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.
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.
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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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 ($293 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 $247. 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 $293 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 Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
State Farm
9.3
$83
$71
Drivers with a speeding ticket
GEICO
9.0
$86
$73
Senior drivers
Allstate
8.9
$145
$124
Drivers 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 more than 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. The team weighted criteria 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 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: Insurify uses 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 28,000 customer reviews across 155 car insurance companies. We also consider 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 U.S., 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 scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for drivers with a speeding ticket: State Farm
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3/10
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.
$88/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
The initial representative lied to me about the price of the policy. I'm paying $30 more a month than was quoted.
Matthew - July 25, 2024
Verified
Abandoned by State Farm
It was a negative experience. After 15 years with the company, I was dismissed due to two car accidents on my record, both of which had been previously reported as not my fault. They refused to communicate with me afterwards. I would advise others to consider this before choosing State Farm.
Janet - July 25, 2024
Verified
Too High
I have had State Farm for 5 years and have been very happy until this last renewal. My full coverage insurance jumped up by $400. This is why I keep looking for cheaper insurance.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0/10
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.
$91/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.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.9/10
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.
$153/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.
Extreme Increase without Warning for Veteran and Professional Driver
There was no warning or reason for the extreme increase in price within one year. There was no warning, no options to change to, and no contact from anyone. Just a new bill with a huge increase. As a veteran and a professional driver who takes the defensive driver's course every year, there is absolutely no reason for the increase.
Justo - July 24, 2024
Verified
Unreasonable Price
To me, everything is okay with Allstate except for the price of coverage.
Debra - July 24, 2024
Verified
Your prices are way too high. You need to cut it
I think your coverage for a single vehicle policy is too high.
…
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.
Choose a safe vehicle. High safety scores and safety equipment can qualify vehicles for safety-related insurance discounts.
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 $75 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. Generally, liability-only policies work best for drivers with older, less-expensive vehicles that are paid off.
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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
$75
GEICO
$77
Hugo
$81
Mile Auto
$130
Allstate
$131
Safeco
$147
Travelers
$155
Mercury
$156
Liberty Mutual
$162
Direct Auto
$167
Midvale Home & Auto
$190
Progressive
$194
Infinity
$201
Foremost
$222
Dairyland
$231
GAINSCO
$233
AssuranceAmerica
$259
Bristol West
$277
National General
$314
The General
$333
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. Although it's more expensive than liability-only coverage, 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. If you finance or lease your vehicle, your lender or leasing company will require you to buy full coverage to protect their investment in your car.
Full-coverage policies in Winter Haven cost $293 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
$88
GEICO
$91
Allstate
$153
Safeco
$177
Mile Auto
$181
Travelers
$182
Mercury
$188
GAINSCO
$259
Hugo
$271
Liberty Mutual
$273
Progressive
$274
Infinity
$279
Midvale Home & Auto
$285
Direct Auto
$301
National General
$326
Foremost
$336
Dairyland
$406
AssuranceAmerica
$411
Bristol West
$411
The General
$481
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.
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]
Coverage
Minimum 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:
Collision coverage
Collision insurance protects your vehicle from damages resulting from collisions with other vehicles or objects, regardless of fault.
Comprehensive coverage
Comprehensive insurance ensures coverage for theft and damages from incidents other than collisions, including fire, vandalism, theft, falling objects, and natural disasters.
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.
This includes coverage for windshield and glass damage, with certain policies offering no-deductible coverage for side windows, rear windows, and glass sunroofs.
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 $87 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 $351 per month for full coverage and $241 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
State Farm
$75
$88
GEICO
$77
$91
Hugo
$81
$102
Mile Auto
$130
$164
Allstate
$131
$155
Safeco
$147
$177
Travelers
$155
$185
Mercury
$156
$199
Liberty Mutual
$162
$212
Direct Auto
$167
$198
Midvale Home & Auto
$190
$234
Progressive
$194
$231
Infinity
$201
$249
Foremost
$222
$291
Dairyland
$231
$275
GAINSCO
$233
$305
AssuranceAmerica
$259
$313
Bristol West
$277
$327
National General
$314
$371
The General
$333
$400
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 $385 per month for full coverage and $264 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Accident
State Farm
$75
$95
GEICO
$77
$99
Hugo
$81
$100
Mile Auto
$130
$179
Allstate
$131
$168
Safeco
$147
$183
Travelers
$155
$200
Mercury
$156
$212
Liberty Mutual
$162
$227
Direct Auto
$167
$219
Midvale Home & Auto
$190
$258
Progressive
$194
$252
Infinity
$201
$254
Foremost
$222
$311
Dairyland
$231
$295
GAINSCO
$233
$286
AssuranceAmerica
$259
$331
Bristol West
$277
$350
National General
$314
$405
The General
$333
$434
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: Hugo
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 $443 per month for full coverage and $304 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With DUI
State Farm
$75
$120
GEICO
$77
$123
Hugo
$81
$114
Mile Auto
$130
$185
Allstate
$131
$209
Safeco
$147
$235
Travelers
$155
$248
Mercury
$156
$224
Liberty Mutual
$162
$259
Direct Auto
$167
$267
Midvale Home & Auto
$190
$304
Progressive
$194
$310
Infinity
$201
$321
Foremost
$222
$355
Dairyland
$231
$369
GAINSCO
$233
$373
AssuranceAmerica
$259
$414
Bristol West
$277
$443
National General
$314
$502
The General
$333
$532
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 25. 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 $239 per month for full coverage and $164 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Full Coverage
Liability Only
State Farm
$68
$58
GEICO
$72
$61
Allstate
$122
$105
Mile Auto
$136
$98
Mercury
$142
$118
Travelers
$142
$121
Safeco
$144
$120
Hugo
$193
$58
Progressive
$195
$138
Infinity
$209
$151
GAINSCO
$213
$192
Midvale Home & Auto
$217
$145
Liberty Mutual
$219
$130
Direct Auto
$232
$129
National General
$253
$244
Foremost
$261
$173
AssuranceAmerica
$309
$195
Dairyland
$323
$184
Bristol West
$327
$221
The General
$390
$270
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, maintaining good academic performance to qualify for a good student discount, and completing an approved driver education course can also help save teens money.
Teen drivers in Winter Haven pay an average of $458 per month for full coverage and $314 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Full Coverage
Liability Only
GEICO
$133
$113
State Farm
$139
$119
Allstate
$251
$215
Travelers
$307
$262
Mercury
$320
$265
Mile Auto
$331
$238
Safeco
$346
$288
GAINSCO
$430
$387
Hugo
$441
$132
Midvale Home & Auto
$459
$306
Progressive
$463
$328
Liberty Mutual
$470
$279
Infinity
$480
$346
Direct Auto
$514
$285
Foremost
$558
$369
National General
$592
$570
Dairyland
$631
$359
Bristol West
$653
$440
AssuranceAmerica
$716
$451
The General
$722
$500
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.
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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 $214. Winter Haven residents spend significantly more, with an average monthly premium of $293 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 $250 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.
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 $293 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 $75. GEICO and Hugo also offer affordable coverage, with respective monthly liability rates of $77 and $81.
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.
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.
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.
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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