Best Cheap Auto Insurance in Cross City, FL (2021)

The average Cross City, FL auto insurance rates are $307 per month. The minimum auto insurance in Cross City is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Cross City, 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 minimum auto insurance required in Cross City, Florida is 10/20/10
  • The average commute length in Cross City is 19.1 minutes
  • Average auto insurance rates in Cross City, FL for senior drivers are $2,251 per year

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

Compare auto insurance in Cross City to other Florida cities, including Hialeah auto insurance rates, Miami auto insurance rates, and Jacksonville auto insurance rates to see how Cross City, Florida auto insurance rates stack up.

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

Minimum Auto Insurance in Cross City, Florida

Cross City, 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 Cross City, Florida.

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

Auto insurance rates in Cross City, 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 Cross City, 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 $3,603 $3,445 $3,120 $3,167 $11,907 $12,801 $3,637 $3,704
GEICO $2,495 $2,518 $2,329 $2,329 $4,360 $5,529 $2,752 $2,828
Liberty Mutual $2,988 $2,988 $2,747 $2,747 $6,189 $9,472 $2,988 $4,010
Nationwide $2,302 $2,284 $2,057 $2,134 $5,480 $6,791 $2,533 $2,652
Progressive $3,049 $2,899 $2,627 $2,817 $8,343 $9,190 $3,688 $3,596
State Farm $1,581 $1,581 $1,435 $1,435 $4,538 $5,795 $1,749 $1,880
USAA $1,387 $1,368 $1,282 $1,281 $4,617 $5,403 $1,740 $1,889

Cheap Cross City, Florida Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Cross City, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,907 $12,801
GEICO $4,360 $5,529
Liberty Mutual $6,189 $9,472
Nationwide $5,480 $6,791
Progressive $8,343 $9,190
State Farm $4,538 $5,795
USAA $4,617 $5,403

Cheap Cross City, Florida Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Cross City, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,120 $3,167
GEICO $2,329 $2,329
Liberty Mutual $2,747 $2,747
Nationwide $2,057 $2,134
Progressive $2,627 $2,817
State Farm $1,435 $1,435
USAA $1,282 $1,281

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

Annual Cross City, Florida Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,925 $5,856 $6,471 $5,440
GEICO $2,252 $2,820 $4,097 $3,401
Liberty Mutual $3,116 $4,004 $5,742 $4,202
Nationwide $2,824 $3,078 $4,094 $3,120
Progressive $3,606 $5,263 $4,445 $4,790
State Farm $2,291 $2,708 $2,499 $2,499
USAA $1,875 $2,293 $3,354 $1,961

Cheap Cross City, Florida Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Cross City, Florida

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,471
GEICO $4,097
Liberty Mutual $5,742
Nationwide $4,094
Progressive $4,445
State Farm $2,499
USAA $3,354

Cheap Cross City, Florida Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Cross City, Florida

Insurance Company Poor Fair Good
Allstate $7,932 $5,011 $4,075
GEICO $4,487 $2,794 $2,147
Liberty Mutual $5,464 $4,039 $3,295
Nationwide $4,095 $3,013 $2,729
Progressive $5,924 $4,180 $3,475
State Farm $3,393 $2,249 $1,856
USAA $3,880 $1,875 $1,358

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Cheap Cross City, Florida Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Cross City, Florida

ZIP Code Average Annual Rates
32628 $2,842

Cheap Cross City, Florida Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Cross City, Florida

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,509 $5,836
GEICO $3,126 $3,159
Liberty Mutual $4,132 $4,400
Nationwide $3,279 $3,279
Progressive $4,526 $4,526
State Farm $2,416 $2,582
USAA $2,344 $2,398

Cheap Cross City, Florida Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Cross City, Florida

Insurance Company Low Medium High
Allstate $4,560 $5,924 $6,534
GEICO $2,648 $3,236 $3,544
Liberty Mutual $3,917 $4,327 $4,554
Nationwide $2,669 $3,395 $3,774
Progressive $3,930 $4,612 $5,037
State Farm $2,142 $2,557 $2,799
USAA $2,083 $2,445 $2,584

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Best By Category: Cheapest Auto Insurance in Cross City, Florida

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

Best Annual Auto Insurance Rates by Company in Cross City, Florida

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

The Cheapest Cross City, Florida Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Cross City, Florida

Insurance Company Average Annual Rates
Allstate $5,673
GEICO $3,142
Liberty Mutual $4,266
Nationwide $3,279
Progressive $4,526
State Farm $2,499
USAA $2,371

What affects auto insurance rates in Cross City, Florida?

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

Cross City Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Cross City, Florida auto theft statistics, there have been 1 auto thefts in the city.

Cross City Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Cross City, Florida commute length is 19.1 minutes according to City-Data.

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Compare Cross City, Florida Auto Insurance Quotes

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