Cheapest Car Insurance Quotes in Thonotosassa

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Thonotosassa Car Insurance

^$ 73

/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 Thonotosassa

The car insurance rate in Thonotosassa is $1983 for a six-month policy, which is $358 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1181, making it a popular choice for budget-conscious drivers. Rates in Thonotosassa 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 Thonotosassa

$1983

Avg. Car Insurance in Florida

$1625

National Average

$1278

Cheapest Car Insurance Companies in Thonotosassa

1st place: Travelers

At $1181 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 $1319 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1442 for six months, making it the third cheapest auto insurance company in Thonotosassa.

Thonotosassa Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Thonotosassa, FL is Travelers, offering policies at just $1181 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1319.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2913 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Thonotosassa drivers find the best deals.

Cheap Car Insurance Companies in Thonotosassa, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1181	$199
State Farm	$1319	$222
Nationwide	$1442	$243
Progressive	$1529	$257
United Automobile Ins Group	$1667	$278
UAIC	$1826	$311
Allstate	$2978	$497
Mercury	$3145	$534
MetLife	$1834	$312
Farmers	$2913	$486

Key Takeaways

Way's key takeaways about car insurance in Thonotosassa

The auto insurance costs in Thonotosassa fall around $1181 for six months.
The cheapest auto insurance company in Thonotosassa is Travelers.
Teen drivers pay the highest rate in Thonotosassa at $1685 per month.

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Cheapest Minimum Liability Car Insurance in Thonotosassa

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 Thonotosassa are given below.

Travelers provides the cheapest minimum car insurance coverage in Thonotosassa. Their Average 6 Month Premium is $434. Farmers is the most expensive at $804 for the same period.

Cheapest Liability Coverage in Thonotosassa, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$434	$73
State Farm	$471	$79
Mercury	$522	$88
Nationwide	$580	$99
MetLife	$609	$101
AIG	$681	$116
Progressive	$855	$144
United Automobile Ins Group	$877	$149
UAIC	$949	$159
Allstate	$1087	$183
Patrons Insurance	$153	$26
Farmers	$804	$134

Cheapest Full Coverage Car Insurance in Thonotosassa

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 Thonotosassa is Travelers at $199 per month and $1181 for six months.

Cheapest Full Coverage Car Insurance Quotes in Thonotosassa, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1181	$199
State Farm	$1319	$222
Nationwide	$1442	$243
Progressive	$1529	$257
United Automobile Ins Group	$1667	$278
UAIC	$1826	$311
Allstate	$2978	$497
Mercury	$3145	$534
MetLife	$1834	$312
Farmers	$2913	$486

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Average Car Insurance in Thonotosassa 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 Thonotosassa, FL increasing?

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

Car Insurance Premiums by Age in Thonotosassa

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 Thonotosassa,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Thonotosassa at $110 per month. At $9906 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$660	$110
AIG	$892	$151
Travelers	$1942	$327
State Farm	$2334	$393
UAIC	$3109	$523
United Automobile Ins Group	$4109	$699
Allstate	$5073	$854
Progressive	$6529	$1099
Mercury	$7725	$1301
Farmers	$9906	$1685

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 Thonotosassa, Nationwide is the cheapest car insurance provider. At $789 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 Thonotosassa is Farmers, offering rates of around $4030 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$789	$134
Mercury	$863	$144
Direct General Insurance	$899	$153
UAIC	$1747	$292
Travelers	$1913	$322
Progressive	$3362	$560
Allstate	$5899	$1003
State Farm	$6037	$1007
Farmers	$4030	$686

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Car Insurance Rates with An Accident in Thonotosassa

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

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

The cheapest car insurance companies after an at-fault accident in Thonotosassa include Nationwide and AIG, offering $833 and $1065, respectively. Farmers is an expensive provider with an average six-month premium of $4065.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$833	$139
AIG	$1065	$181
State Farm	$1240	$209
Travelers	$1261	$212
United Automobile Ins Group	$2167	$361
Mercury	$2239	$377
UAIC	$2268	$378
Progressive	$2971	$500
Allstate	$5290	$891
Farmers	$4065	$677

Thonotosassa Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Thonotosassa FL. For example, the car insurance in Thonotosassa after a DUI increases to $1145 for a six month policy. While the rate increases by $348 for a six-month policy in the case of a speeding ticket.

