Cheapest Car Insurance Quotes in Valparaiso

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Valparaiso Car Insurance

^$ 45

/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 Valparaiso

The car insurance rate in Valparaiso is $1219 for a six-month policy, which is $406 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $726, making it a popular choice for budget-conscious drivers. Rates in Valparaiso 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 Valparaiso

$1219

Avg. Car Insurance in Florida

$1625

National Average

$1278

Cheapest Car Insurance Companies in Valparaiso

1st place: Travelers

At $726 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 $811 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $887 for six months, making it the third cheapest auto insurance company in Valparaiso.

Valparaiso Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Valparaiso, FL is Travelers, offering policies at just $726 for a six-month term. This is followed by State Farm, which has an average six-month premium of $811.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1791 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Valparaiso drivers find the best deals.

Cheap Car Insurance Companies in Valparaiso, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$726	$122
State Farm	$811	$137
Nationwide	$887	$149
Progressive	$940	$158
United Automobile Ins Group	$1025	$171
UAIC	$1123	$191
Allstate	$1831	$305
Mercury	$1934	$329
MetLife	$1127	$192
Farmers	$1791	$299

Key Takeaways

Way's key takeaways about car insurance in Valparaiso

The auto insurance costs in Valparaiso fall around $726 for six months.
The cheapest auto insurance company in Valparaiso is Travelers.
Teen drivers pay the highest rate in Valparaiso at $1036 per month.

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Cheapest Minimum Liability Car Insurance in Valparaiso

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 Valparaiso are given below.

Travelers provides the cheapest minimum car insurance coverage in Valparaiso. Their Average 6 Month Premium is $267. Farmers is the most expensive at $494 for the same period.

Cheapest Liability Coverage in Valparaiso, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$267	$45
State Farm	$290	$49
Mercury	$321	$54
Nationwide	$356	$61
MetLife	$374	$62
AIG	$419	$71
Progressive	$526	$89
United Automobile Ins Group	$539	$92
UAIC	$584	$98
Allstate	$668	$113
Patrons Insurance	$94	$16
Farmers	$494	$83

Cheapest Full Coverage Car Insurance in Valparaiso

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 Valparaiso is Travelers at $122 per month and $726 for six months.

Cheapest Full Coverage Car Insurance Quotes in Valparaiso, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$726	$122
State Farm	$811	$137
Nationwide	$887	$149
Progressive	$940	$158
United Automobile Ins Group	$1025	$171
UAIC	$1123	$191
Allstate	$1831	$305
Mercury	$1934	$329
MetLife	$1127	$192
Farmers	$1791	$299

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Average Car Insurance in Valparaiso 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 Valparaiso, FL increasing?

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

Car Insurance Premiums by Age in Valparaiso

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 Valparaiso,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Valparaiso at $68 per month. At $6090 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$406	$68
AIG	$548	$93
Travelers	$1194	$201
State Farm	$1435	$242
UAIC	$1911	$322
United Automobile Ins Group	$2526	$430
Allstate	$3119	$525
Progressive	$4014	$676
Mercury	$4749	$800
Farmers	$6090	$1036

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 Valparaiso, Nationwide is the cheapest car insurance provider. At $485 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 Valparaiso is Farmers, offering rates of around $2477 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$485	$83
Mercury	$530	$89
Direct General Insurance	$553	$94
UAIC	$1074	$179
Travelers	$1176	$198
Progressive	$2067	$344
Allstate	$3626	$617
State Farm	$3711	$619
Farmers	$2477	$422

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Car Insurance Rates with An Accident in Valparaiso

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

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

The cheapest car insurance companies after an at-fault accident in Valparaiso include Nationwide and AIG, offering $512 and $655, respectively. Farmers is an expensive provider with an average six-month premium of $2499.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$512	$86
AIG	$655	$111
State Farm	$762	$128
Travelers	$776	$131
United Automobile Ins Group	$1332	$222
Mercury	$1376	$232
UAIC	$1394	$233
Progressive	$1826	$308
Allstate	$3252	$548
Farmers	$2499	$416

Valparaiso Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Valparaiso FL. For example, the car insurance in Valparaiso after a DUI increases to $704 for a six month policy. While the rate increases by $214 for a six-month policy in the case of a speeding ticket.

