Cheapest Car Insurance Quotes in Three Oaks

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Three Oaks Car Insurance

^$ 56

/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 Three Oaks

The car insurance rate in Three Oaks is $1335 for a six-month policy, which is $376 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $843, making it a popular choice for budget-conscious drivers. Rates in Three Oaks 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 Three Oaks

$1335

Avg. Car Insurance in Florida

$1711

National Average

$1278

Cheapest Car Insurance Companies in Three Oaks

1st place: Travelers

At $843 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 $881 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $922 for six months, making it the third cheapest auto insurance company in Three Oaks.

Three Oaks Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Three Oaks, FL is Travelers, offering policies at just $843 for a six-month term. This is followed by State Farm, which has an average six-month premium of $881.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1863 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Three Oaks drivers find the best deals.

Cheap Car Insurance Companies in Three Oaks, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$843	$142
State Farm	$881	$148
Nationwide	$922	$155
United Automobile Ins Group	$1065	$181
UAIC	$1177	$198
Progressive	$1390	$234
Mercury	$2011	$335
Allstate	$2025	$341
MetLife	$1172	$200
Farmers	$1863	$310

Key Takeaways

Way's key takeaways about car insurance in Three Oaks

The auto insurance costs in Three Oaks fall around $843 for six months.
The cheapest auto insurance company in Three Oaks is Mercury.
Teen drivers pay the highest rate in Three Oaks at $1077 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Three Oaks

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 Three Oaks are given below.

Mercury provides the cheapest minimum car insurance coverage in Three Oaks. Their Average 6 Month Premium is $334. Farmers is the most expensive at $514 for the same period.

Cheapest Liability Coverage in Three Oaks, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$334	$56
Nationwide	$371	$63
MetLife	$389	$65
AIG	$435	$74
United Automobile Ins Group	$561	$94
Travelers	$649	$109
State Farm	$959	$161
Progressive	$1603	$270
Allstate	$1798	$303
UAIC	$2099	$357
Patrons Insurance	$98	$16
Farmers	$514	$86

Cheapest Full Coverage Car Insurance in Three Oaks

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 Three Oaks is Travelers at $142 per month and $843 for six months.

Cheapest Full Coverage Car Insurance Quotes in Three Oaks, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$843	$142
State Farm	$881	$148
Nationwide	$922	$155
United Automobile Ins Group	$1065	$181
UAIC	$1177	$198
Progressive	$1390	$234
Mercury	$2011	$335
Allstate	$2025	$341
MetLife	$1172	$200
Farmers	$1863	$310

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Average Car Insurance in Three Oaks 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 Three Oaks, FL increasing?

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

Car Insurance Premiums by Age in Three Oaks

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 Three Oaks,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Three Oaks at $70 per month. At $6334 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$422	$70
AIG	$570	$97
Travelers	$1524	$257
State Farm	$1881	$317
United Automobile Ins Group	$2627	$438
UAIC	$2692	$458
Allstate	$4003	$674
Mercury	$4939	$831
Progressive	$7260	$1222
Farmers	$6334	$1077

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 Three Oaks, Nationwide is the cheapest car insurance provider. At $505 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 Three Oaks is Farmers, offering rates of around $2576 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$505	$86
Mercury	$551	$92
Direct General Insurance	$575	$98
UAIC	$1182	$197
Travelers	$1399	$236
Progressive	$3739	$623
Allstate	$4003	$681
State Farm	$5013	$835
Farmers	$2576	$438

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Car Insurance Rates with An Accident in Three Oaks

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

Cheapest Car Insurance Companies after an At-Fault Accident in Three Oaks

The cheapest car insurance companies after an at-fault accident in Three Oaks include Nationwide and AIG, offering $533 and $681, respectively. Farmers is an expensive provider with an average six-month premium of $2599.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$533	$89
AIG	$681	$115
State Farm	$862	$145
Travelers	$876	$147
United Automobile Ins Group	$1385	$231
Mercury	$1431	$241
UAIC	$1548	$258
Progressive	$2553	$430
Allstate	$3540	$596
Farmers	$2599	$433

Three Oaks Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Three Oaks FL. For example, the car insurance in Three Oaks after a DUI increases to $731 for a six month policy. While the rate increases by $222 for a six-month policy in the case of a speeding ticket.

