Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.

Get Cheap Car Insurance in Eden Isle, Horizon West, FL

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

 

Start Saving

;

The Cheapest Minimum Coverage in Eden Isle

The chart below shows the cheapest car insurance company in Eden Isle 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.

 
Eden Isle Insurer Monthly Cost
Geico $114
State Farm $121
Gainsco $158
Bristol West $158

Savings for Every Kind of Eden Isle Driver

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

Based on our extensive insurance data, we know the average Eden Isle 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 $701 per year by choosing the right vehicle insurance company. Some Eden Isle residents are paying out over $2,397 extra every year for auto insurance in Eden Isle. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Eden Isle, Horizon West, FL Savings / Yr.
Drivers with good records
$701
Drivers with accidents
$1,030
Drivers with speeding tickets
$792
Drivers with a DUI conviction
$784
Young drivers
$2,491
Married drivers
$681
Drivers with bad credit
$992

Eden Isle Car Insurance vs. Horizon West

People living in Eden Isle pay an average of 9.27% less than the typical driver in the state. The average driver in Eden Isle can expect to pay about $2,189 per year, or $2,397 for full coverage.

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

Car Insurance Prices by Eden Isle Neighborhood

Eden Isle, Horizon West, FL map of insurance costs by zip code and neighborhood

Insurance Prices

More expensive
Average
Less expensive

Where is insurance cheapest within Eden Isle?

The map shows insurance prices in and around Eden Isle, 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 neighborhood boundaries, with insurance premiums ranging from a high of $2,397 to a low of $2,397. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Central parts of Eden Isle.

Pick the Best Car Insurance Company for You in Eden Isle

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 Eden Isle insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Eden Isle

For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $701 over the average Eden Isle car insurance company.

Visit Site

We use the average good driver, paying $141 per month, as our baseline for pricing in Eden Isle. 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 Eden Isle drivers with accidents on their records

In Eden Isle getting into an accident will raise premiums an average 28% for a yearly cost of $3,328. That's $931 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 $1,030 over the competition.

Visit Site

The best car insurance company for Eden Isle drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $792 better than other car insurance companies.

Visit Site

Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Eden Isle, tickets raise premiums on new quotes about $668. If you have a speeding ticket, we recommend State Farm, Geico, and Gainsco for savings that beat the average insurance cost of $3,065 per year.

The best auto insurance for Eden Isle drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,272 per year in auto insurance premiums, which was $875 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 $784 less each year.

Visit Site

The least expensive car insurance company for new and young drivers in Eden Isle

In Eden Isle, Geico costs young drivers $2,491 less each year versus the average auto insurance bill.

Visit Site

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 Eden Isle. With an average cost of $7,193 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 Eden Isle

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $169. State Farm, Geico, and Progressive provided the largest discounts to couples living in Eden Isle.

Geico gave the largest car insurance discounts to married couples, averaging $681 saved each year compared to an average Eden Isle couple's premiums.

Visit Site

The cheapest car insurance in Eden Isle for drivers with bad credit

People with poor credit saved an average of $992 with Geico.

Visit Site

Many people are surprised that their poor credit score can cost them an average of $1,146 every year. Premiums for people with poor credit were about $3,543 in Eden Isle. 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 Eden Isle car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Eden Isle, 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 Eden Isle.

Allstate was the best company for customer service in Eden Isle according to the NAIC.

Visit Site

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 Eden Isle, which was better than other insurers.

Visit Site

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 Eden Isle. 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 Eden Isle

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 61% of Eden Isle residents who are renting, and don't plan to be in the neighborhood or city 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 Eden Isle driver can expect to pay about $156 per month.

Visit Site

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 Eden Isle, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.
Get USAA (An excellent choice if you qualify)

Auto Insurance Prices in and Around Eden Isle

What Influences the Cost of Car Insurance in Eden Isle?

On average, car insurance in Eden Isle is actually less expensive than the rest of the state. These low 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 neighborhood are influenced by the following factors:

  • The average commute time in Eden Isle is 31 minutes, which is about the national average for a driver in the city.
  • 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 Eden Isle are higher than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of A+ according to CrimeGrade.org.
  • Eden Isle is one of the least populated areas in the state. The neighborhood’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 Eden Isle is $182 per month for minimum coverage and $200 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.

Car Insurance in Nearby Neighborhoods

Neighborhoods with Similar Populations

* Who is the average Eden Isle driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Eden Isle 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.