Cheapest Car Insurance Quotes in Tierra Verde

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Tierra Verde Car Insurance

^$ 23

/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 Tierra Verde

The car insurance rate in Tierra Verde is $1777 for a six-month policy, which is $176 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1134, making it a popular choice for budget-conscious drivers. Rates in Tierra Verde 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 Tierra Verde

$1777

Avg. Car Insurance in Florida

$1601

National Average

$1140

Cheapest Car Insurance Companies in Tierra Verde

1st place: Travelers

At $1134 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 $1207 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1404 for six months, making it the third cheapest auto insurance company in Tierra Verde.

Tierra Verde Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Tierra Verde, FL is Travelers, offering policies at just $1134 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1207.

At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $1061 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Tierra Verde drivers find the best deals.

Cheap Car Insurance Companies in Tierra Verde, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1134	$191
State Farm	$1207	$203
Nationwide	$1404	$236
United Automobile Ins Group	$1516	$253
Progressive	$1583	$266
UAIC	$1583	$264
MetLife	$1668	$284
Farmers	$2651	$442
Mercury	$2862	$486
Allstate	$2882	$485
Metropolitan Group	$1061	$176

Key Takeaways

Way's key takeaways about car insurance in Tierra Verde

The auto insurance costs in Tierra Verde fall around $1134 for six months.
The cheapest auto insurance company in Tierra Verde is Patrons Insurance.
Teen drivers pay the highest rate in Tierra Verde at $1533 per month.

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

Cheapest Minimum Liability Car Insurance in Tierra Verde

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 Tierra Verde are given below.

Patrons Insurance provides the cheapest minimum car insurance coverage in Tierra Verde. Their Average 6 Month Premium is $139. Metropolitan Group is the most expensive at $422 for the same period.

Cheapest Liability Coverage in Tierra Verde, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$139	$23
Travelers	$422	$71
State Farm	$448	$75
Mercury	$475	$80
Nationwide	$527	$90
Farmers	$731	$122
AIG	$745	$127
Progressive	$778	$131
United Automobile Ins Group	$798	$135
UAIC	$864	$144
Allstate	$996	$168
Metropolitan Group	$422	$70

Cheapest Full Coverage Car Insurance in Tierra Verde

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 Tierra Verde is Travelers at $191 per month and $1134 for six months.

Cheapest Full Coverage Car Insurance Quotes in Tierra Verde, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1134	$191
State Farm	$1207	$203
Nationwide	$1404	$236
United Automobile Ins Group	$1516	$253
Progressive	$1583	$266
UAIC	$1583	$264
MetLife	$1668	$284
Farmers	$2651	$442
Mercury	$2862	$486
Allstate	$2882	$485
Metropolitan Group	$1061	$176

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Average Car Insurance in Tierra Verde 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 Tierra Verde, FL increasing?

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

Car Insurance Premiums by Age in Tierra Verde

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	$1440
40s	Travelers	$1087
50s	Travelers	$1013
60s	Travelers	$999

Cheapest Car Insurance Rates for Teen Drivers in Tierra Verde,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Tierra Verde at $100 per month. At $9013 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$601	$100
AIG	$811	$138
Travelers	$1839	$310
State Farm	$2420	$407
UAIC	$3600	$601
United Automobile Ins Group	$3738	$636
Allstate	$5670	$955
Mercury	$7029	$1183
Progressive	$7510	$1264
Farmers	$9013	$1533

Teen Car Insurance Rates in FL by Age

Way Tip

If you are in your twenties Travelers is the best choice for car insurance in Tierra Verde.

As young drivers face the highest rates in Tierra Verde, Travelers offers the cheapest auto insurance rates at $1440 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 Tierra Verde, Nationwide is the cheapest car insurance provider. At $718 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 Tierra Verde is Allstate, offering rates of around $5763 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$718	$122
Mercury	$785	$131
Direct General Insurance	$818	$139
Travelers	$1556	$262
UAIC	$1583	$269
Progressive	$3059	$509
Farmers	$3666	$624
State Farm	$5492	$916
Allstate	$5763	$980

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Save up to $971/yr on car insurance rates in Tierra Verde.

Car Insurance Rates with An Accident in Tierra Verde

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

Cheapest Car Insurance Companies after an At-Fault Accident in Tierra Verde

The cheapest car insurance companies after an at-fault accident in Tierra Verde include Nationwide and AIG, offering $758 and $969, respectively. National General is an expensive provider with an average six-month premium of $1173.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$758	$127
AIG	$969	$164
Travelers	$1094	$184
State Farm	$1128	$190
United Automobile Ins Group	$1971	$329
Mercury	$2037	$343
UAIC	$2063	$344
Progressive	$2703	$455
Farmers	$3699	$616
Allstate	$5004	$842
National General	$1173	$200

Tierra Verde Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Tierra Verde FL. For example, the car insurance in Tierra Verde after a DUI increases to $1041 for a six month policy. While the rate increases by $316 for a six-month policy in the case of a speeding ticket.

