Best Pierson, Florida Auto Insurance in 2025 (Top 10 Providers Ranked)
If you're searching for the best Pierson, Florida auto insurance, check out Geico, USAA, and Liberty Mutual, where rates start at $53 per month. These companies stand out with a user-friendly mobile app, military family coverage, and customizable options for Pierson, Florida residents.
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Feature Writer
Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...
Rachel Bodine
Licensed Insurance Agent
Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...
Jeff Root
Updated October 2024
19,116 reviewsCompany Facts
Full Coverage in Pierson Florida
A.M. Best
Complaint Level
Pros & Cons
19,116 reviews
6,590 reviewsCompany Facts
Full Coverage in Pierson Florida
A.M. Best
Complaint Level
Pros & Cons
6,590 reviews
3,792 reviewsCompany Facts
Full Coverage in Pierson Florida
A.M. Best
Complaint Level
Pros & Cons
3,792 reviews
Explore the best Pierson, Florida auto insurance with Geico, USAA, and Liberty Mutual, offering premiums as low as $53/month.
This article provides a comprehensive guide to help you identify who are the reputable auto insurance companies in the area.
We’ll explore coverage options, factors affecting premiums, and tips for securing affordable rates. Whether you’re a first-time buyer or looking to switch providers, this guide will equip you with the essential information to make informed decisions about your auto insurance.
Our Top 10 Company Picks: Best Pierson, Florida Auto Insurance
Company Rank Bundling Discount A.M. Best Best For Jump to Pros/Cons
#1 25% A++ Competitive Rates Geico
#2 10% A++ Military Benefits USAA
#3 25% A Customizable Policies Liberty Mutual
#4 10% A+ Innovative Technology Progressive
#5 20% A Comprehensive Coverage Farmers
#6 17% B Reliable Service State Farm
#7 20% A+ Broad Availability Nationwide
#8 25% A+ Strong Support Allstate
#9 5% A+ Senior Benefits The Hartford
#10 25% A Family-Oriented American Family
To find out if you can get cheaper auto insurance rates, enter your ZIP code into our free quote tool above to instantly compare prices from various companies near you.
- Discover the best auto insurance providers in Pierson, Florida, tailored to local needs
- Geico offer the best auto insurance deal for drivers in Pierson
- Learn tips for securing the best coverage at competitive prices
#1 – Geico: Best for Competitive Rates
Pros
- Unbeatable Rates in Pierson: Geico offers the second-lowest full coverage premium at $130/month for Pierson drivers, making it an excellent choice for budget-conscious Florida residents.
- Substantial Bundling Savings: Pierson homeowners can save up to 25% by bundling auto and home insurance with Geico, one of the highest bundling discounts available in Florida.
- Top-tier Financial Strength: With an A++ rating as mentioned in our Geico auto insurance review, Geico provides Pierson drivers peace of mind knowing their claims will be taken care of.
Cons
- Limited Local Agent Presence: Pierson residents may find it challenging to get personalized, face-to-face service from Geico due to its primarily online and phone-based operations in Florida.
- Fewer Customization Options: Compared to some competitors, Geico offers fewer add-ons and policy customization choices for Pierson drivers seeking highly tailored coverage.
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#2 – USAA: Best for Military Benefits
Pros
- Exceptional Military Benefits: USAA offers unparalleled coverage and discounts for Pierson’s military community, including active duty, veterans, and their families.
- Lowest Premiums in Pierson: At just $115/month for full coverage, USAA provides the most affordable auto insurance option for eligible Pierson residents. (Read More: USAA Auto Insurance Review)
- Comprehensive Discount Selection: Pierson drivers can take advantage of USAA’s extensive discount options, including savings for safe driving, loyalty, and multiple policies.
Cons
- Restricted Eligibility: Many Pierson residents may not qualify for USAA’s services, as membership is limited to military personnel and their immediate family members.
- Limited Local Presence: With no physical offices in Pierson, Florida, USAA members may find it difficult to receive in-person assistance for their auto insurance needs.
#3 – Liberty Mutual: Best for Customizable Policies
Pros
- Highly Customizable Policies: Pierson drivers can tailor their coverage with Liberty Mutual’s extensive options, ensuring their unique auto insurance needs are met.
- Better Car Replacement: In our Liberty Mutual auto insurance review they have a better car replacement program that allows Pierson drivers to replace their totaled car with a newer model.
- Accident Forgiveness Option: Liberty Mutual offers Pierson drivers the chance to avoid rate increases after their first accident, providing peace of mind on Florida’s busy roads.
