Compare Big Pine Key, FL Car Insurance Rates (2021)

Car insurance in Big Pine Key, FL averages $377 a month. Big Pine Key, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Big Pine Key car insurance rates, compare quotes from the top car insurance companies in Big Pine Key, 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 Big Pine Key is USAA
  • The cheapest car insurance company in Big Pine Key for teen drivers is USAA
  • Average car insurance rates in Big Pine Key, FL are $4,527/year

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

You’ll find Big Pine Key car insurance rates, the cheapest Big Pine Key, FL car insurance companies, and information on Florida car insurance laws. You can also compare Big Pine Key, Florida car insurance rates to Orlando car insurance rates, Hialeah car insurance rates, and Miami car insurance rates.

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

Cheapest Big Pine Key, FL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Big Pine Key, FL car insurance rates? Every Big Pine Key, 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 Big Pine Key, 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 $4,284 $4,114 $3,735 $3,815 $15,698 $17,137 $4,303 $4,382
GEICO $3,037 $3,062 $2,838 $2,838 $5,433 $6,950 $3,359 $3,456
Liberty Mutual $3,534 $3,534 $3,237 $3,237 $7,485 $11,536 $3,534 $4,793
Nationwide $2,917 $2,901 $2,593 $2,698 $7,060 $8,811 $3,227 $3,395
Progressive $3,360 $3,194 $2,905 $3,112 $9,696 $10,727 $4,089 $4,010
State Farm $2,290 $2,290 $2,067 $2,067 $6,728 $8,581 $2,545 $2,737
USAA $1,460 $1,439 $1,352 $1,351 $4,941 $5,792 $1,835 $1,994

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Minimum Car Insurance in Big Pine Key, FL

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

Minimum Required Car Insurance Coverage in Big Pine Key, 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 Big Pine Key, FL Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Big Pine Key, Florida

Insurance Company Poor Fair Good
Allstate $9,967 $6,378 $5,205
GEICO $5,586 $3,427 $2,602
Liberty Mutual $6,590 $4,830 $3,913
Nationwide $5,247 $3,857 $3,497
Progressive $6,654 $4,761 $3,995
State Farm $5,012 $3,285 $2,693
USAA $4,083 $2,009 $1,470

Cheapest Big Pine Key, 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 Big Pine Key, FL to rates for a clean record with top companies.

Annual Big Pine Key, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $6,141 $7,408 $8,318 $6,867
GEICO $2,740 $3,463 $5,084 $4,199
Liberty Mutual $3,711 $4,793 $6,906 $5,034
Nationwide $3,606 $3,938 $5,265 $3,992
Progressive $4,039 $6,019 $5,036 $5,452
State Farm $3,349 $3,978 $3,663 $3,663
USAA $1,985 $2,435 $3,585 $2,078

Cheapest Big Pine Key, FL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Big Pine Key, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $15,698 $17,137
GEICO $5,433 $6,950
Liberty Mutual $7,485 $11,536
Nationwide $7,060 $8,811
Progressive $9,696 $10,727
State Farm $6,728 $8,581
USAA $4,941 $5,792

Cheapest Big Pine Key, FL Car Insurance for Seniors

Take a look at Big Pine Key, 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 Big Pine Key, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,735 $3,815
GEICO $2,838 $2,838
Liberty Mutual $3,237 $3,237
Nationwide $2,593 $2,698
Progressive $2,905 $3,112
State Farm $2,067 $2,067
USAA $1,352 $1,351

Cheapest Big Pine Key, FL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Big Pine Key, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $8,318
GEICO $5,084
Liberty Mutual $6,906
Nationwide $5,265
Progressive $5,036
State Farm $3,663
USAA $3,585

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Cheapest Big Pine Key, FL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Big Pine Key, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,983 $7,384
GEICO $3,851 $3,892
Liberty Mutual $4,946 $5,277
Nationwide $4,200 $4,200
Progressive $5,137 $5,137
State Farm $3,537 $3,790
USAA $2,492 $2,549

The Best Cheap Car Insurance Companies in Big Pine Key, FL

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

Average Annual Car Insurance Rates by Company in Big Pine Key, Florida

Insurance Company Average Annual Rates
Allstate $7,184
GEICO $3,872
Liberty Mutual $5,111
Nationwide $4,200
Progressive $5,137
State Farm $3,663
USAA $2,521

Category Winners: Cheapest Car Insurance in Big Pine Key, Florida

Find the cheapest car insurance companies in Big Pine Key, FL for each category right here.

Best Annual Car Insurance Rates by Company in Big Pine Key, Florida

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

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Cheapest Big Pine Key, FL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Big Pine Key, Florida

Insurance Company Low Medium High
Allstate $5,615 $7,545 $8,390
GEICO $3,115 $4,016 $4,483
Liberty Mutual $4,722 $5,187 $5,424
Nationwide $3,326 $4,364 $4,910
Progressive $4,430 $5,240 $5,740
State Farm $3,159 $3,747 $4,083
USAA $2,169 $2,613 $2,780

What affects car insurance rates in Big Pine Key, Florida?

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

Commute Time in Big Pine Key

The more time you spend in your car the higher the risk of an accident. The average commute length in Big Pine Key, FL is 24.8 minutes according to City-Data.

Compare Car Insurance Quotes in Big Pine Key, FL

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

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Average Monthly Car Insurance Rates by State