How much does car insurance cost in Winter Garden, FL? Check out the average rates that drivers pay below.
Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Florida has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Winter Garden typically pay around $247.72 per month compared to the national average of $167.68 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.
Area | Average Monthly Rate |
---|---|
National | $167.68 |
Florida | $303.64 |
Winter Garden, Florida | $247.72 |
Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Liberty Mutual generally has the most affordable car insurance in Winter Garden coming in around $100.89 per month. Other companies to consider if you live in Winter Garden is State Farm with an average cost of $134.06 per month and Mercury Insurance which typically runs around $143.46 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Winter Garden.
Rank | Company | Average Monthly Rate | Comparison State Average |
---|---|---|---|
1 | Liberty Mutual | $100.89 | -66.77% |
2 | State Farm | $134.06 | -55.85% |
3 | Mercury Insurance | $143.46 | -52.75% |
4 | Mercury | $198.99 | -34.47% |
5 | Direct Auto | $200.59 | -33.94% |
6 | Allied | $218.78 | -27.95% |
7 | Allstate | $255.06 | -16.00% |
8 | AIG | $265.39 | -12.60% |
9 | United Automobile Ins Group | $278.34 | -8.33% |
10 | Direct General Insurance | $287.62 | -5.27% |
Rates can vary from city to city. The residents of Boca Raton typically pay $338.12 per month while people who live in Fort Lauderdale will pay $373.11 per month on average. See what people pay for car insurance in other cities in Florida.
Florida Cities | Monthly Average Rate |
---|---|
Boca Raton | $338.12 |
Fort Lauderdale | $373.11 |
Fort Myers | $265.89 |
Gainesville | $248.73 |
Jacksonville | $288.07 |
Miami | $398.13 |
Naples | $243.01 |
Orlando | $319.86 |
Pensacola | $257.34 |
Pompano Beach | $375.41 |
Saint Petersburg | $253.97 |
Sarasota | $219.73 |
Tallahassee | $265.53 |
Tampa | $392.28 |
West Palm Beach | $396.51 |
Winter Garden | $247.72 |
Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Florida. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.
Winter Garden, FL ZIP Code | Average Monthly Rate |
---|---|
34787 | $248.41 |
34711 | $131.15 |
32703 | $145.42 |
Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $259.09 per month in Winter Garden. Compare that to drivers in their 30’s who typically pay around $216.60 per month drivers in their 40s at $206.25 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.
Age Group | Average Monthly Rate |
---|---|
30s | $259.09 |
60s | $177.65 |
50s | $216.60 |
70+ | $206.25 |
40s | $223.67 |
20s | $323.44 |
16-19 | $441.70 |
If you are teen in Winter Garden you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Direct Auto typically charges around $120.20 per month. This is likely the most affordable option in Winter Garden. You might also want to consider State Farm and Liberty Mutual who also offer good affordable policies for teen drivers.
Company | Average Monthly Rate |
---|---|
Direct Auto | $120.20 |
State Farm | $133.03 |
Liberty Mutual | $164.58 |
Allied | $252.08 |
Kemper Auto | Infinity | $253.79 |
20 year-olds in Winter Garden might want to consider Liberty Mutual who, on average, offers car insurance rates around $126.05 per month. Mercury Insurance , State Farm , Allied and Mercury are also in the top 5 cheapest rates available.
Company | Average Monthly Rate |
---|---|
Liberty Mutual | $126.05 |
Mercury Insurance | $159.22 |
State Farm | $170.86 |
Allied | $276.60 |
Mercury | $292.31 |
If you are in your 30s in Winter Garden our research has found that Liberty Mutual typically has the most affordable coverage coming in around $56.73 per month, followed by State Farm at $126.54 and Direct Auto at $163.10.
Company | Average Monthly Rate |
---|---|
Liberty Mutual | $56.73 |
State Farm | $126.54 |
Direct Auto | $163.10 |
Allied | $188.27 |
Mercury | $188.37 |
On average, Liberty Mutual offers car insurance for 40 year-olds in Winter Garden for around $72.14 per month. If you are looking for affordable coverage, you may also want to consider State Farm or Mercury Insurance. The full list of top companies is below.
Company | Average Monthly Rate |
---|---|
Liberty Mutual | $72.14 |
State Farm | $130.64 |
Mercury Insurance | $169.50 |
Mercury | $173.38 |
AIG | $202.39 |
Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Winter Garden we found that State Farm generally offers the most affordable coverage at $115.87 per month.
Company | Average Monthly Rate |
---|---|
State Farm | $115.87 |
Direct Auto | $120.26 |
Mercury Insurance | $125.58 |
Mercury | $148.33 |
Kemper Auto | Infinity | $154.04 |
If you live in Winter Garden and you’re in your 60s, our data indicates that State Farm usually has the best rates at $104.42 per month. The top 5 list of car insurance companies is below.
Company | Average Monthly Rate |
---|---|
State Farm | $104.42 |
Mercury Insurance | $119.83 |
Mercury | $144.24 |
Allied | $168.23 |
Kemper Auto | Infinity | $202.83 |
Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Winter Garden, the average monthly rate for a driver who is currently insured is $326.87 while drivers who are not currently covered will pay around $193.97.
Coverage | Average Monthly Rate |
---|---|
Currently Insured | $193.97 |
Not Currently Insured | $326.87 |
Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Winter Garden a driver of a 2022 Lexus IS can expect to pay around $354.02 per month while someone that owns a 2012 Toyota Camry may pay around $71.23 per month. Check out the list of recent quotes in Winter Garden below.
Vehicle | Average Monthly Rate |
---|---|
2022 Lexus IS | $354.02 |
2012 Toyota Camry | $71.23 |
2010 Nissan Frontier | $675.58 |
2016 Ford F150 | $303.58 |
2004 Hyundai Xg | $106.78 |
2021 Honda Civic | $771.17 |
2017 Nissan Rogue Sport | $352.86 |
2014 Lexus ES | $205.32 |
2017 Hyundai Veloster | $594.15 |
1996 Acura Integra | $190.27 |
What Is the Minimum Liability Coverage Requirement in Winter Garden, FL?
The minimum insurance coverage needed in Florida is $10,000 of personal injury protection (PIP) and $10,000 property damage liability (PDL). Florida drivers should also have $10,000/$20,000 bodily injury liability coverage per person/per incident, but policyholders can reject this coverage if they really want to.
Florida is a no-fault state. This means your rights are limited to sue an at-fault driver following a collision. No-fault insurance coverage can pay up to 80% of injury-related expenses and up to 60% of lost wages. It does not cover damaged property.
Although you are not legally required to carry full coverage insurance in Florida, most lenders demand this level of coverage. They may also require additional coverages. Consider this when calculating the price of your auto loan.
What Is the Blood Alcohol Concentration (BAC) limit in Winter Garden, FL?
It is illegal for individuals to operate a motor vehicle in Florida with the following BAC percentages:
DUI is also proven by impairment of normal faculties. For more information about Florida’s DUI laws, refer to Florida DUI and Administrative Suspension Laws on the Florida Department of Highway Safety and Motor Vehicles website.
What are the consequences of being convicted of a DUI?
The consequences of a DUI in Florida depend on the number of convictions, your blood alcohol level, and whether you were transporting a minor at the time of your arrest. At the very least, you will face a fine, community service, and probation. You may also receive jail time at the court’s discretion.
In addition, the long-term damage to your finances could be devastating. You may incur such expenses as higher insurance rates, attorney fees, court costs, vehicle impoundment, mandatory installation of an ignition interlock device, and others.
Check Out Other Rates in Winter Garden, FL Nearby Cities:
Commute Time in Winter Garden, FL
28 MilesCommute Time in United States
26.4 MilesNumber of Nearest Insurance Agents in Winter Garden, FL
341 Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.
Answer a few questions and let Penny find the best rates in your area.