Compare Lutz, FL Car Insurance Rates (2021)

Car insurance in Lutz, FL averages $450 a month. Lutz, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Lutz car insurance rates, compare quotes from the top car insurance companies in Lutz, 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 Lutz is USAA
  • Average car insurance rates in Lutz, FL after a DUI are $6,497/year
  • Average car insurance rates in Lutz, FL are $5,405/year

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

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

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

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

How do age, gender, and marital status affect Lutz, FL car insurance rates? Every Lutz, 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 Lutz, 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 $5,549 $5,283 $4,837 $4,903 $19,397 $21,121 $5,463 $5,508
GEICO $3,453 $3,466 $3,232 $3,232 $6,128 $7,624 $3,796 $3,835
Liberty Mutual $3,914 $3,914 $3,589 $3,589 $8,239 $12,678 $3,914 $5,299
Nationwide $3,948 $3,889 $3,517 $3,636 $9,673 $11,899 $4,356 $4,524
Progressive $4,046 $3,797 $3,462 $3,711 $11,551 $12,567 $4,871 $4,618
State Farm $2,388 $2,388 $2,165 $2,165 $7,115 $9,117 $2,663 $2,849
USAA $1,851 $1,815 $1,747 $1,722 $6,467 $7,447 $2,303 $2,474

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Minimum Car Insurance in Lutz, FL

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

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

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

Annual Car Insurance Rates by Credit Score in Lutz, Florida

Insurance Company Poor Fair Good
Allstate $12,611 $7,970 $6,442
GEICO $6,327 $3,832 $2,879
Liberty Mutual $7,264 $5,334 $4,329
Nationwide $7,134 $5,208 $4,698
Progressive $7,897 $5,638 $4,699
State Farm $5,301 $3,451 $2,817
USAA $5,224 $2,582 $1,878

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

Annual Lutz, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $7,747 $9,314 $10,354 $8,616
GEICO $3,025 $3,868 $5,762 $4,729
Liberty Mutual $4,059 $5,279 $7,677 $5,554
Nationwide $4,821 $5,310 $7,214 $5,375
Progressive $4,792 $7,102 $5,979 $6,438
State Farm $3,519 $4,193 $3,856 $3,856
USAA $2,513 $3,120 $4,641 $2,638

Cheapest Lutz, FL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Lutz, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $19,397 $21,121
GEICO $6,128 $7,624
Liberty Mutual $8,239 $12,678
Nationwide $9,673 $11,899
Progressive $11,551 $12,567
State Farm $7,115 $9,117
USAA $6,467 $7,447

Cheapest Lutz, FL Car Insurance for Seniors

Take a look at Lutz, 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 Lutz, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,837 $4,903
GEICO $3,232 $3,232
Liberty Mutual $3,589 $3,589
Nationwide $3,517 $3,636
Progressive $3,462 $3,711
State Farm $2,165 $2,165
USAA $1,747 $1,722

Cheapest Lutz, FL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Lutz, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $10,354
GEICO $5,762
Liberty Mutual $7,677
Nationwide $7,214
Progressive $5,979
State Farm $3,856
USAA $4,641

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Cheapest Lutz, FL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Lutz, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $8,746 $9,269
GEICO $4,325 $4,367
Liberty Mutual $5,460 $5,824
Nationwide $5,680 $5,680
Progressive $6,078 $6,078
State Farm $3,721 $3,991
USAA $3,191 $3,265

Cheapest Lutz, FL Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Lutz, Florida

ZIP Code Average Annual Rates
33548 $4,174
33549 $4,303
33559 $4,254

The Best Cheap Car Insurance Companies in Lutz, FL

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

Average Annual Car Insurance Rates by Company in Lutz, Florida

Insurance Company Average Annual Rates
Allstate $9,008
GEICO $4,346
Liberty Mutual $5,642
Nationwide $5,680
Progressive $6,078
State Farm $3,856
USAA $3,228

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Category Winners: Cheapest Car Insurance in Lutz, Florida

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

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

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

Annual Car Insurance Rates by Coverage Level in Lutz, Florida

Insurance Company Low Medium High
Allstate $6,895 $9,484 $10,645
GEICO $3,528 $4,499 $5,011
Liberty Mutual $5,191 $5,728 $6,008
Nationwide $4,409 $5,918 $6,713
Progressive $4,961 $6,236 $7,036
State Farm $3,248 $3,962 $4,359
USAA $2,697 $3,367 $3,621

What affects car insurance rates in Lutz, Florida?

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

Commute Time in Lutz

The more time you spend in your car the higher the risk of an accident. The average commute length in Lutz, FL is 32.2 minutes according to City-Data.

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Compare Car Insurance Quotes in Lutz, FL

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Average Monthly Car Insurance Rates by State