Cheapest Car Insurance Quotes in Warm Mineral Springs

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Warm Mineral Springs Car Insurance

^$ 49

/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 Warm Mineral Springs

The car insurance rate in Warm Mineral Springs is $1316 for a six-month policy, which is $309 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $784, making it a popular choice for budget-conscious drivers. Rates in Warm Mineral Springs 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 Warm Mineral Springs

$1316

Avg. Car Insurance in Florida

$1625

National Average

$1278

Cheapest Car Insurance Companies in Warm Mineral Springs

1st place: Travelers

At $784 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 $876 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $957 for six months, making it the third cheapest auto insurance company in Warm Mineral Springs.

Warm Mineral Springs Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Warm Mineral Springs, FL is Travelers, offering policies at just $784 for a six-month term. This is followed by State Farm, which has an average six-month premium of $876.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1934 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Warm Mineral Springs drivers find the best deals.

Cheap Car Insurance Companies in Warm Mineral Springs, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$784	$132
State Farm	$876	$147
Nationwide	$957	$161
Progressive	$1015	$171
United Automobile Ins Group	$1106	$185
UAIC	$1213	$207
Allstate	$1977	$330
Mercury	$2088	$355
MetLife	$1217	$207
Farmers	$1934	$322

Key Takeaways

Way's key takeaways about car insurance in Warm Mineral Springs

The auto insurance costs in Warm Mineral Springs fall around $784 for six months.
The cheapest auto insurance company in Warm Mineral Springs is Travelers.
Teen drivers pay the highest rate in Warm Mineral Springs at $1119 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 Warm Mineral Springs

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 Warm Mineral Springs are given below.

Travelers provides the cheapest minimum car insurance coverage in Warm Mineral Springs. Their Average 6 Month Premium is $288. Farmers is the most expensive at $534 for the same period.

Cheapest Liability Coverage in Warm Mineral Springs, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$288	$49
State Farm	$313	$53
Mercury	$347	$58
Nationwide	$385	$66
MetLife	$404	$67
AIG	$452	$77
Progressive	$568	$96
United Automobile Ins Group	$582	$99
UAIC	$630	$105
Allstate	$722	$122
Patrons Insurance	$101	$17
Farmers	$534	$89

Cheapest Full Coverage Car Insurance in Warm Mineral Springs

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 Warm Mineral Springs is Travelers at $132 per month and $784 for six months.

Cheapest Full Coverage Car Insurance Quotes in Warm Mineral Springs, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$784	$132
State Farm	$876	$147
Nationwide	$957	$161
Progressive	$1015	$171
United Automobile Ins Group	$1106	$185
UAIC	$1213	$207
Allstate	$1977	$330
Mercury	$2088	$355
MetLife	$1217	$207
Farmers	$1934	$322

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Average Car Insurance in Warm Mineral Springs 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 Warm Mineral Springs, FL increasing?

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

Car Insurance Premiums by Age in Warm Mineral Springs

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 Warm Mineral Springs,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Warm Mineral Springs at $73 per month. At $6577 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$438	$73
AIG	$592	$100
Travelers	$1290	$217
State Farm	$1550	$261
UAIC	$2064	$347
United Automobile Ins Group	$2728	$464
Allstate	$3368	$567
Progressive	$4335	$730
Mercury	$5129	$863
Farmers	$6577	$1119

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 Warm Mineral Springs, Nationwide is the cheapest car insurance provider. At $524 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 Warm Mineral Springs is Farmers, offering rates of around $2675 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$524	$89
Mercury	$573	$96
Direct General Insurance	$597	$101
UAIC	$1160	$194
Travelers	$1270	$214
Progressive	$2232	$372
Allstate	$3916	$666
State Farm	$4008	$668
Farmers	$2675	$455

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Save up to $971/yr on car insurance rates in Warm Mineral Springs.

Car Insurance Rates with An Accident in Warm Mineral Springs

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 Warm Mineral Springs, FL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Warm Mineral Springs

The cheapest car insurance companies after an at-fault accident in Warm Mineral Springs include Nationwide and AIG, offering $553 and $707, respectively. Farmers is an expensive provider with an average six-month premium of $2699.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$553	$92
AIG	$707	$120
State Farm	$823	$139
Travelers	$838	$141
United Automobile Ins Group	$1439	$240
Mercury	$1486	$250
UAIC	$1506	$251
Progressive	$1972	$332
Allstate	$3512	$591
Farmers	$2699	$450

Warm Mineral Springs Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Warm Mineral Springs FL. For example, the car insurance in Warm Mineral Springs after a DUI increases to $760 for a six month policy. While the rate increases by $231 for a six-month policy in the case of a speeding ticket.

