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Get Cheap Car Insurance in Acacia Villas, FL

We monitor insurance prices, helping the average driver in Acacia Villas save up to 34.6% on car insurance.

 

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The Cheapest Minimum Coverage in Acacia Villas

The chart below shows the cheapest car insurance company in Acacia Villas for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Geico, followed by State Farm, Gainsco, and Bristol West.

 
Acacia Villas Insurer Monthly Cost
Geico $167
State Farm $178
Gainsco $232
Bristol West $232

Savings for Every Kind of Acacia Villas Driver

The table shows how much the average auto insurance customer in Acacia Villas might save by following our recommendations.

Based on our extensive insurance data, we know the average Acacia Villas driver will save about 29% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $1,027 per year by choosing the right vehicle insurance company. Some Acacia Villas residents are paying out over $3,509 extra every year for auto insurance in Acacia Villas. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Acacia Villas Car Insurance vs. Florida

People living in Acacia Villas pay an average of 32.83% more than the typical driver in the state. The average driver in Acacia Villas can expect to pay about $3,204 per year, or $3,509 for full coverage.

Based on our analysis, Geico will be the cheapest provider in Acacia Villas for most people.

Car Insurance Prices by Acacia Villas Neighborhood

Acacia Villas, FL map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Acacia Villas?

The map shows insurance prices in and around Acacia Villas, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $0 per year within the city boundaries, with insurance premiums ranging from a high of $3,509 to a low of $3,509. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Central parts of Acacia Villas.

Pick the Best Car Insurance Company for You in Acacia Villas

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Acacia Villas insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Acacia Villas

For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $1,027 over the average Acacia Villas car insurance company.

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We use the average good driver, paying $207 per month, as our baseline for pricing in Acacia Villas. State Farm, Geico, and Travelers are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Acacia Villas drivers with accidents on their records

In Acacia Villas getting into an accident will raise premiums an average 28% for a yearly cost of $4,872. That's $1,363 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Geico, and Travelers are good choices for drivers with accidents.

In our analysis, Geico saved the average person who had been in an accident the most, with annual savings averaging $1,508 over the competition.

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The best car insurance company for Acacia Villas drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $1,160 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Acacia Villas, tickets raise premiums on new quotes about $978. If you have a speeding ticket, we recommend State Farm, Geico, and Gainsco for savings that beat the average insurance cost of $4,487 per year.

The best auto insurance for Acacia Villas drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $4,790 per year in auto insurance premiums, which was $1,280 more than a driver with no major issues. State Farm, Geico, and Safeco Insurance penalized their customers the least for a DUI.

Getting a quote from Geico may cost the average person with a DUI about $1,148 less each year.

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The least expensive car insurance company for new and young drivers in Acacia Villas

In Acacia Villas, Geico costs young drivers $3,646 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 67% more for insurance than more mature drivers in Acacia Villas. With an average cost of $10,531 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Travelers try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Acacia Villas

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $247. State Farm, Geico, and Progressive provided the largest discounts to couples living in Acacia Villas.

Geico gave the largest car insurance discounts to married couples, averaging $996 saved each year compared to an average Acacia Villas couple's premiums.

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The cheapest car insurance in Acacia Villas for drivers with bad credit

People with poor credit saved an average of $1,452 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,678 every year. Premiums for people with poor credit were about $5,187 in Acacia Villas. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from State Farm, Geico, and Gainsco.

The best Acacia Villas car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Acacia Villas, the National Association of Insurance Commissioners (NAIC) ranks Allstate as the best. Another valuable metric: JD Power ranks State Farm as the best provider in Acacia Villas.

Allstate was the best company for customer service in Acacia Villas according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Acacia Villas, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Acacia Villas. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Acacia Villas

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 67% of Acacia Villas residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Geico tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Acacia Villas driver can expect to pay about $156 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Acacia Villas, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.
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Auto Insurance Prices in and Around Acacia Villas

What Influences the Cost of Car Insurance in Acacia Villas?

On average, car insurance in Acacia Villas is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:

  • The average commute time in Acacia Villas is 34 minutes, which is about the national average for a driver in the state.
  • Florida state insurance regulations may require higher prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Acacia Villas are among the lowest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of F according to CrimeGrade.org.
  • Acacia Villas is one of the least populated areas in the state. The city’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Acacia Villas is $267 per month for minimum coverage and $292 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

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* Who is the average Acacia Villas driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Acacia Villas with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.