Valparaiso auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1368	$228
One Med/PIP claim	$1368	$233
Not-at-fault accident	$1479	$247
Two Med/PIP claims	$1520	$258
One comp claim	$1541	$257
Child safety restraint	$1546	$263
Failure to wear a seat belt	$1546	$258
Driving without lights	$1550	$263
Failure to show documents	$1550	$259
Speeding 6 - 10 MPH over limit	$1582	$269
Improper passing	$1586	$264
Passing school bus	$1586	$270
Wrong way/wrong lane	$1586	$264
Failure to stop at a red light	$1591	$271
Failure to yield	$1591	$265
Illegal turn	$1591	$271
Cell phone violation	$1595	$266
Driving with expired registration	$1595	$272
Following too closely	$1595	$266
Texting while driving	$1599	$272
Two comp claims	$1635	$272
Driving too slowly	$1644	$280
Speeding in school zone	$1644	$274
Speeding 11 - 15 MPH over limit	$1649	$281
In 65 MPH zone	$1706	$284
Speeding 16 - 20 MPH over limit	$1706	$290
Speeding 21 - 25 MPH over limit	$1715	$286
Open container	$1733	$295
Operating a vehicle without permission	$1733	$289
At-fault accident - less than $1000	$1880	$320
At-fault accident - $1000-$2000	$1911	$319
At-fault accident - greater than $2000	$1911	$325
Racing	$2067	$344
DUI	$2072	$353
Refusal to submit to a chemical test	$2072	$345
Driving with a suspended license	$2108	$359
Reckless driving	$2152	$359
Leaving scene of an accident/hit and run	$2174	$370

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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 Valparaiso 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 Valparaiso.

The cheapest car insurance premiums in Valparaiso are offered by AIG at $482 for a six-month policy. However, it can be as expensive as $2036 with companies like Farmers.

Valparaiso car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$482	$82
Travelers	$788	$133
Progressive	$905	$152
State Farm	$1087	$183
Allstate	$1470	$248
UAIC	$1889	$315
Farmers	$2036	$339

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 Valparaiso are offered by Nationwide at $419. However, it can be as expensive as $2174 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Valparaiso after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$419	$70
State Farm	$530	$89
Travelers	$602	$101
Allstate	$1577	$266
UAIC	$1724	$287
Progressive	$2112	$359
Farmers	$2174	$370

Car Insurance Price Trends in Valparaiso, Florida

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

The average cost of full coverage in the Valparaiso dipped by $192 in January compared to $207 of December. In other words, there has been an decrease by $15 when you compare January and December.

The average cost of liability insurance in the Valparaiso dipped to $62 in January, compared to $63 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 Valparaiso?

The car insurance in Valparaiso is $45 per month, which is lower than the national average.

What is the cheapest car insurance in Valparaiso?

The cheapest car insurance in Valparaiso is $122 per month for full coverage.

How much is car insurance in Valparaiso for teenagers?

Car insurance for teenagers costs $406 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 Valparaiso?

The average cost of car insurance is $1625 for a six-month policy. It will cost around $205 per month to insure your car in Valparaiso.

Is car insurance expensive in Valparaiso?

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

Cheapest Car Insurance Quotes in Valparaiso

Why you can trust Way?

How Much Is Car Insurance in Valparaiso

Avg. Car Insurance in Valparaiso

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Valparaiso

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Valparaiso Car Insurance Rates by Company

Cheap Car Insurance Companies in Valparaiso, FL

Way's key takeaways about car insurance in Valparaiso

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Valparaiso

Cheapest Liability Coverage in Valparaiso, FL

Cheapest Full Coverage Car Insurance in Valparaiso

Cheapest Full Coverage Car Insurance Quotes in Valparaiso, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Valparaiso by Rating Factor

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

Car Insurance Premiums by Age in Valparaiso

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Valparaiso,FL

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

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 Valparaiso

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

Valparaiso Car Insurance Rates by Violation

Valparaiso auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Valparaiso after a DUI

Valparaiso car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Valparaiso after Speeding ticket

Car Insurance Price Trends in Valparaiso, Florida

Average Car Insurance Cost in Valparaiso by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Valparaiso, FL

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

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