Cheapest Car Insurance Quotes in Sunset

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Sunset Car Insurance

^$ 92

/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 Sunset

The car insurance rate in Sunset is $2190 for a six-month policy, which is $479 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1384, making it a popular choice for budget-conscious drivers. Rates in Sunset 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 Sunset

$2190

Avg. Car Insurance in Florida

$1711

National Average

$1278

Cheapest Car Insurance Companies in Sunset

1st place: Travelers

At $1384 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 $1445 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1513 for six months, making it the third cheapest auto insurance company in Sunset.

Sunset Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Sunset, FL is Travelers, offering policies at just $1384 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1445.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $3057 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sunset drivers find the best deals.

Cheap Car Insurance Companies in Sunset, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1384	$233
State Farm	$1445	$243
Nationwide	$1513	$255
United Automobile Ins Group	$1748	$297
UAIC	$1932	$325
Progressive	$2281	$384
Mercury	$3300	$550
Allstate	$3323	$559
MetLife	$1924	$328
Farmers	$3057	$509

Key Takeaways

Way's key takeaways about car insurance in Sunset

The auto insurance costs in Sunset fall around $1384 for six months.
The cheapest auto insurance company in Sunset is Mercury.
Teen drivers pay the highest rate in Sunset at $1768 per month.

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Cheapest Minimum Liability Car Insurance in Sunset

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 Sunset are given below.

Mercury provides the cheapest minimum car insurance coverage in Sunset. Their Average 6 Month Premium is $548. Farmers is the most expensive at $844 for the same period.

Cheapest Liability Coverage in Sunset, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$548	$92
Nationwide	$608	$104
MetLife	$639	$106
AIG	$714	$122
United Automobile Ins Group	$920	$154
Travelers	$1065	$179
State Farm	$1574	$265
Progressive	$2630	$443
Allstate	$2950	$497
UAIC	$3444	$586
Patrons Insurance	$160	$27
Farmers	$844	$141

Cheapest Full Coverage Car Insurance in Sunset

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 Sunset is Travelers at $233 per month and $1384 for six months.

Cheapest Full Coverage Car Insurance Quotes in Sunset, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1384	$233
State Farm	$1445	$243
Nationwide	$1513	$255
United Automobile Ins Group	$1748	$297
UAIC	$1932	$325
Progressive	$2281	$384
Mercury	$3300	$550
Allstate	$3323	$559
MetLife	$1924	$328
Farmers	$3057	$509

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Average Car Insurance in Sunset 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 Sunset, FL increasing?

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

Car Insurance Premiums by Age in Sunset

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 Sunset,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Sunset at $115 per month. At $10394 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$692	$115
AIG	$936	$159
Travelers	$2501	$421
State Farm	$3087	$520
United Automobile Ins Group	$4311	$718
UAIC	$4417	$751
Allstate	$6569	$1106
Mercury	$8105	$1364
Progressive	$11914	$2006
Farmers	$10394	$1768

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 Sunset, Nationwide is the cheapest car insurance provider. At $828 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 Sunset is Farmers, offering rates of around $4228 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$828	$141
Mercury	$905	$151
Direct General Insurance	$943	$160
UAIC	$1939	$323
Travelers	$2296	$387
Progressive	$6136	$1023
Allstate	$6569	$1117
State Farm	$8227	$1371
Farmers	$4228	$719

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Car Insurance Rates with An Accident in Sunset

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

Cheapest Car Insurance Companies after an At-Fault Accident in Sunset

The cheapest car insurance companies after an at-fault accident in Sunset include Nationwide and AIG, offering $874 and $1117, respectively. Farmers is an expensive provider with an average six-month premium of $4265.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$874	$146
AIG	$1117	$189
State Farm	$1414	$238
Travelers	$1437	$242
United Automobile Ins Group	$2273	$379
Mercury	$2349	$396
UAIC	$2540	$424
Progressive	$4189	$705
Allstate	$5809	$978
Farmers	$4265	$710

Sunset Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Sunset FL. For example, the car insurance in Sunset after a DUI increases to $1200 for a six month policy. While the rate increases by $365 for a six-month policy in the case of a speeding ticket.

