Best Cheap Auto Insurance in Key Largo, FL (2021)

The average Key Largo, FL auto insurance rates are $377 per month. The minimum auto insurance in Key Largo is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Key Largo, Florida, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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 average commute length in Key Largo is 24.4 minutes
  • The cheapest auto insurance company in Key Largo is USAA
  • The most expensive auto insurance company in Key Largo for teen drivers is Allstate

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

Compare auto insurance in Key Largo to other Florida cities, including Miami auto insurance rates, Jacksonville auto insurance rates, and Cape Coral auto insurance rates to see how Key Largo, Florida auto insurance rates stack up.

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

Minimum Auto Insurance in Key Largo, Florida

Key Largo, 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 Key Largo, Florida.

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

Auto insurance rates in Key Largo, 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 Key Largo, 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 $4,284 $4,114 $3,735 $3,815 $15,698 $17,137 $4,303 $4,382
GEICO $3,037 $3,062 $2,838 $2,838 $5,433 $6,950 $3,359 $3,456
Liberty Mutual $3,534 $3,534 $3,237 $3,237 $7,485 $11,536 $3,534 $4,793
Nationwide $2,917 $2,901 $2,593 $2,698 $7,060 $8,811 $3,227 $3,395
Progressive $3,341 $3,173 $2,890 $3,095 $9,662 $10,688 $4,061 $3,979
State Farm $2,290 $2,290 $2,067 $2,067 $6,728 $8,581 $2,545 $2,737
USAA $1,460 $1,439 $1,352 $1,351 $4,941 $5,792 $1,835 $1,994

Cheap Key Largo, Florida Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Key Largo, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $15,698 $17,137
GEICO $5,433 $6,950
Liberty Mutual $7,485 $11,536
Nationwide $7,060 $8,811
Progressive $9,662 $10,688
State Farm $6,728 $8,581
USAA $4,941 $5,792

Cheap Key Largo, Florida Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Key Largo, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,735 $3,815
GEICO $2,838 $2,838
Liberty Mutual $3,237 $3,237
Nationwide $2,593 $2,698
Progressive $2,890 $3,095
State Farm $2,067 $2,067
USAA $1,352 $1,351

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

Annual Key Largo, Florida Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $6,141 $7,408 $8,318 $6,867
GEICO $2,740 $3,463 $5,084 $4,199
Liberty Mutual $3,711 $4,793 $6,906 $5,034
Nationwide $3,606 $3,938 $5,265 $3,992
Progressive $4,013 $5,994 $5,011 $5,427
State Farm $3,349 $3,978 $3,663 $3,663
USAA $1,985 $2,435 $3,585 $2,078

Cheap Key Largo, Florida Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Key Largo, Florida

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $8,318
GEICO $5,084
Liberty Mutual $6,906
Nationwide $5,265
Progressive $5,011
State Farm $3,663
USAA $3,585

Cheap Key Largo, Florida Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Key Largo, Florida

Insurance Company Poor Fair Good
Allstate $9,967 $6,378 $5,205
GEICO $5,586 $3,427 $2,602
Liberty Mutual $6,590 $4,830 $3,913
Nationwide $5,247 $3,857 $3,497
Progressive $6,618 $4,737 $3,978
State Farm $5,012 $3,285 $2,693
USAA $4,083 $2,009 $1,470

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Cheap Key Largo, Florida Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Key Largo, Florida

ZIP Code Average Annual Rates
33037 $3,516

Cheap Key Largo, Florida Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Key Largo, Florida

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $6,983 $7,384
GEICO $3,851 $3,892
Liberty Mutual $4,946 $5,277
Nationwide $4,200 $4,200
Progressive $5,111 $5,111
State Farm $3,537 $3,790
USAA $2,492 $2,549

Cheap Key Largo, Florida Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Key Largo, Florida

Insurance Company Low Medium High
Allstate $5,615 $7,545 $8,390
GEICO $3,115 $4,016 $4,483
Liberty Mutual $4,722 $5,187 $5,424
Nationwide $3,326 $4,364 $4,910
Progressive $4,404 $5,215 $5,715
State Farm $3,159 $3,747 $4,083
USAA $2,169 $2,613 $2,780

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Best By Category: Cheapest Auto Insurance in Key Largo, Florida

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

Best Annual Auto Insurance Rates by Company in Key Largo, Florida

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

The Cheapest Key Largo, Florida Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Key Largo, Florida

Insurance Company Average Annual Rates
Allstate $7,184
GEICO $3,872
Liberty Mutual $5,111
Nationwide $4,200
Progressive $5,111
State Farm $3,663
USAA $2,521

What affects auto insurance rates in Key Largo, Florida?

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

Key Largo Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Key Largo, Florida commute length is 24.4 minutes according to City-Data.

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Compare Key Largo, Florida Auto Insurance Quotes

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