Cheapest Car Insurance Quotes in Zephyrhills

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Zephyrhills Car Insurance

^$ 78

/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 Zephyrhills

The car insurance rate in Zephyrhills is $1848 for a six-month policy, which is $137 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1167, making it a popular choice for budget-conscious drivers. Rates in Zephyrhills 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 Zephyrhills

$1848

Avg. Car Insurance in Florida

$1711

National Average

$1278

Cheapest Car Insurance Companies in Zephyrhills

1st place: Travelers

At $1167 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 $1219 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1277 for six months, making it the third cheapest auto insurance company in Zephyrhills.

Zephyrhills Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Zephyrhills, FL is Travelers, offering policies at just $1167 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1219.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2579 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Zephyrhills drivers find the best deals.

Cheap Car Insurance Companies in Zephyrhills, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1167	$197
State Farm	$1219	$205
Nationwide	$1277	$215
United Automobile Ins Group	$1475	$251
UAIC	$1630	$274
Progressive	$1925	$324
Mercury	$2784	$464
Allstate	$2804	$472
MetLife	$1623	$276
Farmers	$2579	$430

Key Takeaways

Way's key takeaways about car insurance in Zephyrhills

The auto insurance costs in Zephyrhills fall around $1167 for six months.
The cheapest auto insurance company in Zephyrhills is Mercury.
Teen drivers pay the highest rate in Zephyrhills at $1491 per month.

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Cheapest Minimum Liability Car Insurance in Zephyrhills

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 Zephyrhills are given below.

Mercury provides the cheapest minimum car insurance coverage in Zephyrhills. Their Average 6 Month Premium is $462. Farmers is the most expensive at $712 for the same period.

Cheapest Liability Coverage in Zephyrhills, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$462	$78
Nationwide	$513	$87
MetLife	$539	$90
AIG	$603	$103
United Automobile Ins Group	$777	$130
Travelers	$899	$151
State Farm	$1328	$224
Progressive	$2219	$374
Allstate	$2489	$419
UAIC	$2906	$495
Patrons Insurance	$135	$23
Farmers	$712	$119

Cheapest Full Coverage Car Insurance in Zephyrhills

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 Zephyrhills is Travelers at $197 per month and $1167 for six months.

Cheapest Full Coverage Car Insurance Quotes in Zephyrhills, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1167	$197
State Farm	$1219	$205
Nationwide	$1277	$215
United Automobile Ins Group	$1475	$251
UAIC	$1630	$274
Progressive	$1925	$324
Mercury	$2784	$464
Allstate	$2804	$472
MetLife	$1623	$276
Farmers	$2579	$430

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Average Car Insurance in Zephyrhills 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 Zephyrhills, FL increasing?

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

Car Insurance Premiums by Age in Zephyrhills

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 Zephyrhills,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Zephyrhills at $97 per month. At $8770 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$584	$97
AIG	$789	$134
Travelers	$2110	$355
State Farm	$2605	$438
United Automobile Ins Group	$3637	$606
UAIC	$3727	$634
Allstate	$5543	$933
Mercury	$6839	$1151
Progressive	$10053	$1692
Farmers	$8770	$1491

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 Zephyrhills, Nationwide is the cheapest car insurance provider. At $699 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 Zephyrhills is Farmers, offering rates of around $3567 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$699	$119
Mercury	$764	$127
Direct General Insurance	$796	$135
UAIC	$1636	$272
Travelers	$1938	$326
Progressive	$5178	$863
Allstate	$5543	$943
State Farm	$6941	$1157
Farmers	$3567	$607

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Car Insurance Rates with An Accident in Zephyrhills

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

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

The cheapest car insurance companies after an at-fault accident in Zephyrhills include Nationwide and AIG, offering $738 and $943, respectively. Farmers is an expensive provider with an average six-month premium of $3599.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$738	$123
AIG	$943	$160
State Farm	$1193	$201
Travelers	$1213	$204
United Automobile Ins Group	$1918	$320
Mercury	$1982	$334
UAIC	$2143	$357
Progressive	$3535	$595
Allstate	$4901	$825
Farmers	$3599	$599

Zephyrhills Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Zephyrhills FL. For example, the car insurance in Zephyrhills after a DUI increases to $1013 for a six month policy. While the rate increases by $308 for a six-month policy in the case of a speeding ticket.

