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Get Cheap Car Insurance in Royal Poinciana, Hollywood, FL

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

 

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The Cheapest Minimum Coverage in Royal Poinciana

The chart below shows the cheapest car insurance company in Royal Poinciana 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.

 
Royal Poinciana Insurer Monthly Cost
Geico $149
State Farm $158
Gainsco $206
Bristol West $206

Savings for Every Kind of Royal Poinciana Driver

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

Based on our extensive insurance data, we know the average Royal Poinciana 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 $913 per year by choosing the right vehicle insurance company. Some Royal Poinciana residents are paying out over $3,120 extra every year for auto insurance in Royal Poinciana. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Royal Poinciana, Hollywood, FL Savings / Yr.
$913
$1,340
$1,031
$1,020
$3,241
$886
$1,291

Royal Poinciana Car Insurance vs. Hollywood

People living in Royal Poinciana pay an average of 18.08% more than the typical driver in the state. The average driver in Royal Poinciana can expect to pay about $2,848 per year, or $3,120 for full coverage.

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

Car Insurance Prices by Royal Poinciana Neighborhood

Royal Poinciana, Hollywood, FL map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Royal Poinciana?

The map shows insurance prices in and around Royal Poinciana, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $347 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $3,301 to a low of $2,954. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the South parts of Royal Poinciana.

Pick the Best Car Insurance Company for You in Royal Poinciana

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 Royal Poinciana insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Royal Poinciana

For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $913 over the average Royal Poinciana car insurance company.

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We use the average good driver, paying $184 per month, as our baseline for pricing in Royal Poinciana. 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 Royal Poinciana drivers with accidents on their records

In Royal Poinciana getting into an accident will raise premiums an average 28% for a yearly cost of $4,331. That's $1,212 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 $1,340 over the competition.

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The best car insurance company for Royal Poinciana drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $1,031 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 Royal Poinciana, tickets raise premiums on new quotes about $869. If you have a speeding ticket, we recommend State Farm, Geico, and Gainsco for savings that beat the average insurance cost of $3,989 per year.

The best auto insurance for Royal Poinciana drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $4,258 per year in auto insurance premiums, which was $1,138 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 $1,020 less each year.

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The least expensive car insurance company for new and young drivers in Royal Poinciana

In Royal Poinciana, Geico costs young drivers $3,241 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 Royal Poinciana. With an average cost of $9,362 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 Royal Poinciana

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $220. State Farm, Geico, and Progressive provided the largest discounts to couples living in Royal Poinciana.

Geico gave the largest car insurance discounts to married couples, averaging $886 saved each year compared to an average Royal Poinciana couple's premiums.

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The cheapest car insurance in Royal Poinciana for drivers with bad credit

People with poor credit saved an average of $1,291 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,491 every year. Premiums for people with poor credit were about $4,611 in Royal Poinciana. 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 Royal Poinciana car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Royal Poinciana, 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 Royal Poinciana.

Allstate was the best company for customer service in Royal Poinciana 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 Royal Poinciana, 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 Royal Poinciana. 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 Royal Poinciana

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 72% of Royal Poinciana 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 Royal Poinciana 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 Royal Poinciana, 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 Royal Poinciana

What Influences the Cost of Car Insurance in Royal Poinciana?

On average, car insurance in Royal Poinciana 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 neighborhood are influenced by the following factors:

  • The average commute time in Royal Poinciana is 34 minutes, which is a little more than 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 Royal Poinciana are lower than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
  • Royal Poinciana has an average population density 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 Royal Poinciana is $237 per month for minimum coverage and $260 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 Royal Poinciana driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Royal Poinciana 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.