Best Auburndale, Florida Auto Insurance in 2024 (Find the Top 10 Companies Here)

For as low as $89 per month, the best Auburndale, Florida auto insurance providers are Allstate, Travelers, and Farmers. Among these, Allstate offers auto insurance quotes that are as good as the finest. Look into these choices and find what suits you.

With the city’s growing traffic on main routes like Havendale Boulevard and U.S. Highway 92, getting the right coverage is absolutely essential. Continue reading to discover the ideal coverage tailored to your lifestyle, as well as potential discounts to reduce your auto insurance premium.

Our Top 10 Company Picks: Best Auburndale, Florida Auto Insurance

We’ll cover factors that affect auto insurance rates in Auburndale, Florida, including driving history, credit, commute time, and more. Get started on comparing full coverage auto insurance rates by entering your ZIP code above.

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#1 – Allstate: Top Overall Pick

Pros

• Friendly Premiums: With an average monthly rate of $290, Allstate provides Auburndale drivers with affordably-priced coverage options compared to other local insurers. Learn more in our Allstate auto insurance review.
• Flexible Policy Customization: Allstate empowers Auburndale policyholders to tailor their coverage by selecting from a menu of optional protections, such as roadside assistance and rental reimbursement.
• Potential Savings Opportunities: Auburndale residents insured with Allstate may qualify for a variety of discounts, including price breaks for bundling policies or maintaining a safe driving record.

Cons

• Not for Budget-Conscious: Despite competitive pricing, Allstate’s $290 average monthly premium in Auburndale isn’t the lowest available, which may deter exceptionally budget-conscious consumers.
• Finite Local Footprint: Compared to some regional providers, Allstate’s local agent network in Auburndale may be less expansive, potentially resulting in a less personalized service experience.

#2 – Travelers: Best for Competitive Rates

Pros

• Competitively-Priced Premiums: As outlined in our Travelers auto insurance review, Travelers offers one of the more affordable rates in Auburndale, Florida, with an average monthly premium of $275, making them a competitive option for budget-conscious drivers.
• Extensive Policy Options: Travelers provides Auburndale residents with a broad selection of coverage choices, from basic liability to comprehensive and collision protection, making it simple to design a policy that fits their needs.
• Discount Variety: From safe driving discounts to multi-policy savings, Travelers extends numerous opportunities for Auburndale policyholders to trim their premium costs.

Cons

• Varying Customer Service Quality: Travelers’ policyholder support in Auburndale can be unpredictable, with some customers expressing frustration with the claims process and overall responsiveness.
• Narrower Local Presence: Travelers may have a more limited selection of local agents in Auburndale relative to other providers, potentially complicating the process of obtaining in-person assistance.

#3 – Farmers: Best for Broad Options

Pros

• Affordable Rate Options: Farmers’ average monthly premium of $287 makes them a competitively-priced choice for Auburndale drivers seeking economical auto insurance. See more details in our page titled Farmers auto insurance review.
• Adjustable Policy Selections: Farmers allows Auburndale policyholders to craft semi-custom coverage by choosing from an array of optional add-ons, such as roadside assistance and rental car coverage.
• Potential Rate Reductions: Auburndale’s Farmers customers may trim their premiums by taking advantage of numerous discounts, including price breaks for safe driving and multi-policy savings.

Cons

• Marginally Higher Premiums: While competitively priced, Farmers’ average Auburndale rate of $287 per month trends slightly above the most budget-friendly options in the area.
• Inconsistent Service Quality: Some Auburndale policyholders have reported uneven experiences with Farmers’ support team, ranging from seamless interactions to frustrating delays in the claims process.

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#4 – American Family: Best for Personalized Service

Pros

• Moderately-Priced Options: At an average of $283 per month, American Family offers reasonably-priced coverage choices for Auburndale motorists. Learn more about their ratings in our American Family auto insurance review.
• Well-Rounded Coverage Selections: American Family provides an extensive menu of coverage options, including hard-to-find protections like accident forgiveness, allowing Auburndale drivers to obtain suitable coverage.
• Multiple Discount Opportunities: From safe driving discounts to price breaks for insuring multiple vehicles, American Family offers numerous ways for Auburndale policyholders to reduce their premiums.

Cons

• Not for Price-Sensitive Shoppers: While not exorbitant, American Family’s Auburndale rates are marginally higher than the lowest-priced alternatives, which may deter particularly price-sensitive shoppers.
• Varying Local Experiences: Some Auburndale customers have reported inconsistencies in the availability and attentiveness of local American Family agents.

#5 – Geico: Best for Affordable Premiums

Pros

• Unbeatable Base Rates: As mentioned in our Geico auto insurance review, Geico offers the lowest average monthly premium of $263 in Auburndale, Florida, making them a top choice for those seeking affordable auto insurance coverage.
• Impressive Discount Selection: Geico offers Auburndale policyholders a wide array of potential discounts, including price breaks for safe driving habits and customer loyalty, to further reduce already-low premiums.
• Acclaimed Digital Presence: Auburndale’s tech-savvy motorists appreciate Geico’s user-friendly online resources and mobile app for seamless policy management and claims filing.

Cons

• Fewer Coverage Options: Geico may not offer as many coverage options in Auburndale, Florida, as some other insurers do, which may restrict your ability to customize your policy.
• Unpredictable Claim Experiences: Some Auburndale policyholders have expressed dissatisfaction with Geico’s claims process, citing slow response times and unsatisfactory settlements.

#6 – Erie: Best for Excellent Value

Pros

• Reasonable Pricing Structure: As mentioned in Erie auto insurance review, Erie offers attractively-priced policies in Auburndale, with an average monthly premium of $270, allowing drivers to secure quality coverage at a fair price point.
• Well-Rounded Coverage Choices: Erie’s Auburndale policyholders can select from an extensive range of coverage options, including extras like pet injury protection and locksmith services, to craft a robust policy.
• Generous Discount Options: From multi-policy price breaks to premium reductions for installing anti-theft devices, Erie offers Auburndale drivers numerous ways to save.

Cons

• Higher Prices Than Rivals: While Erie’s average Auburndale premium of $270 is reasonable, certain competitors offer lower base rates, which may appeal to the most budget-conscious consumers.
• Isolated Service Frustrations: A handful of Auburndale customers have reported disappointing experiences with Erie’s claims processing and general responsiveness, though overall satisfaction remains strong.

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#7 – State Farm: Best for Nationwide Presence

Pros

• Economical Rate Options: State Farm offers moderately-priced auto insurance in Auburndale, with an average monthly premium of $275 that falls in line with other mid-tier providers.
• Policy Personalization Possibilities: Auburndale motorists can tailor their State Farm policy to their needs by choosing from an array of optional coverages, such as rental car and travel expense protection.
• Discount-Driven Savings: From safe driving discounts to savings for insuring multiple vehicles, State Farm provides Auburndale policyholders with a variety of rate reduction opportunities. For discounts read our State Farm auto insurance discounts.

Cons

• Service Quality Insights: While State Farm offers generally satisfactory support, detailed data on their customer service performance in Auburndale is limited, potentially giving some policyholders pause.
• Financial Stability: Detailed information on State Farm’s financial strength and long-term reliability is not readily supplied to Auburndale customers, which may complicate risk assessment for cautious consumers.

#8 – USAA: Best for Military Discounts

Pros

• Accident Forgiveness Program: USAA offers accident forgiveness, helping Auburndale drivers avoid premium increases after the first at-fault accident.
• Safe Driver Rewards: As outlined in USAA auto insurance review, the company rewards safe Auburndale drivers with discounts, helping them lower overall premium costs.
• Rental Car Reimbursement: USAA provides rental car coverage in Auburndale, Florida as an add-on, ensuring you’re covered if your vehicle is being repaired.

Cons

• Complex Policy Customization: Understanding and selecting the right coverage options with USAA can be complicated for drivers in Auburndale, Florida.
• Service Availability Issues: USAA’s customer service might be less accessible in more remote areas of Auburndale.

#9 – Liberty Mutual: Best for Customizable Policies

Pros

• Reliable Financial Strength: Liberty Mutual’s solid financial standing ensures they can reliably pay out claims.
• Safe Driver Discounts: As mentioned in our Liberty Mutual auto insurance review, the company rewards drivers with clean records, Auburndale drivers can get this to reduce overall premium costs.
• New Car Replacement: Liberty Mutual offers new car replacement coverage, adding value for new Auburndale vehicle owners.

Cons

• Rate Increase Potential: Liberty Mutual policyholders in Auburndale, Florida may see premium increases upon renewal, which could be unexpected.
• Inconsistent Customer Service: Liberty Mutual’s customer service in Auburndale, Florida can be inconsistent, with some customers reporting issues with claims processing and support.

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#10 – Progressive: Best for Innovative Features

Pros

• Affordable Rates: As mentioned in Progressive auto insurance review, Progressive offers affordable auto insurance rates in Auburndale, Florida, with an average monthly premium of $265, making them a good option for budget-conscious drivers.
• Multi-Policy Discounts: Progressive offers discounts for bundling multiple policies, such as home and auto insurance for Auburndale drivers, leading to savings.
• User-Friendly Digital Experience: Progressive’s website and mobile app are well-regarded for their ease of use in Auburndale, Florida and extensive features.

