Compare Cedar Key, FL Car Insurance Rates (2021)

Car insurance in Cedar Key, FL averages $306 a month. Cedar Key, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Cedar Key car insurance rates, compare quotes from the top car insurance companies in Cedar 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

  • Average car insurance rates in Cedar Key, FL after a DUI are $4,391/year
  • The cheapest car insurance company in Cedar Key is USAA
  • The cheapest car insurance company in Cedar Key for teen drivers is GEICO

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

You’ll find Cedar Key car insurance rates, the cheapest Cedar Key, FL car insurance companies, and information on Florida car insurance laws. You can also compare Cedar Key, Florida car insurance rates to Port St. Lucie car insurance rates, Orlando car insurance rates, and Jacksonville car insurance rates.

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

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

How do age, gender, and marital status affect Cedar Key, FL car insurance rates? Every Cedar 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 Cedar 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 $3,551 $3,390 $3,079 $3,123 $11,824 $12,710 $3,567 $3,625
GEICO $2,413 $2,426 $2,260 $2,260 $4,283 $5,399 $2,657 $2,707
Liberty Mutual $3,059 $3,059 $2,811 $2,811 $6,359 $9,743 $3,059 $4,112
Nationwide $2,302 $2,284 $2,057 $2,134 $5,480 $6,791 $2,533 $2,652
Progressive $3,058 $2,912 $2,642 $2,828 $8,427 $9,288 $3,711 $3,613
State Farm $1,581 $1,581 $1,435 $1,435 $4,538 $5,795 $1,749 $1,880
USAA $1,387 $1,368 $1,282 $1,281 $4,617 $5,403 $1,740 $1,889

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Minimum Car Insurance in Cedar Key, FL

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

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

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

Annual Car Insurance Rates by Credit Score in Cedar Key, Florida

Insurance Company Poor Fair Good
Allstate $7,838 $4,958 $4,030
GEICO $4,411 $2,698 $2,043
Liberty Mutual $5,612 $4,142 $3,376
Nationwide $4,095 $3,013 $2,729
Progressive $5,961 $4,212 $3,506
State Farm $3,393 $2,249 $1,856
USAA $3,880 $1,875 $1,358

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

Annual Cedar Key, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,861 $5,792 $6,407 $5,376
GEICO $2,149 $2,725 $4,017 $3,312
Liberty Mutual $3,199 $4,109 $5,887 $4,312
Nationwide $2,824 $3,078 $4,094 $3,120
Progressive $3,633 $5,302 $4,481 $4,824
State Farm $2,291 $2,708 $2,499 $2,499
USAA $1,875 $2,293 $3,354 $1,961

Cheapest Cedar Key, FL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Cedar Key, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,824 $12,710
GEICO $4,283 $5,399
Liberty Mutual $6,359 $9,743
Nationwide $5,480 $6,791
Progressive $8,427 $9,288
State Farm $4,538 $5,795
USAA $4,617 $5,403

Cheapest Cedar Key, FL Car Insurance for Seniors

Take a look at Cedar 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 Cedar Key, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,079 $3,123
GEICO $2,260 $2,260
Liberty Mutual $2,811 $2,811
Nationwide $2,057 $2,134
Progressive $2,642 $2,828
State Farm $1,435 $1,435
USAA $1,282 $1,281

Cheapest Cedar Key, FL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Cedar Key, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,407
GEICO $4,017
Liberty Mutual $5,887
Nationwide $4,094
Progressive $4,481
State Farm $2,499
USAA $3,354

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Cheapest Cedar Key, FL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Cedar 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 Cedar Key, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,449 $5,768
GEICO $3,036 $3,066
Liberty Mutual $4,238 $4,515
Nationwide $3,279 $3,279
Progressive $4,560 $4,560
State Farm $2,416 $2,582
USAA $2,344 $2,398

The Best Cheap Car Insurance Companies in Cedar Key, FL

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

Average Annual Car Insurance Rates by Company in Cedar Key, Florida

Insurance Company Average Annual Rates
Allstate $5,609
GEICO $3,051
Liberty Mutual $4,377
Nationwide $3,279
Progressive $4,560
State Farm $2,499
USAA $2,371

Category Winners: Cheapest Car Insurance in Cedar Key, Florida

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

Best Annual Car Insurance Rates by Company in Cedar Key, 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

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Cheapest Cedar Key, FL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Cedar Key, Florida

Insurance Company Low Medium High
Allstate $4,496 $5,860 $6,470
GEICO $2,541 $3,150 $3,460
Liberty Mutual $4,034 $4,437 $4,658
Nationwide $2,669 $3,395 $3,774
Progressive $3,899 $4,653 $5,128
State Farm $2,142 $2,557 $2,799
USAA $2,083 $2,445 $2,584

What affects car insurance rates in Cedar Key, Florida?

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

Commute Time in Cedar Key

The more time you spend in your car the higher the risk of an accident. The average commute length in Cedar Key, FL is 13.9 minutes according to City-Data.

Compare Car Insurance Quotes in Cedar Key, FL

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

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Average Monthly Car Insurance Rates by State