Best Cheap Auto Insurance in Land O’ Lakes, FL (2021)

The average Land O' Lakes, FL auto insurance rates are $451 per month. The minimum auto insurance in Land O' Lakes is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Land O' Lakes, 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 most expensive auto insurance company in Land O’ Lakes for teen drivers is Allstate
  • The minimum auto insurance required in Land O’ Lakes, Florida is 10/20/10
  • The cheapest auto insurance company in Land O’ Lakes is USAA

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

Compare auto insurance in Land O’ Lakes to other Florida cities, including Port St. Lucie auto insurance rates, Fort Lauderdale auto insurance rates, and Tampa auto insurance rates to see how Land O’ Lakes, Florida auto insurance rates stack up.

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

Minimum Auto Insurance in Land O’ Lakes, Florida

Land O’ Lakes, 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 Land O’ Lakes, Florida.

Minimum Required Auto Insurance Coverage in Land O’ Lakes, 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 Land O’ Lakes, Florida Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Land O’ Lakes, 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 Land O’ Lakes, 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 $5,577 $5,277 $4,843 $4,885 $18,880 $20,341 $5,426 $5,454
GEICO $3,367 $3,381 $3,150 $3,150 $5,948 $7,403 $3,701 $3,744
Liberty Mutual $4,386 $4,386 $4,007 $4,007 $9,418 $14,585 $4,386 $5,998
Nationwide $3,668 $3,616 $3,268 $3,380 $8,956 $11,028 $4,046 $4,207
Progressive $4,037 $3,787 $3,454 $3,702 $11,510 $12,516 $4,857 $4,600
State Farm $2,389 $2,389 $2,165 $2,165 $7,093 $9,083 $2,665 $2,848
USAA $1,886 $1,851 $1,775 $1,753 $6,544 $7,543 $2,351 $2,530

Cheap Land O’ Lakes, Florida Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Land O’ Lakes, Florida is a challenge. Take a look at the annual teen auto insurance rates in Land O’ Lakes, Florida.

Annual Auto Insurance Rates for Teen Drivers in Land O’ Lakes, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $18,880 $20,341
GEICO $5,948 $7,403
Liberty Mutual $9,418 $14,585
Nationwide $8,956 $11,028
Progressive $11,510 $12,516
State Farm $7,093 $9,083
USAA $6,544 $7,543

Cheap Land O’ Lakes, Florida Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Land O’ Lakes, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,843 $4,885
GEICO $3,150 $3,150
Liberty Mutual $4,007 $4,007
Nationwide $3,268 $3,380
Progressive $3,454 $3,702
State Farm $2,165 $2,165
USAA $1,775 $1,753

Cheap Land O’ Lakes, 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 Land O’ Lakes, Florida compared to the annual auto insurance rates with a clean record in Land O’ Lakes, Florida.

Annual Land O’ Lakes, Florida Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $7,623 $9,167 $10,102 $8,449
GEICO $2,956 $3,770 $5,596 $4,600
Liberty Mutual $4,533 $5,968 $8,792 $6,293
Nationwide $4,480 $4,930 $6,684 $4,991
Progressive $4,776 $7,079 $5,959 $6,418
State Farm $3,514 $4,185 $3,850 $3,850
USAA $2,560 $3,171 $4,699 $2,686

Cheap Land O’ Lakes, Florida Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Land O’ Lakes, Florida

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $10,102
GEICO $5,596
Liberty Mutual $8,792
Nationwide $6,684
Progressive $5,959
State Farm $3,850
USAA $4,699

Cheap Land O’ Lakes, Florida Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Land O’ Lakes, Florida

Insurance Company Poor Fair Good
Allstate $12,457 $7,791 $6,259
GEICO $6,142 $3,734 $2,815
Liberty Mutual $8,280 $6,040 $4,869
Nationwide $6,612 $4,836 $4,366
Progressive $7,874 $5,618 $4,682
State Farm $5,287 $3,446 $2,815
USAA $5,329 $2,613 $1,894

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Cheap Land O’ Lakes, Florida Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Land O’ Lakes, Florida

ZIP Code Average Annual Rates
34638 $4,039
34639 $4,072

Cheap Land O’ Lakes, Florida Auto Insurance Rates By Commute

Commute length and annual mileage affect Land O’ Lakes, Florida auto insurance. Find the cheapest annual Land O’ Lakes, Florida auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Land O’ Lakes, Florida

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $8,582 $9,089
GEICO $4,210 $4,251
Liberty Mutual $6,185 $6,608
Nationwide $5,271 $5,271
Progressive $6,058 $6,058
State Farm $3,715 $3,985
USAA $3,241 $3,316

Cheap Land O’ Lakes, Florida Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Land O’ Lakes, Florida

Insurance Company Low Medium High
Allstate $6,666 $9,325 $10,516
GEICO $3,417 $4,382 $4,892
Liberty Mutual $5,813 $6,513 $6,864
Nationwide $4,078 $5,495 $6,241
Progressive $4,949 $6,215 $7,010
State Farm $3,243 $3,955 $4,351
USAA $2,766 $3,412 $3,658

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Best By Category: Cheapest Auto Insurance in Land O’ Lakes, Florida

Compare the cheapest auto insurance companies in Land O’ Lakes, Florida in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Land O’ Lakes, 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 Land O’ Lakes, Florida Auto Insurance Companies

What auto insurance companies in Land O’ Lakes, Florida are the cheapest? Compare the top Land O’ Lakes, Florida auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Land O’ Lakes, Florida

Insurance Company Average Annual Rates
Allstate $8,836
GEICO $4,230
Liberty Mutual $6,396
Nationwide $5,271
Progressive $6,058
State Farm $3,850
USAA $3,279

What affects auto insurance rates in Land O’ Lakes, Florida?

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

Land O’ Lakes Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Land O’ Lakes, Florida commute length is 33.9 minutes according to City-Data.

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Compare Land O’ Lakes, Florida Auto Insurance Quotes

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