Best Cheap Auto Insurance in Winter Springs, FL (2021)

The average Winter Springs, FL auto insurance rates are $351 per month. The minimum auto insurance in Winter Springs is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Winter Springs, Florida, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The most expensive auto insurance company in Winter Springs for teen drivers is Allstate
  • The minimum auto insurance required in Winter Springs, Florida is 10/20/10
  • The cheapest auto insurance company in Winter Springs is USAA

Winter Springs, Florida auto insurance requirements are 10/20/10 according to Florida auto insurance laws. Finding cheap auto insurance in Winter Springs can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Winter Springs, Florida, including driving record, credit, commute time, and more.

Compare auto insurance in Winter Springs to other Florida cities, including Fort Lauderdale auto insurance rates, Cape Coral auto insurance rates, and Tallahassee auto insurance rates to see how Winter Springs, Florida auto insurance rates stack up.

Before you buy Winter Springs, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Winter Springs, Florida auto insurance quotes.

Minimum Auto Insurance in Winter Springs, Florida

Winter Springs, Florida auto insurance laws require that you have at least the Florida minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Winter Springs, Florida.

Minimum Required Auto Insurance Coverage in Winter Springs, Florida

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $10,000 per person
$20,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Cheap Winter Springs, Florida Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Winter Springs, Florida are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Winter Springs, Florida

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $4,153 $3,977 $3,618 $3,678 $14,351 $15,580 $4,150 $4,214
GEICO $2,842 $2,851 $2,663 $2,663 $5,100 $6,378 $3,129 $3,163
Liberty Mutual $3,147 $3,147 $2,891 $2,891 $6,564 $10,070 $3,147 $4,240
Nationwide $2,758 $2,722 $2,465 $2,548 $6,629 $8,155 $3,036 $3,157
Progressive $3,381 $3,204 $2,921 $3,111 $9,613 $10,464 $4,086 $3,903
State Farm $1,929 $1,929 $1,753 $1,753 $5,666 $7,244 $2,143 $2,301
USAA $1,490 $1,463 $1,395 $1,380 $5,128 $5,941 $1,859 $2,003

Cheap Winter Springs, Florida Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Winter Springs, Florida is a challenge. Take a look at the annual teen auto insurance rates in Winter Springs, Florida.

Annual Auto Insurance Rates for Teen Drivers in Winter Springs, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $14,351 $15,580
GEICO $5,100 $6,378
Liberty Mutual $6,564 $10,070
Nationwide $6,629 $8,155
Progressive $9,613 $10,464
State Farm $5,666 $7,244
USAA $5,128 $5,941

Cheap Winter Springs, Florida Auto Insurance for Seniors

What are senior auto insurance rates in Winter Springs, Florida? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Winter Springs, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,618 $3,678
GEICO $2,663 $2,663
Liberty Mutual $2,891 $2,891
Nationwide $2,465 $2,548
Progressive $2,921 $3,111
State Farm $1,753 $1,753
USAA $1,395 $1,380

Cheap Winter Springs, Florida Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Winter Springs, Florida compared to the annual auto insurance rates with a clean record in Winter Springs, Florida.

Annual Winter Springs, Florida Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,790 $6,935 $7,706 $6,429
GEICO $2,493 $3,199 $4,784 $3,920
Liberty Mutual $3,270 $4,228 $6,107 $4,444
Nationwide $3,357 $3,684 $4,965 $3,729
Progressive $3,998 $5,950 $5,001 $5,392
State Farm $2,824 $3,355 $3,090 $3,090
USAA $2,016 $2,496 $3,702 $2,116

Cheap Winter Springs, Florida Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Winter Springs, Florida is not easy. Compare the annual rates for DUI auto insurance in Winter Springs, Florida to find the best deal.

Annual Auto Insurance Rates After a DUI in Winter Springs, Florida

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,706
GEICO $4,784
Liberty Mutual $6,107
Nationwide $4,965
Progressive $5,001
State Farm $3,090
USAA $3,702

Cheap Winter Springs, Florida Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Winter Springs, Florida annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Winter Springs, Florida

Insurance Company Poor Fair Good
Allstate $9,385 $5,939 $4,821
GEICO $5,263 $3,167 $2,367
Liberty Mutual $5,792 $4,269 $3,475
Nationwide $4,914 $3,615 $3,272
Progressive $6,621 $4,703 $3,932
State Farm $4,228 $2,771 $2,271
USAA $4,202 $2,055 $1,491

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Cheap Winter Springs, Florida Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Winter Springs, Florida can vary. Compare the annual cost of auto insurance by ZIP code in Winter Springs, Florida to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Winter Springs, Florida

ZIP Code Average Annual Rates
32708 $3,252

Cheap Winter Springs, Florida Auto Insurance Rates By Commute

Commute length and annual mileage affect Winter Springs, Florida auto insurance. Find the cheapest annual Winter Springs, Florida auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Winter Springs, Florida

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $6,523 $6,907
GEICO $3,582 $3,616
Liberty Mutual $4,369 $4,656
Nationwide $3,934 $3,934
Progressive $5,085 $5,085
State Farm $2,985 $3,195
USAA $2,553 $2,612

Cheap Winter Springs, Florida Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Winter Springs, Florida? Check out the comparison of annual Winter Springs, Florida auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Winter Springs, Florida

Insurance Company Low Medium High
Allstate $5,202 $7,059 $7,884
GEICO $2,946 $3,726 $4,124
Liberty Mutual $4,150 $4,577 $4,809
Nationwide $3,106 $4,090 $4,606
Progressive $4,276 $5,203 $5,777
State Farm $2,623 $3,167 $3,480
USAA $2,244 $2,670 $2,833

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Best By Category: Cheapest Auto Insurance in Winter Springs, Florida

Compare the cheapest auto insurance companies in Winter Springs, Florida in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Winter Springs, Florida

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

The Cheapest Winter Springs, Florida Auto Insurance Companies

What auto insurance companies in Winter Springs, Florida are the cheapest? Compare the top Winter Springs, Florida auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Winter Springs, Florida

Insurance Company Average Annual Rates
Allstate $6,715
GEICO $3,599
Liberty Mutual $4,512
Nationwide $3,934
Progressive $5,085
State Farm $3,090
USAA $2,583

What affects auto insurance rates in Winter Springs, Florida?

There are a lot of reasons why auto insurance rates in Winter Springs, Florida are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Winter Springs, Florida. Many local factors may affect your Winter Springs auto insurance rates.

Winter Springs Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Winter Springs, Florida auto theft statistics, there have been 19 auto thefts in the city.

Winter Springs Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Winter Springs, Florida commute length is 30.2 minutes according to City-Data.

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Compare Winter Springs, Florida Auto Insurance Quotes

Before you buy Winter Springs, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Winter Springs, Florida auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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