Cheapest Car Insurance Quotes in Valrico

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Valrico Car Insurance

^$ 26

/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 Valrico

The car insurance rate in Valrico is $1985 for a six-month policy, which is $384 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1267, making it a popular choice for budget-conscious drivers. Rates in Valrico 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 Valrico

$1985

Avg. Car Insurance in Florida

$1601

National Average

$1140

Cheapest Car Insurance Companies in Valrico

1st place: Travelers

At $1267 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 $1348 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1569 for six months, making it the third cheapest auto insurance company in Valrico.

Valrico Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Valrico, FL is Travelers, offering policies at just $1267 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1348.

At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $1185 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Valrico drivers find the best deals.

Cheap Car Insurance Companies in Valrico, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1267	$213
State Farm	$1348	$227
Nationwide	$1569	$264
United Automobile Ins Group	$1694	$283
Progressive	$1768	$298
UAIC	$1768	$295
MetLife	$1864	$317
Farmers	$2961	$494
Mercury	$3197	$543
Allstate	$3219	$542
Metropolitan Group	$1185	$197

Key Takeaways

Way's key takeaways about car insurance in Valrico

The auto insurance costs in Valrico fall around $1267 for six months.
The cheapest auto insurance company in Valrico is Patrons Insurance.
Teen drivers pay the highest rate in Valrico at $1712 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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

Cheapest Minimum Liability Car Insurance in Valrico

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 Valrico are given below.

Patrons Insurance provides the cheapest minimum car insurance coverage in Valrico. Their Average 6 Month Premium is $155. Metropolitan Group is the most expensive at $471 for the same period.

Cheapest Liability Coverage in Valrico, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$155	$26
Travelers	$471	$79
State Farm	$501	$84
Mercury	$531	$89
Nationwide	$589	$100
Farmers	$817	$136
AIG	$832	$141
Progressive	$869	$146
United Automobile Ins Group	$892	$151
UAIC	$965	$161
Allstate	$1112	$187
Metropolitan Group	$471	$78

Cheapest Full Coverage Car Insurance in Valrico

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 Valrico is Travelers at $213 per month and $1267 for six months.

Cheapest Full Coverage Car Insurance Quotes in Valrico, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1267	$213
State Farm	$1348	$227
Nationwide	$1569	$264
United Automobile Ins Group	$1694	$283
Progressive	$1768	$298
UAIC	$1768	$295
MetLife	$1864	$317
Farmers	$2961	$494
Mercury	$3197	$543
Allstate	$3219	$542
Metropolitan Group	$1185	$197

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Average Car Insurance in Valrico 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 Valrico, FL increasing?

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

Car Insurance Premiums by Age in Valrico

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	$1608
40s	Travelers	$1214
50s	Travelers	$1132
60s	Travelers	$1116

Cheapest Car Insurance Rates for Teen Drivers in Valrico,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Valrico at $112 per month. At $10069 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$671	$112
AIG	$906	$154
Travelers	$2055	$346
State Farm	$2703	$455
UAIC	$4021	$671
United Automobile Ins Group	$4176	$711
Allstate	$6334	$1066
Mercury	$7852	$1322
Progressive	$8390	$1412
Farmers	$10069	$1712

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 Valrico.

As young drivers face the highest rates in Valrico, Travelers offers the cheapest auto insurance rates at $1608 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 Valrico, Nationwide is the cheapest car insurance provider. At $802 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 Valrico is Allstate, offering rates of around $6438 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$802	$136
Mercury	$877	$146
Direct General Insurance	$914	$155
Travelers	$1738	$293
UAIC	$1768	$300
Progressive	$3417	$569
Farmers	$4096	$697
State Farm	$6136	$1023
Allstate	$6438	$1095

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Car Insurance Rates with An Accident in Valrico

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

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

The cheapest car insurance companies after an at-fault accident in Valrico include Nationwide and AIG, offering $847 and $1083, respectively. National General is an expensive provider with an average six-month premium of $1311.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$847	$141
AIG	$1083	$184
Travelers	$1223	$206
State Farm	$1260	$212
United Automobile Ins Group	$2202	$367
Mercury	$2275	$383
UAIC	$2305	$384
Progressive	$3019	$508
Farmers	$4132	$688
Allstate	$5590	$941
National General	$1311	$223

Valrico Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Valrico FL. For example, the car insurance in Valrico after a DUI increases to $1163 for a six month policy. While the rate increases by $353 for a six-month policy in the case of a speeding ticket.

