Plant City, FL Auto Insurance (2023)
The average Plant City, FL auto insurance rates are $432 per month. The minimum auto insurance in Plant City is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Plant City, Florida, compare quotes from multiple companies.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
UPDATED: Nov 27, 2023
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.
UPDATED: Nov 27, 2023
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.
On This Page
- The minimum auto insurance required in Plant City, Florida is 10/20/10
- The most expensive auto insurance company in Plant City for teen drivers is Allstate
- Average auto insurance rates in Plant City, FL for senior drivers are $3,114 per year
Plant City, Florida auto insurance requirements are 10/20/10 according to Florida auto insurance laws. Finding cheap auto insurance in Plant City 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 Plant City, Florida, including driving record, credit, commute time, and more.
Compare auto insurance in Plant City to other Florida cities, including Port St. Lucie auto insurance rates, Tallahassee auto insurance rates, and St. Petersburg auto insurance rates to see how Plant City, Florida auto insurance rates stack up.
Before you buy Plant City, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Plant City, Florida auto insurance quotes.
Minimum Auto Insurance in Plant City, Florida
Plant City, 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 Plant City, 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 Plant City, Florida Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Plant City, Florida are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 | $5,121 | $4,966 | $4,520 | $4,630 | $18,684 | $20,611 | $5,149 | $5,253 |
| Geico | $3,453 | $3,466 | $3,232 | $3,232 | $6,128 | $7,624 | $3,796 | $3,835 |
| Liberty Mutual | $3,914 | $3,914 | $3,589 | $3,589 | $8,239 | $12,678 | $3,914 | $5,299 |
| Nationwide | $3,503 | $3,456 | $3,117 | $3,226 | $8,598 | $10,611 | $3,869 | $4,029 |
| Progressive | $3,975 | $3,730 | $3,395 | $3,641 | $11,200 | $12,168 | $4,778 | $4,525 |
| State Farm | $2,187 | $2,187 | $1,981 | $1,981 | $6,343 | $8,111 | $2,427 | $2,603 |
| USAA | $1,854 | $1,823 | $1,736 | $1,720 | $6,347 | $7,353 | $2,315 | $2,497 |
Cheap Plant City, Florida Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Plant City, Florida is a challenge. Take a look at the annual teen auto insurance rates in Plant City, Florida.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $18,684 | $20,611 |
| Geico | $6,128 | $7,624 |
| Liberty Mutual | $8,239 | $12,678 |
| Nationwide | $8,598 | $10,611 |
| Progressive | $11,200 | $12,168 |
| State Farm | $6,343 | $8,111 |
| USAA | $6,347 | $7,353 |
Cheap Plant City, Florida Auto Insurance for Seniors
What are senior auto insurance rates in Plant City, Florida? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $4,520 | $4,630 |
| Geico | $3,232 | $3,232 |
| Liberty Mutual | $3,589 | $3,589 |
| Nationwide | $3,117 | $3,226 |
| Progressive | $3,395 | $3,641 |
| State Farm | $1,981 | $1,981 |
| USAA | $1,736 | $1,720 |
Cheap Plant City, 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 Plant City, Florida compared to the annual auto insurance rates with a clean record in Plant City, Florida.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $7,382 | $8,877 | $9,965 | $8,243 |
| Geico | $3,025 | $3,868 | $5,762 | $4,729 |
| Liberty Mutual | $4,059 | $5,279 | $7,677 | $5,554 |
| Nationwide | $4,294 | $4,723 | $6,405 | $4,783 |
| Progressive | $4,678 | $6,920 | $5,830 | $6,278 |
| State Farm | $3,184 | $3,771 | $3,477 | $3,477 |
| USAA | $2,511 | $3,100 | $4,580 | $2,633 |
Cheap Plant City, Florida Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Plant City, Florida is not easy. Compare the annual rates for DUI auto insurance in Plant City, Florida to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $9,965 |
| Geico | $5,762 |
| Liberty Mutual | $7,677 |
| Nationwide | $6,405 |
| Progressive | $5,830 |
| State Farm | $3,477 |
| USAA | $4,580 |
Cheap Plant City, Florida Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Plant City, Florida annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $12,011 | $7,636 | $6,204 |
| Geico | $6,327 | $3,832 | $2,879 |
| Liberty Mutual | $7,264 | $5,334 | $4,329 |
| Nationwide | $6,331 | $4,634 | $4,188 |
| Progressive | $7,722 | $5,491 | $4,566 |
| State Farm | $4,737 | $3,124 | $2,571 |
| USAA | $5,224 | $2,548 | $1,845 |
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Cheap Plant City, Florida Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Plant City, Florida can vary. Compare the annual cost of auto insurance by ZIP code in Plant City, Florida to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 33563 | $4,000 |
| 33565 | $4,001 |
| 33566 | $4,000 |
| 33567 | $3,995 |
Cheap Plant City, Florida Auto Insurance Rates By Commute
Commute length and annual mileage affect Plant City, Florida auto insurance. Find the cheapest annual Plant City, Florida auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $8,368 | $8,865 |
| Geico | $4,325 | $4,367 |
| Liberty Mutual | $5,460 | $5,824 |
| Nationwide | $5,051 | $5,051 |
| Progressive | $5,926 | $5,926 |
| State Farm | $3,359 | $3,596 |
| USAA | $3,169 | $3,242 |
Cheap Plant City, Florida Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Plant City, Florida? Check out the comparison of annual Plant City, Florida auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $6,351 | $9,129 | $10,370 |
| Geico | $3,528 | $4,499 | $5,011 |
| Liberty Mutual | $5,191 | $5,728 | $6,008 |
| Nationwide | $3,956 | $5,256 | $5,942 |
| Progressive | $4,894 | $6,073 | $6,813 |
| State Farm | $2,955 | $3,562 | $3,915 |
| USAA | $2,746 | $3,324 | $3,547 |
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Best By Category: Cheapest Auto Insurance in Plant City, Florida
Compare the cheapest auto insurance companies in Plant City, Florida in each category to find the company with the best rates for your personal needs.
| 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 Plant City, Florida Auto Insurance Companies
What auto insurance companies in Plant City, Florida are the cheapest? Compare the top Plant City, Florida auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $8,617 |
| Geico | $4,346 |
| Liberty Mutual | $5,642 |
| Nationwide | $5,051 |
| Progressive | $5,926 |
| State Farm | $3,477 |
| USAA | $3,206 |
What affects auto insurance rates in Plant City, Florida?
There are a lot of reasons why auto insurance rates in Plant City, Florida are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Plant City, Florida. Many local factors may affect your Plant City auto insurance rates.
Plant City Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Plant City, Florida auto theft statistics, there have been 110 auto thefts in the city.
Plant City Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Plant City, Florida commute length is 24.9 minutes according to City-Data.
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Compare Plant City, Florida Auto Insurance Quotes
Before you buy Plant City, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Plant City, Florida auto insurance quotes.
Frequently Asked Questions
What is auto insurance?
Auto insurance is a type of coverage that protects you financially in the event of an accident or damage to your vehicle. It provides financial protection against bodily injury liability, property damage liability, and medical expenses.
Is auto insurance required in Plant City, FL?
Yes, auto insurance is mandatory in Plant City, FL, as it is in the entire state of Florida. The minimum required coverage includes personal injury protection (PIP) and property damage liability (PDL).
What does personal injury protection (PIP) cover?
Personal injury protection (PIP) is a type of coverage that pays for medical expenses, lost wages, and other related expenses regardless of who is at fault in an accident. It is required in Florida and provides coverage for you and your passengers.
What is property damage liability (PDL) coverage?
Property damage liability (PDL) coverage is a type of insurance that covers the cost of damage you may cause to someone else’s property in an accident. It helps pay for repairs or replacement of the other person’s vehicle or property.
What other types of coverage are available in auto insurance?
In addition to PIP and PDL, there are several optional coverages available in auto insurance. These include comprehensive coverage, collision coverage, uninsured/underinsured motorist coverage, and additional liability coverage.
What does comprehensive coverage cover?
Comprehensive coverage helps pay for damages to your vehicle that are not caused by a collision, such as theft, vandalism, fire, or natural disasters. It provides coverage for a wide range of non-collision incidents.
What does collision coverage cover?
Collision coverage is designed to cover damages to your vehicle that result from a collision with another vehicle or object, regardless of who is at fault. It helps pay for repairs or replacement of your vehicle.
What is uninsured/underinsured motorist coverage?
Uninsured/underinsured motorist coverage provides protection if you are involved in an accident with a driver who either doesn’t have insurance or doesn’t have enough insurance to cover the damages. It helps pay for medical expenses and damages to your vehicle.
How are auto insurance premiums determined?
Auto insurance premiums are determined based on various factors, including your driving record, age, gender, location, type of vehicle, coverage limits, and deductibles. Insurance companies assess the risk associated with insuring you and calculate premiums accordingly.
How can I save money on auto insurance?
There are several ways to save money on auto insurance. These include maintaining a good driving record, bundling multiple policies with the same insurance company, choosing higher deductibles, taking advantage of available discounts, and comparing quotes from multiple insurance providers.
How do I file an auto insurance claim?
To file an auto insurance claim, you need to contact your insurance provider and provide them with the necessary information about the accident or incident. This typically includes details about the parties involved, the date and location of the incident, and any relevant documentation, such as police reports or medical bills. Your insurance company will guide you through the claims process.
How long does it take to process an auto insurance claim?
The time it takes to process an auto insurance claim can vary depending on the complexity of the claim and the responsiveness of the parties involved. Simple claims can be processed within a few days, while more complicated claims may take several weeks. Your insurance company should be able to provide you with an estimated timeline.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
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.