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Cheap Auto Insurance Quotes in Valrico, 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.
Margaret Wack

By: Margaret Wack

Edited by Olivia Oksenhorn

Updated September 15, 2022

Quick Facts

  • The average cost of car insurance in Valrico is $297 per month or $3,564 annually.

  • Car insurance in Valrico is $34 less than the average cost of insurance in Florida.

  • The cheapest top car insurance provider in Valrico on average is National General.

Car Insurance in Valrico, FL

Car insurance premiums in Valrico typically cost between $79 and $415 per month on average, which is more expensive than some other cities in Florida. In order to find the most affordable car insurance in Valrico, it’s a good idea to compare car insurance quotes from different insurers.

Quotes by Top Companies

National General
$216
Progressive
$233
Travelers
$248
Dairyland
$318
Liberty Mutual
$355

See More:

Cheap Car Insurance Florida

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Cheapest Car Insurance in Valrico, FL

What is the cheapest car insurance in Valrico?

National General is the cheapest top car insurance option on average in Valrico, with rates starting at $216 per month. It’s still important to compare car insurance rates, as everyone’s situation is unique.

Car insurance rates vary depending on a variety of factors, including your insurance provider, car make, model, and year, and personal factors like your age and driving history.

Insurance CompanyAverage Monthly Quote
National General$216
Progressive$233
Travelers$248
Dairyland$318
Liberty Mutual$355
Bristol West$360
Hugo$79
AssuranceAmerica Economy$190
Direct Auto$229
GAINSCO$279
AssuranceAmerica$337
Mercury$338
Safeco$343
The General$350
Midvale Home & Auto$371
Infinity$389
Pronto$415
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.

Valrico Car Insurance Rates by Driving and Accident History

Your driving record can have a significant impact on the cost of car insurance[2], particularly if you’ve been in any accidents or received a ticket for speeding or a DUI. On the other hand, average car insurance rates tend to be lower for drivers with a clean driving record. Some insurers even offer discounts for safe driving.

Driver HistoryAverage Monthly Cost
Clean Record$310
Speeding Ticket$415
At-Fault Accident$453
DUI$617
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More:

High-Risk Car Insurance Florida

DUI Car Insurance Florida

Valrico Car Insurance Rates by Credit Tier

Your credit score can also affect your insurance rates[3]. While not all car insurance companies weigh credit scores as a factor when determining car insurance rates, many do. Drivers with good credit are likely to qualify for the best rates, while drivers with average or poor credit may be charged higher rates for their car insurance policy.

Credit TierAverage Monthly Cost
Excellent$256
Good$302
Average$332
Poor$515
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

How to Get the Cheapest Car Insurance in Valrico

If you’re a Valrico resident looking to get the cheapest auto insurance policy for your vehicle, it pays to shop around and compare rates from multiple different providers. Depending on your insurance needs, some insurers even offer discounts for safe driving or for bundling auto with homeowners or renters insurance coverage.

At Insurify, we make it easy to compare auto insurance quotes from top insurance companies in just a few minutes. Just enter your ZIP code and provide some information about yourself and your vehicle, and you’ll receive personalized quotes in under five minutes, with no sign-up required.

Frequently Asked Questions

  • The best way to find a cheap car insurance policy in Valrico is to get quotes from multiple insurers. Because car insurance rates can vary depending on your vehicle type, driving history, credit score, and other factors, the best way to ensure you get the best rates possible is to compare personalized quotes.

  • Car insurance in Valrico costs between $79 and $415 on average. Car insurance rates differ widely from person to person, so it’s a good idea to compare quotes from different companies using your own personal details.

  • Car insurance rates in Valrico, which is a suburb of Tampa, tend to be slightly higher than elsewhere in Florida. Some of the factors that can affect insurance rates include the number of drivers in a city, the rate of car accidents in a particular area, minimum coverage requirements, and local laws and regulations.

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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.

Margaret Wack
Margaret Wack
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Personal Finance Writer

Margaret Wack is a personal finance writer with a master's from St. John's College. She has written about finance and insurance topics for publications including Investopedia, Bankrate, MoneyGeek, The Simple Dollar, Money Under 30, and more. She has also written for sites like Angi, US News & World Report, ArtfulTea, and Reviews.com. Connect with Margaret on LinkedIn.

Learn More

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 June 9, 2022
  3. Official Internet Site of the Florida Legislature. "Use of credit reports and credit scores by insurers." Accessed June 9, 2022