Best Cheap Auto Insurance in Christmas, FL (2021)

The average Christmas, FL auto insurance rates are $379 per month. The minimum auto insurance in Christmas is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Christmas, 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: Jul 17, 2021

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Things to Remember

  • The average commute length in Christmas is 32.6 minutes
  • The cheapest auto insurance company in Christmas is USAA
  • The most expensive auto insurance company in Christmas for teen drivers is Allstate

Christmas, Florida auto insurance requirements are 10/20/10 according to Florida auto insurance laws. Finding cheap auto insurance in Christmas 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 Christmas, Florida, including driving record, credit, commute time, and more.

Compare auto insurance in Christmas to other Florida cities, including Orlando auto insurance rates, Tampa auto insurance rates, and Fort Lauderdale auto insurance rates to see how Christmas, Florida auto insurance rates stack up.

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

Minimum Auto Insurance in Christmas, Florida

Christmas, 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 Christmas, Florida.

Minimum Required Auto Insurance Coverage in Christmas, 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 Christmas, Florida Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Christmas, 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 Christmas, 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 $4,199 $4,009 $3,652 $3,706 $14,402 $15,592 $4,177 $4,234
GEICO $2,905 $2,915 $2,722 $2,722 $5,216 $6,533 $3,199 $3,238
Liberty Mutual $3,881 $3,881 $3,548 $3,548 $8,295 $12,826 $3,881 $5,295
Nationwide $2,877 $2,837 $2,567 $2,654 $6,956 $8,557 $3,169 $3,293
Progressive $3,819 $3,608 $3,278 $3,504 $10,911 $11,880 $4,622 $4,409
State Farm $1,983 $1,983 $1,798 $1,798 $5,900 $7,551 $2,208 $2,371
USAA $1,570 $1,542 $1,467 $1,453 $5,419 $6,293 $1,961 $2,115

Cheap Christmas, Florida Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Christmas, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $14,402 $15,592
GEICO $5,216 $6,533
Liberty Mutual $8,295 $12,826
Nationwide $6,956 $8,557
Progressive $10,911 $11,880
State Farm $5,900 $7,551
USAA $5,419 $6,293

Cheap Christmas, Florida Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Christmas, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,652 $3,706
GEICO $2,722 $2,722
Liberty Mutual $3,548 $3,548
Nationwide $2,567 $2,654
Progressive $3,278 $3,504
State Farm $1,798 $1,798
USAA $1,467 $1,453

Cheap Christmas, 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 Christmas, Florida compared to the annual auto insurance rates with a clean record in Christmas, Florida.

Annual Christmas, Florida Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,821 $6,973 $7,733 $6,458
GEICO $2,551 $3,273 $4,892 $4,009
Liberty Mutual $4,023 $5,272 $7,727 $5,555
Nationwide $3,504 $3,851 $5,202 $3,897
Progressive $4,513 $6,741 $5,656 $6,105
State Farm $2,920 $3,477 $3,199 $3,199
USAA $2,129 $2,635 $3,912 $2,233

Cheap Christmas, Florida Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Christmas, Florida

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,733
GEICO $4,892
Liberty Mutual $7,727
Nationwide $5,202
Progressive $5,656
State Farm $3,199
USAA $3,912

Cheap Christmas, Florida Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Christmas, Florida

Insurance Company Poor Fair Good
Allstate $9,442 $5,963 $4,834
GEICO $5,381 $3,240 $2,422
Liberty Mutual $7,298 $5,331 $4,304
Nationwide $5,148 $3,777 $3,416
Progressive $7,485 $5,329 $4,448
State Farm $4,393 $2,864 $2,340
USAA $4,439 $2,169 $1,574

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Cheap Christmas, Florida Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Christmas, Florida

ZIP Code Average Annual Rates
32709 $3,510

Cheap Christmas, Florida Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Christmas, Florida

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $6,554 $6,939
GEICO $3,664 $3,699
Liberty Mutual $5,459 $5,830
Nationwide $4,114 $4,114
Progressive $5,754 $5,754
State Farm $3,089 $3,309
USAA $2,697 $2,758

Cheap Christmas, Florida Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Christmas, Florida

Insurance Company Low Medium High
Allstate $5,233 $7,090 $7,916
GEICO $3,031 $3,808 $4,205
Liberty Mutual $5,178 $5,737 $6,018
Nationwide $3,239 $4,277 $4,825
Progressive $4,845 $5,886 $6,531
State Farm $2,725 $3,281 $3,591
USAA $2,365 $2,822 $2,996

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Best By Category: Cheapest Auto Insurance in Christmas, Florida

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

Best Annual Auto Insurance Rates by Company in Christmas, 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 Christmas, Florida Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Christmas, Florida

Insurance Company Average Annual Rates
Allstate $6,746
GEICO $3,681
Liberty Mutual $5,644
Nationwide $4,114
Progressive $5,754
State Farm $3,199
USAA $2,727

What affects auto insurance rates in Christmas, Florida?

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

Christmas Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Christmas, Florida commute length is 32.6 minutes according to City-Data.

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Compare Christmas, Florida Auto Insurance Quotes

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

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