Cheapest Car Insurance Quotes in Winter Haven

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Winter Haven Car Insurance

^$ 61

/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 Winter Haven

The car insurance rate in Winter Haven is $1641 for a six-month policy, which is $16 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $978, making it a popular choice for budget-conscious drivers. Rates in Winter Haven 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 Winter Haven

$1641

Avg. Car Insurance in Florida

$1625

National Average

$1278

Cheapest Car Insurance Companies in Winter Haven

1st place: Travelers

At $978 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 $1092 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1194 for six months, making it the third cheapest auto insurance company in Winter Haven.

Winter Haven Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Winter Haven, FL is Travelers, offering policies at just $978 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1092.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2412 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Winter Haven drivers find the best deals.

Cheap Car Insurance Companies in Winter Haven, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$978	$165
State Farm	$1092	$184
Nationwide	$1194	$201
Progressive	$1266	$213
United Automobile Ins Group	$1380	$230
UAIC	$1512	$258
Allstate	$2465	$411
Mercury	$2604	$442
MetLife	$1518	$259
Farmers	$2412	$402

Key Takeaways

Way's key takeaways about car insurance in Winter Haven

The auto insurance costs in Winter Haven fall around $978 for six months.
The cheapest auto insurance company in Winter Haven is Travelers.
Teen drivers pay the highest rate in Winter Haven at $1395 per month.

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Cheapest Minimum Liability Car Insurance in Winter Haven

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 Winter Haven are given below.

Travelers provides the cheapest minimum car insurance coverage in Winter Haven. Their Average 6 Month Premium is $360. Farmers is the most expensive at $666 for the same period.

Cheapest Liability Coverage in Winter Haven, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$360	$61
State Farm	$390	$66
Mercury	$432	$73
Nationwide	$480	$82
MetLife	$504	$84
AIG	$564	$96
Progressive	$708	$119
United Automobile Ins Group	$726	$123
UAIC	$786	$131
Allstate	$900	$152
Patrons Insurance	$126	$21
Farmers	$666	$111

Cheapest Full Coverage Car Insurance in Winter Haven

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 Winter Haven is Travelers at $165 per month and $978 for six months.

Cheapest Full Coverage Car Insurance Quotes in Winter Haven, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$978	$165
State Farm	$1092	$184
Nationwide	$1194	$201
Progressive	$1266	$213
United Automobile Ins Group	$1380	$230
UAIC	$1512	$258
Allstate	$2465	$411
Mercury	$2604	$442
MetLife	$1518	$259
Farmers	$2412	$402

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Average Car Insurance in Winter Haven 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 Winter Haven, FL increasing?

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

Car Insurance Premiums by Age in Winter Haven

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 Winter Haven,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Winter Haven at $91 per month. At $8201 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$546	$91
AIG	$738	$125
Travelers	$1608	$271
State Farm	$1932	$325
UAIC	$2573	$433
United Automobile Ins Group	$3402	$579
Allstate	$4200	$707
Progressive	$5406	$910
Mercury	$6395	$1077
Farmers	$8201	$1395

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 Winter Haven, Nationwide is the cheapest car insurance provider. At $653 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 Winter Haven is Farmers, offering rates of around $3336 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$653	$111
Mercury	$714	$119
Direct General Insurance	$744	$126
UAIC	$1446	$241
Travelers	$1584	$267
Progressive	$2784	$464
Allstate	$4883	$830
State Farm	$4997	$833
Farmers	$3336	$568

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Car Insurance Rates with An Accident in Winter Haven

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

Cheapest Car Insurance Companies after an At-Fault Accident in Winter Haven

The cheapest car insurance companies after an at-fault accident in Winter Haven include Nationwide and AIG, offering $690 and $882, respectively. Farmers is an expensive provider with an average six-month premium of $3365.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$690	$115
AIG	$882	$149
State Farm	$1026	$173
Travelers	$1044	$176
United Automobile Ins Group	$1794	$299
Mercury	$1853	$312
UAIC	$1878	$313
Progressive	$2459	$414
Allstate	$4379	$737
Farmers	$3365	$561

Winter Haven Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Winter Haven FL. For example, the car insurance in Winter Haven after a DUI increases to $948 for a six month policy. While the rate increases by $288 for a six-month policy in the case of a speeding ticket.

