Best Cheap Auto Insurance in Palm Harbor, FL (2021)

The average Palm Harbor, FL auto insurance rates are $449 per month. The minimum auto insurance in Palm Harbor is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Palm Harbor, 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 most expensive auto insurance company in Palm Harbor for teen drivers is Allstate
  • The cheapest auto insurance company in Palm Harbor is USAA
  • Average auto insurance rates in Palm Harbor, FL for senior drivers are $3,248 per year

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

Compare auto insurance in Palm Harbor to other Florida cities, including Miami auto insurance rates, Port St. Lucie auto insurance rates, and Tallahassee auto insurance rates to see how Palm Harbor, Florida auto insurance rates stack up.

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

Minimum Auto Insurance in Palm Harbor, Florida

Palm Harbor, 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 Palm Harbor, Florida.

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

Auto insurance rates in Palm Harbor, 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 Palm Harbor, 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 $5,504 $5,254 $4,813 $4,880 $19,178 $20,902 $5,397 $5,446
GEICO $3,812 $3,834 $3,560 $3,560 $6,786 $8,528 $4,204 $4,277
Liberty Mutual $4,100 $4,100 $3,746 $3,746 $8,809 $13,645 $4,100 $5,612
Nationwide $3,370 $3,326 $3,011 $3,112 $8,128 $10,003 $3,714 $3,863
Progressive $4,104 $3,821 $3,501 $3,751 $11,566 $12,458 $4,887 $4,548
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 Palm Harbor, Florida Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Palm Harbor, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $19,178 $20,902
GEICO $6,786 $8,528
Liberty Mutual $8,809 $13,645
Nationwide $8,128 $10,003
Progressive $11,566 $12,458
State Farm $7,115 $9,117
USAA $6,467 $7,447

Cheap Palm Harbor, Florida Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Palm Harbor, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,813 $4,880
GEICO $3,560 $3,560
Liberty Mutual $3,746 $3,746
Nationwide $3,011 $3,112
Progressive $3,501 $3,751
State Farm $2,165 $2,165
USAA $1,747 $1,722

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

Annual Palm Harbor, Florida Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $7,678 $9,237 $10,241 $8,532
GEICO $3,371 $4,296 $6,373 $5,240
Liberty Mutual $4,229 $5,579 $8,236 $5,885
Nationwide $4,102 $4,508 $6,091 $4,562
Progressive $4,813 $7,084 $5,991 $6,430
State Farm $3,519 $4,193 $3,856 $3,856
USAA $2,513 $3,120 $4,641 $2,638

Cheap Palm Harbor, Florida Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Palm Harbor, Florida

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $10,241
GEICO $6,373
Liberty Mutual $8,236
Nationwide $6,091
Progressive $5,991
State Farm $3,856
USAA $4,641

Cheap Palm Harbor, Florida Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Palm Harbor, Florida

Insurance Company Poor Fair Good
Allstate $12,544 $7,876 $6,345
GEICO $6,999 $4,255 $3,207
Liberty Mutual $7,745 $5,649 $4,553
Nationwide $6,024 $4,424 $4,000
Progressive $7,920 $5,637 $4,682
State Farm $5,301 $3,451 $2,817
USAA $5,224 $2,582 $1,878

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Cheap Palm Harbor, Florida Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Palm Harbor, Florida

ZIP Code Average Annual Rates
34684 $4,134

Cheap Palm Harbor, Florida Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Palm Harbor, Florida

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $8,665 $9,178
GEICO $4,796 $4,844
Liberty Mutual $5,784 $6,181
Nationwide $4,816 $4,816
Progressive $6,079 $6,079
State Farm $3,721 $3,991
USAA $3,191 $3,265

Cheap Palm Harbor, Florida Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Palm Harbor, Florida

Insurance Company Low Medium High
Allstate $6,583 $9,451 $10,732
GEICO $3,853 $5,003 $5,605
Liberty Mutual $5,424 $6,093 $6,429
Nationwide $3,634 $5,037 $5,776
Progressive $4,812 $6,257 $7,169
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 Palm Harbor, Florida

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

Best Annual Auto Insurance Rates by Company in Palm Harbor, 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 Palm Harbor, Florida Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Palm Harbor, Florida

Insurance Company Average Annual Rates
Allstate $8,922
GEICO $4,820
Liberty Mutual $5,982
Nationwide $4,816
Progressive $6,079
State Farm $3,856
USAA $3,228

What affects auto insurance rates in Palm Harbor, Florida?

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

Palm Harbor Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Palm Harbor, Florida commute length is 27.3 minutes according to City-Data.

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Compare Palm Harbor, Florida Auto Insurance Quotes

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