Cheapest Car Insurance Quotes in Waverly

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Waverly Car Insurance

^$ 55

/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 Waverly

The car insurance rate in Waverly is $1495 for a six-month policy, which is $130 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $891, making it a popular choice for budget-conscious drivers. Rates in Waverly 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 Waverly

$1495

Avg. Car Insurance in Florida

$1625

National Average

$1278

Cheapest Car Insurance Companies in Waverly

1st place: Travelers

At $891 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 $995 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1087 for six months, making it the third cheapest auto insurance company in Waverly.

Waverly Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Waverly, FL is Travelers, offering policies at just $891 for a six-month term. This is followed by State Farm, which has an average six-month premium of $995.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2197 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Waverly drivers find the best deals.

Cheap Car Insurance Companies in Waverly, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$891	$150
State Farm	$995	$167
Nationwide	$1087	$183
Progressive	$1153	$194
United Automobile Ins Group	$1257	$210
UAIC	$1377	$235
Allstate	$2246	$374
Mercury	$2372	$403
MetLife	$1383	$236
Farmers	$2197	$366

Key Takeaways

Way's key takeaways about car insurance in Waverly

The auto insurance costs in Waverly fall around $891 for six months.
The cheapest auto insurance company in Waverly is Travelers.
Teen drivers pay the highest rate in Waverly at $1271 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 Waverly

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 Waverly are given below.

Travelers provides the cheapest minimum car insurance coverage in Waverly. Their Average 6 Month Premium is $328. Farmers is the most expensive at $606 for the same period.

Cheapest Liability Coverage in Waverly, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$328	$55
State Farm	$355	$60
Mercury	$394	$66
Nationwide	$437	$75
MetLife	$459	$76
AIG	$513	$87
Progressive	$645	$109
United Automobile Ins Group	$661	$112
UAIC	$716	$120
Allstate	$820	$138
Patrons Insurance	$115	$19
Farmers	$606	$101

Cheapest Full Coverage Car Insurance in Waverly

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 Waverly is Travelers at $150 per month and $891 for six months.

Cheapest Full Coverage Car Insurance Quotes in Waverly, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$891	$150
State Farm	$995	$167
Nationwide	$1087	$183
Progressive	$1153	$194
United Automobile Ins Group	$1257	$210
UAIC	$1377	$235
Allstate	$2246	$374
Mercury	$2372	$403
MetLife	$1383	$236
Farmers	$2197	$366

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Average Car Insurance in Waverly 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 Waverly, FL increasing?

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

Car Insurance Premiums by Age in Waverly

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 Waverly,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Waverly at $83 per month. At $7470 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$498	$83
AIG	$673	$114
Travelers	$1465	$247
State Farm	$1760	$296
UAIC	$2344	$395
United Automobile Ins Group	$3099	$527
Allstate	$3825	$644
Progressive	$4924	$829
Mercury	$5825	$981
Farmers	$7470	$1271

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 Waverly, Nationwide is the cheapest car insurance provider. At $595 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 Waverly is Farmers, offering rates of around $3039 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$595	$101
Mercury	$650	$109
Direct General Insurance	$678	$115
UAIC	$1317	$220
Travelers	$1443	$243
Progressive	$2536	$422
Allstate	$4448	$756
State Farm	$4552	$759
Farmers	$3039	$517

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Car Insurance Rates with An Accident in Waverly

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

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

The cheapest car insurance companies after an at-fault accident in Waverly include Nationwide and AIG, offering $628 and $803, respectively. Farmers is an expensive provider with an average six-month premium of $3065.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$628	$105
AIG	$803	$136
State Farm	$935	$157
Travelers	$951	$160
United Automobile Ins Group	$1634	$272
Mercury	$1688	$284
UAIC	$1710	$285
Progressive	$2240	$377
Allstate	$3989	$672
Farmers	$3065	$511

Waverly Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Waverly FL. For example, the car insurance in Waverly after a DUI increases to $863 for a six month policy. While the rate increases by $262 for a six-month policy in the case of a speeding ticket.

