Best Cheap Auto Insurance in Wesley Chapel, FL (2021)

The average Wesley Chapel, FL auto insurance rates are $434 per month. The minimum auto insurance in Wesley Chapel is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Wesley Chapel, 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 Wesley Chapel, FL for senior drivers are $3,130 per year
  • The cheapest auto insurance company in Wesley Chapel is USAA
  • The minimum auto insurance required in Wesley Chapel, Florida is 10/20/10

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

Compare auto insurance in Wesley Chapel to other Florida cities, including Miami auto insurance rates, St. Petersburg auto insurance rates, and Port St. Lucie auto insurance rates to see how Wesley Chapel, Florida auto insurance rates stack up.

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

Minimum Auto Insurance in Wesley Chapel, Florida

Wesley Chapel, 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 Wesley Chapel, Florida.

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

Auto insurance rates in Wesley Chapel, 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 Wesley Chapel, 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 $5,243 $5,032 $4,597 $4,678 $18,520 $20,253 $5,200 $5,271
GEICO $3,280 $3,296 $3,068 $3,068 $5,769 $7,181 $3,606 $3,652
Liberty Mutual $4,150 $4,150 $3,790 $3,790 $8,929 $13,837 $4,150 $5,682
Nationwide $3,388 $3,344 $3,020 $3,125 $8,239 $10,157 $3,737 $3,891
Progressive $3,963 $3,718 $3,386 $3,631 $11,187 $12,154 $4,762 $4,509
State Farm $2,390 $2,390 $2,165 $2,165 $7,070 $9,050 $2,666 $2,847
USAA $1,786 $1,756 $1,677 $1,660 $6,160 $7,111 $2,231 $2,404

Cheap Wesley Chapel, Florida Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Wesley Chapel, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $18,520 $20,253
GEICO $5,769 $7,181
Liberty Mutual $8,929 $13,837
Nationwide $8,239 $10,157
Progressive $11,187 $12,154
State Farm $7,070 $9,050
USAA $6,160 $7,111

Cheap Wesley Chapel, Florida Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Wesley Chapel, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,597 $4,678
GEICO $3,068 $3,068
Liberty Mutual $3,790 $3,790
Nationwide $3,020 $3,125
Progressive $3,386 $3,631
State Farm $2,165 $2,165
USAA $1,677 $1,660

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

Annual Wesley Chapel, Florida Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $7,391 $8,883 $9,897 $8,226
GEICO $2,887 $3,671 $5,431 $4,471
Liberty Mutual $4,282 $5,650 $8,346 $5,961
Nationwide $4,139 $4,550 $6,155 $4,606
Progressive $4,664 $6,908 $5,818 $6,266
State Farm $3,509 $4,177 $3,843 $3,843
USAA $2,425 $2,997 $4,428 $2,543

Cheap Wesley Chapel, Florida Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Wesley Chapel, Florida

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $9,897
GEICO $5,431
Liberty Mutual $8,346
Nationwide $6,155
Progressive $5,818
State Farm $3,843
USAA $4,428

Cheap Wesley Chapel, Florida Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Wesley Chapel, Florida

Insurance Company Poor Fair Good
Allstate $12,040 $7,606 $6,152
GEICO $5,956 $3,637 $2,752
Liberty Mutual $7,849 $5,721 $4,609
Nationwide $6,089 $4,464 $4,035
Progressive $7,703 $5,480 $4,558
State Farm $5,273 $3,442 $2,814
USAA $5,038 $2,467 $1,789

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Cheap Wesley Chapel, Florida Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Wesley Chapel, Florida

ZIP Code Average Annual Rates
33543 $4,053
33544 $3,984
33545 $3,946

Cheap Wesley Chapel, Florida Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Wesley Chapel, Florida

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $8,351 $8,847
GEICO $4,095 $4,135
Liberty Mutual $5,859 $6,261
Nationwide $4,863 $4,863
Progressive $5,914 $5,914
State Farm $3,708 $3,978
USAA $3,063 $3,134

Cheap Wesley Chapel, Florida Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Wesley Chapel, Florida

Insurance Company Low Medium High
Allstate $6,410 $9,093 $10,294
GEICO $3,306 $4,264 $4,774
Liberty Mutual $5,521 $6,169 $6,489
Nationwide $3,747 $5,071 $5,770
Progressive $4,882 $6,060 $6,799
State Farm $3,239 $3,948 $4,343
USAA $2,621 $3,223 $3,451

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Best By Category: Cheapest Auto Insurance in Wesley Chapel, Florida

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

Best Annual Auto Insurance Rates by Company in Wesley Chapel, 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 Wesley Chapel, Florida Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Wesley Chapel, Florida

Insurance Company Average Annual Rates
Allstate $8,599
GEICO $4,115
Liberty Mutual $6,060
Nationwide $4,863
Progressive $5,914
State Farm $3,843
USAA $3,098

What affects auto insurance rates in Wesley Chapel, Florida?

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

Wesley Chapel Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Wesley Chapel, Florida commute length is 33.1 minutes according to City-Data.

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Compare Wesley Chapel, Florida Auto Insurance Quotes

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