Best Cheap Auto Insurance in Charlotte Harbor, FL (2021)

The average Charlotte Harbor, FL auto insurance rates are $320 per month. The minimum auto insurance in Charlotte Harbor is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Charlotte Harbor, Florida, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The cheapest auto insurance company in Charlotte Harbor is USAA
  • Average auto insurance rates in Charlotte Harbor, FL for senior drivers are $2,337 per year
  • The average commute length in Charlotte Harbor is 32.3 minutes

Charlotte Harbor, Florida auto insurance requirements are 10/20/10 according to Florida auto insurance laws. Finding cheap auto insurance in Charlotte Harbor can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Charlotte Harbor, Florida, including driving record, credit, commute time, and more.

Compare auto insurance in Charlotte Harbor to other Florida cities, including St. Petersburg auto insurance rates, Hialeah auto insurance rates, and Miami auto insurance rates to see how Charlotte Harbor, Florida auto insurance rates stack up.

Before you buy Charlotte Harbor, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Charlotte Harbor, Florida auto insurance quotes.

Minimum Auto Insurance in Charlotte Harbor, Florida

Charlotte Harbor, Florida auto insurance laws require that you have at least the Florida minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Charlotte Harbor, Florida.

Minimum Required Auto Insurance Coverage in Charlotte Harbor, Florida

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $10,000 per person
$20,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Cheap Charlotte Harbor, Florida Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Charlotte Harbor, Florida are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Charlotte Harbor, Florida

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,705 $3,536 $3,217 $3,267 $12,715 $13,744 $3,708 $3,761
GEICO $2,498 $2,508 $2,338 $2,338 $4,485 $5,645 $2,753 $2,797
Liberty Mutual $3,065 $3,065 $2,816 $2,816 $6,369 $9,760 $3,065 $4,122
Nationwide $2,494 $2,463 $2,229 $2,306 $5,944 $7,318 $2,742 $2,853
Progressive $3,329 $3,144 $2,869 $3,066 $9,347 $10,196 $4,005 $3,832
State Farm $1,673 $1,673 $1,519 $1,519 $4,841 $6,149 $1,855 $1,988
USAA $1,294 $1,273 $1,210 $1,200 $4,394 $5,097 $1,613 $1,740

Cheap Charlotte Harbor, Florida Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Charlotte Harbor, Florida is a challenge. Take a look at the annual teen auto insurance rates in Charlotte Harbor, Florida.

Annual Auto Insurance Rates for Teen Drivers in Charlotte Harbor, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,715 $13,744
GEICO $4,485 $5,645
Liberty Mutual $6,369 $9,760
Nationwide $5,944 $7,318
Progressive $9,347 $10,196
State Farm $4,841 $6,149
USAA $4,394 $5,097

Cheap Charlotte Harbor, Florida Auto Insurance for Seniors

What are senior auto insurance rates in Charlotte Harbor, Florida? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Charlotte Harbor, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,217 $3,267
GEICO $2,338 $2,338
Liberty Mutual $2,816 $2,816
Nationwide $2,229 $2,306
Progressive $2,869 $3,066
State Farm $1,519 $1,519
USAA $1,210 $1,200

Cheap Charlotte Harbor, Florida Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Charlotte Harbor, Florida compared to the annual auto insurance rates with a clean record in Charlotte Harbor, Florida.

Annual Charlotte Harbor, Florida Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,139 $6,149 $6,835 $5,704
GEICO $2,206 $2,822 $4,204 $3,450
Liberty Mutual $3,177 $4,108 $5,936 $4,318
Nationwide $3,033 $3,323 $4,455 $3,363
Progressive $3,931 $5,805 $4,890 $5,268
State Farm $2,426 $2,878 $2,652 $2,652
USAA $1,748 $2,154 $3,178 $1,832

Cheap Charlotte Harbor, Florida Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Charlotte Harbor, Florida is not easy. Compare the annual rates for DUI auto insurance in Charlotte Harbor, Florida to find the best deal.

Annual Auto Insurance Rates After a DUI in Charlotte Harbor, Florida

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,835
GEICO $4,204
Liberty Mutual $5,936
Nationwide $4,455
Progressive $4,890
State Farm $2,652
USAA $3,178

Cheap Charlotte Harbor, Florida Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Charlotte Harbor, Florida annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Charlotte Harbor, Florida

Insurance Company Poor Fair Good
Allstate $8,302 $5,275 $4,293
GEICO $4,623 $2,793 $2,094
Liberty Mutual $5,623 $4,150 $3,382
Nationwide $4,429 $3,256 $2,946
Progressive $6,484 $4,600 $3,837
State Farm $3,621 $2,380 $1,955
USAA $3,617 $1,775 $1,292

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Cheap Charlotte Harbor, Florida Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Charlotte Harbor, Florida can vary. Compare the annual cost of auto insurance by ZIP code in Charlotte Harbor, Florida to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Charlotte Harbor, Florida

ZIP Code Average Annual Rates
33952 $2,976
33980 $2,976

Cheap Charlotte Harbor, Florida Auto Insurance Rates By Commute

Commute length and annual mileage affect Charlotte Harbor, Florida auto insurance. Find the cheapest annual Charlotte Harbor, Florida auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Charlotte Harbor, Florida

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,788 $6,125
GEICO $3,155 $3,186
Liberty Mutual $4,246 $4,524
Nationwide $3,544 $3,544
Progressive $4,974 $4,974
State Farm $2,562 $2,742
USAA $2,203 $2,253

Cheap Charlotte Harbor, Florida Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Charlotte Harbor, Florida? Check out the comparison of annual Charlotte Harbor, Florida auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Charlotte Harbor, Florida

Insurance Company Low Medium High
Allstate $4,757 $6,230 $6,884
GEICO $2,609 $3,281 $3,621
Liberty Mutual $4,030 $4,448 $4,677
Nationwide $2,824 $3,679 $4,128
Progressive $4,171 $5,088 $5,661
State Farm $2,282 $2,713 $2,962
USAA $1,925 $2,306 $2,452

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Best By Category: Cheapest Auto Insurance in Charlotte Harbor, Florida

Compare the cheapest auto insurance companies in Charlotte Harbor, Florida in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Charlotte Harbor, Florida

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

The Cheapest Charlotte Harbor, Florida Auto Insurance Companies

What auto insurance companies in Charlotte Harbor, Florida are the cheapest? Compare the top Charlotte Harbor, Florida auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Charlotte Harbor, Florida

Insurance Company Average Annual Rates
Allstate $5,957
GEICO $3,170
Liberty Mutual $4,385
Nationwide $3,544
Progressive $4,973
State Farm $2,652
USAA $2,228

What affects auto insurance rates in Charlotte Harbor, Florida?

There are a lot of reasons why auto insurance rates in Charlotte Harbor, Florida are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Charlotte Harbor, Florida. Many local factors may affect your Charlotte Harbor auto insurance rates.

Charlotte Harbor Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Charlotte Harbor, Florida commute length is 32.3 minutes according to City-Data.

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Compare Charlotte Harbor, Florida Auto Insurance Quotes

Before you buy Charlotte Harbor, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Charlotte Harbor, Florida auto insurance quotes.

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