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Finding the cheapest car insurance quotes in Suwannee shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Suwannee
The car insurance rate in Suwannee is $1281 for a six-month policy, which is $320 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $818, making it a popular choice for budget-conscious drivers. Rates in Suwannee 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.
At $818 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 $870 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Nationwide
Nationwide offers auto insurance
rates at $1012
for six months, making it
the third cheapest auto insurance company in Suwannee.
Suwannee Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Suwannee, FL is Travelers, offering policies at just $818 for a six-month term. This is followed by State Farm, which has an average six-month premium of $870.
At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $765 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Suwannee drivers find the best deals.
Way's key takeaways about car insurance in Suwannee
The auto insurance costs in Suwannee fall around $818 for six
months.
The cheapest auto insurance company in Suwannee is Patrons Insurance.
Teen drivers pay the highest rate in Suwannee at $1105 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 Suwannee
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 Suwannee are given below.
Patrons Insurance provides
the cheapest minimum car insurance
coverage in Suwannee. Their Average 6 Month Premium is $100.
Metropolitan Group is the most
expensive at $304 for the same
period.
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 Suwannee is Travelers
at $138 per month and $818
for six months.
Cheapest Full Coverage Car Insurance Quotes in Suwannee,
FL
Get Your Car Insurance Quote in Suwannee
Instantly!
Average Car Insurance in Suwannee 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 Suwannee, FL increasing?
Despite maintaining a clean driving record, your car insurance rates
in Suwannee, 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, Suwannee's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Suwannee
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
$1038
40s
Travelers
$783
50s
Travelers
$730
60s
Travelers
$720
Cheapest Car Insurance Rates for Teen Drivers in
Suwannee,FL
If you are planning to get a car insurance policy for your teenage
dependent, Nationwide provides the cheapest car
insurance in the Suwannee at $72
per
month. At $6496 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties Travelers is
the best choice for car
insurance in Suwannee.
As young drivers face the highest rates in Suwannee, Travelers
offers the cheapest auto insurance rates at $1038 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 Suwannee,
Nationwide is
the cheapest car insurance provider. At $518 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
Suwannee is Allstate, offering
rates of around $4154 for six
months.
Save up to $971/yr on car insurance rates in Suwannee.
Car Insurance Rates with An Accident in Suwannee
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 Suwannee, FL,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Suwannee
The cheapest car insurance companies after an at-fault accident in
Suwannee include Nationwide
and AIG, offering $546
and $698,
respectively. National General is an expensive provider
with an average six-month premium of
$846.
Here is a list of driving violations that can increase your car
insurance rates in Suwannee FL. For example, the car
insurance in Suwannee
after a DUI increases to $751 for a six
month policy. While the rate increases by $228 for a six-month policy in the case of
a speeding ticket.
Suwannee auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1459
$243
One Med/PIP claim
$1459
$248
Not-at-fault accident
$1578
$263
Two Med/PIP claims
$1621
$275
One comp claim
$1644
$274
Child safety restraint
$1649
$280
Failure to wear a seat belt
$1649
$275
Driving without lights
$1654
$281
Failure to show documents
$1654
$276
Speeding 6 - 10 MPH over limit
$1687
$287
Improper passing
$1692
$282
Passing school bus
$1692
$288
Wrong way/wrong lane
$1692
$282
Failure to stop at a red light
$1697
$289
Failure to yield
$1697
$282
Illegal turn
$1697
$289
Cell phone violation
$1702
$283
Driving with expired registration
$1702
$290
Following too closely
$1702
$283
Texting while driving
$1706
$290
Two comp claims
$1744
$290
Driving too slowly
$1754
$298
Speeding in school zone
$1754
$292
Speeding 11 - 15 MPH over limit
$1758
$299
In 65 MPH zone
$1820
$303
Speeding 16 - 20 MPH over limit
$1820
$310
Speeding 21 - 25 MPH over limit
$1830
$305
Open container
$1849
$314
Operating a vehicle without permission
$1849
$308
At-fault accident - less than $1000
$2006
$341
At-fault accident - $1000-$2000
$2038
$340
At-fault accident - greater than $2000
$2038
$346
Racing
$2205
$367
DUI
$2210
$376
Refusal to submit to a chemical test
$2210
$368
Driving with a suspended license
$2248
$382
Reckless driving
$2295
$382
Leaving scene of an accident/hit and run
$2319
$394
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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 Suwannee 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 Suwannee.
The cheapest car insurance premiums in
Suwannee are
offered by AIG at $514 for a six-month policy.
However, it can be as
expensive as $637 with companies
like National General.
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 Suwannee are offered by Nationwide
at $446. However,
it can be as expensive as $2319
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Suwannee after Speeding ticket
Car insurance rates in Suwannee have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Suwannee remained steady at $221 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Suwannee remained steady at $67 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Suwannee by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Suwannee. At $2561 for a
six-month policy, insuring
your car at 32692 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Suwannee?
The car insurance in Suwannee is $17 per month, which is lower than the national average.
What is the cheapest car insurance in Suwannee?
The cheapest car insurance in Suwannee
is $138 per month
for full coverage.
How much is car insurance in Suwannee for teenagers?
Car insurance for teenagers costs $433 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
Suwannee?
The average cost of car insurance is $1601 for a six-month
policy. It will cost around $215 per month to insure your
car in Suwannee.
Is car insurance expensive in Suwannee?
Car insurance can be expensive in Suwannee if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Suwannee can be
affordable.
What is the best car insurance in Suwannee,
FL?
The best car insurance company in Suwannee
FL is
Travelers, offering $818 for a
six-month policy.
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Suwannee Car Insurance
