Best Cheap Auto Insurance in Fernandina Beach, FL (2021)

The average Fernandina Beach, FL auto insurance rates are $342 per month. The minimum auto insurance in Fernandina Beach is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Fernandina Beach, Florida, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

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.

Full Bio →

Written by

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...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • Average auto insurance rates in Fernandina Beach, FL for senior drivers are $2,480 per year
  • The most expensive auto insurance company in Fernandina Beach for teen drivers is Allstate
  • The minimum auto insurance required in Fernandina Beach, Florida is 10/20/10

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

Compare auto insurance in Fernandina Beach to other Florida cities, including Cape Coral auto insurance rates, Miami auto insurance rates, and Port St. Lucie auto insurance rates to see how Fernandina Beach, Florida auto insurance rates stack up.

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

Minimum Auto Insurance in Fernandina Beach, Florida

Fernandina Beach, 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 Fernandina Beach, Florida.

Minimum Required Auto Insurance Coverage in Fernandina Beach, 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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheap Fernandina Beach, Florida Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Fernandina Beach, 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 Fernandina Beach, 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 $4,288 $4,087 $3,714 $3,767 $14,449 $15,591 $4,291 $4,351
GEICO $2,459 $2,471 $2,302 $2,302 $4,409 $5,562 $2,712 $2,760
Liberty Mutual $3,348 $3,348 $3,066 $3,066 $7,090 $10,927 $3,348 $4,543
Nationwide $2,537 $2,511 $2,267 $2,347 $6,089 $7,524 $2,794 $2,917
Progressive $3,461 $3,273 $2,980 $3,193 $9,799 $10,757 $4,187 $4,039
State Farm $1,719 $1,719 $1,546 $1,546 $4,900 $6,272 $1,898 $2,054
USAA $1,422 $1,403 $1,313 $1,313 $4,748 $5,572 $1,786 $1,941

Cheap Fernandina Beach, Florida Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Fernandina Beach, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $14,449 $15,591
GEICO $4,409 $5,562
Liberty Mutual $7,090 $10,927
Nationwide $6,089 $7,524
Progressive $9,799 $10,757
State Farm $4,900 $6,272
USAA $4,748 $5,572

Cheap Fernandina Beach, Florida Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Fernandina Beach, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,714 $3,767
GEICO $2,302 $2,302
Liberty Mutual $3,066 $3,066
Nationwide $2,267 $2,347
Progressive $2,980 $3,193
State Farm $1,546 $1,546
USAA $1,313 $1,313

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

Annual Fernandina Beach, Florida Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,898 $7,041 $7,799 $6,532
GEICO $2,181 $2,782 $4,131 $3,395
Liberty Mutual $3,505 $4,538 $6,556 $4,768
Nationwide $3,106 $3,397 $4,549 $3,442
Progressive $4,119 $6,085 $5,120 $5,521
State Farm $2,486 $2,927 $2,707 $2,707
USAA $1,924 $2,356 $3,455 $2,013

Cheap Fernandina Beach, Florida Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Fernandina Beach, Florida

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,799
GEICO $4,131
Liberty Mutual $6,556
Nationwide $4,549
Progressive $5,120
State Farm $2,707
USAA $3,455

Cheap Fernandina Beach, Florida Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Fernandina Beach, Florida

Insurance Company Poor Fair Good
Allstate $9,530 $6,029 $4,894
GEICO $4,542 $2,754 $2,071
Liberty Mutual $6,242 $4,576 $3,707
Nationwide $4,527 $3,329 $3,014
Progressive $6,778 $4,826 $4,029
State Farm $3,653 $2,441 $2,026
USAA $3,976 $1,931 $1,404

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheap Fernandina Beach, Florida Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Fernandina Beach, Florida

ZIP Code Average Annual Rates
32034 $3,175

Cheap Fernandina Beach, Florida Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Fernandina Beach, Florida

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $6,619 $7,016
GEICO $3,107 $3,138
Liberty Mutual $4,685 $4,999
Nationwide $3,623 $3,623
Progressive $5,211 $5,211
State Farm $2,617 $2,797
USAA $2,410 $2,465

Cheap Fernandina Beach, Florida Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Fernandina Beach, Florida

Insurance Company Low Medium High
Allstate $5,448 $7,126 $7,878
GEICO $2,575 $3,229 $3,563
Liberty Mutual $4,451 $4,919 $5,156
Nationwide $2,920 $3,756 $4,193
Progressive $4,375 $5,330 $5,929
State Farm $2,367 $2,761 $2,992
USAA $2,145 $2,513 $2,653

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Best By Category: Cheapest Auto Insurance in Fernandina Beach, Florida

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

Best Annual Auto Insurance Rates by Company in Fernandina Beach, 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 Fernandina Beach, Florida Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Fernandina Beach, Florida

Insurance Company Average Annual Rates
Allstate $6,817
GEICO $3,122
Liberty Mutual $4,842
Nationwide $3,623
Progressive $5,211
State Farm $2,707
USAA $2,437

What affects auto insurance rates in Fernandina Beach, Florida?

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

Fernandina Beach Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Fernandina Beach, Florida auto theft statistics, there have been 21 auto thefts in the city.

Fernandina Beach Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Fernandina Beach, Florida commute length is 24.2 minutes according to City-Data.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Compare Fernandina Beach, Florida Auto Insurance Quotes

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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption