Compare Lake Sarasota, FL Car Insurance Rates (2021)

Car insurance in Lake Sarasota, FL averages $334 a month. Lake Sarasota, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Lake Sarasota car insurance rates, compare quotes from the top car insurance companies in Lake Sarasota, 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 Sarasota for teen drivers is State Farm
  • Average car insurance rates in Lake Sarasota, FL after a DUI are $4,831/year
  • The cheapest car insurance company in Lake Sarasota is State Farm

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

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

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

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

How do age, gender, and marital status affect Lake Sarasota, FL car insurance rates? Every Lake Sarasota, 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 Sarasota, 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 $3,783 $3,616 $3,281 $3,336 $12,970 $14,012 $3,806 $3,870
GEICO $2,741 $2,750 $2,566 $2,566 $4,943 $6,205 $3,022 $3,060
Liberty Mutual $3,211 $3,211 $2,948 $2,948 $6,713 $10,307 $3,211 $4,332
Nationwide $2,559 $2,531 $2,286 $2,366 $6,169 $7,619 $2,820 $2,942
Progressive $3,215 $3,034 $2,773 $2,959 $9,010 $9,801 $3,853 $3,687
State Farm $1,673 $1,673 $1,519 $1,519 $4,841 $6,149 $1,855 $1,988
USAA $1,581 $1,551 $1,480 $1,463 $5,498 $6,382 $1,971 $2,123

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Minimum Car Insurance in Lake Sarasota, FL

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

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

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

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

Insurance Company Poor Fair Good
Allstate $8,476 $5,388 $4,389
GEICO $5,099 $3,062 $2,284
Liberty Mutual $5,922 $4,361 $3,547
Nationwide $4,572 $3,365 $3,048
Progressive $6,249 $4,430 $3,696
State Farm $3,621 $2,380 $1,955
USAA $4,472 $2,197 $1,598

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

Annual Lake Sarasota, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,252 $6,278 $6,980 $5,828
GEICO $2,407 $3,093 $4,634 $3,793
Liberty Mutual $3,324 $4,315 $6,263 $4,539
Nationwide $3,133 $3,430 $4,607 $3,476
Progressive $3,785 $5,593 $4,709 $5,077
State Farm $2,426 $2,878 $2,652 $2,652
USAA $2,143 $2,661 $3,969 $2,251

Cheapest Lake Sarasota, FL Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,970 $14,012
GEICO $4,943 $6,205
Liberty Mutual $6,713 $10,307
Nationwide $6,169 $7,619
Progressive $9,010 $9,801
State Farm $4,841 $6,149
USAA $5,498 $6,382

Cheapest Lake Sarasota, FL Car Insurance for Seniors

Take a look at Lake Sarasota, 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 Sarasota, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,281 $3,336
GEICO $2,566 $2,566
Liberty Mutual $2,948 $2,948
Nationwide $2,286 $2,366
Progressive $2,773 $2,959
State Farm $1,519 $1,519
USAA $1,480 $1,463

Cheapest Lake Sarasota, FL Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,980
GEICO $4,634
Liberty Mutual $6,263
Nationwide $4,607
Progressive $4,709
State Farm $2,652
USAA $3,969

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Cheapest Lake Sarasota, FL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Lake Sarasota, 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 Sarasota, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,911 $6,258
GEICO $3,465 $3,499
Liberty Mutual $4,463 $4,757
Nationwide $3,662 $3,662
Progressive $4,791 $4,791
State Farm $2,562 $2,742
USAA $2,725 $2,787

The Best Cheap Car Insurance Companies in Lake Sarasota, FL

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

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

Insurance Company Average Annual Rates
Allstate $6,084
GEICO $3,482
Liberty Mutual $4,610
Nationwide $3,662
Progressive $4,791
State Farm $2,652
USAA $2,756

Category Winners: Cheapest Car Insurance in Lake Sarasota, Florida

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

Best Annual Car Insurance Rates by Company in Lake Sarasota, Florida

Category Insurance Company
Teenagers State Farm
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 Sarasota, FL Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $4,885 $6,357 $7,011
GEICO $2,847 $3,605 $3,993
Liberty Mutual $4,234 $4,679 $4,917
Nationwide $2,936 $3,798 $4,250
Progressive $4,063 $4,898 $5,413
State Farm $2,282 $2,713 $2,962
USAA $2,383 $2,853 $3,032

What affects car insurance rates in Lake Sarasota, Florida?

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

Commute Time in Lake Sarasota

The more time you spend in your car the higher the risk of an accident. The average commute length in Lake Sarasota, FL is 26.1 minutes according to City-Data.

Compare Car Insurance Quotes in Lake Sarasota, FL

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

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Average Monthly Car Insurance Rates by State