	$1257

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 Sugarmill Woods.

As young drivers face the highest rates in Sugarmill Woods, Travelers offers the cheapest auto insurance rates at $1180 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 Sugarmill Woods, Nationwide is the cheapest car insurance provider. At $589 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 Sugarmill Woods is Allstate, offering rates of around $4725 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$589	$100
Mercury	$643	$107
Direct General Insurance	$671	$114
Travelers	$1276	$215
UAIC	$1298	$220
Progressive	$2508	$418
Farmers	$3006	$511
State Farm	$4503	$751
Allstate	$4725	$804

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Save up to $971/yr on car insurance rates in Sugarmill Woods.

Car Insurance Rates with An Accident in Sugarmill Woods

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

Cheapest Car Insurance Companies after an At-Fault Accident in Sugarmill Woods

The cheapest car insurance companies after an at-fault accident in Sugarmill Woods include Nationwide and AIG, offering $622 and $794, respectively. National General is an expensive provider with an average six-month premium of $962.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$622	$104
AIG	$794	$135
Travelers	$897	$151
State Farm	$925	$156
United Automobile Ins Group	$1616	$269
Mercury	$1670	$281
UAIC	$1692	$282
Progressive	$2216	$373
Farmers	$3032	$505
Allstate	$4102	$691
National General	$962	$164

Sugarmill Woods Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Sugarmill Woods FL. For example, the car insurance in Sugarmill Woods after a DUI increases to $853 for a six month policy. While the rate increases by $259 for a six-month policy in the case of a speeding ticket.

Sugarmill Woods auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1660	$277
One Med/PIP claim	$1660	$282
Not-at-fault accident	$1795	$299
Two Med/PIP claims	$1844	$313
One comp claim	$1870	$312
Child safety restraint	$1876	$319
Failure to wear a seat belt	$1876	$313
Driving without lights	$1881	$319
Failure to show documents	$1881	$314
Speeding 6 - 10 MPH over limit	$1919	$327
Improper passing	$1925	$320
Passing school bus	$1925	$328
Wrong way/wrong lane	$1925	$320
Failure to stop at a red light	$1930	$329
Failure to yield	$1930	$321
Illegal turn	$1930	$329
Cell phone violation	$1936	$322
Driving with expired registration	$1936	$329
Following too closely	$1936	$322
Texting while driving	$1940	$330
Two comp claims	$1984	$330
Driving too slowly	$1995	$339
Speeding in school zone	$1995	$332
Speeding 11 - 15 MPH over limit	$2000	$340
In 65 MPH zone	$2070	$345
Speeding 16 - 20 MPH over limit	$2070	$352
Speeding 21 - 25 MPH over limit	$2081	$347
Open container	$2103	$358
Operating a vehicle without permission	$2103	$350
At-fault accident - less than $1000	$2281	$388
At-fault accident - $1000-$2000	$2319	$387
At-fault accident - greater than $2000	$2319	$394
Racing	$2508	$418
DUI	$2513	$428
Refusal to submit to a chemical test	$2513	$419
Driving with a suspended license	$2557	$435
Reckless driving	$2611	$435
Leaving scene of an accident/hit and run	$2638	$449

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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 Sugarmill Woods 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 Sugarmill Woods.

The cheapest car insurance premiums in Sugarmill Woods are offered by AIG at $584 for a six-month policy. However, it can be as expensive as $724 with companies like National General.

Sugarmill Woods car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$584	$97
Travelers	$930	$157
State Farm	$1129	$190
Progressive	$1140	$192
Allstate	$2076	$349
UAIC	$2287	$389
Farmers	$2471	$411
National General	$724	$121

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 Sugarmill Woods are offered by Nationwide at $508. However, it can be as expensive as $2638 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Sugarmill Woods after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$508	$86
State Farm	$654	$110
Travelers	$784	$132
UAIC	$1298	$217
Allstate	$1487	$250
Progressive	$2146	$358
Farmers	$2638	$449

Car Insurance Price Trends in Sugarmill Woods, Florida

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

The average cost of full coverage in the Sugarmill Woods remained steady at $251 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Sugarmill Woods remained steady at $76 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 Sugarmill Woods?

The car insurance in Sugarmill Woods is $19 per month, which is lower than the national average.

What is the cheapest car insurance in Sugarmill Woods?

The cheapest car insurance in Sugarmill Woods is $157 per month for full coverage.

How much is car insurance in Sugarmill Woods for teenagers?

Car insurance for teenagers costs $492 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 Sugarmill Woods?

The average cost of car insurance is $1601 for a six-month policy. It will cost around $245 per month to insure your car in Sugarmill Woods.

Is car insurance expensive in Sugarmill Woods?

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

Cheapest Car Insurance Quotes in Sugarmill Woods

Why you can trust Way?

How Much Is Car Insurance in Sugarmill Woods

Avg. Car Insurance in Sugarmill Woods

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Sugarmill Woods

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Sugarmill Woods Car Insurance Rates by Company

Cheap Car Insurance Companies in Sugarmill Woods, FL

Way's key takeaways about car insurance in Sugarmill Woods

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Sugarmill Woods

Cheapest Liability Coverage in Sugarmill Woods, FL

Cheapest Full Coverage Car Insurance in Sugarmill Woods

Cheapest Full Coverage Car Insurance Quotes in Sugarmill Woods, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Sugarmill Woods by Rating Factor

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

Car Insurance Premiums by Age in Sugarmill Woods

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Sugarmill Woods,FL

If you are in your twenties Travelers is the best choice for car insurance in Sugarmill Woods.

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 Sugarmill Woods

Cheapest Car Insurance Companies after an At-Fault Accident in Sugarmill Woods

Sugarmill Woods Car Insurance Rates by Violation

Sugarmill Woods auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Sugarmill Woods after a DUI

Sugarmill Woods car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Sugarmill Woods after Speeding ticket

Car Insurance Price Trends in Sugarmill Woods, Florida

Average Car Insurance Cost in Sugarmill Woods by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Sugarmill Woods, FL

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

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