On average, car insurance in Mims costs about $134 per month for minimum coverage liability insurance, and about $148 per month for full coverage insurance. Mims drivers pay 26% 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 Mims quick and hassle-free!

Quote Date	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
September 20, 2023	Infinity	$172	Stephen, 40 Zip: 32754	Ford Taurus Police Interceptor	• No Coverage Liability
September 17, 2023	The General	$336	Bruce, 28 Zip: 32754	Dodge Dart SE	• State Minimum Liability • Comp / Collision
September 17, 2023	Mercury	$152	Lester, 33 Zip: 32754	KIA Sorento EX	• 100,000/300,000 Liability • Comp / Collision
September 16, 2023	Progressive	$110	Amanda, 44 Zip: 32754	KIA Optima SX	• No Coverage Liability
September 10, 2023	Dairyland	$342	Lizzie, 18 Zip: 32754	Ford F150 Supercrew	• No Coverage Liability • Comp / Collision

Last Updated Sep 27, 2023

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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 Mims

Looking for the cheapest car insurance rates in Mims? 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 Mims—

, and

—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 Mims rated the biggest companies on a scale of 0 to 5.

Insurance Company	Overall Rating	Price	Claims Experience	Customer 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

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.

"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!"

Sean S.

Lower my car insurance too!

Best cheap car insurance quotes in Mims

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 Mims

You need both PIP and PDL to drive in Mims 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 Mims.

Progressive

Mildred (30 years old)

Coverage

State Minimum

Mims, FL (Zip Code: 32754)

Chrysler Sebring Touring

$142

per month

Bristol West

Clayton (40 years old)

Coverage

State Minimum

Mims, FL (Zip Code: 32754)

Ford Taurus Police Interceptor

$146

per month

Infinity

Lida (33 years old)

Coverage

State Minimum

Mims, FL (Zip Code: 32754)

KIA Sorento

$134

per month

Do you need more than minimum coverage in Mims?

The state's minimum liability coverage is insufficient for most Mims 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 Mims

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 Coverage	Insurance Company	Premium (monthly)	Customer	Car
• No Coverage Liability • Comp / Collision	Progressive	$153	James, 22 Zip: 32754	Nissan Versa S
• 100,000/300,000 Liability • Comp / Collision	Safeco	$138	Eric, 62 Zip: 32754	Ford F450 Super Duty
• 100,000/300,000 Liability • Comp / Collision	Mercury	$152	Lester, 33 Zip: 32754	KIA Sorento EX
• State Minimum Liability • Comp / Collision	Assurance America	$310	Charlotte, 61 Zip: 32754	Lincoln MKT

Last Updated Sep 21, 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 Mims

Based on our experience working with thousands of Mims insurance policyholders, minimum liability coverage costs an average of $134 per month or $1,612 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 Mims can give you an idea of the cost, the full price of your policy could vary by hundreds of dollars.

Compare car insurance costs in other states

Georgia car insurance

South Carolina car insurance

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Mississippi car insurance

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Louisiana car insurance

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Car insurance quotes in Mims 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 Mims 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 Mims?

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 Mims:

Cheap car insurance quotes in Mims 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 Mims, it’s not impossible.

Cheapest car insurance in Mims 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 Mims 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 Type	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
At Fault With No Injury	Progressive	$142	Mollie, 30 Zip: 32754	Chrysler Sebring Touring	• State Minimum Liability
Not At Fault	Mercury	$365	Robert, 35 Zip: 32754	Nissan Altima SR	• 100,000/300,000 Liability • Comp / Collision
At Fault With No Injury	National General	$157	Erik, 43 Zip: 32754	Toyota Corolla CE	• 15,000/30,000 Liability

Last Updated Sep 21, 2023

Cheapest car insurance in Mims 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 Mims, 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.

Violation	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Failure to Stop	Progressive	$272	Ricky, 33 Zip: 32754	Nissan Sentra S	• State Minimum Liability • Comp / Collision
Driving on Sus. License	Infinity	$172	Francis, 40 Zip: 32754	Ford Taurus Police Interceptor	• No Coverage Liability
Failure to Stop	Gainsco	$212	Juan, 33 Zip: 32754	Nissan Sentra S	• State Minimum Liability • Comp / Collision

Last Updated Sep 24, 2023

Cheap car insurance quotes in Mims 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 Mims for young drivers

In Mims, 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.

