Best Cheap Auto Insurance in Lutz, FL (2021)

The average Lutz, FL auto insurance rates are $450 per month. The minimum auto insurance in Lutz is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Lutz, 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 Lutz, Florida is 10/20/10
  • The average commute length in Lutz is 32.2 minutes
  • Average auto insurance rates in Lutz, FL for senior drivers are $3,250 per year

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

Compare auto insurance in Lutz to other Florida cities, including Jacksonville auto insurance rates, Hialeah auto insurance rates, and Port St. Lucie auto insurance rates to see how Lutz, Florida auto insurance rates stack up.

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

Minimum Auto Insurance in Lutz, Florida

Lutz, 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 Lutz, Florida.

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

Auto insurance rates in Lutz, 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 Lutz, 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 $5,549 $5,283 $4,837 $4,903 $19,397 $21,121 $5,463 $5,508
GEICO $3,453 $3,466 $3,232 $3,232 $6,128 $7,624 $3,796 $3,835
Liberty Mutual $3,914 $3,914 $3,589 $3,589 $8,239 $12,678 $3,914 $5,299
Nationwide $3,948 $3,889 $3,517 $3,636 $9,673 $11,899 $4,356 $4,524
Progressive $4,046 $3,797 $3,462 $3,711 $11,551 $12,567 $4,871 $4,618
State Farm $2,388 $2,388 $2,165 $2,165 $7,115 $9,117 $2,663 $2,849
USAA $1,851 $1,815 $1,747 $1,722 $6,467 $7,447 $2,303 $2,474

Cheap Lutz, Florida Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Lutz, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $19,397 $21,121
GEICO $6,128 $7,624
Liberty Mutual $8,239 $12,678
Nationwide $9,673 $11,899
Progressive $11,551 $12,567
State Farm $7,115 $9,117
USAA $6,467 $7,447

Cheap Lutz, Florida Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Lutz, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,837 $4,903
GEICO $3,232 $3,232
Liberty Mutual $3,589 $3,589
Nationwide $3,517 $3,636
Progressive $3,462 $3,711
State Farm $2,165 $2,165
USAA $1,747 $1,722

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

Annual Lutz, Florida Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $7,747 $9,314 $10,354 $8,616
GEICO $3,025 $3,868 $5,762 $4,729
Liberty Mutual $4,059 $5,279 $7,677 $5,554
Nationwide $4,821 $5,310 $7,214 $5,375
Progressive $4,792 $7,102 $5,979 $6,438
State Farm $3,519 $4,193 $3,856 $3,856
USAA $2,513 $3,120 $4,641 $2,638

Cheap Lutz, Florida Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Lutz, Florida

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $10,354
GEICO $5,762
Liberty Mutual $7,677
Nationwide $7,214
Progressive $5,979
State Farm $3,856
USAA $4,641

Cheap Lutz, Florida Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Lutz, Florida

Insurance Company Poor Fair Good
Allstate $12,611 $7,970 $6,442
GEICO $6,327 $3,832 $2,879
Liberty Mutual $7,264 $5,334 $4,329
Nationwide $7,134 $5,208 $4,698
Progressive $7,897 $5,638 $4,699
State Farm $5,301 $3,451 $2,817
USAA $5,224 $2,582 $1,878

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Cheap Lutz, Florida Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Lutz, Florida

ZIP Code Average Annual Rates
33548 $4,174
33549 $4,303
33559 $4,254

Cheap Lutz, Florida Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Lutz, Florida

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $8,746 $9,269
GEICO $4,325 $4,367
Liberty Mutual $5,460 $5,824
Nationwide $5,680 $5,680
Progressive $6,078 $6,078
State Farm $3,721 $3,991
USAA $3,191 $3,265

Cheap Lutz, Florida Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Lutz, Florida

Insurance Company Low Medium High
Allstate $6,895 $9,484 $10,645
GEICO $3,528 $4,499 $5,011
Liberty Mutual $5,191 $5,728 $6,008
Nationwide $4,409 $5,918 $6,713
Progressive $4,961 $6,236 $7,036
State Farm $3,248 $3,962 $4,359
USAA $2,697 $3,367 $3,621

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Best By Category: Cheapest Auto Insurance in Lutz, Florida

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

Best Annual Auto Insurance Rates by Company in Lutz, 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 Lutz, Florida Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Lutz, Florida

Insurance Company Average Annual Rates
Allstate $9,008
GEICO $4,346
Liberty Mutual $5,642
Nationwide $5,680
Progressive $6,078
State Farm $3,856
USAA $3,228

What affects auto insurance rates in Lutz, Florida?

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

Lutz Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Lutz, Florida commute length is 32.2 minutes according to City-Data.

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Compare Lutz, Florida Auto Insurance Quotes

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