Cheapest Car Insurance Quotes in Vernon

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Vernon Car Insurance

^$ 16

/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 Vernon

The car insurance rate in Vernon is $1249 for a six-month policy, which is $352 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $797, making it a popular choice for budget-conscious drivers. Rates in Vernon 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 Vernon

$1249

Avg. Car Insurance in Florida

$1601

National Average

$1140

Cheapest Car Insurance Companies in Vernon

1st place: Travelers

At $797 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 $848 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $987 for six months, making it the third cheapest auto insurance company in Vernon.

Vernon Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Vernon, FL is Travelers, offering policies at just $797 for a six-month term. This is followed by State Farm, which has an average six-month premium of $848.

At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $746 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Vernon drivers find the best deals.

Cheap Car Insurance Companies in Vernon, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$797	$134
State Farm	$848	$143
Nationwide	$987	$166
United Automobile Ins Group	$1065	$178
Progressive	$1112	$187
UAIC	$1112	$186
MetLife	$1172	$200
Farmers	$1863	$310
Mercury	$2011	$342
Allstate	$2025	$341
Metropolitan Group	$746	$124

Key Takeaways

Way's key takeaways about car insurance in Vernon

The auto insurance costs in Vernon fall around $797 for six months.
The cheapest auto insurance company in Vernon is Patrons Insurance.
Teen drivers pay the highest rate in Vernon at $1077 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 Vernon

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 Vernon are given below.

Patrons Insurance provides the cheapest minimum car insurance coverage in Vernon. Their Average 6 Month Premium is $98. Metropolitan Group is the most expensive at $296 for the same period.

Cheapest Liability Coverage in Vernon, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$98	$16
Travelers	$296	$50
State Farm	$315	$53
Mercury	$334	$56
Nationwide	$371	$63
Farmers	$514	$86
AIG	$523	$89
Progressive	$547	$92
United Automobile Ins Group	$561	$95
UAIC	$607	$101
Allstate	$700	$118
Metropolitan Group	$296	$49

Cheapest Full Coverage Car Insurance in Vernon

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 Vernon is Travelers at $134 per month and $797 for six months.

Cheapest Full Coverage Car Insurance Quotes in Vernon, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$797	$134
State Farm	$848	$143
Nationwide	$987	$166
United Automobile Ins Group	$1065	$178
Progressive	$1112	$187
UAIC	$1112	$186
MetLife	$1172	$200
Farmers	$1863	$310
Mercury	$2011	$342
Allstate	$2025	$341
Metropolitan Group	$746	$124

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Average Car Insurance in Vernon 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 Vernon, FL increasing?

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

Car Insurance Premiums by Age in Vernon

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	$1012
40s	Travelers	$764
50s	Travelers	$712
60s	Travelers	$702

Cheapest Car Insurance Rates for Teen Drivers in Vernon,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Vernon at $70 per month. At $6334 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$422	$70
AIG	$570	$97
Travelers	$1292	$218
State Farm	$1700	$286
UAIC	$2530	$422
United Automobile Ins Group	$2627	$447
Allstate	$3984	$671
Mercury	$4939	$831
Progressive	$5277	$888
Farmers	$6334	$1077

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 Vernon.

As young drivers face the highest rates in Vernon, Travelers offers the cheapest auto insurance rates at $1012 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 Vernon, Nationwide is the cheapest car insurance provider. At $505 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 Vernon is Allstate, offering rates of around $4050 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$505	$86
Mercury	$551	$92
Direct General Insurance	$575	$98
Travelers	$1094	$184
UAIC	$1112	$189
Progressive	$2150	$358
Farmers	$2576	$438
State Farm	$3859	$644
Allstate	$4050	$689

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Vernon

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

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

The cheapest car insurance companies after an at-fault accident in Vernon include Nationwide and AIG, offering $533 and $681, respectively. National General is an expensive provider with an average six-month premium of $824.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$533	$89
AIG	$681	$115
Travelers	$769	$129
State Farm	$792	$133
United Automobile Ins Group	$1385	$231
Mercury	$1431	$241
UAIC	$1450	$242
Progressive	$1899	$320
Farmers	$2599	$433
Allstate	$3516	$592
National General	$824	$140

Vernon Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Vernon FL. For example, the car insurance in Vernon after a DUI increases to $731 for a six month policy. While the rate increases by $222 for a six-month policy in the case of a speeding ticket.

