Clermont Auto Insurance Rates, Quotes, Agents & Reviews in FL

Clermont, FL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Clermont, FL, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Top 5 Car Insurance Companies in Clermont, FL, by Market Share

The average cost of auto insurance in Clermont, FL, is $1,257. Car owners here can save more on car insurance by comparing multiple auto insurance quotes. The cost of insurance is influenced by numerous factors ranging from the age of the driver to the make and model of the car. The cost of auto insurance can also vary from one neighborhood to another, depending on the rate of auto thefts in that area. Below is a list of the top 5 auto insurance companies in Clermont, FL.



GEICO leads the way in Florida, with a market share of 25.23%. It has 5,160,726 direct premiums written, and 5,081,055 direct premiums earned. GEICO continues to bring innovations into the field of insurance, the latest being its virtual assistant, KATE. GEICO has an A.M. Best rating of A++ and a J.D. Power rating of 827/1000 in Florida.


Progressive is second on this list with an A.M. Best Rating of A+ and a J.D. Power rating of 809/1000. It has a massive 3,749,329 direct premiums written, and 3,582,160 direct premiums earned. This earns Progressive a market share of 18.33% in Florida. 


State Farm has a market share of 14.74%. This earns it a J.D. Power rating of 834/1000 in Florida. The company also has an A.M. Best rating of A++. State Farm has 3,014,788 direct premiums written, and 3,047,953 direct premiums earned in Florida. State Farm maintains its quality with an immensely customer-friendly online portal.


Allstate has 1,897,567 direct premiums written and 1,880,647 direct premiums earned. The company has a market share of 9.28% in Florida. Allstate also has an A.M. Best rating of A+ and a J.D. Power rating of 847/1000. 


USAA completes this list with a market share of 7.07%. It has 1,445,356 direct premiums written, and 1,431,650 direct premiums earned. This has earned USAA an A.M. Best rating of A++ and a J.D. Power Rating of 898/1000. This is the highest rating in Florida.

Factors that can influence the cost of car insurance in Clermont, FL are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Clermont, FL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Clermont, FL with that of other cities in and around Clermont.

Clermont Horizon West Montverde Winter Garden Ferndale Minneola
Average Insurance Rates $1,257 $2,305 $2,274 $1,432 $998 $2,144

Clermont, FL Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Clermont, FL based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Clermont $1,462 $1,235
Minneola $1,107 $935
Oakland $1,915 $1,617
Montverde $1,438 $1,215
Horizon West $1,516 $1,281
Tildenville $1,071 $905
Ferndale $1,028 $868
Winter Garden $1,855 $1,567

Clermont, FL Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Clermont, FL usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,079
20 Years $1,615
30 Years $1,244
40 Years $1,197
50 Years $1,108
60 Years $1,124
70 Years $1,308

Clermont, FL Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Clermont, FL can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,162 $352
3 Vehicles $3,243 $528
4 Vehicles $4,324 $704

Savings on 2 Vehicles bundle:$352

Savings on 3 Vehicles bundle:$528

Savings on 4 Vehicles bundle:$704

Clermont, FL Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Clermont, FL.

Location Average Insurance Cost Post DUI Insurance Rate
Clermont $1,257 $1,967
Minneola $2,144 $3,355
Oakland $2,284 $3,575
Montverde $2,274 $3,559
Horizon West $2,305 $3,607
Tildenville $2,089 $3,269
Ferndale $998 $1,562
Winter Garden $1,432 $2,241

Clermont, FL Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,078
Excellent (740-799) $1,231
Good (670-739) $1,310
Average (580-669) $1,709
Poor (300-579) $2,050

Clermont, FL Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Craig Martin State Farm 13330 W Colonial Dr Ste 110, Winter Garden, 34787-3976 407-656-1040
Ashok Pradhan Allstate 13848 Tilden Rd Ste 218, Winter Garden, 34787 (407) 264-0011
Solid Insurance Providers None 13506 Summerport Village Pkwy 13506 Summerport Village Pkwy , Windermere, 34786 None
Pattye Baxter-Hill State Farm 9444 W Colonial Dr, Ocoee, 34761-6800 407-523-2212
Kenneth E. Waitt Allstate 1324 S Grand Hwy, Clermont, 34711 (352) 243-9100
Lorenzo Hayward State Farm 1201 Wntr Gdn Vnlnd Rd Ste 4B, Winter Garden, 34787-4380 407-654-9131
Southern Insurance Group Inc Liberty Mutual Independent 2215 CLUSTER OAKS DR STE 1, CLERMONT, 34711 352-243-9000
Rocco English State Farm 7536 Dr Phillips Blvd Ste 320, Orlando, 32819-5153 407-351-5353
Interactive Insurance Agency Of America Llc Travelers 160 INTERNATIONAL PKWY SUITE 100, LAKE MARY, 32746 407-732-4633

Clermont, FL Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$55 $1,312
Driver's Failure In Showing Documents +$122 $1,379
Driving With An Expired Registration +$129 $1,386
Driving At A Considerably Slow Pace +$273 $1,530
Using A Cellphone While Driving +$288 $1,545
Running A Red Light +$293 $1,550
Speeding +$308 $1,565
Driving A Vehicle Without The Required Permission +$391 $1,648
Driving With An Expired/Suspended License +$847 $2,104

Clermont, FL Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,207
Active Disabling Device $1,207
Tracking Device $1,182
Passive Disabling Device $1,169

Latest Auto Insurance Reviews in Clermont, FL | Back to Top

Their app is extremely helpful and easy to navigate so I always know exactly what offerings my policy has and what my monthly premium is. I would definitely give them a 5 star rating.
Once again, Progressive came out with the lowest Premiums when compared to all other insurance carriers online. The deductibles could go higher than the competition.
Progressive is better than other insurance companies online and in person due to their customers service, transparency, and prices for their product and protections.
Farmer's Insurance
I'm ssure since they are new they could compare to competitors, but im not sure if they will last in the long run. We will see if this concept can succeed,
I would recommend USAA for car insurance- they have taken care of me from my first car through my first child. Knowing that I've got their coverage makes every drive feel a little safer.
Because I didn't check other insurance company I really couldn't say much about this one. But all the things they have fits me and is what I need.
State Farm
I would recommend State Farm. They are a good company with a good reputation and have been around a long time.
premium is fairly low and competive with other insurance companies for what USAA offers. I have no reason to change based on price point of insurance
Geico provides similar policy offerings to the other provider I am familiar with. This includes customizable insurance coverage, roadside assistance, rental car assistance and an online app that is easy to use.
Overall I like thew company. They are generally cheaper than leading companies and the coverage i have is very good.
The company has treated me well over all. The rates have not increased much since I got the insurance. The claim filing process was easy.
My premium seems to be a few dollars cheaper compared to other companies that offer the same, otherwise, there isn't much difference.
So far I have not had any reason to dislike this company. They have never caused me any issues.