Best Cheap Auto Insurance in Lady Lake, FL (2021)

The average Lady Lake, FL auto insurance rates are $309 per month. The minimum auto insurance in Lady Lake is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Lady Lake, 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 minimum auto insurance required in Lady Lake, Florida is 10/20/10
  • Average auto insurance rates in Lady Lake, FL for senior drivers are $2,266 per year
  • The average commute length in Lady Lake is 22.1 minutes

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

Compare auto insurance in Lady Lake to other Florida cities, including Miami auto insurance rates, Tampa auto insurance rates, and Orlando auto insurance rates to see how Lady Lake, Florida auto insurance rates stack up.

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

Minimum Auto Insurance in Lady Lake, Florida

Lady Lake, 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 Lady Lake, Florida.

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

Auto insurance rates in Lady Lake, 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 Lady Lake, 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 $3,537 $3,429 $3,111 $3,182 $12,226 $13,397 $3,591 $3,670
GEICO $2,611 $2,621 $2,448 $2,448 $4,648 $5,813 $2,872 $2,908
Liberty Mutual $2,735 $2,735 $2,520 $2,520 $5,587 $8,515 $2,735 $3,647
Nationwide $2,215 $2,191 $1,986 $2,053 $5,206 $6,406 $2,432 $2,532
Progressive $3,419 $3,227 $2,932 $3,139 $9,473 $10,317 $4,110 $3,930
State Farm $1,581 $1,581 $1,435 $1,435 $4,538 $5,795 $1,749 $1,880
USAA $1,356 $1,333 $1,264 $1,254 $4,625 $5,382 $1,693 $1,828

Cheap Lady Lake, Florida Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Lady Lake, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,226 $13,397
GEICO $4,648 $5,813
Liberty Mutual $5,587 $8,515
Nationwide $5,206 $6,406
Progressive $9,473 $10,317
State Farm $4,538 $5,795
USAA $4,625 $5,382

Cheap Lady Lake, Florida Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Lady Lake, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,111 $3,182
GEICO $2,448 $2,448
Liberty Mutual $2,520 $2,520
Nationwide $1,986 $2,053
Progressive $2,932 $3,139
State Farm $1,435 $1,435
USAA $1,264 $1,254

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

Annual Lady Lake, Florida Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,984 $5,936 $6,621 $5,530
GEICO $2,301 $2,936 $4,363 $3,585
Liberty Mutual $2,839 $3,638 $5,203 $3,817
Nationwide $2,686 $2,936 $3,916 $2,972
Progressive $4,000 $5,919 $4,982 $5,373
State Farm $2,291 $2,708 $2,499 $2,499
USAA $1,834 $2,263 $3,348 $1,922

Cheap Lady Lake, Florida Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Lady Lake, Florida

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,621
GEICO $4,363
Liberty Mutual $5,203
Nationwide $3,916
Progressive $4,982
State Farm $2,499
USAA $3,348

Cheap Lady Lake, Florida Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Lady Lake, Florida

Insurance Company Poor Fair Good
Allstate $8,042 $5,104 $4,158
GEICO $4,793 $2,908 $2,187
Liberty Mutual $4,943 $3,671 $3,008
Nationwide $3,896 $2,878 $2,609
Progressive $6,629 $4,684 $3,893
State Farm $3,393 $2,249 $1,856
USAA $3,809 $1,862 $1,354

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Cheap Lady Lake, Florida Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Lady Lake, Florida

ZIP Code Average Annual Rates
32159 $2,860

Cheap Lady Lake, Florida Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Lady Lake, Florida

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,602 $5,934
GEICO $3,280 $3,312
Liberty Mutual $3,754 $3,994
Nationwide $3,128 $3,128
Progressive $5,068 $5,068
State Farm $2,416 $2,582
USAA $2,315 $2,368

Cheap Lady Lake, Florida Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Lady Lake, Florida

Insurance Company Low Medium High
Allstate $4,399 $6,076 $6,828
GEICO $2,706 $3,410 $3,772
Liberty Mutual $3,555 $3,927 $4,140
Nationwide $2,485 $3,249 $3,649
Progressive $4,344 $5,173 $5,689
State Farm $2,142 $2,557 $2,799
USAA $2,041 $2,420 $2,564

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Best By Category: Cheapest Auto Insurance in Lady Lake, Florida

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

Best Annual Auto Insurance Rates by Company in Lady Lake, 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 Lady Lake, Florida Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Lady Lake, Florida

Insurance Company Average Annual Rates
Allstate $5,768
GEICO $3,296
Liberty Mutual $3,874
Nationwide $3,128
Progressive $5,068
State Farm $2,499
USAA $2,342

What affects auto insurance rates in Lady Lake, Florida?

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

Lady Lake Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Lady Lake, Florida auto theft statistics, there have been 22 auto thefts in the city.

Lady Lake Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Lady Lake, Florida commute length is 22.1 minutes according to City-Data.

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Compare Lady Lake, Florida Auto Insurance Quotes

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