Vernon auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1423	$237
One Med/PIP claim	$1423	$242
Not-at-fault accident	$1538	$257
Two Med/PIP claims	$1580	$268
One comp claim	$1603	$268
Child safety restraint	$1608	$273
Failure to wear a seat belt	$1608	$268
Driving without lights	$1612	$274
Failure to show documents	$1612	$269
Speeding 6 - 10 MPH over limit	$1645	$280
Improper passing	$1650	$275
Passing school bus	$1650	$281
Wrong way/wrong lane	$1650	$275
Failure to stop at a red light	$1654	$282
Failure to yield	$1654	$275
Illegal turn	$1654	$282
Cell phone violation	$1659	$276
Driving with expired registration	$1659	$282
Following too closely	$1659	$276
Texting while driving	$1663	$283
Two comp claims	$1700	$283
Driving too slowly	$1710	$291
Speeding in school zone	$1710	$285
Speeding 11 - 15 MPH over limit	$1714	$292
In 65 MPH zone	$1775	$296
Speeding 16 - 20 MPH over limit	$1775	$302
Speeding 21 - 25 MPH over limit	$1784	$297
Open container	$1803	$307
Operating a vehicle without permission	$1803	$300
At-fault accident - less than $1000	$1955	$332
At-fault accident - $1000-$2000	$1987	$332
At-fault accident - greater than $2000	$1987	$338
Racing	$2150	$358
DUI	$2154	$367
Refusal to submit to a chemical test	$2154	$359
Driving with a suspended license	$2192	$373
Reckless driving	$2238	$373
Leaving scene of an accident/hit and run	$2261	$385

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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 Vernon 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 Vernon.

The cheapest car insurance premiums in Vernon are offered by AIG at $501 for a six-month policy. However, it can be as expensive as $621 with companies like National General.

Vernon car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$501	$83
Travelers	$797	$134
State Farm	$968	$163
Progressive	$977	$165
Allstate	$1779	$300
UAIC	$1960	$333
Farmers	$2118	$353
National General	$621	$104

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 Vernon are offered by Nationwide at $435. However, it can be as expensive as $2261 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Vernon after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$435	$74
State Farm	$561	$94
Travelers	$672	$113
UAIC	$1112	$186
Allstate	$1275	$215
Progressive	$1839	$307
Farmers	$2261	$385

Car Insurance Price Trends in Vernon, Florida

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

The average cost of full coverage in the Vernon remained steady at $215 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Vernon 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 Vernon?

The car insurance in Vernon is $16 per month, which is lower than the national average.

What is the cheapest car insurance in Vernon?

The cheapest car insurance in Vernon is $134 per month for full coverage.

How much is car insurance in Vernon for teenagers?

Car insurance for teenagers costs $422 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 Vernon?

The average cost of car insurance is $1601 for a six-month policy. It will cost around $210 per month to insure your car in Vernon.

Is car insurance expensive in Vernon?

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

Cheapest Car Insurance Quotes in Vernon

Why you can trust Way?

How Much Is Car Insurance in Vernon

Avg. Car Insurance in Vernon

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Vernon

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Vernon Car Insurance Rates by Company

Cheap Car Insurance Companies in Vernon, FL

Way's key takeaways about car insurance in Vernon

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Vernon

Cheapest Liability Coverage in Vernon, FL

Cheapest Full Coverage Car Insurance in Vernon

Cheapest Full Coverage Car Insurance Quotes in Vernon, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Vernon by Rating Factor

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

Car Insurance Premiums by Age in Vernon

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Vernon,FL

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

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 Vernon

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

Vernon Car Insurance Rates by Violation

Vernon auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Vernon after a DUI

Vernon car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Vernon after Speeding ticket

Car Insurance Price Trends in Vernon, Florida

Average Car Insurance Cost in Vernon by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Vernon, FL

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

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Data Sources