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

The average Lake Harbor, FL auto insurance rates are $436 per month. The minimum auto insurance in Lake Harbor is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Lake Harbor, 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 Lake Harbor, Florida is 10/20/10
  • Average auto insurance rates in Lake Harbor, FL for senior drivers are $3,185 per year
  • The most expensive auto insurance company in Lake Harbor for teen drivers is Allstate

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

Compare auto insurance in Lake Harbor to other Florida cities, including Jacksonville auto insurance rates, Cape Coral auto insurance rates, and Fort Lauderdale auto insurance rates to see how Lake Harbor, Florida auto insurance rates stack up.

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

Minimum Auto Insurance in Lake Harbor, Florida

Lake Harbor, 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 Lake Harbor, Florida.

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

Auto insurance rates in Lake Harbor, 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 Lake Harbor, 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 $5,361 $5,066 $4,652 $4,692 $18,080 $19,408 $5,229 $5,258
GEICO $3,198 $3,208 $2,997 $2,997 $5,776 $7,266 $3,524 $3,573
Liberty Mutual $4,755 $4,755 $4,343 $4,343 $10,217 $15,827 $4,755 $6,509
Nationwide $3,644 $3,595 $3,251 $3,364 $8,722 $10,733 $4,010 $4,169
Progressive $3,378 $3,195 $2,906 $3,108 $9,431 $10,294 $4,075 $3,909
State Farm $2,580 $2,580 $2,334 $2,334 $6,838 $8,653 $2,858 $3,005
USAA $1,752 $1,720 $1,646 $1,627 $6,142 $7,105 $2,189 $2,358

Cheap Lake Harbor, Florida Auto Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $18,080 $19,408
GEICO $5,776 $7,266
Liberty Mutual $10,217 $15,827
Nationwide $8,722 $10,733
Progressive $9,431 $10,294
State Farm $6,838 $8,653
USAA $6,142 $7,105

Cheap Lake Harbor, Florida Auto Insurance for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,652 $4,692
GEICO $2,997 $2,997
Liberty Mutual $4,343 $4,343
Nationwide $3,251 $3,364
Progressive $2,906 $3,108
State Farm $2,334 $2,334
USAA $1,646 $1,627

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

Annual Lake Harbor, Florida Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $7,306 $8,781 $9,687 $8,100
GEICO $2,816 $3,615 $5,409 $4,430
Liberty Mutual $4,897 $6,467 $9,562 $6,824
Nationwide $4,425 $4,859 $6,544 $4,916
Progressive $3,995 $5,868 $4,954 $5,332
State Farm $3,573 $4,222 $3,898 $3,898
USAA $2,387 $2,963 $4,412 $2,506

Cheap Lake Harbor, Florida Auto Insurance Rates After a DUI

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

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $9,687
GEICO $5,409
Liberty Mutual $9,562
Nationwide $6,544
Progressive $4,954
State Farm $3,898
USAA $4,412

Cheap Lake Harbor, Florida Auto Insurance By Credit History

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

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

Insurance Company Poor Fair Good
Allstate $11,917 $7,475 $6,013
GEICO $5,954 $3,578 $2,670
Liberty Mutual $8,984 $6,550 $5,279
Nationwide $6,514 $4,756 $4,288
Progressive $6,573 $4,659 $3,879
State Farm $5,289 $3,507 $2,897
USAA $4,966 $2,451 $1,785

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Cheap Lake Harbor, Florida Auto Insurance Rates By ZIP Code

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

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

ZIP Code Average Annual Rates
33459 $4,029

Cheap Lake Harbor, Florida Auto Insurance Rates By Commute

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

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

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $8,227 $8,710
GEICO $4,048 $4,087
Liberty Mutual $6,708 $7,168
Nationwide $5,186 $5,186
Progressive $5,037 $5,037
State Farm $3,757 $4,038
USAA $3,033 $3,102

Cheap Lake Harbor, Florida Auto Insurance Rates By Coverage Level

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

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

Insurance Company Low Medium High
Allstate $6,500 $8,910 $9,995
GEICO $3,212 $4,228 $4,762
Liberty Mutual $6,315 $7,062 $7,436
Nationwide $3,944 $5,419 $6,196
Progressive $4,234 $5,152 $5,725
State Farm $3,332 $3,983 $4,377
USAA $2,585 $3,194 $3,423

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

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

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

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

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

Insurance Company Average Annual Rates
Allstate $8,468
GEICO $4,067
Liberty Mutual $6,938
Nationwide $5,186
Progressive $5,037
State Farm $3,898
USAA $3,067

Compare Lake Harbor, Florida Auto Insurance Quotes

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