Compare Baker, FL Car Insurance Rates (2021)

Car insurance in Baker, FL averages $314 a month. Baker, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Baker car insurance rates, compare quotes from the top car insurance companies in Baker, FL.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Baker for teen drivers is USAA
  • Average car insurance rates in Baker, FL after a DUI are $4,491/year
  • The cheapest car insurance company in Baker is USAA

If you need to buy Baker, Florida car insurance, the options can be confusing. Everything you need to know about car insurance in Baker, FL is right here.

You’ll find Baker car insurance rates, the cheapest Baker, FL car insurance companies, and information on Florida car insurance laws. You can also compare Baker, Florida car insurance rates to Jacksonville car insurance rates, Orlando car insurance rates, and Cape Coral car insurance rates.

Ready to find affordable Baker, FL car insurance today? Enter your ZIP code for fast, free Baker car insurance quotes.

Cheapest Baker, FL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Baker, FL car insurance rates? Every Baker, Florida car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Baker, 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 $3,967 $3,760 $3,418 $3,458 $13,238 $14,184 $3,963 $4,011
GEICO $2,514 $2,526 $2,353 $2,353 $4,542 $5,757 $2,776 $2,830
Liberty Mutual $2,968 $2,968 $2,725 $2,725 $6,197 $9,506 $2,968 $3,993
Nationwide $2,342 $2,326 $2,092 $2,172 $5,550 $6,890 $2,579 $2,704
Progressive $2,894 $2,759 $2,506 $2,678 $8,013 $8,824 $3,501 $3,438
State Farm $1,624 $1,624 $1,472 $1,472 $4,615 $5,910 $1,791 $1,936
USAA $1,415 $1,397 $1,307 $1,307 $4,699 $5,497 $1,779 $1,932

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Minimum Car Insurance in Baker, FL

Every driver must carry the minimum car insurance in Baker, FL. Take a look at the Florida car insurance requirements.

Minimum Required Car Insurance Coverage in Baker, 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

Cheapest Baker, FL Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Baker, FL. Compare credit history car insurance rates in Baker from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Baker, Florida

Insurance Company Poor Fair Good
Allstate $8,725 $5,530 $4,495
GEICO $4,677 $2,825 $2,117
Liberty Mutual $5,464 $4,027 $3,278
Nationwide $4,156 $3,063 $2,777
Progressive $5,647 $3,997 $3,335
State Farm $3,449 $2,305 $1,913
USAA $3,963 $1,908 $1,379

Cheapest Baker, FL Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Baker, FL to rates for a clean record with top companies.

Annual Baker, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,410 $6,459 $7,143 $5,988
GEICO $2,233 $2,854 $4,249 $3,488
Liberty Mutual $3,151 $4,009 $5,670 $4,196
Nationwide $2,871 $3,129 $4,156 $3,171
Progressive $3,451 $5,030 $4,246 $4,579
State Farm $2,347 $2,764 $2,556 $2,556
USAA $1,913 $2,338 $3,414 $2,001

Cheapest Baker, FL Car Insurance for Teen Drivers

Teen car insurance in Baker, FL can be expensive. Take a look at rates from the top car insurance companies in Baker for teenagers.

Annual Car Insurance Rates for Teen Drivers in Baker, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,238 $14,184
GEICO $4,542 $5,757
Liberty Mutual $6,197 $9,506
Nationwide $5,550 $6,890
Progressive $8,013 $8,824
State Farm $4,615 $5,910
USAA $4,699 $5,497

Cheapest Baker, FL Car Insurance for Seniors

Take a look at Baker, FL senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Baker, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,418 $3,458
GEICO $2,353 $2,353
Liberty Mutual $2,725 $2,725
Nationwide $2,092 $2,172
Progressive $2,506 $2,678
State Farm $1,472 $1,472
USAA $1,307 $1,307

Cheapest Baker, FL Car Insurance Rates After a DUI

A DUI in Baker, FL increases car insurance rates. Compare Baker, Florida DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Baker, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,143
GEICO $4,249
Liberty Mutual $5,670
Nationwide $4,156
Progressive $4,246
State Farm $2,556
USAA $3,414

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Cheapest Baker, FL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Baker, FL by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Baker, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,070 $6,430
GEICO $3,190 $3,222
Liberty Mutual $4,121 $4,391
Nationwide $3,332 $3,332
Progressive $4,326 $4,326
State Farm $2,473 $2,638
USAA $2,389 $2,444

The Best Cheap Car Insurance Companies in Baker, FL

Take a look at a side-by-side comparison of the top car insurance companies in Baker, FL to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Baker, Florida

Insurance Company Average Annual Rates
Allstate $6,250
GEICO $3,206
Liberty Mutual $4,256
Nationwide $3,332
Progressive $4,326
State Farm $2,556
USAA $2,417

Category Winners: Cheapest Car Insurance in Baker, Florida

Find the cheapest car insurance companies in Baker, FL for each category right here.

Best Annual Car Insurance Rates by Company in Baker, Florida

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

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Cheapest Baker, FL Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Baker car insurance rates. Find the cheapest Baker, FL car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Baker, Florida

Insurance Company Low Medium High
Allstate $5,137 $6,502 $7,111
GEICO $2,726 $3,307 $3,586
Liberty Mutual $3,941 $4,315 $4,512
Nationwide $2,709 $3,451 $3,836
Progressive $3,788 $4,407 $4,785
State Farm $2,202 $2,610 $2,856
USAA $2,140 $2,488 $2,622

What affects car insurance rates in Baker, Florida?

What factors can have an impact on Baker, FL car insurance? There are several reasons why Baker car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Baker, Florida.

Commute Time in Baker

The more time you spend in your car the higher the risk of an accident. The average commute length in Baker, FL is 24.4 minutes according to City-Data.

Traffic in Baker

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Baker, FL traffic data from INRIX ranks Baker as the 208th-most congested in the world.

Compare Car Insurance Quotes in Baker, FL

Ready to find affordable Baker, Florida car insurance today? Enter your ZIP code for fast, free Baker, FL car insurance quotes.

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Average Monthly Car Insurance Rates by State