Best Cheap Auto Insurance in Ponce Inlet, FL (2021)

The average Ponce Inlet, FL auto insurance rates are $330 per month. The minimum auto insurance in Ponce Inlet is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Ponce Inlet, 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 Ponce Inlet, FL for senior drivers are $2,405 per year
  • The minimum auto insurance required in Ponce Inlet, Florida is 10/20/10
  • The most expensive auto insurance company in Ponce Inlet for teen drivers is Allstate

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

Compare auto insurance in Ponce Inlet to other Florida cities, including Jacksonville auto insurance rates, Cape Coral auto insurance rates, and Tampa auto insurance rates to see how Ponce Inlet, Florida auto insurance rates stack up.

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

Minimum Auto Insurance in Ponce Inlet, Florida

Ponce Inlet, 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 Ponce Inlet, Florida.

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

Auto insurance rates in Ponce Inlet, 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 Ponce Inlet, 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 $3,917 $3,784 $3,435 $3,509 $13,809 $15,126 $3,956 $4,036
GEICO $2,671 $2,685 $2,501 $2,501 $4,733 $5,943 $2,941 $2,990
Liberty Mutual $3,276 $3,276 $3,006 $3,006 $6,868 $10,554 $3,276 $4,425
Nationwide $2,447 $2,417 $2,190 $2,264 $5,823 $7,167 $2,690 $2,799
Progressive $3,204 $3,024 $2,763 $2,949 $8,890 $9,662 $3,842 $3,657
State Farm $1,607 $1,607 $1,461 $1,461 $4,636 $5,914 $1,780 $1,909
USAA $1,411 $1,386 $1,319 $1,307 $4,823 $5,602 $1,760 $1,899

Cheap Ponce Inlet, Florida Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Ponce Inlet, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,809 $15,126
GEICO $4,733 $5,943
Liberty Mutual $6,868 $10,554
Nationwide $5,823 $7,167
Progressive $8,890 $9,662
State Farm $4,636 $5,914
USAA $4,823 $5,602

Cheap Ponce Inlet, Florida Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Ponce Inlet, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,435 $3,509
GEICO $2,501 $2,501
Liberty Mutual $3,006 $3,006
Nationwide $2,190 $2,264
Progressive $2,763 $2,949
State Farm $1,461 $1,461
USAA $1,319 $1,307

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

Annual Ponce Inlet, Florida Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,551 $6,642 $7,419 $6,174
GEICO $2,369 $3,009 $4,444 $3,661
Liberty Mutual $3,404 $4,412 $6,389 $4,638
Nationwide $2,975 $3,258 $4,367 $3,298
Progressive $3,766 $5,531 $4,673 $5,025
State Farm $2,332 $2,762 $2,547 $2,547
USAA $1,908 $2,356 $3,487 $2,001

Cheap Ponce Inlet, Florida Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Ponce Inlet, Florida

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,419
GEICO $4,444
Liberty Mutual $6,389
Nationwide $4,367
Progressive $4,673
State Farm $2,547
USAA $3,487

Cheap Ponce Inlet, Florida Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Ponce Inlet, Florida

Insurance Company Poor Fair Good
Allstate $8,982 $5,708 $4,649
GEICO $4,878 $2,979 $2,255
Liberty Mutual $6,055 $4,456 $3,621
Nationwide $4,338 $3,194 $2,892
Progressive $6,207 $4,387 $3,653
State Farm $3,469 $2,288 $1,884
USAA $3,955 $1,944 $1,416

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Cheap Ponce Inlet, Florida Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Ponce Inlet, Florida

ZIP Code Average Annual Rates
32127 $3,057

Cheap Ponce Inlet, Florida Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Ponce Inlet, Florida

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $6,262 $6,631
GEICO $3,354 $3,387
Liberty Mutual $4,560 $4,861
Nationwide $3,475 $3,475
Progressive $4,749 $4,749
State Farm $2,462 $2,632
USAA $2,411 $2,466

Cheap Ponce Inlet, Florida Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Ponce Inlet, Florida

Insurance Company Low Medium High
Allstate $4,934 $6,790 $7,616
GEICO $2,721 $3,495 $3,896
Liberty Mutual $4,290 $4,787 $5,054
Nationwide $2,745 $3,612 $4,067
Progressive $3,955 $4,862 $5,430
State Farm $2,172 $2,609 $2,860
USAA $2,103 $2,526 $2,686

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Best By Category: Cheapest Auto Insurance in Ponce Inlet, Florida

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

Best Annual Auto Insurance Rates by Company in Ponce Inlet, 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 Ponce Inlet, Florida Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Ponce Inlet, Florida

Insurance Company Average Annual Rates
Allstate $6,447
GEICO $3,371
Liberty Mutual $4,711
Nationwide $3,475
Progressive $4,749
State Farm $2,547
USAA $2,438

What affects auto insurance rates in Ponce Inlet, Florida?

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

Ponce Inlet Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Ponce Inlet, Florida auto theft statistics, there have been 9 auto thefts in the city.

Ponce Inlet Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Ponce Inlet, Florida commute length is 33.3 minutes according to City-Data.

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Compare Ponce Inlet, Florida Auto Insurance Quotes

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