Cheapest Car Insurance Quotes in Wesley Chapel

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Wesley Chapel Car Insurance

^$ 24

/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 Wesley Chapel

The car insurance rate in Wesley Chapel is $1857 for a six-month policy, which is $256 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1186, making it a popular choice for budget-conscious drivers. Rates in Wesley Chapel 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 Wesley Chapel

$1857

Avg. Car Insurance in Florida

$1601

National Average

$1140

Cheapest Car Insurance Companies in Wesley Chapel

1st place: Travelers

At $1186 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 $1261 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1467 for six months, making it the third cheapest auto insurance company in Wesley Chapel.

Wesley Chapel Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Wesley Chapel, FL is Travelers, offering policies at just $1186 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1261.

At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $1109 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Wesley Chapel drivers find the best deals.

Cheap Car Insurance Companies in Wesley Chapel, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1186	$200
State Farm	$1261	$212
Nationwide	$1467	$247
United Automobile Ins Group	$1585	$264
Progressive	$1654	$278
UAIC	$1654	$276
MetLife	$1743	$297
Farmers	$2770	$462
Mercury	$2990	$508
Allstate	$3011	$507
Metropolitan Group	$1109	$184

Key Takeaways

Way's key takeaways about car insurance in Wesley Chapel

The auto insurance costs in Wesley Chapel fall around $1186 for six months.
The cheapest auto insurance company in Wesley Chapel is Patrons Insurance.
Teen drivers pay the highest rate in Wesley Chapel at $1602 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 Wesley Chapel

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 Wesley Chapel are given below.

Patrons Insurance provides the cheapest minimum car insurance coverage in Wesley Chapel. Their Average 6 Month Premium is $145. Metropolitan Group is the most expensive at $441 for the same period.

Cheapest Liability Coverage in Wesley Chapel, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$145	$24
Travelers	$441	$74
State Farm	$469	$79
Mercury	$496	$84
Nationwide	$551	$94
Farmers	$764	$128
AIG	$778	$132
Progressive	$813	$137
United Automobile Ins Group	$834	$142
UAIC	$902	$151
Allstate	$1041	$175
Metropolitan Group	$441	$73

Cheapest Full Coverage Car Insurance in Wesley Chapel

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 Wesley Chapel is Travelers at $200 per month and $1186 for six months.

Cheapest Full Coverage Car Insurance Quotes in Wesley Chapel, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1186	$200
State Farm	$1261	$212
Nationwide	$1467	$247
United Automobile Ins Group	$1585	$264
Progressive	$1654	$278
UAIC	$1654	$276
MetLife	$1743	$297
Farmers	$2770	$462
Mercury	$2990	$508
Allstate	$3011	$507
Metropolitan Group	$1109	$184

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Average Car Insurance in Wesley Chapel 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 Wesley Chapel, FL increasing?

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

Car Insurance Premiums by Age in Wesley Chapel

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	$1505
40s	Travelers	$1136
50s	Travelers	$1059
60s	Travelers	$1044

Cheapest Car Insurance Rates for Teen Drivers in Wesley Chapel,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Wesley Chapel at $104 per month. At $9419 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$628	$104
AIG	$848	$144
Travelers	$1922	$324
State Farm	$2529	$426
UAIC	$3762	$628
United Automobile Ins Group	$3907	$665
Allstate	$5925	$998
Mercury	$7345	$1237
Progressive	$7849	$1321
Farmers	$9419	$1602

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 Wesley Chapel.

As young drivers face the highest rates in Wesley Chapel, Travelers offers the cheapest auto insurance rates at $1505 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 Wesley Chapel, Nationwide is the cheapest car insurance provider. At $751 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 Wesley Chapel is Allstate, offering rates of around $6023 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$751	$128
Mercury	$820	$137
Direct General Insurance	$855	$145
Travelers	$1626	$274
UAIC	$1654	$281
Progressive	$3197	$532
Farmers	$3831	$652
State Farm	$5740	$957
Allstate	$6023	$1024

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Car Insurance Rates with An Accident in Wesley Chapel

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

Cheapest Car Insurance Companies after an At-Fault Accident in Wesley Chapel

The cheapest car insurance companies after an at-fault accident in Wesley Chapel include Nationwide and AIG, offering $792 and $1013, respectively. National General is an expensive provider with an average six-month premium of $1226.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$792	$132
AIG	$1013	$172
Travelers	$1144	$193
State Farm	$1179	$198
United Automobile Ins Group	$2060	$343
Mercury	$2129	$358
UAIC	$2156	$360
Progressive	$2825	$476
Farmers	$3865	$644
Allstate	$5229	$880
National General	$1226	$209

Wesley Chapel Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Wesley Chapel FL. For example, the car insurance in Wesley Chapel after a DUI increases to $1088 for a six month policy. While the rate increases by $330 for a six-month policy in the case of a speeding ticket.