Valrico auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2262	$377
One Med/PIP claim	$2262	$384
Not-at-fault accident	$2445	$408
Two Med/PIP claims	$2512	$427
One comp claim	$2548	$425
Child safety restraint	$2556	$434
Failure to wear a seat belt	$2556	$427
Driving without lights	$2563	$435
Failure to show documents	$2563	$428
Speeding 6 - 10 MPH over limit	$2615	$445
Improper passing	$2623	$436
Passing school bus	$2623	$446
Wrong way/wrong lane	$2623	$436
Failure to stop at a red light	$2630	$448
Failure to yield	$2630	$438
Illegal turn	$2630	$448
Cell phone violation	$2637	$439
Driving with expired registration	$2637	$449
Following too closely	$2637	$439
Texting while driving	$2644	$450
Two comp claims	$2703	$450
Driving too slowly	$2718	$463
Speeding in school zone	$2718	$453
Speeding 11 - 15 MPH over limit	$2726	$464
In 65 MPH zone	$2821	$470
Speeding 16 - 20 MPH over limit	$2821	$480
Speeding 21 - 25 MPH over limit	$2836	$472
Open container	$2866	$487
Operating a vehicle without permission	$2866	$477
At-fault accident - less than $1000	$3109	$528
At-fault accident - $1000-$2000	$3160	$527
At-fault accident - greater than $2000	$3160	$537
Racing	$3417	$569
DUI	$3425	$583
Refusal to submit to a chemical test	$3425	$570
Driving with a suspended license	$3484	$593
Reckless driving	$3558	$593
Leaving scene of an accident/hit and run	$3595	$611

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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 Valrico 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 Valrico.

The cheapest car insurance premiums in Valrico are offered by AIG at $796 for a six-month policy. However, it can be as expensive as $987 with companies like National General.

Valrico car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$796	$133
Travelers	$1267	$213
State Farm	$1539	$259
Progressive	$1554	$262
Allstate	$2828	$476
UAIC	$3116	$529
Farmers	$3367	$560
National General	$987	$165

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 Valrico are offered by Nationwide at $692. However, it can be as expensive as $3595 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Valrico after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$692	$118
State Farm	$892	$150
Travelers	$1068	$180
UAIC	$1768	$295
Allstate	$2026	$341
Progressive	$2924	$487
Farmers	$3595	$611

Car Insurance Price Trends in Valrico, Florida

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

The average cost of full coverage in the Valrico remained steady at $342 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Valrico remained steady at $104 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 Valrico?

The car insurance in Valrico is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Valrico?

The cheapest car insurance in Valrico is $213 per month for full coverage.

How much is car insurance in Valrico for teenagers?

Car insurance for teenagers costs $671 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 Valrico?

The average cost of car insurance is $1601 for a six-month policy. It will cost around $334 per month to insure your car in Valrico.

Is car insurance expensive in Valrico?

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

Cheapest Car Insurance Quotes in Valrico

Why you can trust Way?

How Much Is Car Insurance in Valrico

Avg. Car Insurance in Valrico

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Valrico

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Valrico Car Insurance Rates by Company

Cheap Car Insurance Companies in Valrico, FL

Way's key takeaways about car insurance in Valrico

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Valrico

Cheapest Liability Coverage in Valrico, FL

Cheapest Full Coverage Car Insurance in Valrico

Cheapest Full Coverage Car Insurance Quotes in Valrico, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Valrico by Rating Factor

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

Car Insurance Premiums by Age in Valrico

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Valrico,FL

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

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 Valrico

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

Valrico Car Insurance Rates by Violation

Valrico auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Valrico after a DUI

Valrico car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Valrico after Speeding ticket

Car Insurance Price Trends in Valrico, Florida

Average Car Insurance Cost in Valrico by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Valrico, FL

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

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