Cheapest Car Insurance Quotes in Watergate

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Watergate 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 Watergate

The car insurance rate in Watergate is $1969 for a six-month policy, which is $368 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1257, making it a popular choice for budget-conscious drivers. Rates in Watergate 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 Watergate

$1969

Avg. Car Insurance in Florida

$1601

National Average

$1140

Cheapest Car Insurance Companies in Watergate

1st place: Travelers

At $1257 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 $1337 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1556 for six months, making it the third cheapest auto insurance company in Watergate.

Watergate Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Watergate, FL is Travelers, offering policies at just $1257 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1337.

At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $1176 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Watergate drivers find the best deals.

Cheap Car Insurance Companies in Watergate, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1257	$212
State Farm	$1337	$225
Nationwide	$1556	$262
United Automobile Ins Group	$1680	$280
Progressive	$1754	$295
UAIC	$1754	$293
MetLife	$1849	$315
Farmers	$2937	$490
Mercury	$3171	$539
Allstate	$3193	$538
Metropolitan Group	$1176	$196

Key Takeaways

Way's key takeaways about car insurance in Watergate

The auto insurance costs in Watergate fall around $1257 for six months.
The cheapest auto insurance company in Watergate is Patrons Insurance.
Teen drivers pay the highest rate in Watergate at $1699 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 Watergate

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 Watergate are given below.

Patrons Insurance provides the cheapest minimum car insurance coverage in Watergate. Their Average 6 Month Premium is $154. Metropolitan Group is the most expensive at $467 for the same period.

Cheapest Liability Coverage in Watergate, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$154	$26
Travelers	$467	$79
State Farm	$497	$84
Mercury	$526	$89
Nationwide	$584	$100
Farmers	$811	$135
AIG	$825	$140
Progressive	$862	$145
United Automobile Ins Group	$884	$150
UAIC	$957	$160
Allstate	$1103	$186
Metropolitan Group	$467	$77

Cheapest Full Coverage Car Insurance in Watergate

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 Watergate is Travelers at $212 per month and $1257 for six months.

Cheapest Full Coverage Car Insurance Quotes in Watergate, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1257	$212
State Farm	$1337	$225
Nationwide	$1556	$262
United Automobile Ins Group	$1680	$280
Progressive	$1754	$295
UAIC	$1754	$293
MetLife	$1849	$315
Farmers	$2937	$490
Mercury	$3171	$539
Allstate	$3193	$538
Metropolitan Group	$1176	$196

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Average Car Insurance in Watergate 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 Watergate, FL increasing?

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

Car Insurance Premiums by Age in Watergate

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	$1595
40s	Travelers	$1204
50s	Travelers	$1123
60s	Travelers	$1107

Cheapest Car Insurance Rates for Teen Drivers in Watergate,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Watergate at $111 per month. At $9988 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$665	$111
AIG	$899	$153
Travelers	$2038	$343
State Farm	$2681	$451
UAIC	$3989	$665
United Automobile Ins Group	$4143	$705
Allstate	$6283	$1058
Mercury	$7788	$1311
Progressive	$8322	$1401
Farmers	$9988	$1699

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 Watergate.

As young drivers face the highest rates in Watergate, Travelers offers the cheapest auto insurance rates at $1595 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 Watergate, Nationwide is the cheapest car insurance provider. At $796 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 Watergate is Allstate, offering rates of around $6386 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$796	$135
Mercury	$870	$145
Direct General Insurance	$907	$154
Travelers	$1724	$290
UAIC	$1754	$298
Progressive	$3390	$565
Farmers	$4063	$691
State Farm	$6086	$1015
Allstate	$6386	$1086

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Car Insurance Rates with An Accident in Watergate

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

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

The cheapest car insurance companies after an at-fault accident in Watergate include Nationwide and AIG, offering $840 and $1074, respectively. National General is an expensive provider with an average six-month premium of $1300.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$840	$140
AIG	$1074	$182
Travelers	$1213	$204
State Farm	$1250	$210
United Automobile Ins Group	$2184	$364
Mercury	$2257	$380
UAIC	$2287	$381
Progressive	$2995	$504
Farmers	$4098	$683
Allstate	$5545	$934
National General	$1300	$221

Watergate Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Watergate FL. For example, the car insurance in Watergate after a DUI increases to $1153 for a six month policy. While the rate increases by $350 for a six-month policy in the case of a speeding ticket.

