Best Cheap Auto Insurance in South Bay, FL (2021)

The average South Bay, FL auto insurance rates are $446 per month. The minimum auto insurance in South Bay is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in South Bay, 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: Jul 18, 2021

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Things to Remember

  • The cheapest auto insurance company in South Bay is USAA
  • Average auto insurance rates in South Bay, FL for senior drivers are $3,235 per year
  • The average commute length in South Bay is 26.4 minutes

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

Compare auto insurance in South Bay to other Florida cities, including Tallahassee auto insurance rates, Tampa auto insurance rates, and Hialeah auto insurance rates to see how South Bay, Florida auto insurance rates stack up.

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

Minimum Auto Insurance in South Bay, Florida

South Bay, 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 South Bay, Florida.

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

Auto insurance rates in South Bay, 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 South Bay, 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 $4,887 $4,709 $4,295 $4,383 $17,393 $19,005 $4,899 $4,986
GEICO $3,198 $3,208 $2,997 $2,997 $5,776 $7,266 $3,524 $3,573
Liberty Mutual $4,468 $4,468 $4,075 $4,075 $9,684 $15,038 $4,468 $6,140
Nationwide $3,644 $3,595 $3,251 $3,364 $8,722 $10,733 $4,010 $4,169
Progressive $4,354 $4,061 $3,696 $3,978 $12,154 $13,171 $5,213 $4,899
State Farm $2,580 $2,580 $2,334 $2,334 $6,838 $8,653 $2,858 $3,005
USAA $1,881 $1,845 $1,767 $1,746 $6,586 $7,614 $2,348 $2,529

Cheap South Bay, Florida Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in South Bay, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $17,393 $19,005
GEICO $5,776 $7,266
Liberty Mutual $9,684 $15,038
Nationwide $8,722 $10,733
Progressive $12,154 $13,171
State Farm $6,838 $8,653
USAA $6,586 $7,614

Cheap South Bay, Florida Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in South Bay, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,295 $4,383
GEICO $2,997 $2,997
Liberty Mutual $4,075 $4,075
Nationwide $3,251 $3,364
Progressive $3,696 $3,978
State Farm $2,334 $2,334
USAA $1,767 $1,746

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

Annual South Bay, Florida Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $6,928 $8,319 $9,309 $7,722
GEICO $2,816 $3,615 $5,409 $4,430
Liberty Mutual $4,631 $6,111 $9,020 $6,446
Nationwide $4,425 $4,859 $6,544 $4,916
Progressive $5,116 $7,494 $6,343 $6,811
State Farm $3,573 $4,222 $3,898 $3,898
USAA $2,561 $3,178 $4,731 $2,688

Cheap South Bay, Florida Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in South Bay, Florida

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $9,309
GEICO $5,409
Liberty Mutual $9,020
Nationwide $6,544
Progressive $6,343
State Farm $3,898
USAA $4,731

Cheap South Bay, Florida Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in South Bay, Florida

Insurance Company Poor Fair Good
Allstate $11,254 $7,151 $5,804
GEICO $5,954 $3,578 $2,670
Liberty Mutual $8,505 $6,182 $4,969
Nationwide $6,514 $4,756 $4,288
Progressive $8,401 $5,974 $4,947
State Farm $5,289 $3,507 $2,897
USAA $5,329 $2,628 $1,912

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Cheap South Bay, Florida Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in South Bay, Florida

ZIP Code Average Annual Rates
33493 $4,134

Cheap South Bay, Florida Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in South Bay, Florida

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $7,838 $8,301
GEICO $4,048 $4,087
Liberty Mutual $6,333 $6,771
Nationwide $5,186 $5,186
Progressive $6,441 $6,441
State Farm $3,757 $4,038
USAA $3,252 $3,327

Cheap South Bay, Florida Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in South Bay, Florida

Insurance Company Low Medium High
Allstate $6,101 $8,511 $9,597
GEICO $3,212 $4,228 $4,762
Liberty Mutual $6,003 $6,667 $6,987
Nationwide $3,944 $5,419 $6,196
Progressive $5,184 $6,615 $7,523
State Farm $3,332 $3,983 $4,377
USAA $2,768 $3,426 $3,675

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Best By Category: Cheapest Auto Insurance in South Bay, Florida

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

Best Annual Auto Insurance Rates by Company in South Bay, 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 South Bay, Florida Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in South Bay, Florida

Insurance Company Average Annual Rates
Allstate $8,070
GEICO $4,067
Liberty Mutual $6,552
Nationwide $5,186
Progressive $6,441
State Farm $3,898
USAA $3,290

What affects auto insurance rates in South Bay, Florida?

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

South Bay Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual South Bay, Florida auto theft statistics, there have been 13 auto thefts in the city.

South Bay Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average South Bay, Florida commute length is 26.4 minutes according to City-Data.

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Compare South Bay, Florida Auto Insurance Quotes

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