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Cheapest car insurance in Valrico, Florida (Nov 2024)
Cheapest car insurance in Valrico, Florida (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Valrico, Florida.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- How to find the cheapest car insurance in Valrico
- Cheapest Valrico car insurance for good drivers
- Best Car Insurance Companies in Valrico
- Best cheap car insurance quotes in Valrico
- Average cost of car insurance in Valrico
- Car insurance quotes in Valrico by rating factors
- How do different factors impact your car insurance costs in Valrico?
- How to lower car insurance costs in Valrico
- FAQ
- Methodology
- Meet our Experts
Load full table of contents
How to find the cheapest car insurance in Valrico
On average, car insurance in Valrico costs about $151 per month for minimum coverage liability insurance, and about $216 per month for full coverage insurance. Valrico drivers pay 32% 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 Valrico quick and hassle-free! | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $180 | Luella, 45 Zip: 33596 | Ford Crown VIC Police INT | • No Coverage Liability |
| Safeco | $275 | Mike, 37 Zip: 33594 | Ford Econoline E150 VAN | • 50,000/100,000 Liability |
| Nationwide | $143 | Earl, 38 Zip: 33594 | Cadillac Escalade Platinum | • 25,000/50,000 Liability • Comp / Collision |
| Mercury | $239 | Kate, 78 Zip: 33594 | KIA Soul | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Nov 18, 2024Cheapest Valrico car insurance for good drivers
Insurance rates are calculated based on your driving record, age, zip code, past claims, and vehicle type. While the majority of these factors aren’t in your control—you can be a good driver and keep your driving record clean.
Good drivers in Valrico can save up to 40% on their insurance, and with Jerry's DriveShield™, you can track your driving and unlock discounts for safe driving habits. Discover how other drivers are using DriveShield™ to save on their insurance below.
Customer | Driving Score | Insurance Savings | Has Violations | Insurance Coverage |
|---|---|---|---|---|
Jonas, 25 | 94 | 35% | No |
|
Alejandra, 34 | 77 | 24% | No |
|
Jean, 44 | 85 | 29% | No |
|
Michelle, 54 | 97 | 38% | No |
|
Eric, 64 | 67 | 22% | No |
|
Best Car Insurance Companies in Valrico
Looking for the cheapest car insurance rates in Valrico? 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 Valrico—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 Valrico 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.
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.
Best cheap car insurance quotes in Valrico
Florida’s minimum car insurance requirements
reflect how much insurance you need the carry to legally drive as well as the cheapest coverage option in Valrico. However, minimum liability coverage provides minimal financial protection.You’ll need full coverage if you want to cover the cost of repairing or replacing your own vehicle–but that’s not as easy to get in the Sunshine State as it once was thanks to the current car insurance crisis. Take a listen to what Jerry’s experts have to say about the state of the insurance industry in Florida, and how it could affect your policy choices in Valrico.
Cheap minimum liability insurance quotes in Valrico
You need both
PIP
and PDL
to drive in Valrico 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 Valrico.
Jared (39 years old)
$92
per month
Maude (37 years old)
$114
per month
Do you need more than minimum coverage in Valrico?
The state's minimum liability coverage is insufficient for most Valrico 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 bodily injury 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 Valrico
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 | $239 | Ethan, 44 Zip: 33594 | Chevrolet Traverse LTZ |
• No Coverage Liability • Comp / Collision | Bristol West | $313 | Marion, 48 Zip: 33596 | Toyota Highlander LE |
• No Coverage Liability • Comp / Collision | National General | $143 | Craig, 28 Zip: 33596 | KIA RIO S |
• 250,000/500,000 Liability • Comp / Collision | Mercury | $77 | Eula, 59 Zip: 33596 | Toyota Highlander Limited |
• No Coverage Liability • Comp / Collision | Dairyland | $146 | Barbara, 48 Zip: 33596 | KIA Soul LX |
Last Updated Nov 19, 2024The 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 Valrico
Based on our experience working with thousands of Valrico insurance policyholders, minimum liability coverage costs an average of $151 per month or $1,812 per year, while full coverage insurance costs an average of $216 per month or $2,597 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 Valrico 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 Valrico 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 Valrico.
| Zip Code | Average State Minimum Coverage Rate | Average Full Coverage Rate |
|---|---|---|
33594 | $184 | $252 |
33596 | $153 | $291 |
Car insurance quotes in Valrico 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 Valrico 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 Valrico?
How do different factors impact your car insurance costs in Valrico?
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 Valrico:
Cheap car insurance quotes in Valrico 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 Valrico, it’s not impossible. Cheapest car insurance in Valrico 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 Valrico.
