Best Cheap Auto Insurance in Winter Haven, Florida (2023)

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 ($425 a 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 average monthly quote for full-coverage car insurance in Florida is $445. 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.

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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, vehicle type, and coverage preferences.

Here’s a look at some affordable Winter Haven car insurance companies and why they stand out.

Cheapest insurer for drivers with a speeding ticket: State Farm

Cheapest insurer for senior drivers: GEICO

Cheapest insurer for drivers with an accident: Allstate

Cheapest liability-only car insurance in Winter Haven

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.

Here are the cheapest companies for liability coverage in Winter Haven, Florida.

Cheapest full-coverage car insurance in Winter Haven

Liability-only coverage protects you against the financial consequences of damages and injuries you cause to others. However, 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.

The table below shows the cheapest full-coverage car insurance companies in Winter Haven.

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]

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

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

• 

  Comprehensive coverage

  This 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, this coverage bridges the gap between your auto loan balance and the insurance settlement in the event of a total loss.

• 

  Uninsured motorist coverage

  If a driver without insurance causes an accident, this coverage kicks in to pay for damages and injuries.

• 

  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.

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.^[4]

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Cheapest car insurance for drivers with a speeding ticket

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.^[4]

Here are the average monthly quotes for car insurance from the cheapest insurers in Winter Haven for drivers with a speeding ticket.

Cheapest car insurance for drivers with an at-fault accident

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.^[5] 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.^[4]

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.

Cheapest car insurance for drivers with a DUI

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. 

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.^[6]

Here are the cheapest car insurance companies in Winter Haven, Florida, for drivers with a DUI.

Cheapest car insurance for seniors

Age is an important factor in determining car insurance premiums.^[7] In general, rates tend to decline as drivers accumulate more experience, typically around the age of 35. However, when drivers reach approximately 75 years old, premiums may have a slight uptick due to factors like increased accident risks and potential health concerns.

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.

Cheapest car insurance for teens

Teen drivers frequently face higher premiums than older, more experienced drivers, mainly due to their limited time behind the wheel and increased risk factors.^[7]

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.

The table below shows the cheapest car insurance companies for teen drivers and young adults in Winter Haven.

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.

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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.^[3] 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.

Is car insurance more expensive in Winter Haven?

In the United States, the typical monthly expense for full-coverage car insurance is around $253. Winter Haven residents spend significantly more, with an average monthly premium of $425 for the same level of coverage. However, car insurance rates can significantly vary based on a city’s characteristics, such as weather conditions, crime rates, and traffic volume.^[7]

Compared to Winter Haven, Fort Myers drivers generally pay lower monthly premiums, 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. However, 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 full-coverage car insurance in other major cities across Florida compared to Winter Haven.

Winter Haven car insurance FAQs