Best Cheap Auto Insurance in Dunedin, FL (2021)

The average Dunedin, FL auto insurance rates are $446 per month. The minimum auto insurance in Dunedin is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Dunedin, 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 Dunedin for teen drivers is Allstate
  • Average auto insurance rates in Dunedin, FL for senior drivers are $3,229 per year
  • The minimum auto insurance required in Dunedin, Florida is 10/20/10

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

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

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

Minimum Auto Insurance in Dunedin, Florida

Dunedin, 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 Dunedin, Florida.

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

Auto insurance rates in Dunedin, 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 Dunedin, 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 $5,504 $5,254 $4,813 $4,880 $19,178 $20,902 $5,397 $5,446
GEICO $3,710 $3,732 $3,465 $3,465 $6,581 $8,257 $4,089 $4,158
Liberty Mutual $4,100 $4,100 $3,746 $3,746 $8,809 $13,645 $4,100 $5,612
Nationwide $3,370 $3,326 $3,011 $3,112 $8,128 $10,003 $3,714 $3,863
Progressive $4,104 $3,821 $3,501 $3,751 $11,566 $12,458 $4,887 $4,548
State Farm $2,342 $2,342 $2,127 $2,127 $6,998 $8,969 $2,613 $2,795
USAA $1,851 $1,815 $1,747 $1,722 $6,467 $7,447 $2,303 $2,474

Cheap Dunedin, Florida Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Dunedin, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $19,178 $20,902
GEICO $6,581 $8,257
Liberty Mutual $8,809 $13,645
Nationwide $8,128 $10,003
Progressive $11,566 $12,458
State Farm $6,998 $8,969
USAA $6,467 $7,447

Cheap Dunedin, Florida Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Dunedin, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,813 $4,880
GEICO $3,465 $3,465
Liberty Mutual $3,746 $3,746
Nationwide $3,011 $3,112
Progressive $3,501 $3,751
State Farm $2,127 $2,127
USAA $1,747 $1,722

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

Annual Dunedin, Florida Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $7,678 $9,237 $10,241 $8,532
GEICO $3,280 $4,175 $6,185 $5,089
Liberty Mutual $4,229 $5,579 $8,236 $5,885
Nationwide $4,102 $4,508 $6,091 $4,562
Progressive $4,813 $7,084 $5,991 $6,430
State Farm $3,457 $4,122 $3,789 $3,789
USAA $2,513 $3,120 $4,641 $2,638

Cheap Dunedin, Florida Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Dunedin, Florida

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $10,241
GEICO $6,185
Liberty Mutual $8,236
Nationwide $6,091
Progressive $5,991
State Farm $3,789
USAA $4,641

Cheap Dunedin, Florida Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Dunedin, Florida

Insurance Company Poor Fair Good
Allstate $12,544 $7,876 $6,345
GEICO $6,790 $4,135 $3,122
Liberty Mutual $7,745 $5,649 $4,553
Nationwide $6,024 $4,424 $4,000
Progressive $7,920 $5,637 $4,682
State Farm $5,214 $3,389 $2,764
USAA $5,224 $2,582 $1,878

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Cheap Dunedin, Florida Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Dunedin, Florida

ZIP Code Average Annual Rates
34683 $4,121
34698 $4,105

Cheap Dunedin, Florida Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Dunedin, Florida

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $8,665 $9,178
GEICO $4,659 $4,705
Liberty Mutual $5,784 $6,181
Nationwide $4,816 $4,816
Progressive $6,079 $6,079
State Farm $3,657 $3,921
USAA $3,191 $3,265

Cheap Dunedin, Florida Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Dunedin, Florida

Insurance Company Low Medium High
Allstate $6,583 $9,451 $10,732
GEICO $3,688 $4,866 $5,492
Liberty Mutual $5,424 $6,093 $6,429
Nationwide $3,634 $5,037 $5,776
Progressive $4,812 $6,257 $7,169
State Farm $3,181 $3,894 $4,292
USAA $2,697 $3,367 $3,621

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Best By Category: Cheapest Auto Insurance in Dunedin, Florida

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

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

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

Average Annual Auto Insurance Rates by Company in Dunedin, Florida

Insurance Company Average Annual Rates
Allstate $8,922
GEICO $4,682
Liberty Mutual $5,982
Nationwide $4,816
Progressive $6,079
State Farm $3,789
USAA $3,228

What affects auto insurance rates in Dunedin, Florida?

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

Dunedin Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Dunedin, Florida auto theft statistics, there have been 32 auto thefts in the city.

Dunedin Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Dunedin, Florida commute length is 24.8 minutes according to City-Data.

Dunedin Traffic

How does Dunedin, Florida rank for traffic? According to Inrix Dunedin, Florida is the 177th most congested worldwide.

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Compare Dunedin, Florida Auto Insurance Quotes

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