Compare Longboat Key, FL Car Insurance Rates (2021)

Car insurance in Longboat Key, FL averages $348 a month. Longboat Key, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Longboat Key car insurance rates, compare quotes from the top car insurance companies in Longboat Key, 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 Longboat Key is State Farm
  • Average car insurance rates in Longboat Key, FL after a DUI are $5,033/year
  • Average car insurance rates in Longboat Key, FL are $4,173/year

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

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

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

Cheapest Longboat Key, FL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Longboat Key, FL car insurance rates? Every Longboat Key, 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 Longboat Key, 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 $3,948 $3,763 $3,419 $3,472 $13,600 $14,724 $3,958 $4,012
GEICO $2,816 $2,831 $2,632 $2,632 $5,046 $6,352 $3,107 $3,159
Liberty Mutual $3,211 $3,211 $2,948 $2,948 $6,713 $10,307 $3,211 $4,332
Nationwide $2,966 $2,928 $2,644 $2,736 $7,197 $8,877 $3,271 $3,407
Progressive $3,230 $3,050 $2,784 $2,972 $9,035 $9,830 $3,874 $3,710
State Farm $1,741 $1,741 $1,583 $1,583 $5,128 $6,537 $1,934 $2,078
USAA $1,620 $1,591 $1,515 $1,501 $5,588 $6,492 $2,022 $2,181

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Minimum Car Insurance in Longboat Key, FL

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

Minimum Required Car Insurance Coverage in Longboat Key, 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 Longboat Key, FL Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Longboat Key, Florida

Insurance Company Poor Fair Good
Allstate $8,852 $5,639 $4,595
GEICO $5,204 $3,148 $2,364
Liberty Mutual $5,922 $4,361 $3,547
Nationwide $5,318 $3,906 $3,535
Progressive $6,276 $4,447 $3,709
State Farm $3,827 $2,500 $2,045
USAA $4,567 $2,243 $1,632

Cheapest Longboat Key, 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 Longboat Key, FL to rates for a clean record with top companies.

Annual Longboat Key, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,487 $6,564 $7,304 $6,093
GEICO $2,488 $3,180 $4,734 $3,886
Liberty Mutual $3,324 $4,315 $6,263 $4,539
Nationwide $3,625 $3,981 $5,376 $4,031
Progressive $3,805 $5,613 $4,728 $5,097
State Farm $2,549 $3,032 $2,791 $2,791
USAA $2,196 $2,718 $4,038 $2,304

Cheapest Longboat Key, FL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Longboat Key, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,600 $14,724
GEICO $5,046 $6,352
Liberty Mutual $6,713 $10,307
Nationwide $7,197 $8,877
Progressive $9,035 $9,830
State Farm $5,128 $6,537
USAA $5,588 $6,492

Cheapest Longboat Key, FL Car Insurance for Seniors

Take a look at Longboat Key, 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 Longboat Key, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,419 $3,472
GEICO $2,632 $2,632
Liberty Mutual $2,948 $2,948
Nationwide $2,644 $2,736
Progressive $2,784 $2,972
State Farm $1,583 $1,583
USAA $1,515 $1,501

Cheapest Longboat Key, FL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Longboat Key, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,304
GEICO $4,734
Liberty Mutual $6,263
Nationwide $5,376
Progressive $4,728
State Farm $2,791
USAA $4,038

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Cheapest Longboat Key, FL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Longboat Key, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,179 $6,545
GEICO $3,554 $3,590
Liberty Mutual $4,463 $4,757
Nationwide $4,253 $4,253
Progressive $4,811 $4,811
State Farm $2,696 $2,885
USAA $2,782 $2,846

The Best Cheap Car Insurance Companies in Longboat Key, FL

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

Average Annual Car Insurance Rates by Company in Longboat Key, Florida

Insurance Company Average Annual Rates
Allstate $6,362
GEICO $3,572
Liberty Mutual $4,610
Nationwide $4,253
Progressive $4,811
State Farm $2,791
USAA $2,814

Category Winners: Cheapest Car Insurance in Longboat Key, Florida

Find the cheapest car insurance companies in Longboat Key, FL for each category right here.

Best Annual Car Insurance Rates by Company in Longboat Key, 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 Longboat Key, FL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Longboat Key, Florida

Insurance Company Low Medium High
Allstate $5,167 $6,634 $7,285
GEICO $2,931 $3,697 $4,087
Liberty Mutual $4,234 $4,679 $4,917
Nationwide $3,336 $4,425 $4,999
Progressive $4,083 $4,917 $5,432
State Farm $2,389 $2,858 $3,126
USAA $2,423 $2,915 $3,103

What affects car insurance rates in Longboat Key, Florida?

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

Car Theft in Longboat Key

High levels of vehicle theft can make car insurance more expensive. Longboat Key, FL car theft statistics from the FBI indicate 1 vehicle thefts a year.

Commute Time in Longboat Key

The more time you spend in your car the higher the risk of an accident. The average commute length in Longboat Key, FL is 28.4 minutes according to City-Data.

Compare Car Insurance Quotes in Longboat Key, FL

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

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Average Monthly Car Insurance Rates by State