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Get Cheap Car Insurance in Wesley Chapel, FL
We monitor insurance prices, helping the average driver in Wesley Chapel save up to 34.6% on car insurance.
The Cheapest Minimum Coverage in Wesley Chapel
The chart below shows the cheapest car insurance company in Wesley Chapel 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.
| Wesley Chapel Insurer | Monthly Cost |
|---|---|
| Geico | $136 |
| State Farm | $144 |
| Gainsco | $188 |
| Bristol West | $188 |
Savings for Every Kind of Wesley Chapel Driver
Based on our extensive insurance data, we know the average Wesley Chapel 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 $832 per year by choosing the right vehicle insurance company. Some Wesley Chapel residents are paying out over $2,843 extra every year for auto insurance in Wesley Chapel. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Wesley Chapel, FL Savings / Yr. |
|---|---|
$832 |
|
$1,221 |
|
$939 |
|
$930 |
|
$2,954 |
|
$807 |
|
$1,176 |
Wesley Chapel Car Insurance vs. Florida
People living in Wesley Chapel pay an average of 7.60% more than the typical driver in the state. The average driver in Wesley Chapel can expect to pay about $2,595 per year, or $2,843 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Wesley Chapel for most people.
Car Insurance Prices by Wesley Chapel Neighborhood
Insurance Prices
Where is insurance cheapest within Wesley Chapel?
The map shows insurance prices in and around Wesley Chapel, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $522 per year within the city boundaries, with insurance premiums ranging from a high of $3,077 to a low of $2,555. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Northeast parts of Wesley Chapel.Pick the Best Car Insurance Company for You in Wesley Chapel
The best car insurance provider for most drivers in Wesley Chapel
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $832 over the average Wesley Chapel car insurance company.
The best car insurance provider for Wesley Chapel drivers with accidents on their records
In our analysis, Geico saved the average person who had been in an accident the most, with annual savings averaging $1,221 over the competition.
The best car insurance company for Wesley Chapel drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $939 better than other car insurance companies.
The best auto insurance for Wesley Chapel drivers with a DUI conviction
Getting a quote from Geico may cost the average person with a DUI about $930 less each year.
The least expensive car insurance company for new and young drivers in Wesley Chapel
In Wesley Chapel, Geico costs young drivers $2,954 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Wesley Chapel
Geico gave the largest car insurance discounts to married couples, averaging $807 saved each year compared to an average Wesley Chapel couple's premiums.
The cheapest car insurance in Wesley Chapel for drivers with bad credit
The best Wesley Chapel car insurance company for customer service
Allstate was the best company for customer service in Wesley Chapel according to the NAIC.
Recent price drops
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The cheapest large national provider in Wesley Chapel
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Wesley Chapel driver can expect to pay about $156 per month.
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 Wesley Chapel, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.Auto Insurance Prices in and Around Wesley Chapel
What Influences the Cost of Car Insurance in Wesley Chapel?
On average, car insurance in Wesley Chapel 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 Wesley Chapel is 40 minutes, which is a little more than 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 Wesley Chapel 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.
- Wesley Chapel has an average population density 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 Wesley Chapel is $216 per month for minimum coverage and $237 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 Cities
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- Zephyrhills West: Insurance costs 5.21% less
- San Antonio: Insurance costs 6.44% less
- Lutz: Insurance costs 1.44% less
- Land O' Lakes: Insurance costs 2.74% less
- Pasadena Hills: Insurance costs 6.79% less
- Zephyrhills South: Insurance costs 5.70% less
- Crystal Springs: Insurance costs 6.54% less
- St. Leo: Insurance costs 7.11% less
- Cheval: Insurance costs 2.64% more
Cities with Similar Populations
- Utica: Insurance costs 50.76% less
- Uniontown: Insurance costs 24.94% less
- Vallejo: Insurance costs 22.23% less
- Upton: Insurance costs 43.97% less
- Utica: Insurance costs 12.87% less
- Upland: Insurance costs 22.58% less
- Valdosta: Insurance costs 41.22% less
- Utica: Insurance costs 8.44% more
- Valier: Insurance costs 41.96% less
- Utica: Insurance costs 51.92% less