Cheapest Auto Insurance in Winter Haven, Florida (2024)
For the cheapest car insurance in the city, look to State Farm, with a liability rate of $71 per month.
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Written byJacqueline DeMarco
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13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
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Courtney MikulskiSenior Editor, Auto
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Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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Reviewed byDaniel Roccato
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
Updated November 21, 2024
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Table of contents
While car insurance premiums can take up a chunk of your monthly budget, the good news is that residents of Winter Haven, Florida, tend to spend less on average for full-coverage car insurance ($275 per month) than other cities in Florida. Accident and theft rates where you live play a big role in insurance pricing, and Winter Haven has significantly lower rates of reckless driving than cities like Miami, which can contribute to its slightly lower-than-average rates.[1]
The overall average monthly quote for car insurance in Winter Haven is $215. To help find low rates, it’s a good idea for Winter Haven drivers to compare quotes and take advantage of discounts insurers offer. Here’s what you need to know about finding cheap car insurance in Winter Haven.
Quick Facts
Florida’s minimum car insurance requirements are much lower than other states’.[2]
State Farm, GEICO, and Mile Auto have the cheapest car insurance in Winter Haven.
Winter Haven’s average cost for insurance is $156 per month for liability and $275 for full coverage.
3 of the cheapest car insurance companies in Winter Haven
Finding the right car insurance company in Winter Haven requires careful consideration of your individual needs and circumstances. The cheapest car insurance can vary depending on factors like your driving history, age, vehicle type, and coverage preferences.
Here’s a look at some affordable Winter Haven car insurance companies and why they stand out.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $83 | $68 | Drivers with a speeding ticket |
| GEICO | 9.0 | $86 | $69 | Senior drivers |
| Allstate | 8.9 | $145 | $117 | Drivers with an accident |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for drivers with a speeding ticket: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $89/mo |
4.2
Best choiceBased on 9037 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm offers liability, collision, comprehensive, medical payments, and uninsured/underinsured motorist coverages, making it a solid option for drivers who want customizable coverage. State Farm also offers extra features, like coverage for rental cars and roadside assistance.
Pros
Plenty of advertised discounts
Top J.D. Power customer satisfaction rating in Florida
Cons
Must contact an agent to buy a policy
Low rating on Trustpilot
Best insurer for senior drivers: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $91/mo |
4.0
Best choiceBased on 10274 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,648)
George
November 19, 2024
Verified Review
Service
The prices increase every year. I would not recommend purchasing.
James
November 19, 2024
Verified Review
Unsatisfactory Experience with Geico
Steer clear. They increase your rate at every renewal.
Edward
November 18, 2024
Verified Review
Experience with Geico
Reliable.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO offers car insurance with affordable rates and personalized service and has 85 years of industry experience. It provides free quotes and car insurance savings through discounts. Senior drivers may appreciate its defensive driving course discount, safe driver discount, and discount for signing up for its telematics program.
Pros
Offers bundling discounts
Highly rated mobile app
Cons
Negative Better Business Bureau (BBB) reviews
Doesn’t offer gap insurance
Best insurer for drivers with an accident: Allstate
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $154/mo |
4.0
Best choiceBased on 5648 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,073)
Rodney
November 20, 2024
Verified Review
Lower Insurance
The insurance is too high.
Lyudmila
November 14, 2024
Verified Review
No Discount for Seniors
The service is mediocre.
Latonya
November 12, 2024
Verified Review
Not Recommended
I would not recommend Allstate. They did not support me when I needed them most. They didn't believe me or the other party when we said my first accident wasn't my fault. My agent incorrectly reported to the DMV that my insurance had lapsed when it hadn't. They increased my insurance rates four to five times within two years. A representative from my agent's office called me to sell renters insurance, promising a lower monthly rate, which turned out to be false. After I was involved in a hit and run, instead of ensuring my wellbeing, they raised my insurance again to almost $800/month. I find Allstate to be a disappointing car insurance company and I wouldn't recommend them to anyone.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
If someone has high insurance rates after an accident, Allstate car insurance provides easy access to knowledgeable agents and innovative tools like Drivewise to help safe drivers save money. Plus, its accident forgiveness policy may help you save money after an accident.