Zephyrhills auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1970	$328
One Med/PIP claim	$1970	$335
Not-at-fault accident	$2130	$355
Two Med/PIP claims	$2188	$372
One comp claim	$2219	$370
Child safety restraint	$2226	$378
Failure to wear a seat belt	$2226	$372
Driving without lights	$2232	$379
Failure to show documents	$2232	$373
Speeding 6 - 10 MPH over limit	$2278	$388
Improper passing	$2284	$380
Passing school bus	$2284	$389
Wrong way/wrong lane	$2284	$380
Failure to stop at a red light	$2291	$390
Failure to yield	$2291	$381
Illegal turn	$2291	$390
Cell phone violation	$2297	$382
Driving with expired registration	$2297	$391
Following too closely	$2297	$382
Texting while driving	$2303	$392
Two comp claims	$2354	$392
Driving too slowly	$2367	$403
Speeding in school zone	$2367	$394
Speeding 11 - 15 MPH over limit	$2374	$404
In 65 MPH zone	$2457	$409
Speeding 16 - 20 MPH over limit	$2457	$418
Speeding 21 - 25 MPH over limit	$2470	$411
Open container	$2496	$424
Operating a vehicle without permission	$2496	$416
At-fault accident - less than $1000	$2708	$460
At-fault accident - $1000-$2000	$2752	$459
At-fault accident - greater than $2000	$2752	$468
Racing	$2976	$496
DUI	$2983	$508
Refusal to submit to a chemical test	$2983	$497
Driving with a suspended license	$3035	$516
Reckless driving	$3099	$516
Leaving scene of an accident/hit and run	$3131	$532

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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 Zephyrhills 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 Zephyrhills.

The cheapest car insurance premiums in Zephyrhills are offered by AIG at $693 for a six-month policy. However, it can be as expensive as $2932 with companies like Farmers.

Zephyrhills car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$693	$118
Travelers	$1328	$224
State Farm	$1649	$278
Progressive	$1828	$308
Allstate	$2476	$417
UAIC	$2906	$484
Farmers	$2932	$488

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 Zephyrhills are offered by Nationwide at $603. However, it can be as expensive as $3131 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Zephyrhills after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$603	$100
State Farm	$962	$162
Travelers	$1187	$200
UAIC	$1636	$279
Allstate	$1770	$298
Progressive	$4157	$706
Farmers	$3131	$532

Car Insurance Price Trends in Zephyrhills, Florida

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

The average cost of full coverage in the Zephyrhills rose by $306 in March compared to $276 of February. In other words, there has been an increase by $30 when you compare March and February.

The average cost of liability insurance in the Zephyrhills rose to $207 in March, compared to $90 in February. This represents an increase of $117 when comparing March and February.

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Frequently Asked Questions

How much is car insurance in Zephyrhills?

The car insurance in Zephyrhills is $78 per month, which is lower than the national average.

What is the cheapest car insurance in Zephyrhills?

The cheapest car insurance in Zephyrhills is $197 per month for full coverage.

How much is car insurance in Zephyrhills for teenagers?

Car insurance for teenagers costs $584 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 Zephyrhills?

The average cost of car insurance is $1711 for a six-month policy. It will cost around $310 per month to insure your car in Zephyrhills.

Is car insurance expensive in Zephyrhills?

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

Cheapest Car Insurance Quotes in Zephyrhills

Why you can trust Way?

How Much Is Car Insurance in Zephyrhills

Avg. Car Insurance in Zephyrhills

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Zephyrhills

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Zephyrhills Car Insurance Rates by Company

Cheap Car Insurance Companies in Zephyrhills, FL

Way's key takeaways about car insurance in Zephyrhills

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Zephyrhills

Cheapest Liability Coverage in Zephyrhills, FL

Cheapest Full Coverage Car Insurance in Zephyrhills

Cheapest Full Coverage Car Insurance Quotes in Zephyrhills, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Zephyrhills by Rating Factor

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

Car Insurance Premiums by Age in Zephyrhills

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Zephyrhills,FL

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

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 Zephyrhills

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

Zephyrhills Car Insurance Rates by Violation

Zephyrhills auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Zephyrhills after a DUI

Zephyrhills car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Zephyrhills after Speeding ticket

Car Insurance Price Trends in Zephyrhills, Florida

Average Car Insurance Cost in Zephyrhills by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Zephyrhills, FL

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

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