Cheapest Car Insurance Quotes in Treasure Island

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Treasure Island 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 Treasure Island

The car insurance rate in Treasure Island is $1832 for a six-month policy, which is $167 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1124, making it a popular choice for budget-conscious drivers. Rates in Treasure Island 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 Treasure Island

$1832

Avg. Car Insurance in Florida

$1665

National Average

$1140

Cheapest Car Insurance Companies in Treasure Island

1st place: Travelers

At $1124 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 $1196 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1392 for six months, making it the third cheapest auto insurance company in Treasure Island.

Treasure Island Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Treasure Island, FL is Travelers, offering policies at just $1124 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1196.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2856 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Treasure Island drivers find the best deals.

Cheap Car Insurance Companies in Treasure Island, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1124	$189
State Farm	$1196	$201
Nationwide	$1392	$234
United Automobile Ins Group	$1503	$251
Progressive	$1569	$264
UAIC	$1569	$262
MetLife	$1653	$282
Farmers	$2627	$438
Mercury	$2836	$482
Allstate	$2856	$481

Key Takeaways

Way's key takeaways about car insurance in Treasure Island

The auto insurance costs in Treasure Island fall around $1124 for six months.
The cheapest auto insurance company in Treasure Island is Patrons Insurance.
Teen drivers pay the highest rate in Treasure Island at $1519 per month.

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Cheapest Minimum Liability Car Insurance in Treasure Island

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 Treasure Island are given below.

Patrons Insurance provides the cheapest minimum car insurance coverage in Treasure Island. Their Average 6 Month Premium is $138. Allstate is the most expensive at $987 for the same period.

Cheapest Liability Coverage in Treasure Island, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$138	$23
Travelers	$418	$70
State Farm	$444	$75
Mercury	$471	$79
Nationwide	$523	$89
Farmers	$725	$121
AIG	$738	$125
Progressive	$771	$130
United Automobile Ins Group	$791	$134
UAIC	$856	$143
Allstate	$987	$166

Cheapest Full Coverage Car Insurance in Treasure Island

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 Treasure Island is Travelers at $189 per month and $1124 for six months.

Cheapest Full Coverage Car Insurance Quotes in Treasure Island, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1124	$189
State Farm	$1196	$201
Nationwide	$1392	$234
United Automobile Ins Group	$1503	$251
Progressive	$1569	$264
UAIC	$1569	$262
MetLife	$1653	$282
Farmers	$2627	$438
Mercury	$2836	$482
Allstate	$2856	$481

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Average Car Insurance in Treasure Island 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 Treasure Island, FL increasing?

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

Car Insurance Premiums by Age in Treasure Island

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	$1427
40s	Travelers	$1077
50s	Travelers	$1004
60s	Travelers	$990

Cheapest Car Insurance Rates for Teen Drivers in Treasure Island,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Treasure Island at $99 per month. At $8932 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$595	$99
AIG	$804	$136
Travelers	$1823	$307
State Farm	$2398	$404
UAIC	$3567	$595
United Automobile Ins Group	$3705	$630
Allstate	$5619	$946
Mercury	$6965	$1173
Progressive	$7443	$1253
Farmers	$8932	$1519

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 Treasure Island.

As young drivers face the highest rates in Treasure Island, Travelers offers the cheapest auto insurance rates at $1427 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 Treasure Island, Nationwide is the cheapest car insurance provider. At $712 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 Treasure Island is Allstate, offering rates of around $5711 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$712	$121
Mercury	$778	$130
Direct General Insurance	$811	$138
Travelers	$1542	$260
UAIC	$1569	$266
Progressive	$3032	$505
Farmers	$3633	$618
State Farm	$5443	$908
Allstate	$5711	$971

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Car Insurance Rates with An Accident in Treasure Island

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

Cheapest Car Insurance Companies after an At-Fault Accident in Treasure Island

The cheapest car insurance companies after an at-fault accident in Treasure Island include Nationwide and AIG, offering $751 and $960, respectively. National General is an expensive provider with an average six-month premium of $1163.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$751	$125
AIG	$960	$163
Travelers	$1085	$183
State Farm	$1118	$188
United Automobile Ins Group	$1954	$326
Mercury	$2019	$340
UAIC	$2045	$341
Progressive	$2679	$451
Farmers	$3665	$611
Allstate	$4959	$835
National General	$1163	$198

Treasure Island Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Treasure Island FL. For example, the car insurance in Treasure Island after a DUI increases to $1032 for a six month policy. While the rate increases by $314 for a six-month policy in the case of a speeding ticket.

