Cheapest Car Insurance Quotes in Sunset

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Sunset Car Insurance

^$ 27

/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 $2049 for a six-month policy, which is $448 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1308, 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

$2049

Avg. Car Insurance in Florida

$1601

National Average

$1140

Cheapest Car Insurance Companies in Sunset

1st place: Travelers

At $1308 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 $1391 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1619 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 $1308 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1391.

At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $1224 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	$1308	$220
State Farm	$1391	$234
Nationwide	$1619	$273
United Automobile Ins Group	$1748	$292
Progressive	$1825	$307
UAIC	$1825	$305
MetLife	$1924	$328
Farmers	$3057	$509
Mercury	$3300	$561
Allstate	$3323	$559
Metropolitan Group	$1224	$204

Key Takeaways

Way's key takeaways about car insurance in Sunset

The auto insurance costs in Sunset fall around $1308 for six months.
The cheapest auto insurance company in Sunset is Patrons Insurance.
Teen drivers pay the highest rate in Sunset at $1768 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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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.

Patrons Insurance provides the cheapest minimum car insurance coverage in Sunset. Their Average 6 Month Premium is $160. Metropolitan Group is the most expensive at $486 for the same period.

Cheapest Liability Coverage in Sunset, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$160	$27
Travelers	$486	$82
State Farm	$517	$87
Mercury	$548	$92
Nationwide	$608	$104
Farmers	$844	$141
AIG	$859	$146
Progressive	$897	$151
United Automobile Ins Group	$920	$156
UAIC	$996	$166
Allstate	$1148	$193
Metropolitan Group	$486	$81

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 $220 per month and $1308 for six months.

Cheapest Full Coverage Car Insurance Quotes in Sunset, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1308	$220
State Farm	$1391	$234
Nationwide	$1619	$273
United Automobile Ins Group	$1748	$292
Progressive	$1825	$307
UAIC	$1825	$305
MetLife	$1924	$328
Farmers	$3057	$509
Mercury	$3300	$561
Allstate	$3323	$559
Metropolitan Group	$1224	$204

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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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Travelers	$1660
40s	Travelers	$1253
50s	Travelers	$1169
60s	Travelers	$1152

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	$2121	$357
State Farm	$2790	$470
UAIC	$4151	$692
United Automobile Ins Group	$4311	$733
Allstate	$6538	$1101
Mercury	$8105	$1364
Progressive	$8660	$1458
Farmers	$10394	$1768

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 Sunset.

As young drivers face the highest rates in Sunset, Travelers offers the cheapest auto insurance rates at $1660 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 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 Allstate, offering rates of around $6646 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$828	$141
Mercury	$905	$151
Direct General Insurance	$943	$160
Travelers	$1795	$302
UAIC	$1825	$310
Progressive	$3528	$588
Farmers	$4228	$719
State Farm	$6333	$1056
Allstate	$6646	$1130

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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. National General is an expensive provider with an average six-month premium of $1353.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$874	$146
AIG	$1117	$189
Travelers	$1262	$212
State Farm	$1300	$219
United Automobile Ins Group	$2273	$379
Mercury	$2349	$396
UAIC	$2380	$397
Progressive	$3117	$525
Farmers	$4265	$710
Allstate	$5770	$972
National General	$1353	$230

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 $1019 with companies like National General.

Sunset car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$822	$137
Travelers	$1308	$220
State Farm	$1588	$268
Progressive	$1604	$270
Allstate	$2920	$492
UAIC	$3217	$547
Farmers	$3475	$579
National General	$1019	$170

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	$122
State Farm	$920	$155
Travelers	$1102	$186
UAIC	$1825	$305
Allstate	$2092	$352
Progressive	$3018	$503
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 remained steady at $353 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Sunset remained steady at $108 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 Sunset?

The car insurance in Sunset is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Sunset?

The cheapest car insurance in Sunset is $220 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 $1601 for a six-month policy. It will cost around $344 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 Travelers 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!

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