Wesley Chapel auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2116	$353
One Med/PIP claim	$2116	$360
Not-at-fault accident	$2288	$382
Two Med/PIP claims	$2350	$399
One comp claim	$2384	$398
Child safety restraint	$2391	$406
Failure to wear a seat belt	$2391	$399
Driving without lights	$2398	$407
Failure to show documents	$2398	$400
Speeding 6 - 10 MPH over limit	$2446	$416
Improper passing	$2453	$408
Passing school bus	$2453	$418
Wrong way/wrong lane	$2453	$408
Failure to stop at a red light	$2460	$419
Failure to yield	$2460	$409
Illegal turn	$2460	$419
Cell phone violation	$2467	$411
Driving with expired registration	$2467	$420
Following too closely	$2467	$411
Texting while driving	$2473	$421
Two comp claims	$2529	$421
Driving too slowly	$2543	$433
Speeding in school zone	$2543	$423
Speeding 11 - 15 MPH over limit	$2550	$434
In 65 MPH zone	$2639	$440
Speeding 16 - 20 MPH over limit	$2639	$449
Speeding 21 - 25 MPH over limit	$2653	$442
Open container	$2681	$456
Operating a vehicle without permission	$2681	$447
At-fault accident - less than $1000	$2908	$494
At-fault accident - $1000-$2000	$2956	$493
At-fault accident - greater than $2000	$2956	$502
Racing	$3197	$532
DUI	$3204	$545
Refusal to submit to a chemical test	$3204	$534
Driving with a suspended license	$3260	$554
Reckless driving	$3328	$554
Leaving scene of an accident/hit and run	$3363	$572

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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 Wesley Chapel 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 Wesley Chapel.

The cheapest car insurance premiums in Wesley Chapel are offered by AIG at $745 for a six-month policy. However, it can be as expensive as $923 with companies like National General.

Wesley Chapel car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$745	$124
Travelers	$1186	$200
State Farm	$1440	$242
Progressive	$1453	$245
Allstate	$2646	$445
UAIC	$2915	$495
Farmers	$3149	$524
National General	$923	$154

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 Wesley Chapel are offered by Nationwide at $647. However, it can be as expensive as $3363 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Wesley Chapel after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$647	$110
State Farm	$834	$140
Travelers	$999	$168
UAIC	$1654	$276
Allstate	$1895	$319
Progressive	$2735	$456
Farmers	$3363	$572

Car Insurance Price Trends in Wesley Chapel, Florida

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

The average cost of full coverage in the Wesley Chapel remained steady at $320 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Wesley Chapel remained steady at $97 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 Wesley Chapel?

The car insurance in Wesley Chapel is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Wesley Chapel?

The cheapest car insurance in Wesley Chapel is $200 per month for full coverage.

How much is car insurance in Wesley Chapel for teenagers?

Car insurance for teenagers costs $628 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 Wesley Chapel?

The average cost of car insurance is $1601 for a six-month policy. It will cost around $312 per month to insure your car in Wesley Chapel.

Is car insurance expensive in Wesley Chapel?

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

Cheapest Car Insurance Quotes in Wesley Chapel

Why you can trust Way?

How Much Is Car Insurance in Wesley Chapel

Avg. Car Insurance in Wesley Chapel

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Wesley Chapel

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Wesley Chapel Car Insurance Rates by Company

Cheap Car Insurance Companies in Wesley Chapel, FL

Way's key takeaways about car insurance in Wesley Chapel

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Wesley Chapel

Cheapest Liability Coverage in Wesley Chapel, FL

Cheapest Full Coverage Car Insurance in Wesley Chapel

Cheapest Full Coverage Car Insurance Quotes in Wesley Chapel, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Wesley Chapel by Rating Factor

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

Car Insurance Premiums by Age in Wesley Chapel

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Wesley Chapel,FL

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

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 Wesley Chapel

Cheapest Car Insurance Companies after an At-Fault Accident in Wesley Chapel

Wesley Chapel Car Insurance Rates by Violation

Wesley Chapel auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Wesley Chapel after a DUI

Wesley Chapel car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Wesley Chapel after Speeding ticket

Car Insurance Price Trends in Wesley Chapel, Florida

Average Car Insurance Cost in Wesley Chapel by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Wesley Chapel, FL

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

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