Watergate auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2244	$374
One Med/PIP claim	$2244	$381
Not-at-fault accident	$2426	$405
Two Med/PIP claims	$2492	$423
One comp claim	$2528	$422
Child safety restraint	$2535	$431
Failure to wear a seat belt	$2535	$423
Driving without lights	$2542	$432
Failure to show documents	$2542	$424
Speeding 6 - 10 MPH over limit	$2594	$442
Improper passing	$2601	$433
Passing school bus	$2601	$443
Wrong way/wrong lane	$2601	$433
Failure to stop at a red light	$2609	$444
Failure to yield	$2609	$434
Illegal turn	$2609	$444
Cell phone violation	$2616	$435
Driving with expired registration	$2616	$445
Following too closely	$2616	$435
Texting while driving	$2622	$446
Two comp claims	$2681	$446
Driving too slowly	$2696	$459
Speeding in school zone	$2696	$449
Speeding 11 - 15 MPH over limit	$2704	$460
In 65 MPH zone	$2798	$466
Speeding 16 - 20 MPH over limit	$2798	$476
Speeding 21 - 25 MPH over limit	$2813	$469
Open container	$2843	$483
Operating a vehicle without permission	$2843	$474
At-fault accident - less than $1000	$3084	$524
At-fault accident - $1000-$2000	$3134	$523
At-fault accident - greater than $2000	$3134	$533
Racing	$3390	$565
DUI	$3397	$578
Refusal to submit to a chemical test	$3397	$566
Driving with a suspended license	$3456	$588
Reckless driving	$3529	$588
Leaving scene of an accident/hit and run	$3566	$606

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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 Watergate 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 Watergate.

The cheapest car insurance premiums in Watergate are offered by AIG at $790 for a six-month policy. However, it can be as expensive as $979 with companies like National General.

Watergate car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$790	$132
Travelers	$1257	$212
State Farm	$1526	$257
Progressive	$1541	$260
Allstate	$2806	$472
UAIC	$3091	$525
Farmers	$3339	$556
National General	$979	$164

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 Watergate are offered by Nationwide at $686. However, it can be as expensive as $3566 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Watergate after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$686	$117
State Farm	$884	$149
Travelers	$1059	$178
UAIC	$1754	$293
Allstate	$2010	$338
Progressive	$2900	$483
Farmers	$3566	$606

Car Insurance Price Trends in Watergate, Florida

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

The average cost of full coverage in the Watergate remained steady at $339 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Watergate remained steady at $103 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 Watergate?

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

What is the cheapest car insurance in Watergate?

The cheapest car insurance in Watergate is $212 per month for full coverage.

How much is car insurance in Watergate for teenagers?

Car insurance for teenagers costs $665 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 Watergate?

The average cost of car insurance is $1601 for a six-month policy. It will cost around $331 per month to insure your car in Watergate.

Is car insurance expensive in Watergate?

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

Cheapest Car Insurance Quotes in Watergate

Why you can trust Way?

How Much Is Car Insurance in Watergate

Avg. Car Insurance in Watergate

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Watergate

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Watergate Car Insurance Rates by Company

Cheap Car Insurance Companies in Watergate, FL

Way's key takeaways about car insurance in Watergate

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Watergate

Cheapest Liability Coverage in Watergate, FL

Cheapest Full Coverage Car Insurance in Watergate

Cheapest Full Coverage Car Insurance Quotes in Watergate, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Watergate by Rating Factor

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

Car Insurance Premiums by Age in Watergate

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Watergate,FL

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

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 Watergate

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

Watergate Car Insurance Rates by Violation

Watergate auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Watergate after a DUI

Watergate car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Watergate after Speeding ticket

Car Insurance Price Trends in Watergate, Florida

Average Car Insurance Cost in Watergate by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Watergate, FL

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

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