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

The average Florida City, FL auto insurance rates are $573 per month. The minimum auto insurance in Florida City is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Florida 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

  • Average auto insurance rates in Florida City, FL for senior drivers are $4,161 per year
  • The cheapest auto insurance company in Florida City is USAA
  • The most expensive auto insurance company in Florida City for teen drivers is Allstate

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

Compare auto insurance in Florida City to other Florida cities, including Port St. Lucie auto insurance rates, Jacksonville auto insurance rates, and Fort Lauderdale auto insurance rates to see how Florida City, Florida auto insurance rates stack up.

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

Minimum Auto Insurance in Florida City, Florida

Florida 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 Florida City, Florida.

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

Auto insurance rates in Florida 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 Florida 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 $6,778 $6,296 $5,806 $5,795 $22,255 $23,621 $6,423 $6,382
GEICO $4,494 $4,524 $4,173 $4,173 $7,945 $9,855 $4,959 $5,020
Liberty Mutual $5,625 $5,625 $5,132 $5,132 $12,195 $18,929 $5,625 $7,714
Nationwide $4,690 $4,634 $4,155 $4,321 $11,310 $14,005 $5,172 $5,398
Progressive $5,091 $4,813 $4,316 $4,651 $14,503 $15,894 $6,243 $5,994
State Farm $3,516 $3,516 $3,154 $3,154 $9,545 $11,847 $3,919 $4,098
USAA $2,320 $2,288 $2,147 $2,144 $7,970 $9,316 $2,932 $3,190

Cheap Florida City, Florida Auto Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $22,255 $23,621
GEICO $7,945 $9,855
Liberty Mutual $12,195 $18,929
Nationwide $11,310 $14,005
Progressive $14,503 $15,894
State Farm $9,545 $11,847
USAA $7,970 $9,316

Cheap Florida City, Florida Auto Insurance for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $5,806 $5,795
GEICO $4,173 $4,173
Liberty Mutual $5,132 $5,132
Nationwide $4,155 $4,321
Progressive $4,316 $4,651
State Farm $3,154 $3,154
USAA $2,147 $2,144

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

Annual Florida City, Florida Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,006 $10,875 $11,844 $9,952
GEICO $3,911 $5,017 $7,499 $6,145
Liberty Mutual $5,986 $7,740 $11,139 $8,123
Nationwide $5,734 $6,292 $8,452 $6,364
Progressive $6,056 $8,988 $7,558 $8,150
State Farm $4,871 $5,817 $5,344 $5,344
USAA $3,175 $3,903 $5,750 $3,325

Cheap Florida City, Florida Auto Insurance Rates After a DUI

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

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $11,844
GEICO $7,499
Liberty Mutual $11,139
Nationwide $8,452
Progressive $7,558
State Farm $5,344
USAA $5,750

Cheap Florida City, Florida Auto Insurance By Credit History

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

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

Insurance Company Poor Fair Good
Allstate $14,803 $9,158 $7,298
GEICO $8,226 $4,972 $3,731
Liberty Mutual $10,704 $7,780 $6,257
Nationwide $8,488 $6,133 $5,511
Progressive $10,001 $7,140 $5,923
State Farm $7,372 $4,775 $3,885
USAA $6,609 $3,196 $2,311

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Cheap Florida City, Florida Auto Insurance Rates By Commute

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

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

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $10,123 $10,716
GEICO $5,615 $5,671
Liberty Mutual $7,972 $8,522
Nationwide $6,711 $6,711
Progressive $7,688 $7,688
State Farm $5,137 $5,551
USAA $3,992 $4,085

Cheap Florida City, Florida Auto Insurance Rates By Coverage Level

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

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

Insurance Company Low Medium High
Allstate $7,968 $10,979 $12,312
GEICO $4,863 $5,797 $6,269
Liberty Mutual $7,619 $8,365 $8,757
Nationwide $5,303 $6,976 $7,853
Progressive $6,480 $7,859 $8,725
State Farm $4,733 $5,444 $5,854
USAA $3,476 $4,187 $4,452

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

Compare the cheapest auto insurance companies in Florida 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 Florida City, 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

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The Cheapest Florida City, Florida Auto Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $10,420
GEICO $5,643
Liberty Mutual $8,247
Nationwide $6,711
Progressive $7,688
State Farm $5,344
USAA $4,038

What affects auto insurance rates in Florida City, Florida?

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

Florida 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 Florida City, Florida auto theft statistics, there have been 54 auto thefts in the city.

Florida City Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Florida City, Florida commute length is 37.4 minutes according to City-Data.

Compare Florida City, Florida Auto Insurance Quotes

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