Pros
Offers various discounts
Covers hybrids and classic cars
Cons
Higher average rates than other top insurers
Many negative Trustpilot reviews
How to get the cheapest car insurance in Winter Haven
When searching for cheap car insurance rates in Winter Haven, here are some tips to keep in mind:
Bundle policies. Optimize your savings by bundling your policies and inquiring about multi-policy discounts when combining car insurance with other policies, such as renters insurance and homeowners insurance.
Inquire about discounts. Call an insurance agent to see which discounts you can qualify for, such as for good driving, safety features, or good grades if you have a teenage driver in your household.
Drive safely. Prioritize safe driving practices to maintain a clean driving record. Abide by traffic laws and avoid accidents and violations, as a clean driving record usually leads to lower insurance rates.
Choose a safe vehicle. High safety scores and safety equipment can qualify vehicles for safety-related insurance discounts.
Shop around. Conduct thorough research on different insurance companies to compare quotes from multiple insurers and find a customized rate that meets your unique needs.
Find Cheap Car Insurance in Winter Haven
Liability rates start at $71 per month
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Cheapest liability-only car insurance in Winter Haven: State Farm
Liability-only car insurance offers financial protection in situations where you’re at fault for causing damages or injuries to others in a car accident. This coverage doesn’t extend to the repair costs of your own vehicle. Instead, it covers the medical expenses and property damage of the other party, up to your policy’s specified limits. Generally, liability-only policies work best for drivers with older, less-expensive vehicles that are paid off.
Liability-only insurance in Winter Haven costs $156 per month, on average.
Here are the cheapest companies for liability coverage in Winter Haven, Florida.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $71 |
| GEICO | $73 |
| Mile Auto | $121 |
| Allstate | $124 |
| Travelers | $147 |
| Mercury | $162 |
| Direct Auto | $169 |
| Safeco | $189 |
| Progressive | $193 |
| Infinity | $205 |
| Foremost | $220 |
| GAINSCO | $237 |
| Dairyland | $239 |
| Bristol West | $262 |
| AssuranceAmerica | $267 |
| National General | $295 |
| The General | $324 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Winter Haven: State Farm
Liability-only coverage protects you against the financial consequences of damages and injuries you cause to others. But it doesn’t provide coverage for your own vehicle. Although it's more expensive than liability-only coverage, full-coverage car insurance offers a level of protection that extends beyond liability to provide coverage for damages to your vehicle.
This type of auto insurance coverage is particularly advantageous for drivers who own valuable cars, reside in areas with a higher risk of accidents or theft, or simply want more complete coverage for both personal and third-party damages. If you finance or lease your vehicle, your lender or leasing company will require you to buy full coverage to protect their investment in your car.
Full-coverage policies in Winter Haven cost $275 per month, on average.
The table below shows the cheapest full-coverage car insurance companies in Winter Haven.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $89 |
| GEICO | $91 |
| Allstate | $154 |
| Mile Auto | $156 |
| Travelers | $183 |
| Safeco | $197 |
| Mercury | $202 |
| Progressive | $283 |
| Infinity | $288 |
| National General | $308 |
| GAINSCO | $328 |
| Direct Auto | $329 |
| Foremost | $334 |
| Bristol West | $375 |
| Dairyland | $416 |
| AssuranceAmerica | $444 |
| The General | $461 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Winter Haven, Florida
Drivers using Insurify have found quotes as cheap as $46/mo for liability only and $71/mo for full coverage in Winter Haven and other Florida cities.
*Quotes generated for Insurify users in and around Winter Haven, Florida within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Winter Haven, Florida within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Florida
To drive legally in Florida, you must have proof of personal injury protection (PIP) and property damage liability insurance. PIP covers 80% of medical expenses up to $10,000 for covered injuries, regardless of fault. Property damage liability insurance covers property damage that the policyholder causes in an accident. Continuous coverage is necessary, even if the vehicle isn’t in use.
Here are the Florida car insurance minimum limits:[2]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Personal injury protection | $10,000 per accident |
| Property damage liability | $10,000 per accident |
Compared to other states, Florida’s minimum insurance requirements are extremely low. Many states require bodily injury liability in addition to property damage liability coverage. If you want more protection on the road, you should explore these optional coverages to enhance your auto insurance:
Collision coverage
Collision insurance protects your vehicle from damages resulting from collisions with other vehicles or objects, regardless of fault.
Comprehensive coverage
Comprehensive insurance ensures coverage for theft and damages from incidents other than collisions, including fire, vandalism, theft, falling objects, and natural disasters.
Gap coverage
If you have a vehicle on finance or lease, gap insurance bridges the gap between your auto loan balance and the insurance settlement in the event of a total loss.
Uninsured/underinsured motorist coverage
If a driver without insurance causes an accident, uninsured/underinsured motorist coverage kicks in to pay for damages and injuries.
Glass coverage
This includes coverage for windshield and glass damage, with certain policies offering no-deductible coverage for side windows, rear windows, and glass sunroofs.
)
How Much Car Insurance Do You Need?
Cheapest car insurance for drivers with an incident
If you’re a driver who has incidents on your record, such as speeding tickets, driving under the influence (DUI), at-fault accidents, or other moving violations, it’s crucial to find a car insurance policy at the best rate possible.
Keep in mind that these incidents usually lead to elevated insurance costs, as they indicate a greater possibility of future claims.[3]
Find Car Insurance in Winter Haven, FL
Monthly rates start at $82 for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: State Farm
The presence of a speeding ticket on your driving record is likely to cause an increase in your car insurance premiums, even if you didn’t cause an accident. Speeding is a risky behavior, and insurance companies raise rates to offset the potential risk speeding poses.[3] The average cost of car insurance for drivers with a speeding ticket in Winter Haven is $335 per month for full coverage and $190 for liability only.
Here are the average monthly quotes for car insurance from the cheapest insurers in Winter Haven for drivers with a speeding ticket.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| State Farm | $71 | $85 |
| GEICO | $73 | $88 |
| Mile Auto | $121 | $147 |
| Allstate | $124 | $150 |
| Travelers | $147 | $179 |
| Mercury | $162 | $211 |
| Direct Auto | $169 | $204 |
| Safeco | $189 | $232 |
| Progressive | $193 | $231 |
| Infinity | $205 | $256 |
| Foremost | $220 | $287 |
| GAINSCO | $237 | $310 |
| Dairyland | $239 | $288 |
| Bristol West | $262 | $319 |
| AssuranceAmerica | $267 | $322 |
| National General | $295 | $358 |
| The General | $324 | $399 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
Polk County, Florida, reported a 19% increase in the number of car accidents and a 37% increase in the number of traffic fatalities between 2020 and 2021.[4] When you have an at-fault accident on your driving record, it’s typical for your auto insurance rates to go up. Insurance companies do this as a precautionary measure to manage potential financial risks stemming from future accidents.[3]
The average that drivers with an accident pay in Winter Haven is $362 per month for full coverage and $205 for liability only.