Cons

• Higher Deductible Options: Some policyholders in Auburndale, Florida may find Progressive’s deductible options to be on the higher side.
• Discount Eligibility Complexity: Qualifying for certain discounts with Progressive in Auburndale, Florida can be challenging due to specific criteria.

The Required Auto Insurance in Auburndale, Florida

In Auburndale, Florida, the table laid out the monthly insurance rates. It showed the costs for both minimum and full coverage, side by side, from different providers.

Auburndale, Florida Auto Insurance Monthly Rates by Coverage Level & Provider

Auto insurance laws in Auburndale, Florida state that you maintain financial accountability in the event of an accident by carrying at least the minimum amount of coverage required by the state. An overview of Auburndale’s mandatory auto insurance is provided below:

How Age & Gender Affect Your Rates in Auburndale, FL

In Auburndale, Florida, your insurance rates can vary significantly due to factors like age, gender, and the provider you choose. These elements play a crucial role in determining your premiums, with each provider offering different rates based on demographic profiles.

Auburndale, Florida Full Coverage Auto Insurance Monthly Rates by Age & Gender

Understanding how these factors impact your insurance costs can help you make more informed decisions and find the best coverage for your needs.

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How Your Driving Record Affects Auto Insurance Rates in Auburndale, Florida

Your driving record really affects your insurance costs. Check out how the monthly rates vary in Auburndale, Florida, between drivers with clean records and those who have past violations.

Auburndale, Florida Full Coverage Auto Insurance Monthly Rates by Driving Record

Maintaining a spotless driving record could substantially decrease your auto insurance costs in Auburndale, Florida.

Traffic violations and accidents can lead to higher rates, underscoring the importance of safe driving habits to manage your insurance costs effectively, especially when navigating busy routes like U.S. Highway 92 and Havendale Boulevard in Auburndale, Florida.

Auto Insurance Rates in Auburndale, FL Following a DUI

Once you have a DUI record in your profile, your car insurance rates will definitely go up. Take a look at the monthly costs from different companies to find the best deal for you.

Auburndale, Florida Full Coverage Auto Insurance Rates After a DUI

After a DUI, you may have a hard time finding cheap rates for your auto insurance. Try to compare various providers thoroughly to find a policy that offers the necessary coverage without exceeding your budget.

Credit History Impact on Auto Insurance Rates in Auburndale, FL

Having bad credit score can increase your auto insurance rates greatly, the table below shows how different credit scores affect your insurance costs.

Auburndale, Florida Full Coverage Auto Insurance Monthly Rates by Credit Score

Now you have the gist of how your credit score impacts your insurance costs. Be sure to explore our top 10 providers mentioned above to find the best coverage that fits your credit profile.

Exploring Auto Insurance Costs Across ZIP Codes in Auburndale, Florida

Even ZIP codes will affect your insurance rates. The table below will let you understand how your location influences your car insurance premiums.

Auburndale, Florida Full Coverage Auto Insurance Rates by ZIP Code

Where you live in Auburndale, specifically your ZIP code, plays a role in determining your auto insurance premiums. If you want more information, check out our article titled “Why did my auto insurance rates increase when I moved?” for more information.

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The Effect of Commute on Auto Insurance Rates in Auburndale, FL

Each day you drive adds to the miles you tally each year, and this can change what you pay for auto insurance in Auburndale, Florida. By looking at how different commutes hit your wallet, you can find the insurance that saves you the most money.

Auburndale, Florida Full Coverage Auto Insurance Monthly Rates by Annual Mileage

From the table above, you can see that the miles you drive each year bear heavily on your auto insurance costs. For more information, read our article titled “Most Expensive Commutes in America.”

What Affects Auto Insurance Rates in Auburndale, Florida

In Auburndale, Florida, the cost of auto insurance can swing wildly. The heavy traffic on Havendale Boulevard during rush hour and the frequent car thefts near Lake Ariana play a big part in this. Knowing the lay of the land, especially the roads you often take, is key to figuring out and controlling your insurance expenses.

Auburndale Auto Theft Statistics

When cars get stolen more often, insurance costs go up because companies have to pay out more claims. The FBI says Auburndale, Florida, had 25 cars stolen last year. That’s why insurance rates are higher now.

Read More: If someone breaks into your car, does insurance cover it?

Commute Time in Auburndale

Longer commutes often drive up auto insurance premiums, and in Auburndale, Florida, where the average commute down Havendale Boulevard or along U.S. Highway 92 is around 32 minutes, this trend holds true, according to City-Data.

To find out if you can get cheaper auto insurance rates, enter your ZIP code into our free quote tool below to instantly compare prices from various companies near you.

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