Cons
- No Instant Online Quotes: Liberty Mutual does not provide instant online quotes, which may deter potential customers seeking quick estimates.
- Mixed Customer Reviews: Some Pierson policyholders have reported challenges with claims processing and customer service, which may be a concern for those prioritizing smooth interactions.
#4 – Progressive: Best for Innovative Technology
Pros
- Cutting-edge Technology: Pierson drivers benefit from Progressive’s innovative tools like the Name Your Price® tool and Snapshot® program, tailoring coverage to their needs and driving habits.
- Competitive Rates for Pierson: With full coverage at $140/month, Progressive offers Pierson residents a balance of affordability and comprehensive protection on Florida roads.
- Extensive Discount Opportunities: Pierson policyholders can access many discount opportunities. Know more about their discounts in our Progressive auto insurance review.
Cons
- Varying Customer Service Experiences: Some Pierson customers have reported inconsistent service quality, which may be a concern for those prioritizing reliable support.
- Potential for Rate Increases: Progressive’s rates in Pierson may increase more dramatically than some competitors after accidents or violations, impacting long-term affordability for some Florida drivers.
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#5 – Farmers: Best for Comprehensive Coverage
Pros
- Comprehensive Coverage Options: Pierson drivers can choose from a wide range of add-ons and customizations, ensuring their unique Florida auto insurance needs are fully met.
- Coverage for Rideshare Drivers: Farmers offers tailored policies for Pierson’s growing number of rideshare drivers. (Read More: Farmers Auto Insurance Review)
- Specialized Coverage for Rideshare Drivers: Farmers offers tailored policies for Pierson’s growing number of rideshare drivers, filling an important gap in standard auto insurance.
Cons
- Higher Premiums in Pierson: At $170/month for full coverage, Farmers’ rates are among the highest in our Pierson, Florida auto insurance comparison.
- Limited Online Capabilities: Pierson policyholders may find Farmers’ digital tools and online services less advanced compared to some tech-savvy competitors in the Florida market.
#6 – State Farm: Best for Reliable Service
Pros
- Extensive Agent Network in Florida: Pierson residents benefit from State Farm’s large presence in the state, learn more in our State Farm auto insurance review.
- Competitive Rates for Pierson Drivers: With full coverage at $150/month, State Farm offers Pierson residents affordable protection that’s below the average cost in our comparison.
- User-Friendly Mobile App: Their mobile app provides convenient access to policy management, claims filing, and payment options, enhancing the overall customer experience for Pierson residents.
Cons
- Limited Rideshare Coverage: Pierson drivers working for rideshare companies may find State Farm’s options less comprehensive compared to some competitors in the Florida market.
- Fewer Advertised Discounts: While State Farm offers several discounts, Pierson residents may find fewer opportunities for savings compared to some other insurers in our Florida comparison.
#7 – Nationwide: Best for Broad Availability
Pros
- Wide Range of Coverage Options: Pierson drivers can customize their policies with Nationwide’s extensive selection of add-ons, ensuring comprehensive protection on Florida roads.
- Strong Financial Stability: With an A+ rating from A.M. Best, Nationwide offers Pierson policyholders the security of knowing their claims will be handled efficiently and reliably.
- On Your Side® Review: Pierson residents benefit from annual policy reviews, ensuring their coverage keeps pace with changing needs and potentially uncovering new discounts.
Cons
- Limited Local Support: There aren’t many Nationwide helpers in Florida as mentioned in our Nationwide auto insurance review, so Pierson drivers might have a hard time getting support.
- Average Premiums for Pierson: At $145/month for full coverage, Nationwide’s rates fall in the middle range for Pierson, which may not satisfy drivers seeking the lowest possible premiums.
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#8 – Allstate: Best for Strong Support
Pros
- Robust Support Network: Pierson policyholders benefit from Allstate’s extensive agent network in Florida, ensuring easy access to personalized assistance and claims support.
- Drivewise® Program: Explore our Allstate auto insurance review as Pierson drivers can earn rewards and discounts for safe driving habits through their usage-based insurance program.
- Accident Forgiveness Option: Eligible Pierson residents can avoid rate increases after their first accident, providing valuable peace of mind on Florida’s busy roads.
Cons
- Higher-than-Average Premiums: At $165/month for full coverage in Pierson, Allstate’s rates are on the pricier side compared to some competitors in our Florida auto insurance comparison.
- Complex Policy Structure: Some Pierson drivers may find Allstate’s coverage options and policy terms more complicated than those of other insurers, potentially making it challenging to understand their protection.
