Best Cheap Auto Insurance in Live Oak, FL (2021)

The average Live Oak, FL auto insurance rates are $310 per month. The minimum auto insurance in Live Oak is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Live Oak, Florida, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • The most expensive auto insurance company in Live Oak for teen drivers is Allstate
  • Average auto insurance rates in Live Oak, FL for senior drivers are $2,270 per year
  • The average commute length in Live Oak is 21.5 minutes

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

Compare auto insurance in Live Oak to other Florida cities, including Fort Lauderdale auto insurance rates, Tallahassee auto insurance rates, and Miami auto insurance rates to see how Live Oak, Florida auto insurance rates stack up.

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

Minimum Auto Insurance in Live Oak, Florida

Live Oak, 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 Live Oak, Florida.

Minimum Required Auto Insurance Coverage in Live Oak, 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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap Live Oak, Florida Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Live Oak, 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 Live Oak, 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 $3,603 $3,445 $3,120 $3,167 $11,907 $12,801 $3,637 $3,704
GEICO $2,427 $2,446 $2,269 $2,269 $4,263 $5,392 $2,675 $2,740
Liberty Mutual $3,042 $3,042 $2,792 $2,792 $6,366 $9,775 $3,042 $4,103
Nationwide $2,302 $2,284 $2,057 $2,134 $5,480 $6,791 $2,533 $2,652
Progressive $3,093 $2,943 $2,665 $2,858 $8,493 $9,366 $3,749 $3,660
State Farm $1,719 $1,719 $1,546 $1,546 $4,900 $6,272 $1,898 $2,054
USAA $1,387 $1,368 $1,282 $1,281 $4,617 $5,403 $1,740 $1,889

Cheap Live Oak, Florida Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Live Oak, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,907 $12,801
GEICO $4,263 $5,392
Liberty Mutual $6,366 $9,775
Nationwide $5,480 $6,791
Progressive $8,493 $9,366
State Farm $4,900 $6,272
USAA $4,617 $5,403

Cheap Live Oak, Florida Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Live Oak, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,120 $3,167
GEICO $2,269 $2,269
Liberty Mutual $2,792 $2,792
Nationwide $2,057 $2,134
Progressive $2,665 $2,858
State Farm $1,546 $1,546
USAA $1,282 $1,281

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

Annual Live Oak, Florida Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,925 $5,856 $6,471 $5,440
GEICO $2,180 $2,742 $4,004 $3,315
Liberty Mutual $3,189 $4,102 $5,883 $4,304
Nationwide $2,824 $3,078 $4,094 $3,120
Progressive $3,663 $5,356 $4,520 $4,873
State Farm $2,486 $2,927 $2,707 $2,707
USAA $1,875 $2,293 $3,354 $1,961

Cheap Live Oak, Florida Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Live Oak, Florida

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,471
GEICO $4,004
Liberty Mutual $5,883
Nationwide $4,094
Progressive $4,520
State Farm $2,707
USAA $3,354

Cheap Live Oak, Florida Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Live Oak, Florida

Insurance Company Poor Fair Good
Allstate $7,932 $5,011 $4,075
GEICO $4,388 $2,716 $2,076
Liberty Mutual $5,614 $4,133 $3,361
Nationwide $4,095 $3,013 $2,729
Progressive $6,021 $4,252 $3,536
State Farm $3,653 $2,441 $2,026
USAA $3,880 $1,875 $1,358

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap Live Oak, Florida Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Live Oak, Florida

ZIP Code Average Annual Rates
32060 $2,875
32064 $2,875

Cheap Live Oak, Florida Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Live Oak, Florida

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,509 $5,836
GEICO $3,045 $3,076
Liberty Mutual $4,230 $4,509
Nationwide $3,279 $3,279
Progressive $4,603 $4,603
State Farm $2,617 $2,797
USAA $2,344 $2,398

Cheap Live Oak, Florida Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Live Oak, Florida

Insurance Company Low Medium High
Allstate $4,560 $5,924 $6,534
GEICO $2,568 $3,153 $3,460
Liberty Mutual $4,047 $4,431 $4,630
Nationwide $2,669 $3,395 $3,774
Progressive $4,000 $4,689 $5,120
State Farm $2,367 $2,761 $2,992
USAA $2,083 $2,445 $2,584

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Best By Category: Cheapest Auto Insurance in Live Oak, Florida

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

Best Annual Auto Insurance Rates by Company in Live Oak, 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 Live Oak, Florida Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Live Oak, Florida

Insurance Company Average Annual Rates
Allstate $5,673
GEICO $3,060
Liberty Mutual $4,369
Nationwide $3,279
Progressive $4,603
State Farm $2,707
USAA $2,371

What affects auto insurance rates in Live Oak, Florida?

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

Live Oak Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Live Oak, Florida auto theft statistics, there have been 6 auto thefts in the city.

Live Oak Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Live Oak, Florida commute length is 21.5 minutes according to City-Data.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Compare Live Oak, Florida Auto Insurance Quotes

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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption