Car insurance in Avon Park for an adult with a clean driving record and good insurance score costs $2,150 a year for a full coverage policy, according to CarInsurance.com data.

But that’s just an average. Insurance companies look at drivers as individuals, factoring in their age, driving history, the make and model of their car and other factors.

Where you live is also a big factor. Car insurance rates can vary greatly from city to city and even from ZIP code to ZIP code within a city.

More traffic typically translates to more accidents and claims, so insurers look at neighborhoods and consider population density, road conditions, weather and other factors.

Some ZIP codes have much more auto theft than other areas. Insurers will thus charge higher premiums in those zip codes because the risk of loss is much higher. Other ZIP codes have a lot more car wrecks and the insurance company will charge higher premiums to cover the risk,” says James Brau, professor of finance at Brigham Young University. “Imagine a densely-crowded ZIP code where a lot of folks are driving versus a code out in a rural area where you hardly ever see another car. The odds of more wrecks and thefts are higher where there are a ton of vehicles — it becomes a statistics exercise.

Knowing where you live and what you’re likely to pay can be a big help when shopping for auto insurance.

That’s why our experts have created this comprehensive guide to help you make intelligent decisions about car insurance. The guide provides the average car insurance rates in Avon Park by coverage levels, age, city and ZIP code. It also lists the cheapest car insurance carriers and rates in Avon Park.

Key Highlights
  • Car insurance in Avon Park is cheaper than car insurance in Florida for full coverage policies.
  • The average cost of a full-coverage car insurance policy in Avon Park is $2,150 per year or $179 per month.
  • In Avon Park, State Farm offers the cheapest full coverage car insurance at $116 per month.
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Written by:
Katrina Raenell
Contributing Researcher
Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication.
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Reviewed by:
Laura Longero
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Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

What is the average cost of car insurance in Avon Park, FL?

The average auto insurance rates in Avon Park, FL at various coverage levels are listed below:

  • State minimum: $727 per year
  • Liability-only coverage (50/100/50): $1,257 per year
  • Full coverage (100/300/100): $2,150 per year

The cost of car insurance can vary significantly depending on the coverage level you choose. The three most-talked-about coverage levels are:

State minimum car insurance, which is the minimum liability coverage your state requires; liability car insurance coverage, which pays for the medical bills of anyone you injure with your car and pays to repair or replace any cars or property you hit; and full coverage car insurance, which includes collision and comprehensive insurance that pays for damage to your car.

Average annual rates by company for different coverage levels

CompanyState MinimumLiability OnlyFull Coverage
State Farm$479$777$1,386
Geico$369$748$1,488
Travelers$565$896$1,733
Nationwide$689$1,209$1,809
Mercury Insurance$579$1,074$2,008
Allstate$758$1,324$2,391
Farmers$885$1,688$2,691
Progressive$1,217$1,866$2,750
National General Insurance$1,000$1,729$3,094

Note:

  • State Minimum: State minimum liability only
  • Liability Only: 50/100/50 liability only
  • Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

What are the cheapest car insurance companies in Avon Park, FL?

Out of all the carriers available in Avon Park, State Farm offers the cheapest full coverage car insurance at $116 per month.

The second-cheapest car insurance company in Avon Park is Geico, offering car insurance at $124 monthly.

Cheapest CompanyFull Coverage Monthly Rates
State Farm$116
Geico$124
Travelers$144
Nationwide$151
Mercury Insurance$167
Allstate$199
Farmers$224
Progressive$229
National General Insurance$258

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Comparing quotes from multiple insurers can help you save money on your car insurance premiums.

Which companies offer the cheapest rates for high-risk drivers in Avon Park, FL?