#9 – The Hartford: Best for Senior Benefits
Pros
- Specialized Coverage for Seniors: In our review of The Hartford auto insurance they offer tailored policies and discounts for Pierson’s AARP members.
- RecoverCare Coverage: Pierson policyholders benefit from unique post-accident assistance, covering costs like transportation and home care after an auto accident.
- Lifetime Renewability: Eligible Pierson drivers can secure lifelong coverage with The Hartford, ensuring continuous protection regardless of age or driving record changes.
Cons
- Highest Premiums in Comparison: At $175/month for full coverage, The Hartford offers the most expensive option for Pierson drivers in our Florida auto insurance comparison.
- Limited Appeal for Younger Drivers: Pierson residents who aren’t AARP members or over 50 may find The Hartford’s policies less tailored to their needs compared to other Florida insurers.
#10 – American Family: Best for Family-Oriented
Pros
- Family-Oriented Policies: Explore our American Family auto insurance review for their specialized coverage options and discounts for Pierson families.
- MyAmFam App: Pierson policyholders can easily manage their coverage, file claims, and access roadside assistance through American Family’s user-friendly mobile app.
- Unique Insurance Programs: American Family offers innovative programs like their “Sound Insured” option, which protects sound systems and other accessories, catering to car enthusiasts in Pierson.
Cons
- Limited Availability in Florida: American Family’s services may not be as widely available in Pierson and other parts of Florida compared to some national competitors.
- Average Premiums for Pierson: At $155/month for full coverage, American Family’s rates fall in the middle range for Pierson, which may not satisfy drivers seeking the lowest possible premiums.
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Pierson, FL Auto Insurance Rates Comparison
When searching for the best auto insurance in Pierson, Florida, it’s crucial to consider both minimum and full coverage auto insurance rates. The table below showcases competitive pricing from top insurers, with USAA offering the lowest minimum coverage at $48 and Geico providing full coverage for just $130.
Pierson, Florida Auto Insurance Monthly Rates by Provider & Coverage Level
Insurance Company Minimum Coverage Full Coverage
$70 $165
$65 $155
$68 $170
$53 $130
$63 $160
$60 $145
$58 $140
$64 $150
$75 $175
$48 $115
Choosing the right auto insurance in Pierson, FL, involves balancing coverage options and cost. With options like USAA and Geico leading in affordability, drivers can find policies that meet their needs without breaking the bank.
Florida minimum auto insurance requirements mandate specific liability coverage to ensure adequate protection on the road. Drivers must carry a minimum of $10,000 in bodily injury liability coverage per person and $20,000 per accident, along with at least $10,000 for property damage liability. These minimum limits are crucial for maintaining compliance and safeguarding against potential financial losses.
Pierson, FL Auto Insurance Discounts
If you’re looking for the best car insurance in Pierson, Florida, you can save a lot of money by getting auto insurance discounts. Some companies give you money off if you have more than one kind of insurance or if you drive safely.
Auto Insurance Discounts From the Top Providers in Pierson, Florida
Insurance Company Available Discounts
Multi-Policy, Multi-Vehicle, Good Student, Defensive Driving, New Car, Anti-Theft Device, Safe Driver, Early Signing, Responsible Payer, Full-Pay, Paperless
Multi-Policy, Loyalty, Good Student, Teen Driver, Accident-Free, Early Bird (new Policy), Defensive Driving, Auto Safety, Away-At-School
Multi-Policy, Safe Driver, Good Student, Teen Driver, Defensive Driving, Mature Driver, Electronic Billing, Anti-Theft Device, Homeowner, Alternative Fuel
Multi-Policy, Safe Driver, Defensive Driving, Vehicle Safety, Good Student, Military, Anti-Theft System, New Vehicle, Emergency Deployment, Membership/employee
Multi-Policy, Multi-Vehicle, Good Student, Safe Driver, Anti-Theft, Homeowner, Military, Hybrid Vehicle, Advanced Safety Features, Early Shopper
Multi-Policy, Smart Ride (Usage-Based), Paperless, Good Student, Accident-Free, Safe Driver, Defensive Driving, Anti-Theft, Homeowner, Easy Pay Sign-Up
Multi-Policy, Multi-Vehicle, Continuous Insurance, Good Student, Homeowner, Sign Online, Snapshot Program (usage-Based), Teen Driver, Paperless
Multi-Policy, Good Driver, Good Student, Defensive Driving, Accident-Free, Safe Vehicle, Driver Training, Multi-Car, Vehicle Safety, Passive Restraint
Multi-Policy, Safe Driver, Defensive Driving, Vehicle Safety, Anti-Theft Device, Hybrid/Electric Car, Good Student, Aarp Membership, Pay-In-Full
Multi-Policy, Safe Driver, Good Student, New Vehicle, Defensive Driving, Military Base, Stored Vehicle, Annual Mileage, Loyalty
The table above shows different discounts from major insurance companies to help you find the best and cheapest coverage for you.