Warm Mineral Springs auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1477	$246
One Med/PIP claim	$1477	$251
Not-at-fault accident	$1597	$266
Two Med/PIP claims	$1641	$279
One comp claim	$1665	$278
Child safety restraint	$1669	$284
Failure to wear a seat belt	$1669	$279
Driving without lights	$1674	$284
Failure to show documents	$1674	$279
Speeding 6 - 10 MPH over limit	$1708	$291
Improper passing	$1713	$285
Passing school bus	$1713	$292
Wrong way/wrong lane	$1713	$285
Failure to stop at a red light	$1718	$292
Failure to yield	$1718	$286
Illegal turn	$1718	$292
Cell phone violation	$1723	$287
Driving with expired registration	$1723	$293
Following too closely	$1723	$287
Texting while driving	$1727	$294
Two comp claims	$1766	$294
Driving too slowly	$1776	$302
Speeding in school zone	$1776	$296
Speeding 11 - 15 MPH over limit	$1780	$303
In 65 MPH zone	$1843	$307
Speeding 16 - 20 MPH over limit	$1843	$313
Speeding 21 - 25 MPH over limit	$1852	$309
Open container	$1872	$318
Operating a vehicle without permission	$1872	$312
At-fault accident - less than $1000	$2031	$345
At-fault accident - $1000-$2000	$2064	$344
At-fault accident - greater than $2000	$2064	$351
Racing	$2232	$372
DUI	$2237	$381
Refusal to submit to a chemical test	$2237	$373
Driving with a suspended license	$2276	$387
Reckless driving	$2324	$387
Leaving scene of an accident/hit and run	$2348	$399

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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 Warm Mineral Springs 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 Warm Mineral Springs.

The cheapest car insurance premiums in Warm Mineral Springs are offered by AIG at $520 for a six-month policy. However, it can be as expensive as $2199 with companies like Farmers.

Warm Mineral Springs car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$520	$88
Travelers	$851	$143
Progressive	$977	$164
State Farm	$1174	$198
Allstate	$1588	$267
UAIC	$2040	$340
Farmers	$2199	$366

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 Warm Mineral Springs are offered by Nationwide at $452. However, it can be as expensive as $2348 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Warm Mineral Springs after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$452	$75
State Farm	$573	$96
Travelers	$650	$109
Allstate	$1703	$287
UAIC	$1862	$310
Progressive	$2281	$388
Farmers	$2348	$399

Car Insurance Price Trends in Warm Mineral Springs, Florida

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

The average cost of full coverage in the Warm Mineral Springs dipped by $207 in January compared to $224 of December. In other words, there has been an decrease by $17 when you compare January and December.

The average cost of liability insurance in the Warm Mineral Springs dipped to $67 in January, compared to $68 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 Warm Mineral Springs?

The car insurance in Warm Mineral Springs is $49 per month, which is lower than the national average.

What is the cheapest car insurance in Warm Mineral Springs?

The cheapest car insurance in Warm Mineral Springs is $132 per month for full coverage.

How much is car insurance in Warm Mineral Springs for teenagers?

Car insurance for teenagers costs $438 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 Warm Mineral Springs?

The average cost of car insurance is $1625 for a six-month policy. It will cost around $221 per month to insure your car in Warm Mineral Springs.

Is car insurance expensive in Warm Mineral Springs?

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

Cheapest Car Insurance Quotes in Warm Mineral Springs

Why you can trust Way?

How Much Is Car Insurance in Warm Mineral Springs

Avg. Car Insurance in Warm Mineral Springs

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Warm Mineral Springs

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Warm Mineral Springs Car Insurance Rates by Company

Cheap Car Insurance Companies in Warm Mineral Springs, FL

Way's key takeaways about car insurance in Warm Mineral Springs

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Warm Mineral Springs

Cheapest Liability Coverage in Warm Mineral Springs, FL

Cheapest Full Coverage Car Insurance in Warm Mineral Springs

Cheapest Full Coverage Car Insurance Quotes in Warm Mineral Springs, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Warm Mineral Springs by Rating Factor

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

Car Insurance Premiums by Age in Warm Mineral Springs

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Warm Mineral Springs,FL

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

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 Warm Mineral Springs

Cheapest Car Insurance Companies after an At-Fault Accident in Warm Mineral Springs

Warm Mineral Springs Car Insurance Rates by Violation

Warm Mineral Springs auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Warm Mineral Springs after a DUI

Warm Mineral Springs car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Warm Mineral Springs after Speeding ticket

Car Insurance Price Trends in Warm Mineral Springs, Florida

Average Car Insurance Cost in Warm Mineral Springs by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Warm Mineral Springs, FL

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

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