Waverly auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1678	$280
One Med/PIP claim	$1678	$285
Not-at-fault accident	$1814	$303
Two Med/PIP claims	$1864	$316
One comp claim	$1891	$316
Child safety restraint	$1896	$322
Failure to wear a seat belt	$1896	$316
Driving without lights	$1902	$323
Failure to show documents	$1902	$317
Speeding 6 - 10 MPH over limit	$1940	$330
Improper passing	$1946	$324
Passing school bus	$1946	$331
Wrong way/wrong lane	$1946	$324
Failure to stop at a red light	$1951	$332
Failure to yield	$1951	$325
Illegal turn	$1951	$332
Cell phone violation	$1957	$326
Driving with expired registration	$1957	$333
Following too closely	$1957	$326
Texting while driving	$1961	$334
Two comp claims	$2006	$334
Driving too slowly	$2017	$343
Speeding in school zone	$2017	$336
Speeding 11 - 15 MPH over limit	$2022	$344
In 65 MPH zone	$2093	$349
Speeding 16 - 20 MPH over limit	$2093	$356
Speeding 21 - 25 MPH over limit	$2104	$351
Open container	$2126	$362
Operating a vehicle without permission	$2126	$354
At-fault accident - less than $1000	$2306	$392
At-fault accident - $1000-$2000	$2344	$391
At-fault accident - greater than $2000	$2344	$398
Racing	$2536	$422
DUI	$2541	$432
Refusal to submit to a chemical test	$2541	$423
Driving with a suspended license	$2585	$440
Reckless driving	$2639	$440
Leaving scene of an accident/hit and run	$2667	$454

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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 Waverly 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 Waverly.

The cheapest car insurance premiums in Waverly are offered by AIG at $591 for a six-month policy. However, it can be as expensive as $2498 with companies like Farmers.

Waverly car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$591	$100
Travelers	$967	$163
Progressive	$1110	$187
State Farm	$1333	$224
Allstate	$1803	$304
UAIC	$2317	$386
Farmers	$2498	$416

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 Waverly are offered by Nationwide at $513. However, it can be as expensive as $2667 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Waverly after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$513	$86
State Farm	$650	$109
Travelers	$738	$124
Allstate	$1935	$326
UAIC	$2115	$352
Progressive	$2591	$441
Farmers	$2667	$454

Car Insurance Price Trends in Waverly, Florida

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

The average cost of full coverage in the Waverly dipped by $236 in January compared to $254 of December. In other words, there has been an decrease by $18 when you compare January and December.

The average cost of liability insurance in the Waverly dipped to $76 in January, compared to $77 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 Waverly?

The car insurance in Waverly is $55 per month, which is lower than the national average.

What is the cheapest car insurance in Waverly?

The cheapest car insurance in Waverly is $150 per month for full coverage.

How much is car insurance in Waverly for teenagers?

Car insurance for teenagers costs $498 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 Waverly?

The average cost of car insurance is $1625 for a six-month policy. It will cost around $251 per month to insure your car in Waverly.

Is car insurance expensive in Waverly?

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

Cheapest Car Insurance Quotes in Waverly

Why you can trust Way?

How Much Is Car Insurance in Waverly

Avg. Car Insurance in Waverly

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Waverly

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Waverly Car Insurance Rates by Company

Cheap Car Insurance Companies in Waverly, FL

Way's key takeaways about car insurance in Waverly

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Waverly

Cheapest Liability Coverage in Waverly, FL

Cheapest Full Coverage Car Insurance in Waverly

Cheapest Full Coverage Car Insurance Quotes in Waverly, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Waverly by Rating Factor

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

Car Insurance Premiums by Age in Waverly

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Waverly,FL

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

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 Waverly

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

Waverly Car Insurance Rates by Violation

Waverly auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Waverly after a DUI

Waverly car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Waverly after Speeding ticket

Car Insurance Price Trends in Waverly, Florida

Average Car Insurance Cost in Waverly by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Waverly, FL

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

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