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 $74 per month.

Jacqueline DeMarco
Jacqueline DeMarco
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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
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Updated May 29, 2024

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Cheapest recent rates near Winter Haven, Florida

Recent Winter Haven, Florida car insurance prices for Chrysler, Toyota, Nissan , and more.

*Quotes generated for Insurify users in and around Winter Haven, Florida within the last 10 days. Last updated on May 28, 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 May 28, 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 May 28, 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 May 28, 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 ($301 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 $261. 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 $221 per month for liability and $301 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 Farm4.6$83$71Drivers with a speeding ticket
GEICO4.4$85$73Senior drivers
Allstate4.4$143$124Drivers 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.
4.6
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.
$85/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
Poncho - May 29, 2024
Verified

Poor

They need to reduce their policy prices.

Nevin - May 29, 2024
Verified

Need Better Agents

The relationship with the agent was poor.

Mindy - May 29, 2024
Verified

Brianna is very kind and helpful, she kept me from making a big mistake

Excellent service.

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.
4.4
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.
$87/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
Diana - May 29, 2024
Verified

Too Expensive!

Way too expensive.

Andrew - May 29, 2024
Verified

Too Expensive

Too expensive. $115 a month for basic liability.

Kennethkenneth - May 29, 2024
Verified

I Want Out

They are too expensive.

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.
4.4
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.
$148/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
Sandra - May 29, 2024
Verified

Discussed with Auto Insurance Supplier

It's extremely expensive, even though I have no points against my driver's license. I've never had an accident that was my fault, and I even have renters insurance included. Plus, I have great credit!

David - May 29, 2024
Verified

Upset!

I have sent numerous emails about my rates being raised and no one has gotten back to me! I am currently looking for another company.

Robert F - May 29, 2024
Verified

Upset and shocked

I'm not happy with Allstate since they raised my premium to $282 from $166 through no fault of my own. It was a woman from Delaware who rear-ended me very hard and she had no insurance at the time. I am disgusted with them.

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 $74 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.

Liability-only insurance in Winter Haven costs $221 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm74
GEICO75
Hugo79
Allstate127
Safeco135
Mile Auto136
Mercury151
Travelers152
Liberty Mutual156
Direct Auto163
Midvale Home & Auto179
Progressive187
Infinity203
Foremost216
Dairyland224
GAINSCO228
AssuranceAmerica249
Bristol West279
National General314
The General328
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 $301 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm85
GEICO87
Hugo142
Allstate148
Safeco170
Travelers176
Mercury181
Mile Auto187
GAINSCO238
Liberty Mutual260
Progressive266
Midvale Home & Auto270
Infinity271
Direct Auto284
Foremost324
National General324
AssuranceAmerica370
Dairyland396
Bristol West408
The General474
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.

How Much Other Insurify Customers Pay in and around Winter Haven, Florida

Drivers in and around Winter Haven, Florida have found policies from State Farm, Progressive, Hugo, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Winter Haven, Florida within the last 10 days. Last updated on May 28, 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 May 28, 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 May 28, 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 May 28, 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]

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 $86 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 $359 per month for full coverage and $263 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
State Farm7486
GEICO7588
Hugo7999
Allstate127149
Safeco135162
Mile Auto136173
Mercury151192
Travelers152180
Liberty Mutual156204
Direct Auto163194
Midvale Home & Auto179219
Progressive187221
Infinity203249
Foremost216283
Dairyland224265
GAINSCO228299
AssuranceAmerica249300
Bristol West279325
National General314411
The General328391
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 $388 per month for full coverage and $285 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
State Farm7493
GEICO7595
Hugo7997
Allstate127160
Safeco135165
Mile Auto136189
Mercury151203
Travelers152193
Liberty Mutual156216
Direct Auto163211
Midvale Home & Auto179239
Progressive187240
Infinity203252
Foremost216299
Dairyland224283
GAINSCO228278
AssuranceAmerica249316
Bristol West279346
National General314394
The General328423
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 $448 per month for full coverage and $329 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
State Farm74117
GEICO75119
Hugo79125
Allstate127201
Safeco135214
Mile Auto136194
Mercury151215
Travelers152241
Liberty Mutual156247
Direct Auto163258
Midvale Home & Auto179284
Progressive187296
Infinity203322
Foremost216342
Dairyland224355
GAINSCO228361
AssuranceAmerica249395
Bristol West279442
National General314498
The General328520
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: Hugo

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 $250 per month for full coverage and $184 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
State Farm6657
GEICO6960
Hugo10257
Allstate119102
Mercury137114
Safeco137109
Travelers138120
Mile Auto142104
Progressive192135
GAINSCO195186
Infinity205154
Liberty Mutual206123
Midvale Home & Auto206136
Direct Auto219126
Foremost254169
National General261253
AssuranceAmerica282190
Dairyland318180
Bristol West328224
The General389269
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 $463 per month for full coverage and $340 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
GEICO125108
State Farm133116
Hugo229128
Allstate239205
Travelers294253
Mercury305255
Safeco333265
Mile Auto337245
GAINSCO395378
Midvale Home & Auto434288
Progressive446314
Liberty Mutual450270
Infinity460345
Direct Auto481276
Foremost531354
National General561544
Dairyland612346
AssuranceAmerica638429
Bristol West641439
The General705488
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

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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 $215. Winter Haven residents spend significantly more, with an average monthly premium of $301 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 $274 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$348$264
Fort Myers$274$194
Jacksonville$287$205
Lakeland$275$193
Miami$387$283
Ocala$257$179
Orlando$306$222
Pompano Beach$345$262
Tampa$380$316
West Palm Beach$364$303
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 $221 per month for liability-only coverage and $301 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 $74. GEICO and Hugo also offer affordable coverage, with respective monthly liability rates of $75 and $79.

    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.

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