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 $68 per month.

Jacqueline DeMarco
Jacqueline DeMarco
  • 13+ years writing insurance and personal finance content

  • Insurance, lending, and retirement expert

Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.

Featured in

media logomedia logo
Courtney Mikulski
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.

Featured in

media logomedia logo

Updated April 28, 2024

Save up to $717 by comparing quotes from the top 100+ insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers
Advertiser Disclosure

At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

Cheapest recent rates near Winter Haven, Florida

Drivers using Insurify have found quotes as cheap as $47/mo for liability only and $81/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 April 25, 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 April 25, 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 April 25, 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 April 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 ($306 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 $253. 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 Hugo have the cheapest car insurance in Winter Haven.

  • Winter Haven’s average cost for insurance is $201 per month for liability and $306 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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
State Farm4.5$81$70Drivers with a speeding ticket
GEICO4.2$83$72Senior drivers
Allstate4.2$140$122Drivers 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 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for drivers with a speeding ticket: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
A.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++
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.
$79/mo

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

Read our State Farm review
Walters - April 25, 2024
Verified

Good

I had a good relationship with them until my bank messed up. I didn't receive the cancellation notice until it was already too late.

Wanda Carole - April 22, 2024
Verified

Excellent

Check out other companies and their rates before making a decision.

Perry - April 22, 2024
Verified

Pricing

Be careful of the price quoted. It can change.

Best insurer for senior drivers: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
A.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++
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.
$81/mo

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

Read our GEICO review
Elizabeth - April 25, 2024
Verified

Excellent

It has always been great.

Andrew - April 24, 2024
Verified

AI-Run, Money-Hungry Company

The customer service is poor and very unprofessional. It's impossible to speak to an agent.

Betty - April 23, 2024
Verified

Unexpected Increase in Premium

Everything was very good until I purchased a new car and my insurance premium skyrocketed!

Best insurer for drivers with an accident: Allstate

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
A.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-
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.
$137/mo

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

Read our Allstate review
Carolyn - April 24, 2024
Verified

Change in Agency, Considering Switch

I've been with Allstate at the Welsh agency for the past 5 years and the service has been very good. However, since the retirement of my agent, I haven't had the same personal experience with the Carlisle agency and am considering switching to another company.

James - April 23, 2024
Verified

Recommend Allstate

Other than continually raising my rate, I consider them very good.

James - April 22, 2024
Verified

Good

Very good but expensive.

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.

  • 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 $68 per month

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

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.

Liability-only insurance in Winter Haven costs $201 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: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm68
GEICO70
Hugo76
Allstate119
Safeco130
Mile Auto132
Travelers141
Mercury147
Liberty Mutual155
Direct Auto158
Midvale Home & Auto176
Progressive179
Infinity201
Foremost211
Dairyland213
AssuranceAmerica233
Bristol West276
National General307
The General315
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. Alternatively, 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. Full-coverage policies in Winter Haven cost $306 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: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm79
GEICO81
Hugo86
Allstate137
Travelers165
Mercury173
Safeco178
Mile Auto184
GAINSCO216
Infinity234
Liberty Mutual237
Midvale Home & Auto253
Direct Auto254
Progressive254
National General309
Foremost310
AssuranceAmerica318
Dairyland380
Bristol West394
The General448
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.

Estimate your Winter Haven car insurance costs

Select discounts that apply to you
Save 25%
Save 4%
Save 19%
Save 38%
Age
Credit Score
Are you insured
Your estimated deal

*Estimate based on a market average of rates provided to other users like you.

Select discounts that apply to you

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]

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance protects your vehicle from damages resulting from collisions with other vehicles or objects, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance ensures coverage for theft and damages from incidents other than collisions, including fire, vandalism, theft, falling objects, and natural disasters.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    If a driver without insurance causes an accident, uninsured/underinsured motorist coverage kicks in to pay for damages and injuries.

  • illustration card https://a.storyblok.com/f/162273/x/73ee7a876e/repair.svg

    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? (2024)

How Much Car Insurance Do You Need? (2024)

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 $77 for drivers with an incident

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

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 $363 per month for full coverage and $238 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: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
State Farm6878
GEICO7081
Hugo7699
Allstate119138
Safeco130166
Mile Auto132172
Travelers141167
Mercury147200
Liberty Mutual155196
Direct Auto158190
Progressive179218
Infinity201242
Dairyland213257
AssuranceAmerica233291
Bristol West276328
National General307360
The General315382
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 $391 per month for full coverage and $257 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: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
State Farm6884
GEICO7088
Hugo7696
Allstate119149
Safeco130179
Mile Auto132186
Travelers141179
Mercury147213
Liberty Mutual155210
Direct Auto158205
Progressive179234
Infinity201241
Dairyland213274
AssuranceAmerica233306
Bristol West276346
National General307393
The General315410
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 $452 per month for full coverage and $297 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: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
State Farm68103
GEICO70106
Hugo76105
Allstate119180
Safeco130197
Mile Auto132208
Travelers141213
Mercury147229
Liberty Mutual155235
Direct Auto158239
Progressive179271
Infinity201304
Foremost211319
Dairyland213322
AssuranceAmerica233353
Bristol West276418
National General307465
The General315477
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 35. 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 $256 per month for full coverage and $168 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: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
State Farm6253
GEICO6556
Allstate11197
Travelers131112
Mercury142121
Mile Auto142102
Safeco152111
Progressive185130
Liberty Mutual196128
Direct Auto198123
AssuranceAmerica239175
National General252251
Dairyland310174
Bristol West319223
The General369259
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 and maintaining good academic performance to qualify for a good student discount can also help in finding the most affordable option.

Teen drivers in Winter Haven pay an average of $469 per month for full coverage and $308 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: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
GEICO118102
State Farm126108
Hugo145128
Allstate224195
Travelers278237
Mercury297252
Safeco297217
Mile Auto332239
Infinity365314
Liberty Mutual371243
Progressive426300
Direct Auto433269
Foremost516351
National General550546
Dairyland571320
AssuranceAmerica573420
Bristol West608426
The General663466
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.

Find Car Insurance in Winter Haven, FL

Check quotes from 100+ top insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

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 $213. Winter Haven residents spend significantly more, with an average monthly premium of $306 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 $266 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.

CityFull CoverageLiability Only
Fort Lauderdale$340$256
Fort Myers$266$190
Jacksonville$301$202
Lakeland$293$193
Miami$363$272
Ocala$260$178
Orlando$312$221
Pompano Beach$358$253
Tampa$373$310
West Palm Beach$368$300
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 $201 per month for liability-only coverage and $306 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 $68. GEICO and Hugo also offer affordable coverage, with respective monthly liability rates of $70 and $76.

    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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Florida Department of Highway Safety and Motor Vehicles. "Annual Uniform Traffic Citation Report."
  2. Florida Department of Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
  3. III. "Do auto insurance premiums go up after a claim?."
  4. Florida Highway Safety and Motor Vehicles. "Traffic Crash Facts Annual Report 2021."
  5. Florida Department of Highway Safety and Motor Vehicles. "DUI Frequently Asked Questions."
  6. III. "What determines the price of an auto insurance policy?."
  7. The Florida Senate. "626.9741 Use of credit reports and credit scores by insurers."
  8. Nolo. "How Car Accident Laws Work in Florida."
Jacqueline DeMarco
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 Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
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.

Featured in

media logomedia logo

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Latest Articles

View all