Winter Haven auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1842	$307
One Med/PIP claim	$1842	$313
Not-at-fault accident	$1992	$332
Two Med/PIP claims	$2046	$347
One comp claim	$2076	$346
Child safety restraint	$2082	$354
Failure to wear a seat belt	$2082	$347
Driving without lights	$2088	$355
Failure to show documents	$2088	$348
Speeding 6 - 10 MPH over limit	$2130	$363
Improper passing	$2136	$356
Passing school bus	$2136	$364
Wrong way/wrong lane	$2136	$356
Failure to stop at a red light	$2142	$365
Failure to yield	$2142	$357
Illegal turn	$2142	$365
Cell phone violation	$2148	$358
Driving with expired registration	$2148	$366
Following too closely	$2148	$358
Texting while driving	$2153	$367
Two comp claims	$2202	$367
Driving too slowly	$2214	$377
Speeding in school zone	$2214	$369
Speeding 11 - 15 MPH over limit	$2220	$378
In 65 MPH zone	$2298	$383
Speeding 16 - 20 MPH over limit	$2298	$391
Speeding 21 - 25 MPH over limit	$2310	$385
Open container	$2334	$397
Operating a vehicle without permission	$2334	$389
At-fault accident - less than $1000	$2532	$430
At-fault accident - $1000-$2000	$2573	$429
At-fault accident - greater than $2000	$2573	$437
Racing	$2784	$464
DUI	$2790	$475
Refusal to submit to a chemical test	$2790	$465
Driving with a suspended license	$2838	$483
Reckless driving	$2898	$483
Leaving scene of an accident/hit and run	$2928	$498

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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 Winter Haven 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 Winter Haven.

The cheapest car insurance premiums in Winter Haven are offered by AIG at $648 for a six-month policy. However, it can be as expensive as $2742 with companies like Farmers.

Winter Haven car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$648	$110
Travelers	$1062	$179
Progressive	$1218	$205
State Farm	$1463	$246
Allstate	$1980	$333
UAIC	$2544	$424
Farmers	$2742	$457

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 Winter Haven are offered by Nationwide at $564. However, it can be as expensive as $2928 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Winter Haven after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$564	$94
State Farm	$714	$120
Travelers	$810	$136
Allstate	$2124	$358
UAIC	$2322	$387
Progressive	$2844	$484
Farmers	$2928	$498

Car Insurance Price Trends in Winter Haven, Florida

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

The average cost of full coverage in the Winter Haven dipped by $259 in January compared to $279 of December. In other words, there has been an decrease by $20 when you compare January and December.

The average cost of liability insurance in the Winter Haven dipped to $84 in January, compared to $85 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 Winter Haven?

The car insurance in Winter Haven is $61 per month, which is lower than the national average.

What is the cheapest car insurance in Winter Haven?

The cheapest car insurance in Winter Haven is $165 per month for full coverage.

How much is car insurance in Winter Haven for teenagers?

Car insurance for teenagers costs $546 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 Winter Haven?

The average cost of car insurance is $1625 for a six-month policy. It will cost around $276 per month to insure your car in Winter Haven.

Is car insurance expensive in Winter Haven?

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

Cheapest Car Insurance Quotes in Winter Haven

Why you can trust Way?

How Much Is Car Insurance in Winter Haven

Avg. Car Insurance in Winter Haven

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Winter Haven

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Winter Haven Car Insurance Rates by Company

Cheap Car Insurance Companies in Winter Haven, FL

Way's key takeaways about car insurance in Winter Haven

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Winter Haven

Cheapest Liability Coverage in Winter Haven, FL

Cheapest Full Coverage Car Insurance in Winter Haven

Cheapest Full Coverage Car Insurance Quotes in Winter Haven, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Winter Haven by Rating Factor

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

Car Insurance Premiums by Age in Winter Haven

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Winter Haven,FL

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

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 Winter Haven

Cheapest Car Insurance Companies after an At-Fault Accident in Winter Haven

Winter Haven Car Insurance Rates by Violation

Winter Haven auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Winter Haven after a DUI

Winter Haven car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Winter Haven after Speeding ticket

Car Insurance Price Trends in Winter Haven, Florida

Average Car Insurance Cost in Winter Haven by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Winter Haven, FL

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

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