If you live in Winter Haven and have an at-fault accident on your record, take a look at the table below for the cheapest average monthly quotes.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| State Farm | $71 | $91 |
| GEICO | $73 | $95 |
| Mile Auto | $121 | $161 |
| Allstate | $124 | $161 |
| Travelers | $147 | $192 |
| Mercury | $162 | $225 |
| Direct Auto | $169 | $224 |
| Safeco | $189 | $242 |
| Progressive | $193 | $252 |
| Infinity | $205 | $259 |
| Foremost | $220 | $304 |
| GAINSCO | $237 | $293 |
| Dairyland | $239 | $306 |
| Bristol West | $262 | $339 |
| AssuranceAmerica | $267 | $338 |
| National General | $295 | $381 |
| The General | $324 | $427 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
The state of Florida and insurance companies view DUIs as serious driving offenses, and they cause a considerable surge in car insurance premiums. Car insurance companies perceive a track record of DUIs as a substantial financial risk and adjust rates accordingly.
The average cost of car insurance for drivers with a DUI in Winter Haven is $417 per month for full coverage and $237 for liability only.
Florida also imposes FR-44 insurance on drivers with DUIs, which requires $100,000 per person and $300,000 per accident for bodily injury liability and $50,000 per accident for property damage liability.[5]
Here are the cheapest car insurance companies in Winter Haven, Florida, for drivers with a DUI.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| State Farm | $71 | $112 |
| GEICO | $73 | $116 |
| Mile Auto | $121 | $191 |
| Allstate | $124 | $196 |
| Travelers | $147 | $233 |
| Mercury | $162 | $236 |
| Direct Auto | $169 | $267 |
| Safeco | $189 | $276 |
| Progressive | $193 | $305 |
| Infinity | $205 | $324 |
| Foremost | $220 | $348 |
| GAINSCO | $237 | $375 |
| Dairyland | $239 | $378 |
| Bristol West | $262 | $415 |
| AssuranceAmerica | $267 | $423 |
| National General | $295 | $467 |
| The General | $324 | $513 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Age is an important factor in determining car insurance premiums.[6] In general, rates tend to decline as drivers accumulate more experience, typically around the age of 25. But when drivers reach approximately 70 years old, premiums may have a slight uptick due to factors like increased accident risks and potential health concerns.
Senior drivers in Winter Haven pay an average of $221 per month for full coverage and $125 for liability only.
If you’re a senior driver in Winter Haven, take a look at the table below to discover some of the lowest average quotes available to help you make an informed decision.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| State Farm | $68 | $54 |
| GEICO | $71 | $57 |
| Mile Auto | $116 | $90 |
| Allstate | $122 | $98 |
| Travelers | $141 | $113 |
| Mercury | $157 | $126 |
| Safeco | $166 | $159 |
| Progressive | $201 | $137 |
| Infinity | $218 | $155 |
| National General | $232 | $222 |
| Direct Auto | $253 | $130 |
| Foremost | $263 | $173 |
| GAINSCO | $271 | $196 |
| Bristol West | $296 | $207 |
| Dairyland | $327 | $188 |
| AssuranceAmerica | $330 | $199 |
| The General | $368 | $259 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: GEICO
Teen drivers frequently face higher premiums than older, more experienced drivers, mainly due to their limited time behind the wheel and increased risk factors.[6]
One effective way younger drivers can find affordable car insurance is by staying on a parent’s insurance policy, as this often results in more favorable premiums. Selecting a safe and reliable vehicle with good safety features, maintaining good academic performance to qualify for a good student discount, and completing an approved driver education course can also help save teens money.
Teen drivers in Winter Haven pay an average of $455 per month for full coverage and $258 for liability only.
The table below shows the cheapest car insurance companies for teen drivers and young adults in Winter Haven.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| GEICO | $143 | $115 |
| State Farm | $151 | $120 |
| Allstate | $271 | $218 |
| Mile Auto | $299 | $232 |
| Travelers | $327 | $263 |
| Mercury | $353 | $283 |
| Safeco | $375 | $360 |
| Progressive | $490 | $334 |
| Infinity | $511 | $364 |
| GAINSCO | $559 | $404 |
| Foremost | $586 | $386 |
| Direct Auto | $594 | $305 |
| National General | $600 | $575 |
| Bristol West | $623 | $436 |
| Dairyland | $661 | $380 |
| The General | $721 | $507 |
| AssuranceAmerica | $806 | $485 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Winter Haven car insurance quotes by credit tier
Florida state law allows insurers to use your credit history when determining premiums.[7] Because of this, drivers with good or excellent credit typically pay lower premiums than drivers with poor credit. Here are the average rates for Winter Haven drivers based on credit tier.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Winter Haven?