Car insurance is more expensive for high-risk drivers. A high-risk driver in Florida is considered as such because they have:

  • Multiple speeding tickets or other traffic infractions in the last three- to five-year period.
  • An injury or a high-cost accident in the last three- to five-year period
  • A DUI conviction
  • A teen/inexperienced driver on their policy
  • A high-performance sports car
  • A poor credit score (a few states — California, Hawaii, Maryland, Massachusetts and Michigan — prohibit insurance companies from using credit to set rates)
  • A recent lapse in car insurance

Cheapest rates for drivers with two speeding tickets in Avon Park, FL

See the average annual premium for drivers with two speeding tickets on their records in Avon Park, FL in the table below.

Cheapest CompanyFull Coverage Monthly Rates with 2 Speeding Tickets
State Farm$123
Nationwide$215
Allstate$218
Travelers$220
Geico$265
Mercury$294
Farmers$307
Progressive$349

Note:

  • Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible
  • Insurance rates after receiving 2 speeding tickets for speeds 11 mph or over.

Cheapest rates for drivers with a DUI conviction in Avon Park, FL

See the average annual premium for a driver convicted of DUI in Avon Park, FL in the table below.

Cheapest CompanyFull Coverage Monthly Rates with 1 DUI
State Farm$123
Travelers$219
Geico$226
Farmers$242
Allstate$256
Mercury$257
Progressive$270
Nationwide$303

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Companies with the cheapest insurance by driver profile in Avon Park, FL

Personal factors can affect how much you pay for car insurance in states that allow it. Insurance companies do use a driver’s age as a rating factor as more driving experience leads to lower rates – and vice versa. However, not all states allow gender and credit score to be used when setting car insurance rates.

Cheapest rates for drivers in Avon Park, FL, by age

Age is a key factor when considering car insurance rates in most cities, including Avon Park – it’s one of several key factors taken into account by insurers to determine premiums.

Teens (age 16 to 19) are more prone to accidents because they’re inexperienced drivers. According to the Centers for Disease Control and Prevention (CDC), teen drivers are far more likely to be involved in fatal collisions than adult drivers. The higher the chances of an accident, the higher the car insurance rates.

Drivers in their 40s, 50s and 60s pay less for their car insurance premiums when compared to teen drivers because they are more likely to follow traffic rules, according to the Insurance Information Institute.

