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Cheapest car insurance in Inverness, Florida (Oct 2023)

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R.E. Fulton
Expert Insurance Writer and Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How to find the cheapest car insurance in Inverness

On average, car insurance in Inverness costs about $101 per month for minimum coverage liability insurance, and about $148 per month for full coverage insurance. Inverness drivers pay 19% more than the average rate in Florida.  
With hundreds of providers and thousands of
car insurance
products on the market, finding the right coverage—let alone the right price!—can be challenging.
Jerry
helps you compare quotes and makes finding
cheap car insurance in Florida
and Inverness quick and hassle-free! 
Quote DateInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
September 26, 2023
Safeco
$110
Oscar, 46
Zip: 34450
Hyundai Elantra SE
• State Minimum Liability
• Comp / Collision
September 22, 2023
Travelers
$187
Jay, 29
Zip: 34452
Ford Mustang GT
• 50,000/100,000 Liability
• Comp / Collision
September 20, 2023
Dairyland
$200
Roxie, 62
Zip: 34453
Hyundai Accent SE
• No Coverage Liability
• Comp / Collision
September 18, 2023
Nationwide
$79
Tillie, 87
Zip: 34450
Honda CR-V EXL
• 100,000/300,000 Liability
• Comp / Collision
September 12, 2023
Progressive
$80
Eva, 23
Zip: 34453
Nissan Sentra 2.0
• No Coverage Liability
coverageLast Updated Sep 26, 2023

How'd we get this data?

Real Insurance Agents
Jerry is one of the largest insurance agencies licensed in your state and has a team of 100+ licensed insurance agents dedicated to helping customers (7 days a week customer support).
Real Insurance Quotes
Jerry Insurance Agency works with 50+ insurance companies as their appointed broker. We are licensed in all 50 states (NPN: 18788611). Our evaluations are not influenced by insurance companies.
Real Insurance Companies
We spent over 200 hours analyzing data from 25 million+ real insurance quotes in the last year, to provide you with up-to-date insurance information.

Best Car Insurance Companies in Inverness

Looking for the cheapest car insurance rates in Inverness? Jerry conducted the largest insurance shopping survey in the nation to help figure it out.
State Farm
is often cited as the cheapest car insurance company in Florida, but some survey respondents reported that they were overcharged and their rates increased frequently. If you’re wondering who to trust among the big five in Inverness
GEICO
,
Progressive
,
Allstate
,
USAA
, and
Liberty Mutual
—here’s the truth: the most affordable insurance company is different for everyone.
You’ll need to compare rates from all of them, as well as providers like Assurance America and
Safeco
, before you can confidently name the best auto insurance provider for you. To get you started, here’s how survey respondents in Inverness rated the biggest companies on a scale of 0 to 5.
Insurance CompanyOverall RatingPriceClaims ExperienceCustomer Service
Liberty Mutual
4.6
4.2
4.7
4.5
Progressive
4.2
3.7
3.6
4.4
State Farm
4
3.3
3.7
4
Geico
3.9
3.1
3.4
4
USAA
3.9
2
N/A
4
Highlighticon

How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
rating reverse-full
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
avatar
Sean S.
Lower my car insurance too!

Best cheap car insurance quotes in Inverness

Florida’s car insurance laws
oblige drivers to carry a minimum amount of
personal injury protection (PIP)
and
property damage liability (PDL)
to legally drive. 
PIP covers you and your passengers’ medical expenses (even if you were at fault), while PDL covers the cost of repairing or replacing any property you destroyed.
When it comes to car accidents, however, the minimum coverage is rarely enough to prevent at-fault drivers from huge out-of-pocket expense. 

