Compare Live Oak, FL Car Insurance Rates (2021)

Car insurance in Live Oak, FL averages $310 a month. Live Oak, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Live Oak car insurance rates, compare quotes from the top car insurance companies in Live Oak, 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 Live Oak, FL are $3,723/year
  • Average car insurance rates in Live Oak, FL after a DUI are $4,433/year
  • The cheapest ZIP code in Live Oak is 32060

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

You’ll find Live Oak car insurance rates, the cheapest Live Oak, FL car insurance companies, and information on Florida car insurance laws. You can also compare Live Oak, Florida car insurance rates to Orlando car insurance rates, Port St. Lucie car insurance rates, and Cape Coral car insurance rates.

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

Cheapest Live Oak, FL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Live Oak, FL car insurance rates? Every Live Oak, 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 Live Oak, 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 $3,603 $3,445 $3,120 $3,167 $11,907 $12,801 $3,637 $3,704
GEICO $2,427 $2,446 $2,269 $2,269 $4,263 $5,392 $2,675 $2,740
Liberty Mutual $3,042 $3,042 $2,792 $2,792 $6,366 $9,775 $3,042 $4,103
Nationwide $2,302 $2,284 $2,057 $2,134 $5,480 $6,791 $2,533 $2,652
Progressive $3,093 $2,943 $2,665 $2,858 $8,493 $9,366 $3,749 $3,660
State Farm $1,719 $1,719 $1,546 $1,546 $4,900 $6,272 $1,898 $2,054
USAA $1,387 $1,368 $1,282 $1,281 $4,617 $5,403 $1,740 $1,889

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Minimum Car Insurance in Live Oak, FL

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

Minimum Required Car Insurance Coverage in Live Oak, 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 Live Oak, FL Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Live Oak, Florida

Insurance Company Poor Fair Good
Allstate $7,932 $5,011 $4,075
GEICO $4,388 $2,716 $2,076
Liberty Mutual $5,614 $4,133 $3,361
Nationwide $4,095 $3,013 $2,729
Progressive $6,021 $4,252 $3,536
State Farm $3,653 $2,441 $2,026
USAA $3,880 $1,875 $1,358

Cheapest Live Oak, 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 Live Oak, FL to rates for a clean record with top companies.

Annual Live Oak, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,925 $5,856 $6,471 $5,440
GEICO $2,180 $2,742 $4,004 $3,315
Liberty Mutual $3,189 $4,102 $5,883 $4,304
Nationwide $2,824 $3,078 $4,094 $3,120
Progressive $3,663 $5,356 $4,520 $4,873
State Farm $2,486 $2,927 $2,707 $2,707
USAA $1,875 $2,293 $3,354 $1,961

Cheapest Live Oak, FL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Live Oak, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,907 $12,801
GEICO $4,263 $5,392
Liberty Mutual $6,366 $9,775
Nationwide $5,480 $6,791
Progressive $8,493 $9,366
State Farm $4,900 $6,272
USAA $4,617 $5,403

Cheapest Live Oak, FL Car Insurance for Seniors

Take a look at Live Oak, 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 Live Oak, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,120 $3,167
GEICO $2,269 $2,269
Liberty Mutual $2,792 $2,792
Nationwide $2,057 $2,134
Progressive $2,665 $2,858
State Farm $1,546 $1,546
USAA $1,282 $1,281

Cheapest Live Oak, FL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Live Oak, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,471
GEICO $4,004
Liberty Mutual $5,883
Nationwide $4,094
Progressive $4,520
State Farm $2,707
USAA $3,354

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Cheapest Live Oak, FL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Live Oak, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,509 $5,836
GEICO $3,045 $3,076
Liberty Mutual $4,230 $4,509
Nationwide $3,279 $3,279
Progressive $4,603 $4,603
State Farm $2,617 $2,797
USAA $2,344 $2,398

Cheapest Live Oak, FL Car Insurance Rates by ZIP Code

Live Oak car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Live Oak, FL.

Annual Car Insurance Rates by ZIP Code in Live Oak, Florida

ZIP Code Average Annual Rates
32060 $2,875
32064 $2,875

The Best Cheap Car Insurance Companies in Live Oak, FL

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

Average Annual Car Insurance Rates by Company in Live Oak, Florida

Insurance Company Average Annual Rates
Allstate $5,673
GEICO $3,060
Liberty Mutual $4,369
Nationwide $3,279
Progressive $4,603
State Farm $2,707
USAA $2,371

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Category Winners: Cheapest Car Insurance in Live Oak, Florida

Find the cheapest car insurance companies in Live Oak, FL for each category right here.

Best Annual Car Insurance Rates by Company in Live Oak, 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 Live Oak, FL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Live Oak, Florida

Insurance Company Low Medium High
Allstate $4,560 $5,924 $6,534
GEICO $2,568 $3,153 $3,460
Liberty Mutual $4,047 $4,431 $4,630
Nationwide $2,669 $3,395 $3,774
Progressive $4,000 $4,689 $5,120
State Farm $2,367 $2,761 $2,992
USAA $2,083 $2,445 $2,584

What affects car insurance rates in Live Oak, Florida?

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

Car Theft in Live Oak

High levels of vehicle theft can make car insurance more expensive. Live Oak, FL car theft statistics from the FBI indicate 6 vehicle thefts a year.

Commute Time in Live Oak

The more time you spend in your car the higher the risk of an accident. The average commute length in Live Oak, FL is 21.5 minutes according to City-Data.

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Compare Car Insurance Quotes in Live Oak, FL

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

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Average Monthly Car Insurance Rates by State