Last Updated Nov 21, 2024Cheapest car insurance in Valrico after DUI
Committing a
DUI in Florida
can have a significant impact on your car insurance rates. Insurance companies often view DUI offenders as high-risk drivers, which can result in higher premiums.If you have a DUI on your record, it's important to shop around and compare rates from multiple insurance companies to find the most affordable option. Jerry can help you find the best rates for auto insurance in Valrico even after a DUI conviction.
Minnie (36 years old)
$46
per month
Cheapest car insurance in Valrico 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 Valrico 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 Injury | Progressive | $221 | Carl, 44 Zip: 33594 | Mercedes-Benz C 300 | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Safeco | $89 | Mabel, 71 Zip: 33594 | Nissan Altima XE | • State Minimum Liability |
Not At Fault | Nationwide | $143 | Nathan, 37 Zip: 33594 | Cadillac Escalade Platinum | • 25,000/50,000 Liability • Comp / Collision |
At Fault With No Injury | Gainsco | $290 | Francis, 44 Zip: 33594 | Dodge Journey SXT | • State Minimum Liability • Comp / Collision |
Last Updated Nov 21, 2024Cheapest car insurance in Valrico 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 Valrico, 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 | National General | $114 | Daisy, 36 Zip: 33596 | Hyundai Sonata SE | • State Minimum Liability |
Failure to Obey Signal | Bristol West | $83 | Fred, 36 Zip: 33596 | Hyundai Sonata SE | • No Coverage Liability |
Improper Passing | Progressive | $288 | Isaac, 44 Zip: 33594 | Dodge Journey SXT | • State Minimum Liability • Comp / Collision |
Last Updated Nov 20, 2024Cheap car insurance quotes in Valrico 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 Valrico for young drivers
In Valrico, 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.
Delia (24 years old)
$343
per month
Harvey (24 years old)
$363
per month
Gainsco
Joe (24 years old)
$249
per month
Embark General
Agnes (24 years old)
$314
per month
Cheapest car insurance in Valrico for senior drivers
Similar to teenage drivers,
car insurance rates for senior drivers
are typically higher than the national average. Insurers consider senior drivers high-risk because:- Senior drivers have a higher likelihood of being involved in car accidents
- Accidents involving senior drivers typically result in more severe injuries and increased medical expenses
Benjamin (69 years old)
CoverageNo Coverage
Valrico, FL (Zip Code: 33594)
Tesla Model Y$208
per month
Jonathan (68 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Valrico, FL (Zip Code: 33594)
$489
per month
Cheap car insurance quotes in Valrico 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 Valrico 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:
Gainsco has given the cheapest price on vehicle insurance as well as kept their word on the quote.
Anna
Mercury auto insurance is the most affordable option and the service has been excellent.
Sean
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 Valrico 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. Valrico 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 Valrico drivers with poor credit, taking the stress out of comparison shopping.
Here’s how drivers with low credit scores saved with Jerry.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | Progressive | $243 | Zachary, 25 Zip: 33596 | KIA Sportage LX | • 25,000/50,000 Liability • Comp / Collision |
660 - 750 | Infinity | $314 | Louis, 39 Zip: 33594 | Dodge Durango SXT | • State Minimum Liability • Comp / Collision |
660 - 750 | Bristol West | $232 | Eddie, 39 Zip: 33596 | Honda Odyssey EXL | • No Coverage Liability |
550 - 659 | Bristol West | $225 | Millie, 34 Zip: 33596 | Nissan Rogue S | • No Coverage Liability |
< 550 | Progressive | $125 | Ella, 48 Zip: 33596 | Jeep Wrangler / YJ S | • No Coverage Liability |
Last Updated Nov 17, 2024Cheap car insurance quotes in Valrico 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 Valrico 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 |
|---|---|---|---|---|
| Toyota Camry L | Progressive | $117 | Ethan, 31 Zip: 33594 | • 15,000/30,000 Liability |
| Honda Accord LX | National General | $271 | Larry, 30 Zip: 33596 | • State Minimum Liability • Comp / Collision |
| Nissan Altima XE | Safeco | $89 | Belle, 71 Zip: 33594 | • State Minimum Liability |
Last Updated Nov 21, 2024How to lower car insurance costs in Valrico
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 aclean driving recordfor 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 insuranceand 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
How much is car insurance in Valrico?
People living in Valrico pay on average $151 per month – or $1,812 per year – on state-minimum liability coverage. Full coverage in Valrico costs on average $216 per month or $2,597 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 Valrico?
Based on thousands of Valrico drivers Jerry has worked with, car insurance in Valrico costs an average of $151 per month for state-minimum coverage and $216 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 Valrico?
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 Valrico 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 Valrico, Florida?
The state-minimum car insurance in Valrico, 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
Licensed Insurance Agent —Senior Content Writer
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.