Cheap minimum liability insurance quotes in Inverness

You need both PIP and PDL to drive in Inverness because Florida is a
no-fault state
. Your car insurance policy must include at least $10,000 of PIP coverage and $10,000 of PDL coverage. 
If you’re looking to pay the cheapest rates, you can stop reading here. Although sticking with the minimum coverage isn’t advised (more on that later), Jerry has helped many drivers find cheap, no-frills coverage in Inverness.
Virgie (55 years old)
coverageCoverage
State Minimum
locationInverness, FL (Zip Code: 34452)
$117
per month
Oscar (46 years old)
coverageCoverage
State Minimum
locationInverness, FL (Zip Code: 34450)
$110
per month
Brent (31 years old)
coverageCoverage
State Minimum
locationInverness, FL (Zip Code: 34453)
$188
per month
Myrtie (35 years old)
coverageCoverage
State Minimum
locationInverness, FL (Zip Code: 34453)
$170
per month

Do you need more than minimum coverage in Inverness?

The state's minimum liability coverage is insufficient for most Inverness drivers.
If you cause a serious injury to somebody else in {city}, their medical bills are likely to climb far past $10,000—and because Florida doesn’t require
liability car insurance
, you could be at serious risk of a lawsuit if the other driver's PIP runs out. The same goes for PDL.
Florida’s car accident laws
allow drivers to file personal injury lawsuits up to four years after a crash, so having the right liability insurance is key. 
The bottom line: It's a good idea to consider liability coverage with higher limits for greater financial protection in case of an at-fault accident.

Cheap full coverage car insurance quotes in Inverness

Full coverage car insurance
is essential for protecting yourself from the costs associated with repairing or replacing your car. It typically includes both
collision
and
comprehensive coverage
. Collision insurance pays for damages after an accident, while comprehensive insurance pays for damages after a vandalism, theft, or natural disaster.
Your lender will usually require collision and comprehensive coverage if you finance or lease your car. And even if your vehicle is paid off, you should carry full coverage if its value exceeds $3,000.
Insurance CoverageInsurance CompanyPremium (monthly)CustomerCar
• 100,000/300,000 Liability
• Comp / Collision
Progressive
$325
Mark, 33
Zip: 34453
RAM 1500 BIG Horn/lone Star
• State Minimum Liability
• Comp / Collision
Safeco
$110
Oscar, 46
Zip: 34450
Hyundai Elantra SE
• 50,000/100,000 Liability
• Comp / Collision
Travelers
$187
Jay, 29
Zip: 34452
Ford Mustang GT
• 100,000/300,000 Liability
• Comp / Collision
Nationwide
$79
Tillie, 87
Zip: 34450
Honda CR-V EXL
coverageLast Updated Sep 30, 2023
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry,
a top insurance agency
, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.

Average cost of car insurance in Inverness

Based on our experience working with thousands of Inverness insurance policyholders, minimum liability coverage costs an average of $101 per month or $1,212 per year, while full coverage insurance costs an average of $148 per month or $1,770 per year.
Note that the type of car you drive, your driving record, claim history, and demographics all play a role in how your insurance premiums are calculated. Although the average rates in Inverness can give you an idea of the cost, the full price of your policy could vary by hundreds of dollars.

Average cost of car insurance in Inverness by zip code

Your zip code tells your car insurance provider where to send your bills, but it also hints at how likely you are to make a claim. 
How? Some zip codes are “riskier” than others, either because of a high rate of congestion, crime, or car accidents (or all three). The drivers living in these neighborhoods tend to pay more than people in other parts of Inverness.
Zip CodeAverage State Minimum Coverage RateAverage Full Coverage Rate
34450
$105
$351
34452
$143
$277

Car insurance quotes in Inverness by rating factors 

Is car insurance calculated
at random? No, even if it seems like it. Here are the five factors that determine the rates you pay for Inverness car insurance:  
  • Driving record and claims history: A history of car accidents and traffic tickets may increase your insurance premiums.
  • Vehicle location: Some ZIP codes come with higher rates.
  • Vehicle type: Sports cars, luxury cars, and high-performance cars tend to have higher collision and comprehensive coverage rates.
  • Usage: If you use your car regularly for work, your annual premium may be higher than if you use it only occasionally for pleasure.
  • Credit score: Drivers with good credit typically pay lower insurance premiums than those with bad credit for the same coverage.

How Do Different Factors Impact Your Car Insurance Costs in Inverness?

Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
Prohibited (or effectively prohibited): Florida currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Inverness:

Cheap car insurance quotes in Inverness after driving violations

Your
Florida driving record
can significantly affect your car insurance rates. High-risk drivers receive proportionally higher insurance premiums. While a conviction for running a red light, committing a DUI, or
reckless driving in Florida
makes it harder to find an affordable rate in Inverness, it’s not impossible. 

Cheapest car insurance in Inverness after speeding ticket

Florida speeding tickets
come in several different flavors, each with a different amount of driver violation points:
  • 1-5 MPH over limit: No points
  • 6-9 MPH over limit: 3 points
  • 10-14 MPH over limit: 3 points
  • 15-19 MPH over limit: 4 points
  • 20-29 MPH over limit: 4 points
  • 30 MPH or more over limit: 4 points and mandatory court appearance
The more severe the offense, the more you’ll pay for car insurance. In spite of this, Jerry has helped a number of drivers save money by finding the lowest rates in Inverness.
Speeding TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 16-20
Progressive
$225
Jeffrey, 30
Zip: 34453
Chevrolet Equinox LT
• 50,000/100,000 Liability
• Comp / Collision
Speeding 21+
Safeco
$114
Frances, 41
Zip: 34452
Hyundai Santa FE Sport
• State Minimum Liability
• Comp / Collision
coverageLast Updated Sep 27, 2023

Cheapest car insurance in Inverness after an at-fault accident

Your driving record in Florida is one of the crucial factors that affect your car insurance rates. Insurance companies look at any past accidents where you were at fault to determine the level of risk you pose to your insurer.
If you have been involved in an at-fault accident in the recent past, your car insurance rates in Inverness could significantly increase when your policy is up for renewal. It is essential to shop around and compare rates from different insurers to find the cheapest auto insurance after an at-fault accident.
Accident TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
At Fault With Injury
Mercury
$223
Francisco, 27
Zip: 34453
Chevrolet Cruze LT
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Progressive
$242
Elva, 22
Zip: 34452
Honda Accord Sport
• State Minimum Liability
• Comp / Collision
Not At Fault
Safeco
$114
Mamie, 41
Zip: 34452
Hyundai Santa FE Sport
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Travelers
$187
Micheal, 29
Zip: 34452
Ford Mustang GT
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Oct 2, 2023

Cheapest car insurance in Inverness after other driving violations

Apart from speeding tickets and DUIs, there are several other violations that can lead to an increase in car insurance costs in Inverness, including careless driving, driving without a license, and reckless driving.
We’ve compiled a list of various other driving violations and how we helped drivers with these violations save on their car insurance.
ViolationInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Careless Driving
Progressive
$298
Eunice, 45
Zip: 34450
KIA Amanti
• State Minimum Liability
Driving on Sus. License
National General
$149
Mayme, 46
Zip: 34450
Honda FIT
• No Coverage Liability
coverageLast Updated Oct 2, 2023

Cheap car insurance quotes in Inverness by age

Young drivers typically have limited driving experience and are therefore considered high-risk by insurance companies, resulting in high insurance rates. However, when drivers reach the age of 25, they may see a drop in their rates. 
On the other hand, drivers over the age of 75 may see an increase in their rates due to potential health issues and slower reflexes.

Cheapest car insurance in Inverness for young drivers

In Inverness, young drivers between the ages of 16 and 21 pay the highest insurance premiums of any age group. 
The best financial protection for young drivers is full-coverage car insurance, which provides coverage for all their mistakes while they learn the rules of the road. The cheapest car insurance for young drivers comes with a provider that offers good student or new driver discounts.
Eva (23 years old)
coverageCoverage
No Coverage
locationInverness, FL (Zip Code: 34453)
$80
per month
Lulu (21 years old)
coverageCoverage
State Minimum
locationInverness, FL (Zip Code: 34452)
$286
per month

