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

The average Longboat Key, FL auto insurance rates are $348 per month. The minimum auto insurance in Longboat Key is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Longboat Key, 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 Longboat Key is 28.4 minutes
  • The cheapest auto insurance company in Longboat Key is State Farm
  • The most expensive auto insurance company in Longboat Key for teen drivers is Allstate

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

Compare auto insurance in Longboat Key to other Florida cities, including Tallahassee auto insurance rates, St. Petersburg auto insurance rates, and Cape Coral auto insurance rates to see how Longboat Key, Florida auto insurance rates stack up.

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

Minimum Auto Insurance in Longboat Key, Florida

Longboat Key, 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 Longboat Key, Florida.

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

Auto insurance rates in Longboat Key, 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 Longboat Key, 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 $3,948 $3,763 $3,419 $3,472 $13,600 $14,724 $3,958 $4,012
GEICO $2,816 $2,831 $2,632 $2,632 $5,046 $6,352 $3,107 $3,159
Liberty Mutual $3,211 $3,211 $2,948 $2,948 $6,713 $10,307 $3,211 $4,332
Nationwide $2,966 $2,928 $2,644 $2,736 $7,197 $8,877 $3,271 $3,407
Progressive $3,230 $3,050 $2,784 $2,972 $9,035 $9,830 $3,874 $3,710
State Farm $1,741 $1,741 $1,583 $1,583 $5,128 $6,537 $1,934 $2,078
USAA $1,620 $1,591 $1,515 $1,501 $5,588 $6,492 $2,022 $2,181

Cheap Longboat Key, Florida Auto Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,600 $14,724
GEICO $5,046 $6,352
Liberty Mutual $6,713 $10,307
Nationwide $7,197 $8,877
Progressive $9,035 $9,830
State Farm $5,128 $6,537
USAA $5,588 $6,492

Cheap Longboat Key, Florida Auto Insurance for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,419 $3,472
GEICO $2,632 $2,632
Liberty Mutual $2,948 $2,948
Nationwide $2,644 $2,736
Progressive $2,784 $2,972
State Farm $1,583 $1,583
USAA $1,515 $1,501

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

Annual Longboat Key, Florida Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,487 $6,564 $7,304 $6,093
GEICO $2,488 $3,180 $4,734 $3,886
Liberty Mutual $3,324 $4,315 $6,263 $4,539
Nationwide $3,625 $3,981 $5,376 $4,031
Progressive $3,805 $5,613 $4,728 $5,097
State Farm $2,549 $3,032 $2,791 $2,791
USAA $2,196 $2,718 $4,038 $2,304

Cheap Longboat Key, Florida Auto Insurance Rates After a DUI

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

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,304
GEICO $4,734
Liberty Mutual $6,263
Nationwide $5,376
Progressive $4,728
State Farm $2,791
USAA $4,038

Cheap Longboat Key, Florida Auto Insurance By Credit History

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

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

Insurance Company Poor Fair Good
Allstate $8,852 $5,639 $4,595
GEICO $5,204 $3,148 $2,364
Liberty Mutual $5,922 $4,361 $3,547
Nationwide $5,318 $3,906 $3,535
Progressive $6,276 $4,447 $3,709
State Farm $3,827 $2,500 $2,045
USAA $4,567 $2,243 $1,632

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Cheap Longboat Key, Florida Auto Insurance Rates By ZIP Code

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

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

ZIP Code Average Annual Rates
34228 $3,222

Cheap Longboat Key, Florida Auto Insurance Rates By Commute

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

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

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $6,179 $6,545
GEICO $3,554 $3,590
Liberty Mutual $4,463 $4,757
Nationwide $4,253 $4,253
Progressive $4,811 $4,811
State Farm $2,696 $2,885
USAA $2,782 $2,846

Cheap Longboat Key, Florida Auto Insurance Rates By Coverage Level

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

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

Insurance Company Low Medium High
Allstate $5,167 $6,634 $7,285
GEICO $2,931 $3,697 $4,087
Liberty Mutual $4,234 $4,679 $4,917
Nationwide $3,336 $4,425 $4,999
Progressive $4,083 $4,917 $5,432
State Farm $2,389 $2,858 $3,126
USAA $2,423 $2,915 $3,103

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

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

Best Annual Auto Insurance Rates by Company in Longboat Key, 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 Longboat Key, Florida Auto Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $6,362
GEICO $3,572
Liberty Mutual $4,610
Nationwide $4,253
Progressive $4,811
State Farm $2,791
USAA $2,814

What affects auto insurance rates in Longboat Key, Florida?

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

Longboat Key Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Longboat Key, Florida auto theft statistics, there have been 1 auto thefts in the city.

Longboat Key Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Longboat Key, Florida commute length is 28.4 minutes according to City-Data.

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Compare Longboat Key, Florida Auto Insurance Quotes

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