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Cheap Auto Insurance Quotes in Altamonte Springs, FL, for September 2022

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Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.
Maria Sanchez

By: Maria Sanchez

Edited by Danny Smith

Updated September 15, 2022

Quick Facts

  • The average cost of car insurance in Altamonte Springs is $245/mo. or $2,940 annually.

  • Car insurance in Altamonte Springs is $86 less than the average monthly cost in Florida.

  • The cheapest top car insurer in Altamonte Springs on average is Progressive.

Car Insurance in Altamonte Springs, FL

On average, car insurance in Altamonte Springs costs $245 monthly, but this amount varies based on a number of things, like your insurance needs and the company you buy from. There are a lot of ways to get a policy to fit your budget without having to skimp on the auto insurance coverage you need, and one of those ways is comparing car insurance quotes online.

Quotes by Top Companies

Progressive
$215
Travelers
$235
National General
$245
Liberty Mutual
$274
Dairyland
$290

See More:

Cheap Car Insurance Florida

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Cheapest Car Insurance in Altamonte Springs, FL

What is the cheapest car insurance in Altamonte Springs?

Progressive is the cheapest top car insurance provider on average in Altamonte Springs, with rates starting at $215 per month. It’s still vital to compare car insurance rates since everyone’s situation is unique.

You don’t necessarily need to buy from a big brand name to get a high-quality policy. There are plenty of smaller and local insurance agencies and companies that offer the coverage you need at a price you can afford. See the table below for the average monthly rates from providers in Altamonte Springs.

Insurance CompanyAverage Monthly Quote
Progressive$215
Travelers$235
National General$245
Liberty Mutual$274
Dairyland$290
Hugo$66
AssuranceAmerica Economy$151
Direct Auto$188
Pronto$239
Safeco$242
AssuranceAmerica$243
GAINSCO$245
Bristol West$293
Mercury$300
Midvale Home & Auto$305
The General$315
Infinity$326
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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Minimum Car Insurance Requirements in Florida

All motor vehicles operated or parked on Florida roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement

  • Renewing vehicle registration

  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Florida[1] are:

  • $10,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident. Florida is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.

  • $10,000 per accident for PIP

Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

Altamonte Springs Car Insurance Rates by Driving and Accident History

There are a lot of reasons you might find your rates or premiums higher than usual. One of the biggest factors that affect how much you pay for your insurance policy is your driving history[2]. Everyone has a unique driving record that impacts costs. If yours is full of violations like car accidents, speeding tickets, and other violations, chances are that you’ll end up paying more.

Driver HistoryAverage Monthly Cost
Clean Record$256
Speeding Ticket$343
At-Fault Accident$374
DUI$509
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More:

High-Risk Car Insurance Florida

DUI Car Insurance Florida

Altamonte Springs Car Insurance Rates by Credit Tier

Another reason you might see rates higher than average is your credit score. While some states have outlawed using this to impact the cost of insurance products, Florida still uses it to judge things like your financial health and level of responsibility[3]. People with a higher score tend to benefit and are rewarded with cheaper costs, while those with poor credit see the opposite.

Credit TierAverage Monthly Cost
Excellent$216
Good$256
Average$281
Poor$436
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

How to Get the Cheapest Car Insurance in Altamonte Springs

If you want to save on your monthly bill, you can try bundling your auto insurance with other policies you already own, like renters insurance, homeowners insurance, life insurance, and more. You could also cut out extra add-ons to save, as well as look around for eligible discounts, like having multiple drivers on your policy or reduced rates for students.

You can get the protection you need at a price you can afford when you shop around. No one should have to skimp on necessary coverage like increased accessibility, medical payments, or protection against vandalism just to save money. Insurify can help you compare rates easily and without ever having to dial a phone number to speak with an insurance agent.

Frequently Asked Questions

  • Shopping around can help you find a cheap policy. Insurify does all the hard work so that you can compare car insurance quotes in just a few minutes. It shouldn’t cost an arm and a leg to get the coverage you need. We can help you compare rates side by side so you can drive down Douglas Ave with the peace of mind that you and your loved ones are safe on the road.

  • The average cost of car insurance in Altamonte Springs is $245 per month. If this number looks out of your budget, don’t worry; this number isn’t one-size-fits-all. Every person will pay a different amount based on a lot of factors, like the type of car you drive, your unique driving history, and even your age. Remember this when you shop around.

  • There are a lot of different reasons you might see your rates be higher than the average. One of the biggest ones is your driving record. When insurance companies see a long list of collisions, claims, and tickets, they see you as a high-risk driver who could cost them a lot of money. Being a cautious driver is one of the easiest ways to get low rates and earn big savings.

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Maria Sanchez
Maria Sanchez

Insurance Writer

Maria Sanchez is a personal finance writer specializing in auto, home, and renters insurance. With a special interest in educational content, Maria distills complex financial information to be more accessible to the greater public. She holds degrees from the University of Massachusetts and the London School of Economics.

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Sources

  1. Florida Highway Safety and Motor Vehicles. "State Minimum Car Insurance Requirements." Accessed May 28, 2022
  2. State of Florida.com. "Florida Driving Records: What's Inside and How to Get a Copy." Accessed July 28, 2022
  3. Official Internet Site of the Florida Legislature. "Use of credit reports and credit scores by insurers." Accessed July 28, 2022