Compare Land O’ Lakes, FL Car Insurance Rates (2021)

Car insurance in Land O' Lakes, FL averages $451 a month. Land O' Lakes, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Land O' Lakes car insurance rates, compare quotes from the top car insurance companies in Land O' Lakes, 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 Land O’ Lakes for teen drivers is GEICO
  • The cheapest car insurance company in Land O’ Lakes is USAA
  • The cheapest ZIP code in Land O’ Lakes is 34638

If you need to buy Land O’ Lakes, Florida car insurance, the options can be confusing. Everything you need to know about car insurance in Land O’ Lakes, FL is right here.

You’ll find Land O’ Lakes car insurance rates, the cheapest Land O’ Lakes, FL car insurance companies, and information on Florida car insurance laws. You can also compare Land O’ Lakes, Florida car insurance rates to Fort Lauderdale car insurance rates, Cape Coral car insurance rates, and Tallahassee car insurance rates.

Ready to find affordable Land O’ Lakes, FL car insurance today? Enter your ZIP code for fast, free Land O’ Lakes car insurance quotes.

Cheapest Land O’ Lakes, FL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Land O’ Lakes, FL car insurance rates? Every Land O’ Lakes, 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 Land O’ Lakes, 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 $5,577 $5,277 $4,843 $4,885 $18,880 $20,341 $5,426 $5,454
GEICO $3,367 $3,381 $3,150 $3,150 $5,948 $7,403 $3,701 $3,744
Liberty Mutual $4,386 $4,386 $4,007 $4,007 $9,418 $14,585 $4,386 $5,998
Nationwide $3,668 $3,616 $3,268 $3,380 $8,956 $11,028 $4,046 $4,207
Progressive $4,037 $3,787 $3,454 $3,702 $11,510 $12,516 $4,857 $4,600
State Farm $2,389 $2,389 $2,165 $2,165 $7,093 $9,083 $2,665 $2,848
USAA $1,886 $1,851 $1,775 $1,753 $6,544 $7,543 $2,351 $2,530

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Minimum Car Insurance in Land O’ Lakes, FL

Every driver must carry the minimum car insurance in Land O’ Lakes, FL. Take a look at the Florida car insurance requirements.

Minimum Required Car Insurance Coverage in Land O’ Lakes, 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 Land O’ Lakes, FL Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Land O’ Lakes, FL. Compare credit history car insurance rates in Land O’ Lakes from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Land O’ Lakes, Florida

Insurance Company Poor Fair Good
Allstate $12,457 $7,791 $6,259
GEICO $6,142 $3,734 $2,815
Liberty Mutual $8,280 $6,040 $4,869
Nationwide $6,612 $4,836 $4,366
Progressive $7,874 $5,618 $4,682
State Farm $5,287 $3,446 $2,815
USAA $5,329 $2,613 $1,894

Cheapest Land O’ Lakes, 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 Land O’ Lakes, FL to rates for a clean record with top companies.

Annual Land O’ Lakes, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $7,623 $9,167 $10,102 $8,449
GEICO $2,956 $3,770 $5,596 $4,600
Liberty Mutual $4,533 $5,968 $8,792 $6,293
Nationwide $4,480 $4,930 $6,684 $4,991
Progressive $4,776 $7,079 $5,959 $6,418
State Farm $3,514 $4,185 $3,850 $3,850
USAA $2,560 $3,171 $4,699 $2,686

Cheapest Land O’ Lakes, FL Car Insurance for Teen Drivers

Teen car insurance in Land O’ Lakes, FL can be expensive. Take a look at rates from the top car insurance companies in Land O’ Lakes for teenagers.

Annual Car Insurance Rates for Teen Drivers in Land O’ Lakes, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $18,880 $20,341
GEICO $5,948 $7,403
Liberty Mutual $9,418 $14,585
Nationwide $8,956 $11,028
Progressive $11,510 $12,516
State Farm $7,093 $9,083
USAA $6,544 $7,543

Cheapest Land O’ Lakes, FL Car Insurance for Seniors

Take a look at Land O’ Lakes, 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 Land O’ Lakes, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,843 $4,885
GEICO $3,150 $3,150
Liberty Mutual $4,007 $4,007
Nationwide $3,268 $3,380
Progressive $3,454 $3,702
State Farm $2,165 $2,165
USAA $1,775 $1,753

Cheapest Land O’ Lakes, FL Car Insurance Rates After a DUI

A DUI in Land O’ Lakes, FL increases car insurance rates. Compare Land O’ Lakes, Florida DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Land O’ Lakes, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $10,102
GEICO $5,596
Liberty Mutual $8,792
Nationwide $6,684
Progressive $5,959
State Farm $3,850
USAA $4,699

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Cheapest Land O’ Lakes, FL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Land O’ Lakes, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $8,582 $9,089
GEICO $4,210 $4,251
Liberty Mutual $6,185 $6,608
Nationwide $5,271 $5,271
Progressive $6,058 $6,058
State Farm $3,715 $3,985
USAA $3,241 $3,316

Cheapest Land O’ Lakes, FL Car Insurance Rates by ZIP Code

Land O’ Lakes car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Land O’ Lakes, FL.

Annual Car Insurance Rates by ZIP Code in Land O’ Lakes, Florida

ZIP Code Average Annual Rates
34638 $4,039
34639 $4,072

The Best Cheap Car Insurance Companies in Land O’ Lakes, FL

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

Average Annual Car Insurance Rates by Company in Land O’ Lakes, Florida

Insurance Company Average Annual Rates
Allstate $8,836
GEICO $4,230
Liberty Mutual $6,396
Nationwide $5,271
Progressive $6,058
State Farm $3,850
USAA $3,279

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Category Winners: Cheapest Car Insurance in Land O’ Lakes, Florida

Find the cheapest car insurance companies in Land O’ Lakes, FL for each category right here.

Best Annual Car Insurance Rates by Company in Land O’ Lakes, 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

Cheapest Land O’ Lakes, FL Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Land O’ Lakes car insurance rates. Find the cheapest Land O’ Lakes, FL car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Land O’ Lakes, Florida

Insurance Company Low Medium High
Allstate $6,666 $9,325 $10,516
GEICO $3,417 $4,382 $4,892
Liberty Mutual $5,813 $6,513 $6,864
Nationwide $4,078 $5,495 $6,241
Progressive $4,949 $6,215 $7,010
State Farm $3,243 $3,955 $4,351
USAA $2,766 $3,412 $3,658

What affects car insurance rates in Land O’ Lakes, Florida?

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

Commute Time in Land O’ Lakes

The more time you spend in your car the higher the risk of an accident. The average commute length in Land O’ Lakes, FL is 33.9 minutes according to City-Data.

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Compare Car Insurance Quotes in Land O’ Lakes, FL

Ready to find affordable Land O’ Lakes, Florida car insurance today? Enter your ZIP code for fast, free Land O’ Lakes, FL car insurance quotes.

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Average Monthly Car Insurance Rates by State