Cheapest Auto Insurance in Winter Haven, Florida (2025)
For the cheapest car insurance in the city, look to State Farm, with a liability rate of $97 per month.
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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 ($213 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 $188. 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, Mile Auto, and GEICO have the cheapest car insurance in Winter Haven.
Winter Haven’s average cost for insurance is $164 per month for liability and $213 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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 55,000 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
Best insurer for senior drivers: GEICO
Best insurer for drivers with an accident: Allstate
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.
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 $164 per month, on average.
Here are the cheapest companies for liability coverage in Winter Haven, Florida.
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 $213 per month, on average.
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:
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
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.4 The average cost of car insurance for drivers with a speeding ticket in Winter Haven is $285 per month for full coverage and $220 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.
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 2021.5 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
The average that drivers with an accident pay in Winter Haven is $264 per month for full coverage and $203 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.
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 $277 per month for full coverage and $213 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.6
Here are the cheapest car insurance companies in Winter Haven, Florida, for drivers with a DUI.
Cheapest car insurance for seniors: State Farm
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 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 $188 per month for full coverage and $145 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.
Cheapest car insurance for teens: State Farm
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, 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 $366 per month for full coverage and $282 for liability only.
The table below shows the cheapest car insurance companies for teen drivers and young adults in Winter Haven.
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 $182. Winter Haven residents spend significantly more, with an average monthly premium of $213 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.7
Compared to Winter Haven, Fort Myers drivers generally pay lower monthly premiums for full coverage (at $206 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 500+ 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 $164 per month for liability-only coverage and $213 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 $97. Mile Auto and GEICO also offer affordable coverage, with respective monthly liability rates of $116 and $146.
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.7 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.
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