Sunset auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2335	$389
One Med/PIP claim	$2335	$397
Not-at-fault accident	$2524	$421
Two Med/PIP claims	$2593	$440
One comp claim	$2630	$439
Child safety restraint	$2638	$448
Failure to wear a seat belt	$2638	$440
Driving without lights	$2646	$449
Failure to show documents	$2646	$442
Speeding 6 - 10 MPH over limit	$2700	$460
Improper passing	$2707	$451
Passing school bus	$2707	$461
Wrong way/wrong lane	$2707	$451
Failure to stop at a red light	$2715	$462
Failure to yield	$2715	$452
Illegal turn	$2715	$462
Cell phone violation	$2723	$453
Driving with expired registration	$2723	$463
Following too closely	$2723	$453
Texting while driving	$2729	$465
Two comp claims	$2790	$465
Driving too slowly	$2806	$477
Speeding in school zone	$2806	$467
Speeding 11 - 15 MPH over limit	$2813	$479
In 65 MPH zone	$2912	$485
Speeding 16 - 20 MPH over limit	$2912	$495
Speeding 21 - 25 MPH over limit	$2927	$488
Open container	$2958	$503
Operating a vehicle without permission	$2958	$493
At-fault accident - less than $1000	$3209	$545
At-fault accident - $1000-$2000	$3261	$544
At-fault accident - greater than $2000	$3261	$554
Racing	$3528	$588
DUI	$3535	$602
Refusal to submit to a chemical test	$3535	$589
Driving with a suspended license	$3597	$612
Reckless driving	$3672	$612
Leaving scene of an accident/hit and run	$3711	$631

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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 Sunset 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 Sunset.

The cheapest car insurance premiums in Sunset are offered by AIG at $822 for a six-month policy. However, it can be as expensive as $3475 with companies like Farmers.

Sunset car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$822	$140
Travelers	$1574	$265
State Farm	$1955	$329
Progressive	$2167	$365
Allstate	$2935	$494
UAIC	$3444	$573
Farmers	$3475	$579

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 Sunset are offered by Nationwide at $714. However, it can be as expensive as $3711 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Sunset after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$714	$119
State Farm	$1140	$192
Travelers	$1407	$237
UAIC	$1939	$330
Allstate	$2098	$353
Progressive	$4927	$837
Farmers	$3711	$631

Car Insurance Price Trends in Sunset, Florida

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

The average cost of full coverage in the Sunset rose by $362 in March compared to $328 of February. In other words, there has been an increase by $34 when you compare March and February.

The average cost of liability insurance in the Sunset rose to $246 in March, compared to $106 in February. This represents an increase of $140 when comparing March and February.

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Frequently Asked Questions

How much is car insurance in Sunset?

The car insurance in Sunset is $92 per month, which is lower than the national average.

What is the cheapest car insurance in Sunset?

The cheapest car insurance in Sunset is $233 per month for full coverage.

How much is car insurance in Sunset for teenagers?

Car insurance for teenagers costs $692 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 Sunset?

The average cost of car insurance is $1711 for a six-month policy. It will cost around $367 per month to insure your car in Sunset.

Is car insurance expensive in Sunset?

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

Cheapest Car Insurance Quotes in Sunset

Why you can trust Way?

How Much Is Car Insurance in Sunset

Avg. Car Insurance in Sunset

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Sunset

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Sunset Car Insurance Rates by Company

Cheap Car Insurance Companies in Sunset, FL

Way's key takeaways about car insurance in Sunset

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Sunset

Cheapest Liability Coverage in Sunset, FL

Cheapest Full Coverage Car Insurance in Sunset

Cheapest Full Coverage Car Insurance Quotes in Sunset, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Sunset by Rating Factor

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

Car Insurance Premiums by Age in Sunset

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Sunset,FL

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

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 Sunset

Cheapest Car Insurance Companies after an At-Fault Accident in Sunset

Sunset Car Insurance Rates by Violation

Sunset auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Sunset after a DUI

Sunset car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Sunset after Speeding ticket

Car Insurance Price Trends in Sunset, Florida

Average Car Insurance Cost in Sunset by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Sunset, FL

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

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