Best Cheap Auto Insurance in Desoto Lakes, FL (2021)

The average Desoto Lakes, FL auto insurance rates are $341 per month. The minimum auto insurance in Desoto Lakes is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Desoto Lakes, 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 Desoto Lakes for teen drivers is Allstate
  • The average commute length in Desoto Lakes is 22.6 minutes
  • Average auto insurance rates in Desoto Lakes, FL for senior drivers are $2,468 per year

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

Compare auto insurance in Desoto Lakes to other Florida cities, including Port St. Lucie auto insurance rates, Tampa auto insurance rates, and Jacksonville auto insurance rates to see how Desoto Lakes, Florida auto insurance rates stack up.

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

Minimum Auto Insurance in Desoto Lakes, Florida

Desoto Lakes, 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 Desoto Lakes, Florida.

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

Auto insurance rates in Desoto Lakes, 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 Desoto Lakes, 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 $3,870 $3,686 $3,349 $3,398 $13,177 $14,204 $3,874 $3,930
GEICO $2,498 $2,508 $2,338 $2,338 $4,485 $5,645 $2,753 $2,797
Liberty Mutual $3,211 $3,211 $2,948 $2,948 $6,713 $10,307 $3,211 $4,332
Nationwide $2,559 $2,531 $2,286 $2,366 $6,169 $7,619 $2,820 $2,942
Progressive $3,482 $3,285 $3,001 $3,203 $9,940 $10,830 $4,190 $4,007
State Farm $1,849 $1,849 $1,680 $1,680 $5,378 $6,864 $2,051 $2,202
USAA $1,620 $1,591 $1,515 $1,501 $5,588 $6,492 $2,022 $2,181

Cheap Desoto Lakes, Florida Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Desoto Lakes, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,177 $14,204
GEICO $4,485 $5,645
Liberty Mutual $6,713 $10,307
Nationwide $6,169 $7,619
Progressive $9,940 $10,830
State Farm $5,378 $6,864
USAA $5,588 $6,492

Cheap Desoto Lakes, Florida Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Desoto Lakes, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,349 $3,398
GEICO $2,338 $2,338
Liberty Mutual $2,948 $2,948
Nationwide $2,286 $2,366
Progressive $3,001 $3,203
State Farm $1,680 $1,680
USAA $1,515 $1,501

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

Annual Desoto Lakes, Florida Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,342 $6,388 $7,089 $5,924
GEICO $2,206 $2,822 $4,204 $3,450
Liberty Mutual $3,324 $4,315 $6,263 $4,539
Nationwide $3,133 $3,430 $4,607 $3,476
Progressive $4,121 $6,136 $5,151 $5,560
State Farm $2,694 $3,195 $2,944 $2,944
USAA $2,196 $2,718 $4,038 $2,304

Cheap Desoto Lakes, Florida Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Desoto Lakes, Florida

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,089
GEICO $4,204
Liberty Mutual $6,263
Nationwide $4,607
Progressive $5,151
State Farm $2,944
USAA $4,038

Cheap Desoto Lakes, Florida Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Desoto Lakes, Florida

Insurance Company Poor Fair Good
Allstate $8,627 $5,476 $4,455
GEICO $4,623 $2,793 $2,094
Liberty Mutual $5,922 $4,361 $3,547
Nationwide $4,572 $3,365 $3,048
Progressive $6,814 $4,854 $4,059
State Farm $4,018 $2,643 $2,172
USAA $4,567 $2,243 $1,632

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Cheap Desoto Lakes, Florida Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Desoto Lakes, Florida

ZIP Code Average Annual Rates
34235 $3,159

Cheap Desoto Lakes, Florida Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Desoto Lakes, Florida

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $6,010 $6,362
GEICO $3,155 $3,186
Liberty Mutual $4,463 $4,757
Nationwide $3,662 $3,662
Progressive $5,242 $5,242
State Farm $2,845 $3,043
USAA $2,782 $2,846

Cheap Desoto Lakes, Florida Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Desoto Lakes, Florida

Insurance Company Low Medium High
Allstate $4,986 $6,459 $7,113
GEICO $2,609 $3,281 $3,621
Liberty Mutual $4,234 $4,679 $4,917
Nationwide $2,936 $3,798 $4,250
Progressive $4,408 $5,364 $5,954
State Farm $2,510 $3,015 $3,308
USAA $2,423 $2,915 $3,103

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Best By Category: Cheapest Auto Insurance in Desoto Lakes, Florida

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

Best Annual Auto Insurance Rates by Company in Desoto Lakes, 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 Desoto Lakes, Florida Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Desoto Lakes, Florida

Insurance Company Average Annual Rates
Allstate $6,186
GEICO $3,170
Liberty Mutual $4,610
Nationwide $3,662
Progressive $5,242
State Farm $2,944
USAA $2,814

What affects auto insurance rates in Desoto Lakes, Florida?

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

Desoto Lakes Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Desoto Lakes, Florida commute length is 22.6 minutes according to City-Data.

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Compare Desoto Lakes, Florida Auto Insurance Quotes

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