Three Oaks auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1423	$237
One Med/PIP claim	$1423	$242
Not-at-fault accident	$1538	$257
Two Med/PIP claims	$1580	$268
One comp claim	$1603	$268
Child safety restraint	$1608	$273
Failure to wear a seat belt	$1608	$268
Driving without lights	$1612	$274
Failure to show documents	$1612	$269
Speeding 6 - 10 MPH over limit	$1645	$280
Improper passing	$1650	$275
Passing school bus	$1650	$281
Wrong way/wrong lane	$1650	$275
Failure to stop at a red light	$1654	$282
Failure to yield	$1654	$275
Illegal turn	$1654	$282
Cell phone violation	$1659	$276
Driving with expired registration	$1659	$282
Following too closely	$1659	$276
Texting while driving	$1663	$283
Two comp claims	$1700	$283
Driving too slowly	$1710	$291
Speeding in school zone	$1710	$285
Speeding 11 - 15 MPH over limit	$1714	$292
In 65 MPH zone	$1775	$296
Speeding 16 - 20 MPH over limit	$1775	$302
Speeding 21 - 25 MPH over limit	$1784	$297
Open container	$1803	$307
Operating a vehicle without permission	$1803	$300
At-fault accident - less than $1000	$1955	$332
At-fault accident - $1000-$2000	$1987	$332
At-fault accident - greater than $2000	$1987	$338
Racing	$2150	$358
DUI	$2154	$367
Refusal to submit to a chemical test	$2154	$359
Driving with a suspended license	$2192	$373
Reckless driving	$2238	$373
Leaving scene of an accident/hit and run	$2261	$385

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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 Three Oaks 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 Three Oaks.

The cheapest car insurance premiums in Three Oaks are offered by AIG at $501 for a six-month policy. However, it can be as expensive as $2118 with companies like Farmers.

Three Oaks car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$501	$85
Travelers	$959	$161
State Farm	$1191	$200
Progressive	$1321	$222
Allstate	$1789	$301
UAIC	$2099	$349
Farmers	$2118	$353

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 Three Oaks are offered by Nationwide at $435. However, it can be as expensive as $2261 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Three Oaks after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$435	$73
State Farm	$695	$117
Travelers	$857	$144
UAIC	$1182	$201
Allstate	$1278	$215
Progressive	$3002	$510
Farmers	$2261	$385

Car Insurance Price Trends in Three Oaks, Florida

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

The average cost of full coverage in the Three Oaks rose by $221 in March compared to $200 of February. In other words, there has been an increase by $21 when you compare March and February.

The average cost of liability insurance in the Three Oaks rose to $150 in March, compared to $65 in February. This represents an increase of $85 when comparing March and February.

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Frequently Asked Questions

How much is car insurance in Three Oaks?

The car insurance in Three Oaks is $56 per month, which is lower than the national average.

What is the cheapest car insurance in Three Oaks?

The cheapest car insurance in Three Oaks is $142 per month for full coverage.

How much is car insurance in Three Oaks for teenagers?

Car insurance for teenagers costs $422 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 Three Oaks?

The average cost of car insurance is $1711 for a six-month policy. It will cost around $224 per month to insure your car in Three Oaks.

Is car insurance expensive in Three Oaks?

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

Cheapest Car Insurance Quotes in Three Oaks

Why you can trust Way?

How Much Is Car Insurance in Three Oaks

Avg. Car Insurance in Three Oaks

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Three Oaks

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Three Oaks Car Insurance Rates by Company

Cheap Car Insurance Companies in Three Oaks, FL

Way's key takeaways about car insurance in Three Oaks

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Three Oaks

Cheapest Liability Coverage in Three Oaks, FL

Cheapest Full Coverage Car Insurance in Three Oaks

Cheapest Full Coverage Car Insurance Quotes in Three Oaks, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Three Oaks by Rating Factor

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

Car Insurance Premiums by Age in Three Oaks

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Three Oaks,FL

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

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 Three Oaks

Cheapest Car Insurance Companies after an At-Fault Accident in Three Oaks

Three Oaks Car Insurance Rates by Violation

Three Oaks auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Three Oaks after a DUI

Three Oaks car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Three Oaks after Speeding ticket

Car Insurance Price Trends in Three Oaks, Florida

Average Car Insurance Cost in Three Oaks by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Three Oaks, FL

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

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