Best Cheap Auto Insurance in Osprey, FL (2021)

The average Osprey, FL auto insurance rates are $331 per month. The minimum auto insurance in Osprey is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Osprey, 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

  • Average auto insurance rates in Osprey, FL for senior drivers are $2,404 per year
  • The average commute length in Osprey is 23.7 minutes
  • The most expensive auto insurance company in Osprey for teen drivers is Allstate

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

Compare auto insurance in Osprey to other Florida cities, including Orlando auto insurance rates, Miami auto insurance rates, and Cape Coral auto insurance rates to see how Osprey, Florida auto insurance rates stack up.

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

Minimum Auto Insurance in Osprey, Florida

Osprey, 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 Osprey, Florida.

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

Auto insurance rates in Osprey, 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 Osprey, 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 $3,852 $3,668 $3,333 $3,381 $13,079 $14,084 $3,855 $3,911
GEICO $2,498 $2,508 $2,338 $2,338 $4,485 $5,645 $2,753 $2,797
Liberty Mutual $3,211 $3,211 $2,948 $2,948 $6,713 $10,307 $3,211 $4,332
Nationwide $2,559 $2,531 $2,286 $2,366 $6,169 $7,619 $2,820 $2,942
Progressive $3,215 $3,034 $2,773 $2,959 $9,010 $9,801 $3,853 $3,687
State Farm $1,673 $1,673 $1,519 $1,519 $4,841 $6,149 $1,855 $1,988
USAA $1,581 $1,551 $1,480 $1,463 $5,498 $6,382 $1,971 $2,123

Cheap Osprey, Florida Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Osprey, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,079 $14,084
GEICO $4,485 $5,645
Liberty Mutual $6,713 $10,307
Nationwide $6,169 $7,619
Progressive $9,010 $9,801
State Farm $4,841 $6,149
USAA $5,498 $6,382

Cheap Osprey, Florida Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Osprey, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,333 $3,381
GEICO $2,338 $2,338
Liberty Mutual $2,948 $2,948
Nationwide $2,286 $2,366
Progressive $2,773 $2,959
State Farm $1,519 $1,519
USAA $1,480 $1,463

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

Annual Osprey, Florida Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,309 $6,348 $7,039 $5,886
GEICO $2,206 $2,822 $4,204 $3,450
Liberty Mutual $3,324 $4,315 $6,263 $4,539
Nationwide $3,133 $3,430 $4,607 $3,476
Progressive $3,785 $5,593 $4,709 $5,077
State Farm $2,426 $2,878 $2,652 $2,652
USAA $2,143 $2,661 $3,969 $2,251

Cheap Osprey, Florida Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Osprey, Florida

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,039
GEICO $4,204
Liberty Mutual $6,263
Nationwide $4,607
Progressive $4,709
State Farm $2,652
USAA $3,969

Cheap Osprey, Florida Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Osprey, Florida

Insurance Company Poor Fair Good
Allstate $8,575 $5,439 $4,423
GEICO $4,623 $2,793 $2,094
Liberty Mutual $5,922 $4,361 $3,547
Nationwide $4,572 $3,365 $3,048
Progressive $6,249 $4,430 $3,696
State Farm $3,621 $2,380 $1,955
USAA $4,472 $2,197 $1,598

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Cheap Osprey, Florida Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Osprey, Florida

ZIP Code Average Annual Rates
34229 $3,061

Cheap Osprey, Florida Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Osprey, Florida

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,971 $6,320
GEICO $3,155 $3,186
Liberty Mutual $4,463 $4,757
Nationwide $3,662 $3,662
Progressive $4,791 $4,791
State Farm $2,562 $2,742
USAA $2,725 $2,787

Cheap Osprey, Florida Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Osprey, Florida

Insurance Company Low Medium High
Allstate $4,950 $6,417 $7,069
GEICO $2,609 $3,281 $3,621
Liberty Mutual $4,234 $4,679 $4,917
Nationwide $2,936 $3,798 $4,250
Progressive $4,063 $4,898 $5,413
State Farm $2,282 $2,713 $2,962
USAA $2,383 $2,853 $3,032

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Best By Category: Cheapest Auto Insurance in Osprey, Florida

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

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

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

Average Annual Auto Insurance Rates by Company in Osprey, Florida

Insurance Company Average Annual Rates
Allstate $6,145
GEICO $3,170
Liberty Mutual $4,610
Nationwide $3,662
Progressive $4,791
State Farm $2,652
USAA $2,756

What affects auto insurance rates in Osprey, Florida?

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

Osprey Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Osprey, Florida commute length is 23.7 minutes according to City-Data.

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Compare Osprey, Florida Auto Insurance Quotes

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