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Finding the cheapest car insurance quotes in Terra Ceia 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 Terra Ceia
The car insurance rate in Terra Ceia is $1585 for a six-month policy, which is $16 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1012, making it a popular choice for budget-conscious drivers. Rates in Terra Ceia 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 $1012 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 $1076 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Nationwide
Nationwide offers auto insurance
rates at $1252
for six months, making it
the third cheapest auto insurance company in Terra Ceia.
Terra Ceia Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Terra Ceia, FL is Travelers, offering policies at just $1012 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1076.
At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $946 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Terra Ceia drivers find the best deals.
Way's key takeaways about car insurance in Terra Ceia
The auto insurance costs in Terra Ceia fall around $1012 for six
months.
The cheapest auto insurance company in Terra Ceia is Patrons Insurance.
Teen drivers pay the highest rate in Terra Ceia at $1367 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 Terra Ceia
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 Terra Ceia are given below.
Patrons Insurance provides
the cheapest minimum car insurance
coverage in Terra Ceia. Their Average 6 Month Premium is $124.
Metropolitan Group is the most
expensive at $376 for the same
period.
Cheapest Full Coverage Car Insurance in Terra Ceia
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 Terra Ceia is Travelers
at $170 per month and $1012
for six months.
Cheapest Full Coverage Car Insurance Quotes in Terra Ceia,
FL
Get Your Car Insurance Quote in Terra Ceia
Instantly!
Average Car Insurance in Terra Ceia 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 Terra Ceia, FL increasing?
Despite maintaining a clean driving record, your car insurance rates
in Terra Ceia, 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, Terra Ceia's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Terra Ceia
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
$1284
40s
Travelers
$969
50s
Travelers
$904
60s
Travelers
$891
Cheapest Car Insurance Rates for Teen Drivers in
Terra Ceia,FL
If you are planning to get a car insurance policy for your teenage
dependent, Nationwide provides the cheapest car
insurance in the Terra Ceia at $89
per
month. At $8039 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 Terra Ceia.
As young drivers face the highest rates in Terra Ceia, Travelers
offers the cheapest auto insurance rates at $1284 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 Terra Ceia,
Nationwide is
the cheapest car insurance provider. At $641 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
Terra Ceia is Allstate, offering
rates of around $5140 for six
months.
Save up to $971/yr on car insurance rates in Terra Ceia.
Car Insurance Rates with An Accident in Terra Ceia
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 Terra Ceia, FL,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Terra Ceia
The cheapest car insurance companies after an at-fault accident in
Terra Ceia include Nationwide
and AIG, offering $676
and $864,
respectively. National General is an expensive provider
with an average six-month premium of
$1046.
Here is a list of driving violations that can increase your car
insurance rates in Terra Ceia FL. For example, the car
insurance in Terra Ceia
after a DUI increases to $928 for a six
month policy. While the rate increases by $282 for a six-month policy in the case of
a speeding ticket.
Terra Ceia auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1806
$301
One Med/PIP claim
$1806
$307
Not-at-fault accident
$1952
$326
Two Med/PIP claims
$2006
$341
One comp claim
$2034
$340
Child safety restraint
$2040
$347
Failure to wear a seat belt
$2040
$341
Driving without lights
$2046
$347
Failure to show documents
$2046
$342
Speeding 6 - 10 MPH over limit
$2088
$355
Improper passing
$2094
$348
Passing school bus
$2094
$356
Wrong way/wrong lane
$2094
$348
Failure to stop at a red light
$2100
$357
Failure to yield
$2100
$349
Illegal turn
$2100
$357
Cell phone violation
$2106
$350
Driving with expired registration
$2106
$358
Following too closely
$2106
$350
Texting while driving
$2111
$359
Two comp claims
$2158
$359
Driving too slowly
$2170
$369
Speeding in school zone
$2170
$361
Speeding 11 - 15 MPH over limit
$2176
$370
In 65 MPH zone
$2252
$375
Speeding 16 - 20 MPH over limit
$2252
$383
Speeding 21 - 25 MPH over limit
$2264
$377
Open container
$2288
$389
Operating a vehicle without permission
$2288
$381
At-fault accident - less than $1000
$2482
$422
At-fault accident - $1000-$2000
$2523
$421
At-fault accident - greater than $2000
$2523
$429
Racing
$2728
$454
DUI
$2734
$465
Refusal to submit to a chemical test
$2734
$455
Driving with a suspended license
$2782
$473
Reckless driving
$2840
$473
Leaving scene of an accident/hit and run
$2870
$488
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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 Terra Ceia 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 Terra Ceia.
The cheapest car insurance premiums in
Terra Ceia are
offered by AIG at $636 for a six-month policy.
However, it can be as
expensive as $788 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 Terra Ceia are offered by Nationwide
at $552. However,
it can be as expensive as $2870
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Terra Ceia after Speeding ticket
Car insurance rates in Terra Ceia have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Terra Ceia remained steady at $273 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Terra Ceia remained steady at $83 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Terra Ceia 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
Terra Ceia. 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 Terra Ceia?
The car insurance in Terra Ceia is $21 per month, which is lower than the national average.
What is the cheapest car insurance in Terra Ceia?
The cheapest car insurance in Terra Ceia
is $170 per month
for full coverage.
How much is car insurance in Terra Ceia for teenagers?
Car insurance for teenagers costs $536 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
Terra Ceia?
The average cost of car insurance is $1601 for a six-month
policy. It will cost around $266 per month to insure your
car in Terra Ceia.
Is car insurance expensive in Terra Ceia?
Car insurance can be expensive in Terra Ceia if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Terra Ceia can be
affordable.
What is the best car insurance in Terra Ceia,
FL?
The best car insurance company in Terra Ceia
FL is
Travelers, offering $1012 for a
six-month policy.
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Terra Ceia Car Insurance
