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Finding the cheapest car insurance quotes in Sydney 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 Sydney
The car insurance rate in Sydney is $1745 for a six-month policy, which is $144 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1114, making it a popular choice for budget-conscious drivers. Rates in Sydney 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 $1114 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 $1185 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Nationwide
Nationwide offers auto insurance
rates at $1379
for six months, making it
the third cheapest auto insurance company in Sydney.
Sydney Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Sydney, FL is Travelers, offering policies at just $1114 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1185.
At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $1042 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sydney drivers find the best deals.
The auto insurance costs in Sydney fall around $1114 for six
months.
The cheapest auto insurance company in Sydney is Patrons Insurance.
Teen drivers pay the highest rate in Sydney at $1505 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
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Cheapest Minimum Liability Car Insurance in Sydney
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 Sydney are given below.
Patrons Insurance provides
the cheapest minimum car insurance
coverage in Sydney. Their Average 6 Month Premium is $136.
Metropolitan Group is the most
expensive at $414 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 Sydney is Travelers
at $187 per month and $1114
for six months.
Cheapest Full Coverage Car Insurance Quotes in Sydney,
FL
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 Sydney, FL increasing?
Despite maintaining a clean driving record, your car insurance rates
in Sydney, 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, Sydney's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Sydney
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
$1414
40s
Travelers
$1067
50s
Travelers
$995
60s
Travelers
$981
Cheapest Car Insurance Rates for Teen Drivers in
Sydney,FL
If you are planning to get a car insurance policy for your teenage
dependent, Nationwide provides the cheapest car
insurance in the Sydney at $98
per
month. At $8851 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 Sydney.
As young drivers face the highest rates in Sydney, Travelers
offers the cheapest auto insurance rates at $1414 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 Sydney,
Nationwide is
the cheapest car insurance provider. At $705 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
Sydney is Allstate, offering
rates of around $5659 for six
months.
Save up to $971/yr on car insurance rates in Sydney.
Car Insurance Rates with An Accident in Sydney
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 Sydney, FL,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Sydney
The cheapest car insurance companies after an at-fault accident in
Sydney include Nationwide
and AIG, offering $744
and $952,
respectively. National General is an expensive provider
with an average six-month premium of
$1152.
Here is a list of driving violations that can increase your car
insurance rates in Sydney FL. For example, the car
insurance in Sydney
after a DUI increases to $1023 for a six
month policy. While the rate increases by $311 for a six-month policy in the case of
a speeding ticket.
Sydney auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1988
$331
One Med/PIP claim
$1988
$338
Not-at-fault accident
$2149
$359
Two Med/PIP claims
$2208
$375
One comp claim
$2240
$374
Child safety restraint
$2246
$382
Failure to wear a seat belt
$2246
$375
Driving without lights
$2253
$383
Failure to show documents
$2253
$376
Speeding 6 - 10 MPH over limit
$2299
$391
Improper passing
$2305
$384
Passing school bus
$2305
$392
Wrong way/wrong lane
$2305
$384
Failure to stop at a red light
$2312
$393
Failure to yield
$2312
$385
Illegal turn
$2312
$393
Cell phone violation
$2318
$386
Driving with expired registration
$2318
$395
Following too closely
$2318
$386
Texting while driving
$2324
$396
Two comp claims
$2376
$396
Driving too slowly
$2389
$407
Speeding in school zone
$2389
$398
Speeding 11 - 15 MPH over limit
$2396
$408
In 65 MPH zone
$2480
$413
Speeding 16 - 20 MPH over limit
$2480
$422
Speeding 21 - 25 MPH over limit
$2493
$415
Open container
$2519
$428
Operating a vehicle without permission
$2519
$420
At-fault accident - less than $1000
$2733
$464
At-fault accident - $1000-$2000
$2777
$463
At-fault accident - greater than $2000
$2777
$472
Racing
$3004
$500
DUI
$3011
$512
Refusal to submit to a chemical test
$3011
$501
Driving with a suspended license
$3063
$521
Reckless driving
$3127
$521
Leaving scene of an accident/hit and run
$3160
$537
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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 Sydney 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 Sydney.
The cheapest car insurance premiums in
Sydney are
offered by AIG at $700 for a six-month policy.
However, it can be as
expensive as $868 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 Sydney are offered by Nationwide
at $608. However,
it can be as expensive as $3160
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Sydney after Speeding ticket
Car insurance rates in Sydney have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Sydney remained steady at $301 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Sydney remained steady at $92 in both December and November, indicating no change over the two month period.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Sydney. At $N/A for a
six-month policy, insuring
your car at N/A 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 Sydney?
The car insurance in Sydney is $23 per month, which is lower than the national average.
What is the cheapest car insurance in Sydney?
The cheapest car insurance in Sydney
is $187 per month
for full coverage.
How much is car insurance in Sydney for teenagers?
Car insurance for teenagers costs $590 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
Sydney?
The average cost of car insurance is $1601 for a six-month
policy. It will cost around $293 per month to insure your
car in Sydney.
Is car insurance expensive in Sydney?
Car insurance can be expensive in Sydney if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Sydney can be
affordable.
What is the best car insurance in Sydney,
FL?
The best car insurance company in Sydney
FL is
Travelers, offering $1114 for a
six-month policy.
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