Treasure Island auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2006	$334
One Med/PIP claim	$2006	$341
Not-at-fault accident	$2169	$362
Two Med/PIP claims	$2229	$378
One comp claim	$2261	$377
Child safety restraint	$2267	$385
Failure to wear a seat belt	$2267	$378
Driving without lights	$2274	$386
Failure to show documents	$2274	$380
Speeding 6 - 10 MPH over limit	$2320	$395
Improper passing	$2327	$387
Passing school bus	$2327	$396
Wrong way/wrong lane	$2327	$387
Failure to stop at a red light	$2333	$397
Failure to yield	$2333	$388
Illegal turn	$2333	$397
Cell phone violation	$2340	$389
Driving with expired registration	$2340	$398
Following too closely	$2340	$389
Texting while driving	$2345	$399
Two comp claims	$2398	$399
Driving too slowly	$2411	$410
Speeding in school zone	$2411	$402
Speeding 11 - 15 MPH over limit	$2418	$411
In 65 MPH zone	$2503	$417
Speeding 16 - 20 MPH over limit	$2503	$426
Speeding 21 - 25 MPH over limit	$2516	$419
Open container	$2542	$432
Operating a vehicle without permission	$2542	$424
At-fault accident - less than $1000	$2758	$469
At-fault accident - $1000-$2000	$2803	$468
At-fault accident - greater than $2000	$2803	$476
Racing	$3032	$505
DUI	$3038	$517
Refusal to submit to a chemical test	$3038	$506
Driving with a suspended license	$3091	$526
Reckless driving	$3156	$526
Leaving scene of an accident/hit and run	$3189	$542

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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 Treasure Island 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 Treasure Island.

The cheapest car insurance premiums in Treasure Island are offered by AIG at $706 for a six-month policy. However, it can be as expensive as $876 with companies like National General.

Treasure Island car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$706	$118
Travelers	$1124	$189
State Farm	$1365	$230
Progressive	$1378	$232
Allstate	$2509	$422
UAIC	$2764	$470
Farmers	$2987	$497
National General	$876	$146

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 Treasure Island are offered by Nationwide at $614. However, it can be as expensive as $3189 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Treasure Island after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$614	$105
State Farm	$791	$133
Travelers	$947	$160
UAIC	$1569	$262
Allstate	$1797	$303
Progressive	$2594	$432
Farmers	$3189	$542

Car Insurance Price Trends in Treasure Island, Florida

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

The average cost of full coverage in the Treasure Island remained steady at $304 in both January and December, indicating no change over the two month period.

The average cost of liability insurance in the Treasure Island remained steady at $92 in both January and December, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Treasure Island?

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

What is the cheapest car insurance in Treasure Island?

The cheapest car insurance in Treasure Island is $189 per month for full coverage.

How much is car insurance in Treasure Island for teenagers?

Car insurance for teenagers costs $595 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 Treasure Island?

The average cost of car insurance is $1665 for a six-month policy. It will cost around $308 per month to insure your car in Treasure Island.

Is car insurance expensive in Treasure Island?

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

Cheapest Car Insurance Quotes in Treasure Island

Why you can trust Way?

How Much Is Car Insurance in Treasure Island

Avg. Car Insurance in Treasure Island

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Treasure Island

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Treasure Island Car Insurance Rates by Company

Cheap Car Insurance Companies in Treasure Island, FL

Way's key takeaways about car insurance in Treasure Island

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Treasure Island

Cheapest Liability Coverage in Treasure Island, FL

Cheapest Full Coverage Car Insurance in Treasure Island

Cheapest Full Coverage Car Insurance Quotes in Treasure Island, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Treasure Island by Rating Factor

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

Car Insurance Premiums by Age in Treasure Island

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Treasure Island,FL

If you are in your twenties Travelers is the best choice for car insurance in Treasure Island.

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 Treasure Island

Cheapest Car Insurance Companies after an At-Fault Accident in Treasure Island

Treasure Island Car Insurance Rates by Violation

Treasure Island auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Treasure Island after a DUI

Treasure Island car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Treasure Island after Speeding ticket

Car Insurance Price Trends in Treasure Island, Florida

Average Car Insurance Cost in Treasure Island by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Treasure Island, FL

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

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Data Sources