Impact of Driving Records on Auto Insurance Rates in Pierson, FL
When evaluating auto insurance options in Pierson, Florida, understanding how violations impact premiums is crucial for making an informed choice.
A clean driving record can lower your car insurance premiums, while a single ticket can raise your rates.Kristine Lee LICENSED INSURANCE AGENT
The table below outlines monthly rates from various insurers for drivers with clean records, one accident, one DUI, and one speeding violation, illustrating the importance of safe driving in relation to how auto insurance companies check driving records.
Pierson, Florida Full Coverage Auto Insurance Monthly Rates by Driving Record
| Insurance Company | Clean Record | One Accident | One Ticket | One DUI |
|---|---|---|---|---|
| $444 | $530 | $493 | $591 |
| $197 | $251 | $305 | $370 |
| $284 | $368 | $387 | $532 |
| $248 | $272 | $275 | $364 |
| $314 | $461 | $419 | $389 |
| $223 | $265 | $244 | $244 |
| $159 | $196 | $167 | $291 |
By considering these factors, drivers in Pierson can make informed choices and secure the coverage they need at a price that fits their budget.
When evaluating auto insurance rates, drivers must pay particular attention to the impact of DUIs on premiums. Table below shows the monthly costs for various insurance companies for drivers with a DUI, emphasizing the importance of maintaining a clean driving record to secure the most affordable coverage.
Pierson, Florida DUI Full Coverage Auto Insurance Rates
| Insurance Company | Monthly Rates |
|---|---|
| $591 |
| $370 |
| $532 |
| $364 |
| $389 |
| $244 |
| $291 |
The costs associated with auto insurance significantly increase for drivers with DUI, underscoring the critical importance of safe driving habits.
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Commute and Mileage Affect Car Insurance in Pierson, FL
In Pierson, Florida, the cost of auto insurance changes a great deal. It depends on how far you drive to work and how many miles you put on each year.
Pierson, Florida Full Coverage Auto Insurance Monthly Rates by Annual Mileage
| Insurance Company | 6,000 Miles | 12,000 Miles |
|---|---|---|
| $500 | $529 |
| $280 | $282 |
| $380 | $405 |
| $290 | $290 |
| $396 | $396 |
| $236 | $252 |
| $201 | $206 |
How annual mileage affects your auto insurance rates is evident, with USAA offering the lowest rates, starting at $201 per month, and Allstate reaching up to $529 per month.
Impact of Demographics on Insurance Costs in Pierson, FL
It’s important to know how things like how old you are, if you’re male or female, and if you’re married can change how much car insurance costs in Pierson, Florida. The table below shows how much different groups of people pay for insurance each month from some of the best companies.
Pierson, Florida Full Coverage Auto Insurance Monthly Rates by Age & Gender
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 60 Female | Age: 60 Male |
|---|---|---|---|---|---|---|---|---|
| $1,094 | $1,193 | $320 | $326 | $317 | $305 | $278 | $283 |
| $394 | $495 | $245 | $249 | $223 | $224 | $208 | $208 |
| $572 | $880 | $273 | $369 | $273 | $273 | $251 | $251 |
| $485 | $597 | $224 | $233 | $204 | $201 | $183 | $189 |
| $741 | $805 | $320 | $305 | $267 | $252 | $230 | $246 |
| $445 | $567 | $171 | $183 | $154 | $154 | $140 | $140 |
| $402 | $467 | $147 | $158 | $118 | $116 | $110 | $109 |
Drivers must compare rates to find the coverage that suits their needs. With the right information, one can make a wise choice and obtain auto insurance that is both affordable and adequate.
For those specifically looking for cheap auto insurance for 17-year-olds, understanding the options available can lead to significant savings.
Influence of Credit Scores on Insurance Rates in Pierson, FL
When evaluating the best auto insurance options in Pierson, FL, understanding how credit scores affect auto insurance rates is crucial. The table below presents monthly premium estimates for various insurance companies, showcasing the significant differences in costs based on credit score classifications.
