Finding The Cheapest Auto Insurance In 84115 Zip Code

The cost of car insurance is rising, but there are ways to find an affordable policy that meets your coverage needs. The cheapest car insurance rates in the U.S. start at $38 per month from USAA, according to MarketWatch's research team's cost analysis of 97 companies nationwide. The cheapest car insurance in Florida has historically been among the most expensive in the country, with the state's high insurance costs due to a variety of factors, including more traffic fatalities and uninsured drivers than most states.

The average cost of car insurance in Florida has risen by almost $160 in 2023 over the previous year, and drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. In Florida, drivers with clean driving records may want to consider State Farm, which has the cheapest average rates for full coverage, and Geico, which has the cheapest average rates for minimum coverage.

Cheapest car insurance companies

• USAA: Offers the cheapest car insurance rates in the US, starting at $38 per month. However, it is only available to military members, veterans, and their families.
• Central Insurance: The second cheapest option, with rates starting at $42 per month.
• Travelers: The third cheapest option, with rates starting at $52 per month.
• Auto-Owners: The fourth cheapest option, with rates starting at $53 per month.
• Country Financial: The fifth cheapest option, with rates starting at $54 per month.
• Erie Insurance: Erie Insurance is the cheapest midsize car insurance company, with full coverage rates averaging $106 per month.
• Geico: Offers the cheapest full coverage in Florida, with an average rate of $1,654 per year.
• State Farm: State Farm has the cheapest car insurance for most drivers, at $124 for full coverage and $50 per month for liability-only coverage.

Cheapest car insurance by state

The cost of car insurance varies from state to state, and there are a number of factors that can affect the price of your insurance. The cheapest car insurance rates start at $38 per month from USAA, according to a cost analysis of 97 companies nationwide.

The cheapest car insurance companies in the US among both national and regional insurers are:

• USAA
• Central Insurance
• Travelers
• Auto-Owners
• Country Financial

However, USAA is only available to military members, veterans and their families.

State Farm is the cheapest major insurance company in 24 states for full coverage. If you can't get USAA, they are the next best option.

Erie is the cheapest midsize car insurance company, with full coverage rates averaging $106 per month.

According to the Bureau of Labor Statistics' consumer price index, the total cost of motor vehicle insurance increased by about 52% between the first halves of 2020 and 2024.

How to Get the Cheapest Car Insurance

• Determine your needs before you buy
• Review your coverage regularly
• Gather quotes from multiple providers
• Improve your credit score
• Take advantage of discounts and incentives
• Choose a cheaper vehicle to insure

Cheapest car insurance by coverage

The cost of car insurance varies depending on the type of coverage you choose. Here is a breakdown of the cheapest options for both state minimum and full-coverage car insurance:

Cheapest Liability-Only Car Insurance

USAA offers the cheapest minimum liability car insurance at 46% below the national average for drivers with military affiliations. For those without military ties, Geico is the most affordable option.

Cheapest Full-Coverage Car Insurance

Travelers is the cheapest option for full-coverage car insurance, with rates that are around 37% cheaper than the national average.

Cheapest car insurance by age

The cost of car insurance varies depending on the driver's age. Here is a breakdown of the cheapest car insurance options for different age groups:

Young drivers (16 to 25 years old)

For young drivers who are enlisted, veterans, or family members of someone who served in the military, USAA offers the best rates. Otherwise, Travelers is the cheapest option for this age group.

Adults (35 to 55 years old)

USAA offers the cheapest minimum-liability car insurance for military members, while Geico provides the best rates for all other adult drivers. For full coverage, Travelers is the most affordable option.

Seniors (65 to 75 years old)

USAA offers the best rates for seniors with military affiliations. For those without military ties, Travelers provides the lowest prices.

Cheapest car insurance by driver profile

The cost of car insurance varies depending on the driver's age, driving history, and other factors. Here is a breakdown of the cheapest car insurance options for different driver profiles:

• Young drivers (16-25 years old): Farm Bureau offers the most affordable insurance for teens, with liability-only coverage costing around $131 per month. State Farm is the cheapest option for full coverage, with rates of about $344 per month for an 18-year-old.
• Adults (35-55 years old): For adults, USAA offers the cheapest rates for military-affiliated drivers, starting at $38 per month. For non-military adults, Geico is the most affordable option, with rates starting at $52 per month.
• Senior drivers (65-75 years old): USAA is the cheapest option for senior drivers with military ties, while Travelers offers the lowest rates for those without military affiliations.
• Drivers with a speeding ticket: State Farm has the most affordable rates for drivers with a speeding ticket, with full coverage costing around $135 per month.
• Drivers with an accident on record: State Farm is also the cheapest option for drivers who have caused an accident, with full coverage rates of about $154 per month.
• Drivers with a DUI: Progressive offers the cheapest DUI insurance, with full coverage costing around $212 per month.
• Drivers with poor credit: Geico has the best rates for drivers with poor credit, with full coverage costing approximately $258 per month.

Frequently asked questions