Tierra Verde auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2025	$337
One Med/PIP claim	$2025	$344
Not-at-fault accident	$2189	$365
Two Med/PIP claims	$2249	$382
One comp claim	$2281	$381
Child safety restraint	$2288	$389
Failure to wear a seat belt	$2288	$382
Driving without lights	$2294	$390
Failure to show documents	$2294	$383
Speeding 6 - 10 MPH over limit	$2341	$398
Improper passing	$2348	$391
Passing school bus	$2348	$400
Wrong way/wrong lane	$2348	$391
Failure to stop at a red light	$2354	$401
Failure to yield	$2354	$392
Illegal turn	$2354	$401
Cell phone violation	$2361	$393
Driving with expired registration	$2361	$402
Following too closely	$2361	$393
Texting while driving	$2367	$403
Two comp claims	$2420	$403
Driving too slowly	$2433	$414
Speeding in school zone	$2433	$405
Speeding 11 - 15 MPH over limit	$2440	$415
In 65 MPH zone	$2525	$421
Speeding 16 - 20 MPH over limit	$2525	$430
Speeding 21 - 25 MPH over limit	$2539	$423
Open container	$2565	$436
Operating a vehicle without permission	$2565	$427
At-fault accident - less than $1000	$2783	$473
At-fault accident - $1000-$2000	$2828	$472
At-fault accident - greater than $2000	$2828	$481
Racing	$3059	$509
DUI	$3066	$522
Refusal to submit to a chemical test	$3066	$511
Driving with a suspended license	$3119	$531
Reckless driving	$3185	$531
Leaving scene of an accident/hit and run	$3218	$547

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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 Tierra Verde 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 Tierra Verde.

The cheapest car insurance premiums in Tierra Verde are offered by AIG at $713 for a six-month policy. However, it can be as expensive as $884 with companies like National General.

Tierra Verde car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$713	$119
Travelers	$1134	$191
State Farm	$1378	$232
Progressive	$1391	$234
Allstate	$2532	$426
UAIC	$2789	$474
Farmers	$3014	$502
National General	$884	$148

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 Tierra Verde are offered by Nationwide at $619. However, it can be as expensive as $3218 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Tierra Verde after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$619	$105
State Farm	$798	$134
Travelers	$956	$161
UAIC	$1583	$264
Allstate	$1814	$305
Progressive	$2617	$436
Farmers	$3218	$547

Car Insurance Price Trends in Tierra Verde, Florida

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

The average cost of full coverage in the Tierra Verde remained steady at $306 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Tierra Verde remained steady at $93 in both December and November, indicating no change over the two month period.

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Principal

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Frequently Asked Questions

How much is car insurance in Tierra Verde?

The car insurance in Tierra Verde is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Tierra Verde?

The cheapest car insurance in Tierra Verde is $191 per month for full coverage.

How much is car insurance in Tierra Verde for teenagers?

Car insurance for teenagers costs $601 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 Tierra Verde?

The average cost of car insurance is $1601 for a six-month policy. It will cost around $299 per month to insure your car in Tierra Verde.

Is car insurance expensive in Tierra Verde?

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

Cheapest Car Insurance Quotes in Tierra Verde

Why you can trust Way?

How Much Is Car Insurance in Tierra Verde

Avg. Car Insurance in Tierra Verde

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Tierra Verde

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Tierra Verde Car Insurance Rates by Company

Cheap Car Insurance Companies in Tierra Verde, FL

Way's key takeaways about car insurance in Tierra Verde

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Tierra Verde

Cheapest Liability Coverage in Tierra Verde, FL

Cheapest Full Coverage Car Insurance in Tierra Verde

Cheapest Full Coverage Car Insurance Quotes in Tierra Verde, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Tierra Verde by Rating Factor

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

Car Insurance Premiums by Age in Tierra Verde

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Tierra Verde,FL

If you are in your twenties Travelers is the best choice for car insurance in Tierra Verde.

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 Tierra Verde

Cheapest Car Insurance Companies after an At-Fault Accident in Tierra Verde

Tierra Verde Car Insurance Rates by Violation

Tierra Verde auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Tierra Verde after a DUI

Tierra Verde car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Tierra Verde after Speeding ticket

Car Insurance Price Trends in Tierra Verde, Florida

Average Car Insurance Cost in Tierra Verde by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Tierra Verde, FL

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

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