Best Cheap Auto Insurance in Cocoa, FL (2021)

The average Cocoa, FL auto insurance rates are $330 per month. The minimum auto insurance in Cocoa is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Cocoa, 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 most expensive auto insurance company in Cocoa for teen drivers is Allstate
  • The minimum auto insurance required in Cocoa, Florida is 10/20/10
  • The average commute length in Cocoa is 28.2 minutes

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

Compare auto insurance in Cocoa to other Florida cities, including Orlando auto insurance rates, Jacksonville auto insurance rates, and Tallahassee auto insurance rates to see how Cocoa, Florida auto insurance rates stack up.

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

Minimum Auto Insurance in Cocoa, Florida

Cocoa, 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 Cocoa, Florida.

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

Auto insurance rates in Cocoa, 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 Cocoa, 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 $4,068 $3,898 $3,548 $3,607 $14,022 $15,247 $4,061 $4,122
GEICO $2,651 $2,664 $2,485 $2,485 $4,746 $5,988 $2,922 $2,973
Liberty Mutual $3,079 $3,079 $2,829 $2,829 $6,404 $9,815 $3,079 $4,142
Nationwide $2,441 $2,413 $2,187 $2,261 $5,773 $7,101 $2,683 $2,792
Progressive $3,346 $3,154 $2,879 $3,078 $9,357 $10,192 $4,015 $3,835
State Farm $1,761 $1,761 $1,602 $1,602 $4,850 $6,222 $1,952 $2,078
USAA $1,303 $1,279 $1,219 $1,207 $4,428 $5,141 $1,620 $1,744

Cheap Cocoa, Florida Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Cocoa, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $14,022 $15,247
GEICO $4,746 $5,988
Liberty Mutual $6,404 $9,815
Nationwide $5,773 $7,101
Progressive $9,357 $10,192
State Farm $4,850 $6,222
USAA $4,428 $5,141

Cheap Cocoa, Florida Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Cocoa, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,548 $3,607
GEICO $2,485 $2,485
Liberty Mutual $2,829 $2,829
Nationwide $2,187 $2,261
Progressive $2,879 $3,078
State Farm $1,602 $1,602
USAA $1,219 $1,207

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

Annual Cocoa, Florida Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,670 $6,787 $7,537 $6,292
GEICO $2,354 $2,999 $4,447 $3,657
Liberty Mutual $3,196 $4,130 $5,961 $4,340
Nationwide $2,961 $3,242 $4,341 $3,281
Progressive $3,944 $5,809 $4,899 $5,276
State Farm $2,496 $2,960 $2,728 $2,728
USAA $1,755 $2,167 $3,208 $1,840

Cheap Cocoa, Florida Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Cocoa, Florida

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,537
GEICO $4,447
Liberty Mutual $5,961
Nationwide $4,341
Progressive $4,899
State Farm $2,728
USAA $3,208

Cheap Cocoa, Florida Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Cocoa, Florida

Insurance Company Poor Fair Good
Allstate $9,191 $5,810 $4,714
GEICO $4,889 $2,969 $2,235
Liberty Mutual $5,651 $4,171 $3,399
Nationwide $4,308 $3,180 $2,881
Progressive $6,498 $4,608 $3,840
State Farm $3,724 $2,449 $2,012
USAA $3,634 $1,789 $1,305

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Cheap Cocoa, Florida Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Cocoa, Florida

ZIP Code Average Annual Rates
32922 $3,081
32926 $3,080
32927 $3,030

Cheap Cocoa, Florida Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Cocoa, Florida

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $6,384 $6,760
GEICO $3,348 $3,381
Liberty Mutual $4,268 $4,546
Nationwide $3,456 $3,456
Progressive $4,982 $4,982
State Farm $2,634 $2,822
USAA $2,217 $2,268

Cheap Cocoa, Florida Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Cocoa, Florida

Insurance Company Low Medium High
Allstate $5,059 $6,915 $7,741
GEICO $2,714 $3,489 $3,890
Liberty Mutual $4,030 $4,474 $4,717
Nationwide $2,690 $3,601 $4,078
Progressive $4,168 $5,098 $5,679
State Farm $2,323 $2,794 $3,067
USAA $1,945 $2,319 $2,463

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Best By Category: Cheapest Auto Insurance in Cocoa, Florida

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

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

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

Average Annual Auto Insurance Rates by Company in Cocoa, Florida

Insurance Company Average Annual Rates
Allstate $6,572
GEICO $3,364
Liberty Mutual $4,407
Nationwide $3,456
Progressive $4,982
State Farm $2,728
USAA $2,243

What affects auto insurance rates in Cocoa, Florida?

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

Cocoa Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Cocoa, Florida auto theft statistics, there have been 60 auto thefts in the city.

Cocoa Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Cocoa, Florida commute length is 28.2 minutes according to City-Data.

Cocoa Traffic

How does Cocoa, Florida rank for traffic? According to Inrix Cocoa, Florida is the 896th most congested worldwide.

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Compare Cocoa, Florida Auto Insurance Quotes

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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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