Best Wesley Chapel, FL Car Insurance in 2025
Car insurance in Wesley Chapel, FL averages $434 a month. Wesley Chapel, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Wesley Chapel car insurance rates, compare quotes from the top car insurance companies in Wesley Chapel, FL.
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Table of Contents
Table of Contents
Feature Writer
Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Healing Law, WIBW Kansas, and Cinncinati.com. He has been a...
Chris Tepedino
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Brad Larson
Updated October 2024
- The cheapest car insurance company in Wesley Chapel is USAA
- The cheapest ZIP code in Wesley Chapel is 33545
- The cheapest car insurance company in Wesley Chapel for teen drivers is Geico
If you need to buy Wesley Chapel, Florida car insurance, the options can be confusing. Everything you need to know about car insurance in Wesley Chapel, FL is right here.
You’ll find Wesley Chapel car insurance rates, the cheapest Wesley Chapel, FL car insurance companies, and information on Florida car insurance laws. You can also compare Wesley Chapel, Florida car insurance rates to Port St. Lucie car insurance rates, Hialeah car insurance rates, and Cape Coral car insurance rates.
Ready to find affordable Wesley Chapel, FL car insurance today? Enter your ZIP code for fast, free Wesley Chapel car insurance quotes.
Cheapest Wesley Chapel, FL Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Wesley Chapel, FL car insurance rates? Every Wesley Chapel, Florida car insurance company weighs these factors differently, so check out the comparison 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 | $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 |
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Minimum Car Insurance in Wesley Chapel, FL
Every driver must carry the minimum car insurance required by the state in Wesley Chapel, FL. Take a look at the Florida car insurance requirements.
| 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 |
Cheapest Wesley Chapel, FL Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Wesley Chapel, FL. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Wesley Chapel from top companies for good, fair, and poor credit.
| 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 |
Cheapest Wesley Chapel, FL Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Wesley Chapel, FL to rates for a clean record with top companies.
| 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 |
Cheapest Wesley Chapel, FL Car Insurance for Teen Drivers
Teen car insurance in Wesley Chapel, FL can be expensive. Take a look at rates from the top car insurance companies in Wesley Chapel for teenagers.
| 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 |
Cheapest Wesley Chapel, FL Car Insurance for Seniors
Take a look at Wesley Chapel, FL rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| 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 |
Cheapest Wesley Chapel, FL Car Insurance Rates After a DUI
A DUI in Wesley Chapel, FL increases car insurance rates. Compare Wesley Chapel, Florida car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car 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 |
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Cheapest Wesley Chapel, FL Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Wesley Chapel, FL by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 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 |
Cheapest Wesley Chapel, FL Car Insurance Rates by ZIP Code
Wesley Chapel car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Wesley Chapel, FL.
| ZIP Code | Average Annual Rates |
|---|---|
| 33543 | $4,053 |
| 33544 | $3,984 |
| 33545 | $3,946 |
The Best Cheap Car Insurance Companies in Wesley Chapel, FL
Take a look at a side-by-side comparison of the top car insurance companies in Wesley Chapel, FL to find the best option for your needs.
| 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 |
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Category Winners: Cheapest Car Insurance in Wesley Chapel, Florida
Find the cheapest car insurance companies in Wesley Chapel, FL for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
Cheapest Wesley Chapel, FL Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Wesley Chapel car insurance rates. Find the cheapest Wesley Chapel, FL car insurance rates by coverage level.
| 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 |
What affects car insurance rates in Wesley Chapel, Florida?
What are the factors that affect car insurance rates in Wesley Chapel, FL? There are several reasons why Wesley Chapel car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Wesley Chapel, Florida.
Commute Time in Wesley Chapel
The more time you spend in your car the higher the risk of an accident. The average commute length in Wesley Chapel, FL is 33.1 minutes according to City-Data.
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Compare Car Insurance Quotes in Wesley Chapel, FL
Ready to find affordable Wesley Chapel, Florida car insurance today? Enter your ZIP code for fast, free Wesley Chapel, FL car insurance quotes.
Frequently Asked Questions
How can I compare car insurance quotes in Wesley Chapel, FL?
Comparing car insurance quotes in Wesley Chapel, FL: Use online comparison tools or contact insurance agents to obtain personalized quotes based on your information and needs. Consider consulting with a licensed professional for guidance.
Which car insurance company is the cheapest in Wesley Chapel, FL?
Cheapest car insurance company in Wesley Chapel, FL: According to the provided information, USAA is listed as the cheapest car insurance company. However, rates can vary, so it’s best to compare quotes from different companies.
Are there discounts available for car insurance in Wesley Chapel, FL?
Discounts for car insurance in Wesley Chapel, FL: Many insurers offer discounts for safe driving, good students, multi-policies, and certain vehicle safety features.
What factors affect car insurance rates in Wesley Chapel, FL?
Factors affecting car insurance rates in Wesley Chapel, FL: Rates are influenced by age, gender, marital status, credit score, driving record, coverage level, commute length, and ZIP code.
How can I find cheap car insurance rates in Wesley Chapel, FL?
Finding cheap car insurance rates in Wesley Chapel, FL: Compare quotes from multiple insurance companies to find the most affordable option for your needs.
Do I need full coverage insurance if my car is financed?
Full coverage insurance for financed cars: If your car is financed, it’s likely you’ll need full coverage insurance, which includes liability, comprehensive, and collision coverage.
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