Compare Cottondale, FL Car Insurance Rates (2021)

Car insurance in Cottondale, FL averages $312 a month. Cottondale, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Cottondale car insurance rates, compare quotes from the top car insurance companies in Cottondale, FL.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • The cheapest car insurance company in Cottondale for teen drivers is GEICO
  • The cheapest car insurance company in Cottondale is USAA
  • Average car insurance rates in Cottondale, FL after a DUI are $4,476/year

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

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

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

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

How do age, gender, and marital status affect Cottondale, FL car insurance rates? Every Cottondale, 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 Cottondale, 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 $3,676 $3,548 $3,198 $3,271 $12,757 $13,874 $3,778 $3,870
GEICO $2,416 $2,438 $2,251 $2,251 $4,262 $5,413 $2,670 $2,743
Liberty Mutual $2,974 $2,974 $2,731 $2,731 $6,208 $9,523 $2,974 $4,005
Nationwide $2,392 $2,380 $2,131 $2,218 $5,680 $7,082 $2,637 $2,774
Progressive $2,787 $2,658 $2,405 $2,576 $7,462 $8,207 $3,362 $3,298
State Farm $1,719 $1,719 $1,546 $1,546 $4,900 $6,272 $1,898 $2,054
USAA $1,557 $1,540 $1,426 $1,433 $5,125 $6,036 $1,963 $2,141

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Minimum Car Insurance in Cottondale, FL

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

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

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

Annual Car Insurance Rates by Credit Score in Cottondale, Florida

Insurance Company Poor Fair Good
Allstate $8,309 $5,321 $4,360
GEICO $4,388 $2,710 $2,069
Liberty Mutual $5,476 $4,035 $3,285
Nationwide $4,263 $3,133 $2,839
Progressive $5,379 $3,774 $3,129
State Farm $3,653 $2,441 $2,026
USAA $4,377 $2,083 $1,498

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

Annual Cottondale, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,177 $6,164 $6,896 $5,750
GEICO $2,172 $2,736 $4,002 $3,312
Liberty Mutual $3,121 $4,006 $5,732 $4,202
Nationwide $2,946 $3,205 $4,246 $3,249
Progressive $3,286 $4,743 $4,020 $4,329
State Farm $2,486 $2,927 $2,707 $2,707
USAA $2,109 $2,566 $3,732 $2,203

Cheapest Cottondale, FL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Cottondale, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,757 $13,874
GEICO $4,262 $5,413
Liberty Mutual $6,208 $9,523
Nationwide $5,680 $7,082
Progressive $7,462 $8,207
State Farm $4,900 $6,272
USAA $5,125 $6,036

Cheapest Cottondale, FL Car Insurance for Seniors

Take a look at Cottondale, 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 Cottondale, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,198 $3,271
GEICO $2,251 $2,251
Liberty Mutual $2,731 $2,731
Nationwide $2,131 $2,218
Progressive $2,405 $2,576
State Farm $1,546 $1,546
USAA $1,426 $1,433

Cheapest Cottondale, FL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Cottondale, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,896
GEICO $4,002
Liberty Mutual $5,732
Nationwide $4,246
Progressive $4,020
State Farm $2,707
USAA $3,732

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Cottondale, FL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Cottondale, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,822 $6,171
GEICO $3,040 $3,072
Liberty Mutual $4,130 $4,401
Nationwide $3,412 $3,412
Progressive $4,094 $4,094
State Farm $2,617 $2,797
USAA $2,622 $2,683

The Best Cheap Car Insurance Companies in Cottondale, FL

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

Average Annual Car Insurance Rates by Company in Cottondale, Florida

Insurance Company Average Annual Rates
Allstate $5,997
GEICO $3,056
Liberty Mutual $4,265
Nationwide $3,412
Progressive $4,094
State Farm $2,707
USAA $2,653

Category Winners: Cheapest Car Insurance in Cottondale, Florida

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

Best Annual Car Insurance Rates by Company in Cottondale, 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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Cottondale, FL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Cottondale, Florida

Insurance Company Low Medium High
Allstate $4,884 $6,248 $6,858
GEICO $2,636 $3,139 $3,392
Liberty Mutual $3,951 $4,324 $4,520
Nationwide $2,778 $3,532 $3,926
Progressive $3,637 $4,162 $4,484
State Farm $2,367 $2,761 $2,992
USAA $2,363 $2,728 $2,868

What affects car insurance rates in Cottondale, Florida?

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

Commute Time in Cottondale

The more time you spend in your car the higher the risk of an accident. The average commute length in Cottondale, FL is 26.2 minutes according to City-Data.

Compare Car Insurance Quotes in Cottondale, FL

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Average Monthly Car Insurance Rates by State