Compare Fernandina Beach, FL Car Insurance Rates (2021)

Car insurance in Fernandina Beach, FL averages $342 a month. Fernandina Beach, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Fernandina Beach car insurance rates, compare quotes from the top car insurance companies in Fernandina 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

  • The cheapest car insurance company in Fernandina Beach is USAA
  • Average car insurance rates in Fernandina Beach, FL are $4,109/year
  • Average car insurance rates in Fernandina Beach, FL after a DUI are $4,902/year

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

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

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

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

How do age, gender, and marital status affect Fernandina Beach, FL car insurance rates? Every Fernandina 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 Fernandina 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 $4,288 $4,087 $3,714 $3,767 $14,449 $15,591 $4,291 $4,351
GEICO $2,459 $2,471 $2,302 $2,302 $4,409 $5,562 $2,712 $2,760
Liberty Mutual $3,348 $3,348 $3,066 $3,066 $7,090 $10,927 $3,348 $4,543
Nationwide $2,537 $2,511 $2,267 $2,347 $6,089 $7,524 $2,794 $2,917
Progressive $3,461 $3,273 $2,980 $3,193 $9,799 $10,757 $4,187 $4,039
State Farm $1,719 $1,719 $1,546 $1,546 $4,900 $6,272 $1,898 $2,054
USAA $1,422 $1,403 $1,313 $1,313 $4,748 $5,572 $1,786 $1,941

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Minimum Car Insurance in Fernandina Beach, FL

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

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

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

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

Insurance Company Poor Fair Good
Allstate $9,530 $6,029 $4,894
GEICO $4,542 $2,754 $2,071
Liberty Mutual $6,242 $4,576 $3,707
Nationwide $4,527 $3,329 $3,014
Progressive $6,778 $4,826 $4,029
State Farm $3,653 $2,441 $2,026
USAA $3,976 $1,931 $1,404

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

Annual Fernandina Beach, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,898 $7,041 $7,799 $6,532
GEICO $2,181 $2,782 $4,131 $3,395
Liberty Mutual $3,505 $4,538 $6,556 $4,768
Nationwide $3,106 $3,397 $4,549 $3,442
Progressive $4,119 $6,085 $5,120 $5,521
State Farm $2,486 $2,927 $2,707 $2,707
USAA $1,924 $2,356 $3,455 $2,013

Cheapest Fernandina Beach, FL Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $14,449 $15,591
GEICO $4,409 $5,562
Liberty Mutual $7,090 $10,927
Nationwide $6,089 $7,524
Progressive $9,799 $10,757
State Farm $4,900 $6,272
USAA $4,748 $5,572

Cheapest Fernandina Beach, FL Car Insurance for Seniors

Take a look at Fernandina 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 Fernandina Beach, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,714 $3,767
GEICO $2,302 $2,302
Liberty Mutual $3,066 $3,066
Nationwide $2,267 $2,347
Progressive $2,980 $3,193
State Farm $1,546 $1,546
USAA $1,313 $1,313

Cheapest Fernandina Beach, FL Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,799
GEICO $4,131
Liberty Mutual $6,556
Nationwide $4,549
Progressive $5,120
State Farm $2,707
USAA $3,455

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Cheapest Fernandina Beach, FL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Fernandina 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 Fernandina Beach, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,619 $7,016
GEICO $3,107 $3,138
Liberty Mutual $4,685 $4,999
Nationwide $3,623 $3,623
Progressive $5,211 $5,211
State Farm $2,617 $2,797
USAA $2,410 $2,465

The Best Cheap Car Insurance Companies in Fernandina Beach, FL

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

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

Insurance Company Average Annual Rates
Allstate $6,817
GEICO $3,122
Liberty Mutual $4,842
Nationwide $3,623
Progressive $5,211
State Farm $2,707
USAA $2,437

Category Winners: Cheapest Car Insurance in Fernandina Beach, Florida

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

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

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

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

Insurance Company Low Medium High
Allstate $5,448 $7,126 $7,878
GEICO $2,575 $3,229 $3,563
Liberty Mutual $4,451 $4,919 $5,156
Nationwide $2,920 $3,756 $4,193
Progressive $4,375 $5,330 $5,929
State Farm $2,367 $2,761 $2,992
USAA $2,145 $2,513 $2,653

What affects car insurance rates in Fernandina Beach, Florida?

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

Car Theft in Fernandina Beach

High levels of vehicle theft can make car insurance more expensive. Fernandina Beach, FL car theft statistics from the FBI indicate 21 vehicle thefts a year.

Commute Time in Fernandina Beach

The more time you spend in your car the higher the risk of an accident. The average commute length in Fernandina Beach, FL is 24.2 minutes according to City-Data.

Compare Car Insurance Quotes in Fernandina Beach, FL

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

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Average Monthly Car Insurance Rates by State