Best Cheap Auto Insurance in Merritt Island, FL (2021)

The average Merritt Island, FL auto insurance rates are $327 per month. The minimum auto insurance in Merritt Island is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Merritt Island, 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 Merritt Island for teen drivers is Allstate
  • The average commute length in Merritt Island is 24.1 minutes
  • The minimum auto insurance required in Merritt Island, Florida is 10/20/10

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

Compare auto insurance in Merritt Island to other Florida cities, including Tampa auto insurance rates, Miami auto insurance rates, and Port St. Lucie auto insurance rates to see how Merritt Island, Florida auto insurance rates stack up.

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

Minimum Auto Insurance in Merritt Island, Florida

Merritt Island, 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 Merritt Island, Florida.

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

Auto insurance rates in Merritt Island, 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 Merritt Island, 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 $3,917 $3,784 $3,435 $3,509 $13,809 $15,126 $3,956 $4,036
GEICO $2,651 $2,664 $2,485 $2,485 $4,746 $5,988 $2,922 $2,973
Liberty Mutual $3,079 $3,079 $2,829 $2,829 $6,404 $9,815 $3,079 $4,142
Nationwide $2,441 $2,413 $2,187 $2,261 $5,773 $7,101 $2,683 $2,792
Progressive $3,350 $3,157 $2,882 $3,082 $9,364 $10,198 $4,019 $3,838
State Farm $1,635 $1,635 $1,491 $1,491 $4,567 $5,898 $1,814 $1,937
USAA $1,318 $1,295 $1,235 $1,223 $4,481 $5,199 $1,638 $1,764

Cheap Merritt Island, Florida Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Merritt Island, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,809 $15,126
GEICO $4,746 $5,988
Liberty Mutual $6,404 $9,815
Nationwide $5,773 $7,101
Progressive $9,364 $10,198
State Farm $4,567 $5,898
USAA $4,481 $5,199

Cheap Merritt Island, Florida Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Merritt Island, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,435 $3,509
GEICO $2,485 $2,485
Liberty Mutual $2,829 $2,829
Nationwide $2,187 $2,261
Progressive $2,882 $3,082
State Farm $1,491 $1,491
USAA $1,235 $1,223

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

Annual Merritt Island, Florida Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,551 $6,642 $7,419 $6,174
GEICO $2,354 $2,999 $4,447 $3,657
Liberty Mutual $3,196 $4,130 $5,961 $4,340
Nationwide $2,961 $3,242 $4,341 $3,281
Progressive $3,948 $5,814 $4,903 $5,280
State Farm $2,340 $2,778 $2,559 $2,559
USAA $1,776 $2,193 $3,246 $1,862

Cheap Merritt Island, Florida Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Merritt Island, Florida

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,419
GEICO $4,447
Liberty Mutual $5,961
Nationwide $4,341
Progressive $4,903
State Farm $2,559
USAA $3,246

Cheap Merritt Island, Florida Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Merritt Island, Florida

Insurance Company Poor Fair Good
Allstate $8,982 $5,708 $4,649
GEICO $4,889 $2,969 $2,235
Liberty Mutual $5,651 $4,171 $3,399
Nationwide $4,308 $3,180 $2,881
Progressive $6,504 $4,612 $3,842
State Farm $3,498 $2,295 $1,883
USAA $3,674 $1,812 $1,322

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheap Merritt Island, Florida Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Merritt Island, Florida

ZIP Code Average Annual Rates
32952 $3,041
32953 $3,035

Cheap Merritt Island, Florida Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Merritt Island, Florida

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $6,262 $6,631
GEICO $3,348 $3,381
Liberty Mutual $4,268 $4,546
Nationwide $3,456 $3,456
Progressive $4,986 $4,986
State Farm $2,472 $2,646
USAA $2,244 $2,295

Cheap Merritt Island, Florida Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Merritt Island, Florida

Insurance Company Low Medium High
Allstate $4,934 $6,790 $7,616
GEICO $2,714 $3,489 $3,890
Liberty Mutual $4,030 $4,474 $4,717
Nationwide $2,690 $3,601 $4,078
Progressive $4,170 $5,103 $5,686
State Farm $2,160 $2,625 $2,891
USAA $1,958 $2,350 $2,500

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 Merritt Island, Florida

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

Best Annual Auto Insurance Rates by Company in Merritt Island, Florida

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

The Cheapest Merritt Island, Florida Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Merritt Island, Florida

Insurance Company Average Annual Rates
Allstate $6,447
GEICO $3,364
Liberty Mutual $4,407
Nationwide $3,456
Progressive $4,986
State Farm $2,559
USAA $2,269

What affects auto insurance rates in Merritt Island, Florida?

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

Merritt Island Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Merritt Island, Florida commute length is 24.1 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 Merritt Island, Florida Auto Insurance Quotes

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