Pierson, Florida Full Coverage Auto Insurance Monthly Rates by Credit Score
| Insurance Company | Good Credit | Fair Credit | Poor Credit |
|---|---|---|---|
| $371 | $455 | $717 |
| $188 | $248 | $407 |
| $302 | $371 | $505 |
| $241 | $266 | $362 |
| $304 | $366 | $517 |
| $180 | $219 | $333 |
| $118 | $162 | $330 |
Companies like USAA and Geico offer competitive monthly premiums for drivers with good credit, while Allstate tends to be higher across all categories.
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Additional Factors Affecting Pierson, FL Insurance Rates
In Pierson, Florida, the cost of auto insurance changes a lot. It depends on things like how busy the roads are and how often cars are stolen. These factors shape the risk of insuring a vehicle. The people there spend an average of 38 minutes getting to work, which makes their premiums higher than in places where commutes are shorter. Anyone looking for insurance should know these details.
Pierson, Florida Report Card: Auto Insurance Premiums
Category Grade Explanation
Vehicle Theft Rate B Lower-than-average vehicle theft rate due to the rural nature of the area
Traffic Density A Low traffic density with minimal congestion due to the small population
Weather-Related Risks C Higher risk due to seasonal hurricanes and tropical storms
Average Claim Size B Claims are generally average compared to other rural areas in Florida
Uninsured Drivers Rate B Slightly below the state average for uninsured drivers in rural regions
Pierson has a low vehicle theft rate due to its rural nature, earning a ‘B’. Minimal congestion and low traffic density earn it an ‘A’ for traffic. However, seasonal hurricanes and tropical storms result in a ‘C’ for weather risks. Average claim size and uninsured drivers rates are slightly below state averages, both receiving a ‘B’.
Pierson, Florida Auto Accident & Insurance Claim Statistics
| Factor | Value |
|---|---|
| Accidents per Year | 200 |
| Claims per Year | 150 |
| Average Claim Cost | $5,200 |
| Percentage of Uninsured Drivers | 14% |
| Vehicle Theft Rate | 40 thefts/year |
| Traffic Density | Low |
| Weather-Related Incidents | High |
The has about 200 accidents and 150 insurance claims annually, with an average claim cost of $5,200. Around 14% of drivers are uninsured, 40 vehicle thefts occur yearly, traffic density is low, but weather-related incidents are high.
Residents living in the ZIP code area 32180 can expect to pay an average monthly premium for auto insurance amounting to approximately $256.
Frequently Asked Questions
What is Pierson, Florida known for?
Pierson, Florida, is known as the “Fern Capital of the World” due to its large-scale fern industry. It is also recognized for its quiet, rural lifestyle and agricultural heritage.
Who is the largest auto insurance provider in Florida?
The largest auto insurance provider in Florida by market share is State Farm, known for its extensive network and reliable service across the state. Learn more in our State Farm auto insurance review.
What is the number one auto insurance company in Florida?
Geico is often considered the number one auto insurance company in Florida, known for its competitive rates, customer service, and online tools for managing policies. If you’re just looking for coverage to drive legally, enter your ZIP code below to compare cheap auto insurance quotes near you.
Why is Pierson famous?
Pierson is famous for its agricultural contributions, specifically its fern industry. The town’s quiet rural character and proximity to natural attractions make it well-known in the region.
Is Pierson, FL a good place to live?
Yes, Pierson, FL, is a good place to live for those who enjoy a rural lifestyle. It offers a peaceful environment, low traffic, and is ideal for individuals seeking a quieter pace of life.
Why is Florida car insurance so expensive?
Florida car insurance tends to be expensive due to factors such as a high rate of uninsured drivers, frequent hurricanes and tropical storms, and the state’s no-fault insurance system, which increases insurance claims. For more information read our article titled “Why is Florida auto insurance so expensive?”
How much is monthly car insurance in Florida?
The average monthly car insurance rate in Florida is around $100 to $300, depending on factors such as driving record, vehicle type, and coverage levels.
Do you really need car insurance in Florida?
Yes, car insurance is mandatory in Florida. Drivers must carry at least $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL) to legally drive in the state.
Read More: When did auto insurance become mandatory?
Is Florida insurance high?
Yes, Florida has some of the highest auto insurance rates in the nation due to its no-fault insurance laws, high accident rates, and exposure to extreme weather conditions.
Who is the cheapest auto insurance in Florida?
Geico and USAA are often ranked as the cheapest auto insurance providers in Florida, offering competitive rates and discounts for eligible drivers.
Uncover affordable auto insurance rates from the top providers by entering your ZIP code below.
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