Polk County, FL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Polk County, 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.
Factors that can influence the cost of car insurance in Polk County, 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.
- Polk County, FL Auto Insurance Rates
- Polk County, FL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Polk County, FL
- Multi Vehicle Insurance Savings in Polk County, FL
- How Credit Score Affects Car Insurance Rates in Polk County, FL
- How DUI Affects Auto Insurance Premiums in Polk County, FL
- Top Auto Insurance Agents Near Polk County, FL
- How Driving Violations Affect Auto Insurance Rates in Polk County, FL
- Polk County, FL Auto Insurance Discounts on Anti Theft Feature
Polk County, FL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Polk County, FL with that of other cities in and around Polk County.
| Polk County | Wahneta | Cypress Gardens | Waverly | Dundee | Winter Haven-Auburndale | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,859 | $2,021 | $2,137 | $2,044 | $2,086 | $2,077 |
Polk County, 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 Polk County, 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) |
|---|---|---|
| Polk County | $1,601 | $1,352 |
| Wahneta | $1,879 | $1,587 |
| Cypress Gardens | $1,018 | $860 |
| Eagle Lake | $2,442 | $2,063 |
| Waverly | $1,298 | $1,096 |
| Winter Haven-Auburndale | $1,971 | $1,665 |
| Winter Haven | $1,657 | $1,400 |
| Dundee | $1,949 | $1,646 |
Polk County, FL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Polk County, 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 | $6,032 |
| 20 Years | $2,389 |
| 30 Years | $1,840 |
| 40 Years | $1,770 |
| 50 Years | $1,639 |
| 60 Years | $1,662 |
| 70 Years | $1,935 |
Polk County, FL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Polk County, 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 | $3,197 | $521 |
| 3 Vehicles | $4,796 | $781 |
| 4 Vehicles | $6,395 | $1,041 |
Savings on 2 Vehicles bundle:$521
Savings on 3 Vehicles bundle:$781
Savings on 4 Vehicles bundle:$1,041
Polk County, 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 Polk County, FL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Polk County | $1,859 | $2,909 |
| Wahneta | $2,021 | $3,163 |
| Cypress Gardens | $2,137 | $3,345 |
| Eagle Lake | $2,068 | $3,237 |
| Waverly | $2,044 | $3,199 |
| Winter Haven-Auburndale | $2,077 | $3,251 |
| Winter Haven | $1,483 | $2,321 |
| Dundee | $2,086 | $3,265 |
Polk County, 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) | $1,595 |
| Excellent (740-799) | $1,821 |
| Good (670-739) | $1,937 |
| Average (580-669) | $2,527 |
| Poor (300-579) | $3,032 |
Polk County, 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 |
|---|---|---|---|
| Heacock Insurance Group | Travelers | 100 E Main St, Lakeland, 33801 | None |
| Jonathan Adkinson | Allstate | 343 W Central Ave Ste 101, Lake Wales, 33853 | (863) 676-8251 |
| Rob Semans | State Farm | 639 1st St S, Winter Haven, 33880-3604 | 863-299-1274 |
| Cheryl Beckert | State Farm | 631 E Central Avenue, Winter Haven, 33880-3056 | 863-294-3580 |
| Mike Pearce | State Farm | 132 W Central Ave, Lake Wales, 33853-4012 | 863-676-8511 |
| Gibson & Wirt Inc | Liberty Mutual Independent | 125 E MAIN ST, BARTOW, 33830 | 863-533-3131 |
| Gibson & Wirt Inc | Liberty Mutual Independent | 125 E MAIN ST, BARTOW, 33830 | 863-533-3131 |
| Kevin Weltlin | State Farm | 23865 US Hwy 27 N, Lake Wales, 33859 | 863-676-6633 |
| Johnson & Hoge Insurance Group Inc | Travelers | 5380 S FLORIDA AVE, LAKELAND, 33813 | 863-646-2104 |
| Thornabbey Llc | Travelers | 370 CYPRESS GARDENS BLVD, WINTER HAVEN, 33880 | 863-229-8104 |
| Webb Insurance Group | None | 3212 S Dale Mabry Hwy, Tampa, 33629 | None |
| Five Brothers Insurance Agency | Travelers | 3635 SOUTH DALE MABRY HWY, TAMPA, 33629 | 813-835-0004 |
| Ewing, Blackwelder & Duce Of Bartrow Inc | None | 1925 E Edgewood Dr Ste 104 Lakeland, Winter Haven, 33803 | None |
| Jackson, Dejongh & Associates, Llc | None | 238 E Davis Blvd Ste 215, Tampa, 33606 | None |
Polk County, 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 | +$82 | $1,941 |
| Driver's Failure In Showing Documents | +$180 | $2,039 |
| Driving With An Expired Registration | +$191 | $2,050 |
| Driving At A Considerably Slow Pace | +$403 | $2,262 |
| Using A Cellphone While Driving | +$426 | $2,285 |
| Running A Red Light | +$433 | $2,292 |
| Speeding | +$455 | $2,314 |
| Driving A Vehicle Without The Required Permission | +$578 | $2,437 |
| Driving With An Expired/Suspended License | +$1,253 | $3,112 |
Polk County, 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 | $1,785 |
| Active Disabling Device | $1,785 |
| Tracking Device | $1,747 |
| Passive Disabling Device | $1,729 |