Compare Lady Lake, FL Car Insurance Rates (2021)

Car insurance in Lady Lake, FL averages $309 a month. Lady Lake, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Lady Lake car insurance rates, compare quotes from the top car insurance companies in Lady Lake, FL.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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 Lady Lake, FL are $3,711/year
  • The cheapest car insurance company in Lady Lake is USAA
  • The cheapest car insurance company in Lady Lake for teen drivers is USAA

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

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

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

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

How do age, gender, and marital status affect Lady Lake, FL car insurance rates? Every Lady Lake, 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 Lady Lake, 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 $3,537 $3,429 $3,111 $3,182 $12,226 $13,397 $3,591 $3,670
GEICO $2,611 $2,621 $2,448 $2,448 $4,648 $5,813 $2,872 $2,908
Liberty Mutual $2,735 $2,735 $2,520 $2,520 $5,587 $8,515 $2,735 $3,647
Nationwide $2,215 $2,191 $1,986 $2,053 $5,206 $6,406 $2,432 $2,532
Progressive $3,419 $3,227 $2,932 $3,139 $9,473 $10,317 $4,110 $3,930
State Farm $1,581 $1,581 $1,435 $1,435 $4,538 $5,795 $1,749 $1,880
USAA $1,356 $1,333 $1,264 $1,254 $4,625 $5,382 $1,693 $1,828

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Minimum Car Insurance in Lady Lake, FL

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

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

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

Annual Car Insurance Rates by Credit Score in Lady Lake, Florida

Insurance Company Poor Fair Good
Allstate $8,042 $5,104 $4,158
GEICO $4,793 $2,908 $2,187
Liberty Mutual $4,943 $3,671 $3,008
Nationwide $3,896 $2,878 $2,609
Progressive $6,629 $4,684 $3,893
State Farm $3,393 $2,249 $1,856
USAA $3,809 $1,862 $1,354

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

Annual Lady Lake, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,984 $5,936 $6,621 $5,530
GEICO $2,301 $2,936 $4,363 $3,585
Liberty Mutual $2,839 $3,638 $5,203 $3,817
Nationwide $2,686 $2,936 $3,916 $2,972
Progressive $4,000 $5,919 $4,982 $5,373
State Farm $2,291 $2,708 $2,499 $2,499
USAA $1,834 $2,263 $3,348 $1,922

Cheapest Lady Lake, FL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Lady Lake, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,226 $13,397
GEICO $4,648 $5,813
Liberty Mutual $5,587 $8,515
Nationwide $5,206 $6,406
Progressive $9,473 $10,317
State Farm $4,538 $5,795
USAA $4,625 $5,382

Cheapest Lady Lake, FL Car Insurance for Seniors

Take a look at Lady Lake, 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 Lady Lake, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,111 $3,182
GEICO $2,448 $2,448
Liberty Mutual $2,520 $2,520
Nationwide $1,986 $2,053
Progressive $2,932 $3,139
State Farm $1,435 $1,435
USAA $1,264 $1,254

Cheapest Lady Lake, FL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Lady Lake, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,621
GEICO $4,363
Liberty Mutual $5,203
Nationwide $3,916
Progressive $4,982
State Farm $2,499
USAA $3,348

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Cheapest Lady Lake, FL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Lady Lake, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,602 $5,934
GEICO $3,280 $3,312
Liberty Mutual $3,754 $3,994
Nationwide $3,128 $3,128
Progressive $5,068 $5,068
State Farm $2,416 $2,582
USAA $2,315 $2,368

The Best Cheap Car Insurance Companies in Lady Lake, FL

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

Average Annual Car Insurance Rates by Company in Lady Lake, Florida

Insurance Company Average Annual Rates
Allstate $5,768
GEICO $3,296
Liberty Mutual $3,874
Nationwide $3,128
Progressive $5,068
State Farm $2,499
USAA $2,342

Category Winners: Cheapest Car Insurance in Lady Lake, Florida

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

Best Annual Car Insurance Rates by Company in Lady Lake, 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 Lady Lake, FL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Lady Lake, Florida

Insurance Company Low Medium High
Allstate $4,399 $6,076 $6,828
GEICO $2,706 $3,410 $3,772
Liberty Mutual $3,555 $3,927 $4,140
Nationwide $2,485 $3,249 $3,649
Progressive $4,344 $5,173 $5,689
State Farm $2,142 $2,557 $2,799
USAA $2,041 $2,420 $2,564

What affects car insurance rates in Lady Lake, Florida?

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

Car Theft in Lady Lake

High levels of vehicle theft can make car insurance more expensive. Lady Lake, FL car theft statistics from the FBI indicate 22 vehicle thefts a year.

Commute Time in Lady Lake

The more time you spend in your car the higher the risk of an accident. The average commute length in Lady Lake, FL is 22.1 minutes according to City-Data.

Compare Car Insurance Quotes in Lady Lake, FL

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

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