AgeCheapest CompanyFull Coverage Monthly Rates
16Allstate$1,075
16Geico$394
16Farmers$1,075
16Mercury Insurance$1,294
16National General Insurance$660
16Nationwide$463
16Progressive$829
16State Farm$392
16Travelers$729
17Allstate$1,008
17Geico$377
17Farmers$799
17Mercury Insurance$1,082
17National General Insurance$638
17Nationwide$602
17Progressive$713
17State Farm$348
17Travelers$537
18Allstate$738
18Geico$355
18Farmers$771
18Mercury Insurance$1,030
18National General Insurance$636
18Nationwide$602
18Progressive$628
18State Farm$310
18Travelers$428
19Allstate$427
19Geico$333
19Farmers$431
19Mercury Insurance$545
19National General Insurance$527
19Nationwide$348
19Progressive$510
19State Farm$274
19Travelers$340
20Allstate$406
20Geico$304
20Farmers$412
20Mercury Insurance$464
20National General Insurance$484
20Nationwide$297
20Progressive$453
20State Farm$244
20Travelers$290
21Allstate$295
21Geico$230
21Farmers$304
21Mercury Insurance$390
21National General Insurance$394
21Nationwide$233
21Progressive$382
21State Farm$215
21Travelers$243
22Allstate$261
22Geico$208
22Farmers$291
22Mercury Insurance$346
22National General Insurance$372
22Nationwide$211
22Progressive$345
22State Farm$193
22Travelers$220
23Allstate$251
23Geico$192
23Farmers$281
23Mercury Insurance$271
23National General Insurance$360
23Nationwide$195
23Progressive$314
23State Farm$176
23Travelers$200
24Allstate$233
24Geico$177
24Farmers$273
24Mercury Insurance$240
24National General Insurance$348
24Nationwide$182
24Progressive$291
24State Farm$164
24Travelers$188
25Allstate$216
25Geico$160
25Farmers$264
25Mercury Insurance$226
25National General Insurance$335
25Nationwide$173
25Progressive$253
25State Farm$135
25Travelers$163
30Allstate$199
30Geico$136
30Farmers$235
30Mercury Insurance$199
30National General Insurance$294
30Nationwide$153
30Progressive$235
30State Farm$118
30Travelers$158
35Allstate$199
35Geico$123
35Farmers$225
35Mercury Insurance$184
35National General Insurance$279
35Nationwide$152
35Progressive$234
35State Farm$117
35Travelers$156
40Allstate$199
40Geico$124
40Farmers$224
40Mercury Insurance$167
40National General Insurance$258
40Nationwide$151
40Progressive$229
40State Farm$116
40Travelers$144
45Allstate$199
45Geico$126
45Farmers$224
45Mercury Insurance$169
45National General Insurance$253
45Nationwide$149
45Progressive$228
45State Farm$114
45Travelers$143
50Allstate$195
50Geico$123
50Farmers$215
50Mercury Insurance$151
50National General Insurance$252
50Nationwide$144
50Progressive$221
50State Farm$112
50Travelers$140
55Allstate$190
55Geico$118
55Farmers$203
55Mercury Insurance$149
55National General Insurance$250
55Nationwide$135
55Progressive$222
55State Farm$109
55Travelers$129
60Allstate$187
60Geico$114
60Farmers$199
60Mercury Insurance$146
60National General Insurance$250
60Nationwide$133
60Progressive$219
60State Farm$107
60Travelers$130
65Allstate$193
65Geico$111
65Farmers$245
65Mercury Insurance$157
65National General Insurance$258
65Nationwide$143
65Progressive$221
65State Farm$107
65Travelers$135
70Allstate$194
70Geico$114
70Farmers$261
70Mercury Insurance$175
70National General Insurance$276
70Nationwide$160
70Progressive$239
70State Farm$110
70Travelers$146
75Allstate$217
75Geico$127
75Farmers$291
75Mercury Insurance$216
75National General Insurance$299
75Nationwide$179
75Progressive$291
75State Farm$119
75Travelers$163

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Cheapest rates for drivers in Avon Park, FL, with poor credit

Except in states that don’t allow it – California, Hawaii, Massachusetts, Washington and Michigan – drivers who have poor credit will pay higher rates for car insurance because they’re viewed as riskier by auto insurers.

Cheapest CompanyFull Coverage Monthly Rates with Bad Credit
State Farm$204
Nationwide$226
Geico$227
Mercury Insurance$263
Travelers$288
Farmers$329
Progressive$360
Allstate$361

Final thoughts: Car insurance cost in Avon Park, FL

Shopping for a new auto insurance policy at renewal time is the best way to make sure you have the cheapest car insurance in Avon Park, FL. Maximize your discounts, drive a vehicle with plenty of safety features and maintain a good driving record to pay less for car insurance.

Resources & Methodology

Sources:

  1. Centers for Disease Control and Prevention. “Teen drivers.” Accessed August 2023.
  2. Insurance Information Institute. “Senior driving safety and insurance tips.” Accessed August 2023.

Methodology:

CarInsurance.com, commissioned Quadrant Information Services to gather data on the average costs of car insurance for drivers residing in Avon Park, Florida.

The rates were derived from a sample profile of a 40-year-old male driving a Honda Accord LX, with no history of violations and a good insurance score. This sample profile opted for full coverage policies with limits of up to 100/300/100 and a $500 comprehensive and collision deductible.

The data was collected across approximately 34,523 ZIP codes, resulting in a total of 56,838,240 quotes obtained from 41 companies.

Laura Longero

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Laura Longero

Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

John McCormick

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John McCormick

Editorial Director

John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Leslie Kasperowicz

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Leslie Kasperowicz

Managing Editor

Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

Nupur Gambhir

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Nupur Gambhir

Managing Editor

Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

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Contributing Researcher

Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication.