Compare Harbour Heights, FL Car Insurance Rates (2021)

Car insurance in Harbour Heights, FL averages $320 a month. Harbour Heights, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Harbour Heights car insurance rates, compare quotes from the top car insurance companies in Harbour Heights, 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 Harbour Heights, FL are $3,844/year
  • The cheapest car insurance company in Harbour Heights for teen drivers is USAA
  • The cheapest car insurance company in Harbour Heights is USAA

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

You’ll find Harbour Heights car insurance rates, the cheapest Harbour Heights, FL car insurance companies, and information on Florida car insurance laws. You can also compare Harbour Heights, Florida car insurance rates to Port St. Lucie car insurance rates, Miami car insurance rates, and St. Petersburg car insurance rates.

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

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

How do age, gender, and marital status affect Harbour Heights, FL car insurance rates? Every Harbour Heights, 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 Harbour Heights, 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 $3,705 $3,536 $3,217 $3,267 $12,715 $13,744 $3,708 $3,761
GEICO $2,498 $2,508 $2,338 $2,338 $4,485 $5,645 $2,753 $2,797
Liberty Mutual $3,065 $3,065 $2,816 $2,816 $6,369 $9,760 $3,065 $4,122
Nationwide $2,494 $2,463 $2,229 $2,306 $5,944 $7,318 $2,742 $2,853
Progressive $3,329 $3,144 $2,869 $3,066 $9,347 $10,196 $4,005 $3,832
State Farm $1,673 $1,673 $1,519 $1,519 $4,841 $6,149 $1,855 $1,988
USAA $1,294 $1,273 $1,210 $1,200 $4,394 $5,097 $1,613 $1,740

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Minimum Car Insurance in Harbour Heights, FL

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

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

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

Annual Car Insurance Rates by Credit Score in Harbour Heights, Florida

Insurance Company Poor Fair Good
Allstate $8,302 $5,275 $4,293
GEICO $4,623 $2,793 $2,094
Liberty Mutual $5,623 $4,150 $3,382
Nationwide $4,429 $3,256 $2,946
Progressive $6,484 $4,600 $3,837
State Farm $3,621 $2,380 $1,955
USAA $3,617 $1,775 $1,292

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

Annual Harbour Heights, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,139 $6,149 $6,835 $5,704
GEICO $2,206 $2,822 $4,204 $3,450
Liberty Mutual $3,177 $4,108 $5,936 $4,318
Nationwide $3,033 $3,323 $4,455 $3,363
Progressive $3,931 $5,805 $4,890 $5,268
State Farm $2,426 $2,878 $2,652 $2,652
USAA $1,748 $2,154 $3,178 $1,832

Cheapest Harbour Heights, FL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Harbour Heights, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,715 $13,744
GEICO $4,485 $5,645
Liberty Mutual $6,369 $9,760
Nationwide $5,944 $7,318
Progressive $9,347 $10,196
State Farm $4,841 $6,149
USAA $4,394 $5,097

Cheapest Harbour Heights, FL Car Insurance for Seniors

Take a look at Harbour Heights, 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 Harbour Heights, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,217 $3,267
GEICO $2,338 $2,338
Liberty Mutual $2,816 $2,816
Nationwide $2,229 $2,306
Progressive $2,869 $3,066
State Farm $1,519 $1,519
USAA $1,210 $1,200

Cheapest Harbour Heights, FL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Harbour Heights, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,835
GEICO $4,204
Liberty Mutual $5,936
Nationwide $4,455
Progressive $4,890
State Farm $2,652
USAA $3,178

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Cheapest Harbour Heights, FL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Harbour Heights, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,788 $6,125
GEICO $3,155 $3,186
Liberty Mutual $4,246 $4,524
Nationwide $3,544 $3,544
Progressive $4,974 $4,974
State Farm $2,562 $2,742
USAA $2,203 $2,253

The Best Cheap Car Insurance Companies in Harbour Heights, FL

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

Average Annual Car Insurance Rates by Company in Harbour Heights, Florida

Insurance Company Average Annual Rates
Allstate $5,957
GEICO $3,170
Liberty Mutual $4,385
Nationwide $3,544
Progressive $4,973
State Farm $2,652
USAA $2,228

Category Winners: Cheapest Car Insurance in Harbour Heights, Florida

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

Best Annual Car Insurance Rates by Company in Harbour Heights, 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 Harbour Heights, FL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Harbour Heights, Florida

Insurance Company Low Medium High
Allstate $4,757 $6,230 $6,884
GEICO $2,609 $3,281 $3,621
Liberty Mutual $4,030 $4,448 $4,677
Nationwide $2,824 $3,679 $4,128
Progressive $4,171 $5,088 $5,661
State Farm $2,282 $2,713 $2,962
USAA $1,925 $2,306 $2,452

What affects car insurance rates in Harbour Heights, Florida?

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

Commute Time in Harbour Heights

The more time you spend in your car the higher the risk of an accident. The average commute length in Harbour Heights, FL is 26.6 minutes according to City-Data.

Compare Car Insurance Quotes in Harbour Heights, FL

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

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Average Monthly Car Insurance Rates by State