Best Cheap Auto Insurance in Sarasota, FL (2021)

The average Sarasota, FL auto insurance rates are $342 per month. The minimum auto insurance in Sarasota is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Sarasota, 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 Sarasota, FL for senior drivers are $2,485 per year
  • The cheapest auto insurance company in Sarasota is USAA
  • The most expensive auto insurance company in Sarasota for teen drivers is Allstate

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

Compare auto insurance in Sarasota to other Florida cities, including Tampa auto insurance rates, St. Petersburg auto insurance rates, and Cape Coral auto insurance rates to see how Sarasota, Florida auto insurance rates stack up.

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

Minimum Auto Insurance in Sarasota, Florida

Sarasota, 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 Sarasota, Florida.

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

Auto insurance rates in Sarasota, 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 Sarasota, 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 $3,925 $3,743 $3,404 $3,455 $13,359 $14,429 $3,935 $3,991
GEICO $2,741 $2,750 $2,566 $2,566 $4,943 $6,205 $3,022 $3,060
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 $3,380 $3,190 $2,915 $3,111 $9,607 $10,466 $4,064 $3,890
State Farm $1,780 $1,780 $1,618 $1,618 $5,226 $6,658 $1,977 $2,121
USAA $1,609 $1,580 $1,505 $1,490 $5,562 $6,460 $2,008 $2,164

Cheap Sarasota, Florida Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Sarasota, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,359 $14,429
GEICO $4,943 $6,205
Liberty Mutual $6,713 $10,307
Nationwide $6,169 $7,619
Progressive $9,607 $10,466
State Farm $5,226 $6,658
USAA $5,562 $6,460

Cheap Sarasota, Florida Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Sarasota, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,404 $3,455
GEICO $2,566 $2,566
Liberty Mutual $2,948 $2,948
Nationwide $2,286 $2,366
Progressive $2,915 $3,111
State Farm $1,618 $1,618
USAA $1,505 $1,490

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

Annual Sarasota, Florida Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,425 $6,481 $7,198 $6,016
GEICO $2,407 $3,093 $4,634 $3,793
Liberty Mutual $3,324 $4,315 $6,263 $4,539
Nationwide $3,133 $3,430 $4,607 $3,476
Progressive $3,997 $5,940 $4,990 $5,384
State Farm $2,601 $3,093 $2,847 $2,847
USAA $2,181 $2,702 $4,018 $2,289

Cheap Sarasota, Florida Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Sarasota, Florida

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,198
GEICO $4,634
Liberty Mutual $6,263
Nationwide $4,607
Progressive $4,990
State Farm $2,847
USAA $4,018

Cheap Sarasota, Florida Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Sarasota, Florida

Insurance Company Poor Fair Good
Allstate $8,754 $5,562 $4,525
GEICO $5,099 $3,062 $2,284
Liberty Mutual $5,922 $4,361 $3,547
Nationwide $4,572 $3,365 $3,048
Progressive $6,605 $4,700 $3,929
State Farm $3,902 $2,551 $2,089
USAA $4,540 $2,230 $1,622

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Cheap Sarasota, Florida Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Sarasota, Florida

ZIP Code Average Annual Rates
34236 $3,135
34237 $3,179
34238 $3,139
34239 $3,144
34240 $3,220
34241 $3,084
34242 $3,107
34243 $3,225

Cheap Sarasota, Florida Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Sarasota, Florida

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $6,100 $6,461
GEICO $3,465 $3,499
Liberty Mutual $4,463 $4,757
Nationwide $3,662 $3,662
Progressive $5,078 $5,078
State Farm $2,751 $2,944
USAA $2,766 $2,829

Cheap Sarasota, Florida Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Sarasota, Florida

Insurance Company Low Medium High
Allstate $5,061 $6,555 $7,224
GEICO $2,847 $3,605 $3,993
Liberty Mutual $4,234 $4,679 $4,917
Nationwide $2,936 $3,798 $4,250
Progressive $4,280 $5,194 $5,760
State Farm $2,435 $2,916 $3,191
USAA $2,412 $2,898 $3,083

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Best By Category: Cheapest Auto Insurance in Sarasota, Florida

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

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

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

Average Annual Auto Insurance Rates by Company in Sarasota, Florida

Insurance Company Average Annual Rates
Allstate $6,280
GEICO $3,482
Liberty Mutual $4,610
Nationwide $3,662
Progressive $5,078
State Farm $2,847
USAA $2,797

What affects auto insurance rates in Sarasota, Florida?

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

Sarasota Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Sarasota, Florida auto theft statistics, there have been 134 auto thefts in the city.

Sarasota Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Sarasota, Florida commute length is 24.4 minutes according to City-Data.

Sarasota Traffic

How does Sarasota, Florida rank for traffic? According to Inrix Sarasota, Florida is the 173rd most congested worldwide.

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Compare Sarasota, Florida Auto Insurance Quotes

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