Thonotosassa auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2225	$371
One Med/PIP claim	$2225	$378
Not-at-fault accident	$2406	$401
Two Med/PIP claims	$2472	$420
One comp claim	$2507	$418
Child safety restraint	$2514	$427
Failure to wear a seat belt	$2514	$420
Driving without lights	$2522	$428
Failure to show documents	$2522	$421
Speeding 6 - 10 MPH over limit	$2573	$438
Improper passing	$2580	$429
Passing school bus	$2580	$439
Wrong way/wrong lane	$2580	$429
Failure to stop at a red light	$2588	$440
Failure to yield	$2588	$431
Illegal turn	$2588	$440
Cell phone violation	$2595	$432
Driving with expired registration	$2595	$442
Following too closely	$2595	$432
Texting while driving	$2601	$443
Two comp claims	$2660	$443
Driving too slowly	$2674	$455
Speeding in school zone	$2674	$445
Speeding 11 - 15 MPH over limit	$2682	$456
In 65 MPH zone	$2776	$462
Speeding 16 - 20 MPH over limit	$2776	$472
Speeding 21 - 25 MPH over limit	$2790	$465
Open container	$2819	$479
Operating a vehicle without permission	$2819	$470
At-fault accident - less than $1000	$3059	$520
At-fault accident - $1000-$2000	$3109	$519
At-fault accident - greater than $2000	$3109	$528
Racing	$3362	$560
DUI	$3370	$573
Refusal to submit to a chemical test	$3370	$561
Driving with a suspended license	$3428	$583
Reckless driving	$3500	$583
Leaving scene of an accident/hit and run	$3537	$601

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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 Thonotosassa 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 Thonotosassa.

The cheapest car insurance premiums in Thonotosassa are offered by AIG at $783 for a six-month policy. However, it can be as expensive as $3312 with companies like Farmers.

Thonotosassa car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$783	$133
Travelers	$1282	$216
Progressive	$1471	$248
State Farm	$1768	$298
Allstate	$2391	$403
UAIC	$3073	$512
Farmers	$3312	$551

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 Thonotosassa are offered by Nationwide at $681. However, it can be as expensive as $3537 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Thonotosassa after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$681	$113
State Farm	$863	$145
Travelers	$978	$165
Allstate	$2566	$432
UAIC	$2805	$467
Progressive	$3436	$584
Farmers	$3537	$601

Car Insurance Price Trends in Thonotosassa, Florida

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

The average cost of full coverage in the Thonotosassa dipped by $312 in January compared to $337 of December. In other words, there has been an decrease by $25 when you compare January and December.

The average cost of liability insurance in the Thonotosassa dipped to $101 in January, compared to $102 in December. This represents an decrease of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Thonotosassa?

The car insurance in Thonotosassa is $73 per month, which is lower than the national average.

What is the cheapest car insurance in Thonotosassa?

The cheapest car insurance in Thonotosassa is $199 per month for full coverage.

How much is car insurance in Thonotosassa for teenagers?

Car insurance for teenagers costs $660 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 Thonotosassa?

The average cost of car insurance is $1625 for a six-month policy. It will cost around $333 per month to insure your car in Thonotosassa.

Is car insurance expensive in Thonotosassa?

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

Cheapest Car Insurance Quotes in Thonotosassa

Why you can trust Way?

How Much Is Car Insurance in Thonotosassa

Avg. Car Insurance in Thonotosassa

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Thonotosassa

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Thonotosassa Car Insurance Rates by Company

Cheap Car Insurance Companies in Thonotosassa, FL

Way's key takeaways about car insurance in Thonotosassa

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Thonotosassa

Cheapest Liability Coverage in Thonotosassa, FL

Cheapest Full Coverage Car Insurance in Thonotosassa

Cheapest Full Coverage Car Insurance Quotes in Thonotosassa, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Thonotosassa by Rating Factor

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

Car Insurance Premiums by Age in Thonotosassa

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Thonotosassa,FL

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

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 Thonotosassa

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

Thonotosassa Car Insurance Rates by Violation

Thonotosassa auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Thonotosassa after a DUI

Thonotosassa car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Thonotosassa after Speeding ticket

Car Insurance Price Trends in Thonotosassa, Florida

Average Car Insurance Cost in Thonotosassa by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Thonotosassa, FL

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

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