On average, car insurance in Trinity costs about $121 per month for minimum coverage liability insurance, and about $148 per month for full coverage insurance. Trinity drivers pay 3% less 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 Trinity quick and hassle-free!

Quote Date	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
September 22, 2023	Safeco	$299	Jeffery, 32 Zip: 34655	Nissan Frontier S	• 100,000/300,000 Liability • Comp / Collision
September 18, 2023	National General	$214	Antonio, 41 Zip: 34655	Nissan Rogue Select S	• State Minimum Liability • Comp / Collision
September 6, 2023	Dairyland	$93	Virgie, 32 Zip: 34655	BMW i3 REX	• State Minimum Liability

Last Updated Sep 22, 2023

Compare car insurance quotes now

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 Trinity

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

, 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 Trinity 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 Trinity

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 Trinity

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

Progressive

Lucas (28 years old)

Coverage

State Minimum

Trinity, FL (Zip Code: 34655)

Infiniti G35

$148

per month

Mercury

Lura (41 years old)

Coverage

State Minimum

Trinity, FL (Zip Code: 34655)

Nissan Rogue Select S

$180

per month

Do you need more than minimum coverage in Trinity?

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

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
• 100,000/300,000 Liability • Comp / Collision	Progressive	$358	Flora, 25 Zip: 34655	Mercedes-Benz GLE 350 4matic
• State Minimum Liability • Comp / Collision	Mercury	$180	Lura, 41 Zip: 34655	Nissan Rogue Select S

Last Updated Sep 23, 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 Trinity

Based on our experience working with thousands of Trinity insurance policyholders, minimum liability coverage costs an average of $121 per month or $1,452 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 Trinity 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

Alabama car insurance

Mississippi car insurance

North Carolina car insurance

Tennessee car insurance

Louisiana car insurance

Virginia car insurance

Car insurance quotes in Trinity 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 Trinity 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 Trinity?

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 Trinity:

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

Cheapest car insurance in Trinity 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 Trinity 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	Bristol West	$429	Lina, 51 Zip: 34655	Toyota Camry LE	• 100,000/300,000 Liability • Comp / Collision
Not At Fault	Bristol West	$429	Marc, 51 Zip: 34655	Toyota Camry LE	• 100,000/300,000 Liability • Comp / Collision
At Fault With No Injury	Bristol West	$429	Mabel, 51 Zip: 34655	Toyota Camry LE	• 100,000/300,000 Liability • Comp / Collision

Last Updated Sep 22, 2023

Cheapest car insurance in Trinity 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 Trinity, 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 Obey Signal	Progressive	$358	Cordelia, 25 Zip: 34655	Mercedes-Benz GLE 350 4matic	• 100,000/300,000 Liability • Comp / Collision
Driving on Sus. License	Bristol West	$155	Esther, 28 Zip: 34655	Infiniti G35	• State Minimum Liability
Failure to Obey Signal	Progressive	$358	Linnie, 25 Zip: 34655	Mercedes-Benz GLE 350 4matic	• 100,000/300,000 Liability • Comp / Collision

Last Updated Sep 23, 2023

Cheap car insurance quotes in Trinity 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.

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

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 Trinity 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. Trinity 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 Trinity drivers with poor credit, taking the stress out of comparison shopping.

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
> 750	Bristol West	$429	Maude, 51 Zip: 34655	Toyota Camry LE	• 100,000/300,000 Liability • Comp / Collision
550 - 659	Progressive	$162	Terry, 32 Zip: 34655	BMW i3 REX	• State Minimum Liability

Last Updated Sep 23, 2023

Cheap car insurance quotes in Trinity 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 Trinity drivers that perform well in all three categories:

MORE:

How different kinds of cars affect your car insurance rates

How to lower car insurance costs in Trinity

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 Trinity?

People living in Trinity pay on average $121 per month – or $1,452 per year – on state-minimum liability coverage. Full coverage in Trinity 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 Trinity?

Based on thousands of Trinity drivers Jerry has worked with, car insurance in Trinitycosts an average of $121 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 Trinity?

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 Trinity 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 Trinity, Florida?

The state-minimum car insurance in Trinity, 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.