Cheapest car insurance in Inverness for young drivers

In Inverness, young drivers between the ages of 16 and 21 pay the highest insurance premiums of any age group. 
The best financial protection for young drivers is full-coverage car insurance, which provides coverage for all their mistakes while they learn the rules of the road. The cheapest car insurance for young drivers comes with a provider that offers good student or new driver discounts.
Tillie (87 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationInverness, FL (Zip Code: 34450)
$79
per month
Alta (71 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationInverness, FL (Zip Code: 34452)
$237
per month

Cheap car insurance quotes in Inverness based on insurance history

If you've had a car insurance lapse or you're currently uninsured, it can lead to higher car insurance rates.
To help our customers avoid a lapse in coverage and make payments on time, Jerry sends payment reminders to eligible customers when a payment is due or if they're late on their payments.
We've helped many customers in Inverness who are currently uninsured or have had a lapse in coverage find affordable insurance options.
Sarah (22 years old)
coverageCoverage
State Minimum
$242
per month
Millie (23 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
$135
per month
Mamie (21 years old)
coverageCoverage
State Minimum
$299
per month

Cheap car insurance quotes in Inverness for drivers with poor credit

While your credit rating doesn't necessarily reflect your driving ability, insurance companies have found a correlation between lower credit scores and higher claim filings. Inverness drivers with poor credit scores tend to face higher car insurance costs than those with good credit scores. 
If you have a credit score of 550 or less, Jerry partners with companies that provide insurance to Inverness drivers with poor credit, taking the stress out of comparison shopping.
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
> 750
Progressive
$129
Essie, 42
Zip: 34450
Chevrolet Tahoe K1500
• 100,000/300,000 Liability
660 - 750
Bristol West
$513
Rena, 44
Zip: 34452
Toyota C-HR XLE
• 100,000/300,000 Liability
• Comp / Collision
660 - 750
Bristol West
$513
Lina, 44
Zip: 34452
Toyota C-HR XLE
• 100,000/300,000 Liability
• Comp / Collision
550 - 659
Safeco
$114
Nannie, 41
Zip: 34452
Hyundai Santa FE Sport
• State Minimum Liability
• Comp / Collision
< 550
Gainsco
$107
Kyle, 23
Zip: 34453
Nissan Sentra 2.0
• No Coverage Liability
coverageLast Updated Sep 30, 2023

How to lower car insurance costs in Inverness

1. Shop around and compare quotes

You can’t be 100% certain that you’ve found the best deal on auto insurance until you’ve compared it to the other products on the market. Experts recommend
shopping for car insurance quotes
from at least three different companies every six months.
Sounds like a huge chore—until you remember that Jerry makes the process lighting-fast! Get signed up in 45 seconds and compare five to seven quotes in less than a minute. It’s all the benefits of comparison shopping with none of the time commitment… and did we mention it’s free?

 2. Hunt for car insurance discounts

You can make an okay rate into a great one with the right
car insurance discount
. See if your provider offers a program for:
  • Good drivers. If you’ve held a
    clean driving record
    for at least three years, you’re due for some sweet discounts.
  • Installing a telematics device. Telematics devices track how far you drive, when you drive, and how you drive. If you brake often and hard, this isn’t the program for you. But if you’re a calm and mellow driver, you could reap a low rate as a reward!
  • Good students. Full-time high school and college students with a B average or better can translate their scholastic successes into savings.
  • Bundling insurance products.
    Bundle your car and home insurance
    and you could pay less for each of them.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

FAQ

People living in Inverness pay on average $101 per month – or $1,212 per year – on state-minimum liability coverage. Full coverage in Inverness costs on average $148 per month or $1,770 per year. 
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
Based on thousands of Inverness drivers Jerry has worked with, car insurance in Invernesscosts an average of $101 per month for state-minimum coverage and $148 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!  
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Progressive, Arrowhead, and AmWINS receive good ratings from Inverness drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.
The state-minimum car insurance in Inverness, Florida is $10,000 of personal injury protection coverage and $10,000 of property damage liability coverage.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our Experts

avatar
R.E. Fulton
Expert Insurance Writer and Editor
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
avatar
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
avatar
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.