Bristol West

Georgie (22 years old)

Coverage

No Coverage

Mims, FL (Zip Code: 32754)

Nissan Versa S

$255

per month

Dairyland

Lizzie (18 years old)

Coverage

No Coverage

Mims, FL (Zip Code: 32754)

Ford F150 Supercrew

$342

per month

Cheap car insurance quotes in Mims 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 Mims who are currently uninsured or have had a lapse in coverage find affordable insurance options.

Progressive

Evelyn (22 years old)

Coverage

State Minimum

Mims, FL

Nissan Versa S

$202

per month

Dairyland

Antonio (18 years old)

Coverage

No Coverage

Mims, FL

Ford F150 Supercrew

$342

per month

Over 4,000,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:

Jerry makes it all easy!

Clemente

I got a great price.

Wendy

Very happy with National Generals service. Was skeptical at first but they are great!

Jessica

I searched for good car insurance and Progressive was the best deal I could find by far!

Alyssa

Cheap car insurance quotes in Mims 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. Mims 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 Mims drivers with poor credit, taking the stress out of comparison shopping.

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
660 - 750	Progressive	$153	Carrie, 22 Zip: 32754	Nissan Versa S	• No Coverage Liability • Comp / Collision
660 - 750	Infinity	$441	Norman, 22 Zip: 32754	Nissan Versa S	• State Minimum Liability • Comp / Collision
550 - 659	Gainsco	$212	Blanche, 33 Zip: 32754	Nissan Sentra S	• State Minimum Liability • Comp / Collision
< 550	Infinity	$172	Juan, 40 Zip: 32754	Ford Taurus Police Interceptor	• No Coverage Liability

Last Updated Sep 26, 2023

Cheap car insurance quotes in Mims for popular cars

If you want to save on car insurance, avoid sports cars, luxury SUVs, and high-performance models. These vehicles might be beautifully-made, but they cost a ton to repair, and thus insure.

Insurance companies look at a vehicle’s cost of repairs and replacements, likelihood of theft, and safety ratings when determining its insurance premiums. Here are the top five picks of Mims drivers that perform well in all three categories:

MORE:

How different kinds of cars affect your car insurance rates

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Nissan Altima SR	Mercury	$365	Jesus, 35 Zip: 32754	• 100,000/300,000 Liability • Comp / Collision

Last Updated Sep 22, 2023

Cheapest car insurance in Mims for new vs. old car

It usually costs more to insure a new car in Mims than an older one. According to our research, the average cost of full coverage insurance for a car over 10 years old is $134 per year. However, the average cost for insuring a car less than 4 years old increases to $148 per year.

Progressive

Amanda (44 years old)

2013 KIA Optima SX

Coverage

No Coverage

Mims, FL (Zip Code: 32754)

$110

per month

Bristol West

Georgie (22 years old)

2019 Nissan Versa S

Coverage

No Coverage

Mims, FL (Zip Code: 32754)

$255

per month

Infinity

Stephen (40 years old)

2013 Ford Taurus Police Interceptor

Coverage

No Coverage

Mims, FL (Zip Code: 32754)

$172

per month

Assurance America

Charlotte (61 years old)

2014 Lincoln MKT

Coverage

State Minimum

Mims, FL (Zip Code: 32754)

$310

per month

The General

Lydia (28 years old)

2015 Dodge Dart SE

Coverage

Mims, FL (Zip Code: 32754)

$336

per month

How to lower car insurance costs in Mims

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?

MORE:

How do I get multiple car insurance quotes at once?

Compare car insurance quotes now

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.

MORE:

How to choose a car insurance deductible

FAQ

How much is car- insurance in Mims?

People living in Mims pay on average $134 per month – or $1,612 per year – on state-minimum liability coverage. Full coverage in Mims 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.

What is the cheapest car insurance in Mims?

Based on thousands of Mims drivers Jerry has worked with, car insurance in Mimscosts an average of $134 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!

What is the best car insurance in Mims?

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 Mims 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.

What is the minimum car insurance in Mims, Florida?

The state-minimum car insurance in Mims, 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

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.

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.

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.