Affordable Car Insurance Rates in Longboat Key, FL (2024)
Car insurance rates in Longboat Key, FL are $348/month on average. By law, Florida drivers need to carry at least 10/20/10 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Longboat Key car insurance companies to get the coverage you need at the best rates available.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
UPDATED: Jan 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance 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 car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Jan 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance 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 cheapest car insurance company in Longboat Key after a DUI is State Farm
- Average car insurance rates in Longboat Key, FL are $348/month
- The cheapest car insurance company in Longboat Key for teen drivers is Geico
Average car insurance rates in Longboat Key, Florida are $348 a month. But with a little research you can get a great deal from the top car insurance companies in Longboat Key, FL. Before you buy Longboat Key, Florida car insurance, make sure your coverage meets or exceeds the Florida minimum of 10/20/10.
It may even be helpful to compare Longboat Key car insurance rates with Cape Coral car insurance rates, Fort Lauderdale car insurance rates, or St. Petersburg car insurance rates to make sure you’re getting the best Longboat Key, FL car insurance quotes available.
Need affordable Longboat Key, FL car insurance? Enter your ZIP code to compare Longboat Key car insurance quotes from multiple car insurance companies near you.
Longboat Key, FL Minimum Car Insurance Coverage
Longboat Key, Florida law requires drivers carry a minimum of 10/20/10 coverage. Take a look at the breakdown of the minimums here.
| 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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Longboat Key, FL Car Insurance Rates by Coverage Level
Some Longboat Key drivers can get by with the Florida minimum coverage of 10/20/10. Other drivers may need more. See how much your Longboat Key, Florida car insurance rates may be based on the coverage you need.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,167 | $6,634 | $7,285 |
| Geico | $2,931 | $3,697 | $4,087 |
| Liberty Mutual | $4,234 | $4,679 | $4,917 |
| Nationwide | $3,336 | $4,425 | $4,999 |
| Progressive | $4,083 | $4,917 | $5,432 |
| State Farm | $2,389 | $2,858 | $3,126 |
| USAA | $2,423 | $2,915 | $3,103 |
Longboat Key, FL Car Insurance Rates by Age, Gender, and Marital Status
Longboat Key, Florida car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Longboat Key, FL car insurance, get quotes from multiple car insurance companies in the Longboat Key area and see how these criteria affect your rates.
| 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 | $3,948 | $3,763 | $3,419 | $3,472 | $13,600 | $14,724 | $3,958 | $4,012 |
| Geico | $2,816 | $2,831 | $2,632 | $2,632 | $5,046 | $6,352 | $3,107 | $3,159 |
| Liberty Mutual | $3,211 | $3,211 | $2,948 | $2,948 | $6,713 | $10,307 | $3,211 | $4,332 |
| Nationwide | $2,966 | $2,928 | $2,644 | $2,736 | $7,197 | $8,877 | $3,271 | $3,407 |
| Progressive | $3,230 | $3,050 | $2,784 | $2,972 | $9,035 | $9,830 | $3,874 | $3,710 |
| State Farm | $1,741 | $1,741 | $1,583 | $1,583 | $5,128 | $6,537 | $1,934 | $2,078 |
| USAA | $1,620 | $1,591 | $1,515 | $1,501 | $5,588 | $6,492 | $2,022 | $2,181 |
Longboat Key, FL Car Insurance Rates for Teens
How much is Longboat Key, Florida car insurance for teens? Compare rates from top Longboat Key car insurance companies below to help find the cheapest teen car insurance in Longboat Key, FL.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $13,600 | $14,724 |
| Geico | $5,046 | $6,352 |
| Liberty Mutual | $6,713 | $10,307 |
| Nationwide | $7,197 | $8,877 |
| Progressive | $9,035 | $9,830 |
| State Farm | $5,128 | $6,537 |
| USAA | $5,588 | $6,492 |
Longboat Key, FL Car Insurance Rates for Seniors
Before seniors buy Longboat Key, Florida car insurance, they should make sure to shop around. Some Longboat Key, FL car insurance companies may offer discounts or other savings options for senior car insurance.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,419 | $3,472 |
| Geico | $2,632 | $2,632 |
| Liberty Mutual | $2,948 | $2,948 |
| Nationwide | $2,644 | $2,736 |
| Progressive | $2,784 | $2,972 |
| State Farm | $1,583 | $1,583 |
| USAA | $1,515 | $1,501 |
Longboat Key, FL Car Insurance Rates by Credit History
How does your credit history affect Longboat Key, FL car insurance rates? Review the numbers here to find out.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $8,852 | $5,639 | $4,595 |
| Geico | $5,204 | $3,148 | $2,364 |
| Liberty Mutual | $5,922 | $4,361 | $3,547 |
| Nationwide | $5,318 | $3,906 | $3,535 |
| Progressive | $6,276 | $4,447 | $3,709 |
| State Farm | $3,827 | $2,500 | $2,045 |
| USAA | $4,567 | $2,243 | $1,632 |
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Longboat Key, FL Car Insurance Rates by Driver History
How does a single speeding ticket affect your Longboat Key, Florida car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Longboat Key.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $5,487 | $6,564 | $7,304 | $6,093 |
| Geico | $2,488 | $3,180 | $4,734 | $3,886 |
| Liberty Mutual | $3,324 | $4,315 | $6,263 | $4,539 |
| Nationwide | $3,625 | $3,981 | $5,376 | $4,031 |
| Progressive | $3,805 | $5,613 | $4,728 | $5,097 |
| State Farm | $2,549 | $3,032 | $2,791 | $2,791 |
| USAA | $2,196 | $2,718 | $4,038 | $2,304 |
Longboat Key, FL Car Insurance Rates With a DUI
Even a single DUI can increase your Longboat Key, FL car insurance rates. Compare rates below to see which Longboat Key car insurance company has the best rates for drivers with a DUI.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $7,304 |
| Geico | $4,734 |
| Liberty Mutual | $6,263 |
| Nationwide | $5,376 |
| Progressive | $4,728 |
| State Farm | $2,791 |
| USAA | $4,038 |
Longboat Key, FL Car Insurance Rates by Commute
The more time you spend on your daily commute, the higher your Longboat Key, FL car insurance rates may be. Let’s take a look at average car insurance rates from top Longboat Key companies based on commute time.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $6,179 | $6,545 |
| Geico | $3,554 | $3,590 |
| Liberty Mutual | $4,463 | $4,757 |
| Nationwide | $4,253 | $4,253 |
| Progressive | $4,811 | $4,811 |
| State Farm | $2,696 | $2,885 |
| USAA | $2,782 | $2,846 |
Longboat Key, FL Cheapest Car Insurance Rates
How do the top Longboat Key, Florida car insurance companies’ average rates stack up against the Longboat Key average monthly car insurance rates of $348? Take a look and see.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
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Longboat Key, FL Top Car Insurance Companies
Car insurance is a competitive market. Here’s a look at the top Longboat Key, Florida car insurance companies to help you find one that best fits your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $6,362 |
| Geico | $3,572 |
| Liberty Mutual | $4,610 |
| Nationwide | $4,253 |
| Progressive | $4,811 |
| State Farm | $2,791 |
| USAA | $2,814 |
Other Factors Affecting Longboat Key, FL Car Insurance Rates
Before you buy Longboat Key, Florida car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.
Longboat Key, FL Commute Time
How does your Longboat Key, FL commute time compare with the average driver? In Longboat Key, the average commute is 28.4 minutes.
Longboat Key, FL Car Insurance Quotes
Compare Longboat Key, FL car insurance quotes from multiple companies by entering your ZIP code now.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.