Cheapest Car Insurance Quotes in Valparaiso

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Valparaiso Car Insurance

^$ 17

/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 $1265 for a six-month policy, which is $336 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $807, 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

$1265

Avg. Car Insurance in Florida

$1601

National Average

$1140

Cheapest Car Insurance Companies in Valparaiso

1st place: Travelers

At $807 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 $859 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $999 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 $807 for a six-month term. This is followed by State Farm, which has an average six-month premium of $859.

At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $755 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	$807	$136
State Farm	$859	$145
Nationwide	$999	$168
United Automobile Ins Group	$1079	$180
Progressive	$1127	$190
UAIC	$1127	$188
MetLife	$1187	$202
Farmers	$1887	$314
Mercury	$2037	$346
Allstate	$2051	$345
Metropolitan Group	$755	$126

Key Takeaways

Way's key takeaways about car insurance in Valparaiso

The auto insurance costs in Valparaiso fall around $807 for six months.
The cheapest auto insurance company in Valparaiso is Patrons Insurance.
Teen drivers pay the highest rate in Valparaiso at $1091 per month.

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

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.

Patrons Insurance provides the cheapest minimum car insurance coverage in Valparaiso. Their Average 6 Month Premium is $99. Metropolitan Group is the most expensive at $300 for the same period.

Cheapest Liability Coverage in Valparaiso, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$99	$17
Travelers	$300	$51
State Farm	$319	$54
Mercury	$338	$57
Nationwide	$375	$64
Farmers	$521	$87
AIG	$530	$90
Progressive	$554	$93
United Automobile Ins Group	$568	$96
UAIC	$615	$103
Allstate	$709	$119
Metropolitan Group	$300	$50

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 $136 per month and $807 for six months.

Cheapest Full Coverage Car Insurance Quotes in Valparaiso, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$807	$136
State Farm	$859	$145
Nationwide	$999	$168
United Automobile Ins Group	$1079	$180
Progressive	$1127	$190
UAIC	$1127	$188
MetLife	$1187	$202
Farmers	$1887	$314
Mercury	$2037	$346
Allstate	$2051	$345
Metropolitan Group	$755	$126

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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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Travelers	$1025
40s	Travelers	$773
50s	Travelers	$721
60s	Travelers	$711

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 $71 per month. At $6415 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$427	$71
AIG	$577	$98
Travelers	$1309	$220
State Farm	$1722	$290
UAIC	$2562	$427
United Automobile Ins Group	$2661	$453
Allstate	$4035	$679
Mercury	$5002	$842
Progressive	$5345	$900
Farmers	$6415	$1091

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 Valparaiso.

As young drivers face the highest rates in Valparaiso, Travelers offers the cheapest auto insurance rates at $1025 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 Valparaiso, Nationwide is the cheapest car insurance provider. At $511 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 Allstate, offering rates of around $4102 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$511	$87
Mercury	$559	$93
Direct General Insurance	$582	$99
Travelers	$1108	$186
UAIC	$1127	$191
Progressive	$2177	$363
Farmers	$2609	$444
State Farm	$3909	$652
Allstate	$4102	$698

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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 $540 and $690, respectively. National General is an expensive provider with an average six-month premium of $835.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$540	$90
AIG	$690	$117
Travelers	$779	$131
State Farm	$803	$135
United Automobile Ins Group	$1403	$234
Mercury	$1450	$244
UAIC	$1469	$245
Progressive	$1924	$324
Farmers	$2632	$438
Allstate	$3561	$600
National General	$835	$142

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 $741 for a six month policy. While the rate increases by $225 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	$1441	$240
One Med/PIP claim	$1441	$245
Not-at-fault accident	$1558	$260
Two Med/PIP claims	$1601	$272
One comp claim	$1623	$271
Child safety restraint	$1628	$277
Failure to wear a seat belt	$1628	$272
Driving without lights	$1633	$277
Failure to show documents	$1633	$273
Speeding 6 - 10 MPH over limit	$1666	$284
Improper passing	$1671	$278
Passing school bus	$1671	$284
Wrong way/wrong lane	$1671	$278
Failure to stop at a red light	$1676	$285
Failure to yield	$1676	$279
Illegal turn	$1676	$285
Cell phone violation	$1680	$280
Driving with expired registration	$1680	$286
Following too closely	$1680	$280
Texting while driving	$1684	$287
Two comp claims	$1722	$287
Driving too slowly	$1732	$295
Speeding in school zone	$1732	$288
Speeding 11 - 15 MPH over limit	$1736	$295
In 65 MPH zone	$1797	$299
Speeding 16 - 20 MPH over limit	$1797	$306
Speeding 21 - 25 MPH over limit	$1807	$301
Open container	$1826	$310
Operating a vehicle without permission	$1826	$304
At-fault accident - less than $1000	$1981	$337
At-fault accident - $1000-$2000	$2013	$336
At-fault accident - greater than $2000	$2013	$342
Racing	$2177	$363
DUI	$2182	$371
Refusal to submit to a chemical test	$2182	$363
Driving with a suspended license	$2220	$378
Reckless driving	$2267	$378
Leaving scene of an accident/hit and run	$2290	$389

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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 $507 for a six-month policy. However, it can be as expensive as $629 with companies like National General.

Valparaiso car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$507	$85
Travelers	$807	$136
State Farm	$980	$165
Progressive	$990	$167
Allstate	$1802	$303
UAIC	$1985	$337
Farmers	$2145	$357
National General	$629	$105

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 $441. However, it can be as expensive as $2290 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	$441	$75
State Farm	$568	$96
Travelers	$680	$115
UAIC	$1127	$188
Allstate	$1291	$217
Progressive	$1863	$310
Farmers	$2290	$389

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 remained steady at $218 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Valparaiso remained steady at $66 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Valparaiso?

The car insurance in Valparaiso is $17 per month, which is lower than the national average.

What is the cheapest car insurance in Valparaiso?

The cheapest car insurance in Valparaiso is $136 per month for full coverage.

How much is car insurance in Valparaiso for teenagers?

Car insurance for teenagers costs $427 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 $1601 for a six-month policy. It will cost around $213 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 Travelers 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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