In the United States, the typical monthly expense for full-coverage car insurance is around $204. Winter Haven residents spend significantly more, with an average monthly premium of $275 for the same level of coverage. But car insurance rates can vary significantly based on a city’s characteristics, such as weather conditions, crime rates, and traffic volume.[6]
Compared to Winter Haven, Fort Myers drivers generally pay lower monthly premiums for full coverage (at $223 per month), while drivers in Miami and several other cities tend to have higher rates.
More cities in Florida
Car insurance rates in Winter Haven are generally cheaper than in many other cities in Florida. But cities like Miami, with significantly higher rates of reckless driving, tend to have even higher average car insurance costs.[1]
Here’s a comparison of average quotes for car insurance in other major cities across Florida.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Fort Lauderdale | $310 | $202 |
| Fort Myers | $223 | $136 |
| Jacksonville | $247 | $148 |
| Lakeland | $229 | $149 |
| Miami | $354 | $217 |
| Ocala | $207 | $132 |
| Orlando | $263 | $167 |
| Pompano Beach | $302 | $210 |
| Tampa | $332 | $232 |
| West Palm Beach | $310 | $216 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Winter Haven car insurance FAQs
Understand the factors that can increase your car insurance rates while you shop for insurance. Here are the answers to common questions about car insurance in Winter Haven.
How much is car insurance in Winter Haven?
The average cost of car insurance in Winter Haven is $156 per month for liability-only coverage and $275 for full coverage.
Which company has the cheapest car insurance in Winter Haven?
State Farm has the cheapest car insurance in Winter Haven, with monthly liability rates as low as $71. GEICO and Mile Auto also offer affordable coverage, with respective monthly liability rates of $73 and $121.
But the cheapest insurer for you will depend on many factors, such as your age, ZIP code, the type of car you drive, and the coverage levels you choose.
What are the best car insurance companies in Winter Haven?
Some of the best car insurance companies in Winter Haven include Allstate, GEICO, and State Farm. These insurers have low average premiums in the city, strong J.D. Power customer satisfaction ratings in the state, and high Insurify Quality Scores.
But you should always compare quotes from at least three different insurance companies to find the most affordable option that fits your unique coverage needs.
Who pays for car damage after an accident in Florida?
Florida is a no-fault state, which means that drivers file insurance claims with their own insurance companies for injuries after an accident. If the damages exceed your policy limits, you may be able to pursue compensation from the at-fault party’s insurance company.[8]
What increases car insurance rates in Winter Haven?
In Winter Haven, car insurance rates can increase depending on the area’s population, traffic, accident rate, and vehicle theft rate.[6] While Winter Haven isn’t on the Florida coast, the state is still subject to severe coastal storms and weather conditions, which can increase claims and drive up car insurance rates.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Florida
Sources
- Florida Department of Highway Safety and Motor Vehicles. "Annual Uniform Traffic Citation Report."
- Florida Department of Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
- III. "Do auto insurance premiums go up after a claim?."
- Florida Highway Safety and Motor Vehicles. "Traffic Crash Facts Annual Report 2021."
- Florida Department of Highway Safety and Motor Vehicles. "DUI Frequently Asked Questions."
- III. "What determines the price of an auto insurance policy?."
- The Florida Senate. "626.9741 Use of credit reports and credit scores by insurers."
- Nolo. "How Car Accident Laws Work in Florida."
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Jacqueline DeMarco
During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.
Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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