Compare Cocoa Beach, FL Car Insurance Rates (2021)

Car insurance in Cocoa Beach, FL averages $328 a month. Cocoa Beach, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Cocoa Beach car insurance rates, compare quotes from the top car insurance companies in Cocoa Beach, 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 Cocoa Beach, FL are $3,931/year
  • The cheapest car insurance company in Cocoa Beach is USAA
  • Average car insurance rates in Cocoa Beach, FL after a DUI are $4,702/year

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

You’ll find Cocoa Beach car insurance rates, the cheapest Cocoa Beach, FL car insurance companies, and information on Florida car insurance laws. You can also compare Cocoa Beach, Florida car insurance rates to St. Petersburg car insurance rates, Fort Lauderdale car insurance rates, and Tallahassee car insurance rates.

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

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

How do age, gender, and marital status affect Cocoa Beach, FL car insurance rates? Every Cocoa Beach, 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 Cocoa Beach, 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 $3,917 $3,784 $3,435 $3,509 $13,809 $15,126 $3,956 $4,036
GEICO $2,651 $2,664 $2,485 $2,485 $4,746 $5,988 $2,922 $2,973
Liberty Mutual $3,079 $3,079 $2,829 $2,829 $6,404 $9,815 $3,079 $4,142
Nationwide $2,441 $2,413 $2,187 $2,261 $5,773 $7,101 $2,683 $2,792
Progressive $3,350 $3,157 $2,882 $3,082 $9,364 $10,198 $4,019 $3,838
State Farm $1,635 $1,635 $1,491 $1,491 $4,567 $5,898 $1,814 $1,937
USAA $1,334 $1,310 $1,251 $1,238 $4,535 $5,257 $1,657 $1,783

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Minimum Car Insurance in Cocoa Beach, FL

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

Minimum Required Car Insurance Coverage in Cocoa Beach, 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 Cocoa Beach, FL Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Cocoa Beach, Florida

Insurance Company Poor Fair Good
Allstate $8,982 $5,708 $4,649
GEICO $4,889 $2,969 $2,235
Liberty Mutual $5,651 $4,171 $3,399
Nationwide $4,308 $3,180 $2,881
Progressive $6,504 $4,612 $3,842
State Farm $3,498 $2,295 $1,883
USAA $3,714 $1,834 $1,339

Cheapest Cocoa Beach, 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 Cocoa Beach, FL to rates for a clean record with top companies.

Annual Cocoa Beach, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,551 $6,642 $7,419 $6,174
GEICO $2,354 $2,999 $4,447 $3,657
Liberty Mutual $3,196 $4,130 $5,961 $4,340
Nationwide $2,961 $3,242 $4,341 $3,281
Progressive $3,948 $5,814 $4,903 $5,280
State Farm $2,340 $2,778 $2,559 $2,559
USAA $1,797 $2,219 $3,283 $1,884

Cheapest Cocoa Beach, FL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Cocoa Beach, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,809 $15,126
GEICO $4,746 $5,988
Liberty Mutual $6,404 $9,815
Nationwide $5,773 $7,101
Progressive $9,364 $10,198
State Farm $4,567 $5,898
USAA $4,535 $5,257

Cheapest Cocoa Beach, FL Car Insurance for Seniors

Take a look at Cocoa Beach, 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 Cocoa Beach, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,435 $3,509
GEICO $2,485 $2,485
Liberty Mutual $2,829 $2,829
Nationwide $2,187 $2,261
Progressive $2,882 $3,082
State Farm $1,491 $1,491
USAA $1,251 $1,238

Cheapest Cocoa Beach, FL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Cocoa Beach, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,419
GEICO $4,447
Liberty Mutual $5,961
Nationwide $4,341
Progressive $4,903
State Farm $2,559
USAA $3,283

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Cheapest Cocoa Beach, FL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Cocoa Beach, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,262 $6,631
GEICO $3,348 $3,381
Liberty Mutual $4,268 $4,546
Nationwide $3,456 $3,456
Progressive $4,986 $4,986
State Farm $2,472 $2,646
USAA $2,270 $2,322

The Best Cheap Car Insurance Companies in Cocoa Beach, FL

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

Average Annual Car Insurance Rates by Company in Cocoa Beach, Florida

Insurance Company Average Annual Rates
Allstate $6,447
GEICO $3,364
Liberty Mutual $4,407
Nationwide $3,456
Progressive $4,986
State Farm $2,559
USAA $2,296

Category Winners: Cheapest Car Insurance in Cocoa Beach, Florida

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

Best Annual Car Insurance Rates by Company in Cocoa Beach, 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 Cocoa Beach, FL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Cocoa Beach, Florida

Insurance Company Low Medium High
Allstate $4,934 $6,790 $7,616
GEICO $2,714 $3,489 $3,890
Liberty Mutual $4,030 $4,474 $4,717
Nationwide $2,690 $3,601 $4,078
Progressive $4,170 $5,103 $5,686
State Farm $2,160 $2,625 $2,891
USAA $1,970 $2,380 $2,537

What affects car insurance rates in Cocoa Beach, Florida?

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

Car Theft in Cocoa Beach

High levels of vehicle theft can make car insurance more expensive. Cocoa Beach, FL car theft statistics from the FBI indicate 28 vehicle thefts a year.

Commute Time in Cocoa Beach

The more time you spend in your car the higher the risk of an accident. The average commute length in Cocoa Beach, FL is 28.2 minutes according to City-Data.

Compare Car Insurance Quotes in Cocoa Beach, FL

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

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Average Monthly Car Insurance Rates by State