Compare Lake Harbor, FL Car Insurance Rates (2021)

Car insurance in Lake Harbor, FL averages $436 a month. Lake Harbor, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Lake Harbor car insurance rates, compare quotes from the top car insurance companies in Lake Harbor, 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 Lake Harbor is USAA
  • The cheapest car insurance company in Lake Harbor for teen drivers is GEICO
  • Average car insurance rates in Lake Harbor, FL are $5,237/year

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

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

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

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

How do age, gender, and marital status affect Lake Harbor, FL car insurance rates? Every Lake Harbor, 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 Lake Harbor, 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 $5,361 $5,066 $4,652 $4,692 $18,080 $19,408 $5,229 $5,258
GEICO $3,198 $3,208 $2,997 $2,997 $5,776 $7,266 $3,524 $3,573
Liberty Mutual $4,755 $4,755 $4,343 $4,343 $10,217 $15,827 $4,755 $6,509
Nationwide $3,644 $3,595 $3,251 $3,364 $8,722 $10,733 $4,010 $4,169
Progressive $3,378 $3,195 $2,906 $3,108 $9,431 $10,294 $4,075 $3,909
State Farm $2,580 $2,580 $2,334 $2,334 $6,838 $8,653 $2,858 $3,005
USAA $1,752 $1,720 $1,646 $1,627 $6,142 $7,105 $2,189 $2,358

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Minimum Car Insurance in Lake Harbor, FL

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

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

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

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

Insurance Company Poor Fair Good
Allstate $11,917 $7,475 $6,013
GEICO $5,954 $3,578 $2,670
Liberty Mutual $8,984 $6,550 $5,279
Nationwide $6,514 $4,756 $4,288
Progressive $6,573 $4,659 $3,879
State Farm $5,289 $3,507 $2,897
USAA $4,966 $2,451 $1,785

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

Annual Lake Harbor, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $7,306 $8,781 $9,687 $8,100
GEICO $2,816 $3,615 $5,409 $4,430
Liberty Mutual $4,897 $6,467 $9,562 $6,824
Nationwide $4,425 $4,859 $6,544 $4,916
Progressive $3,995 $5,868 $4,954 $5,332
State Farm $3,573 $4,222 $3,898 $3,898
USAA $2,387 $2,963 $4,412 $2,506

Cheapest Lake Harbor, FL Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $18,080 $19,408
GEICO $5,776 $7,266
Liberty Mutual $10,217 $15,827
Nationwide $8,722 $10,733
Progressive $9,431 $10,294
State Farm $6,838 $8,653
USAA $6,142 $7,105

Cheapest Lake Harbor, FL Car Insurance for Seniors

Take a look at Lake Harbor, 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 Lake Harbor, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,652 $4,692
GEICO $2,997 $2,997
Liberty Mutual $4,343 $4,343
Nationwide $3,251 $3,364
Progressive $2,906 $3,108
State Farm $2,334 $2,334
USAA $1,646 $1,627

Cheapest Lake Harbor, FL Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $9,687
GEICO $5,409
Liberty Mutual $9,562
Nationwide $6,544
Progressive $4,954
State Farm $3,898
USAA $4,412

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Cheapest Lake Harbor, FL Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $8,227 $8,710
GEICO $4,048 $4,087
Liberty Mutual $6,708 $7,168
Nationwide $5,186 $5,186
Progressive $5,037 $5,037
State Farm $3,757 $4,038
USAA $3,033 $3,102

The Best Cheap Car Insurance Companies in Lake Harbor, FL

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

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

Insurance Company Average Annual Rates
Allstate $8,468
GEICO $4,067
Liberty Mutual $6,938
Nationwide $5,186
Progressive $5,037
State Farm $3,898
USAA $3,067

Category Winners: Cheapest Car Insurance in Lake Harbor, Florida

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

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

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

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

Insurance Company Low Medium High
Allstate $6,500 $8,910 $9,995
GEICO $3,212 $4,228 $4,762
Liberty Mutual $6,315 $7,062 $7,436
Nationwide $3,944 $5,419 $6,196
Progressive $4,234 $5,152 $5,725
State Farm $3,332 $3,983 $4,377
USAA $2,585 $3,194 $3,423

Compare Car Insurance Quotes in Lake Harbor, FL

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

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