Best Cheap Auto Insurance in Monticello, FL (2021)

The average Monticello, FL auto insurance rates are $320 per month. The minimum auto insurance in Monticello is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Monticello, 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 Monticello is 27.2 minutes
  • The cheapest auto insurance company in Monticello is USAA
  • The minimum auto insurance required in Monticello, Florida is 10/20/10

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

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

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

Minimum Auto Insurance in Monticello, Florida

Monticello, 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 Monticello, Florida.

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

Auto insurance rates in Monticello, 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 Monticello, 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 $3,676 $3,548 $3,198 $3,271 $12,757 $13,874 $3,778 $3,870
GEICO $2,617 $2,638 $2,444 $2,444 $4,672 $5,953 $2,893 $2,970
Liberty Mutual $3,230 $3,230 $2,961 $2,961 $6,814 $10,490 $3,230 $4,372
Nationwide $2,302 $2,284 $2,057 $2,134 $5,480 $6,791 $2,533 $2,652
Progressive $3,072 $2,920 $2,648 $2,840 $8,457 $9,324 $3,718 $3,626
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 Monticello, Florida Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Monticello, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,757 $13,874
GEICO $4,672 $5,953
Liberty Mutual $6,814 $10,490
Nationwide $5,480 $6,791
Progressive $8,457 $9,324
State Farm $4,900 $6,272
USAA $4,617 $5,403

Cheap Monticello, Florida Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Monticello, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,198 $3,271
GEICO $2,444 $2,444
Liberty Mutual $2,961 $2,961
Nationwide $2,057 $2,134
Progressive $2,648 $2,840
State Farm $1,546 $1,546
USAA $1,282 $1,281

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

Annual Monticello, Florida Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,177 $6,164 $6,896 $5,750
GEICO $2,351 $2,975 $4,376 $3,612
Liberty Mutual $3,398 $4,375 $6,279 $4,592
Nationwide $2,824 $3,078 $4,094 $3,120
Progressive $3,636 $5,329 $4,493 $4,845
State Farm $2,486 $2,927 $2,707 $2,707
USAA $1,875 $2,293 $3,354 $1,961

Cheap Monticello, Florida Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Monticello, Florida

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,896
GEICO $4,376
Liberty Mutual $6,279
Nationwide $4,094
Progressive $4,493
State Farm $2,707
USAA $3,354

Cheap Monticello, Florida Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Monticello, Florida

Insurance Company Poor Fair Good
Allstate $8,309 $5,321 $4,360
GEICO $4,807 $2,945 $2,234
Liberty Mutual $6,003 $4,406 $3,574
Nationwide $4,095 $3,013 $2,729
Progressive $5,982 $4,226 $3,518
State Farm $3,653 $2,441 $2,026
USAA $3,880 $1,875 $1,358

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Cheap Monticello, Florida Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Monticello, Florida

ZIP Code Average Annual Rates
32344 $2,972

Cheap Monticello, Florida Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Monticello, Florida

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,822 $6,171
GEICO $3,311 $3,346
Liberty Mutual $4,511 $4,811
Nationwide $3,279 $3,279
Progressive $4,576 $4,576
State Farm $2,617 $2,797
USAA $2,344 $2,398

Cheap Monticello, Florida Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Monticello, Florida

Insurance Company Low Medium High
Allstate $4,884 $6,248 $6,858
GEICO $2,858 $3,429 $3,698
Liberty Mutual $4,320 $4,728 $4,935
Nationwide $2,669 $3,395 $3,774
Progressive $3,972 $4,662 $5,093
State Farm $2,367 $2,761 $2,992
USAA $2,083 $2,445 $2,584

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Best By Category: Cheapest Auto Insurance in Monticello, Florida

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

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

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

Average Annual Auto Insurance Rates by Company in Monticello, Florida

Insurance Company Average Annual Rates
Allstate $5,997
GEICO $3,329
Liberty Mutual $4,661
Nationwide $3,279
Progressive $4,576
State Farm $2,707
USAA $2,371

What affects auto insurance rates in Monticello, Florida?

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

Monticello Auto Theft

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

Monticello Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Monticello, Florida commute length is 27.2 minutes according to City-Data.

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Compare Monticello, Florida Auto Insurance Quotes

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