Compare Neptune Beach, FL Car Insurance Rates (2021)

Car insurance in Neptune Beach, FL averages $358 a month. Neptune Beach, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Neptune Beach car insurance rates, compare quotes from the top car insurance companies in Neptune Beach, 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 Neptune Beach, FL are $4,296/year
  • The cheapest car insurance company in Neptune Beach for teen drivers is USAA
  • Average car insurance rates in Neptune Beach, FL after a DUI are $5,146/year

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

You’ll find Neptune Beach car insurance rates, the cheapest Neptune Beach, FL car insurance companies, and information on Florida car insurance laws. You can also compare Neptune Beach, Florida car insurance rates to Orlando car insurance rates, Tampa car insurance rates, and Hialeah car insurance rates.

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

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

How do age, gender, and marital status affect Neptune Beach, FL car insurance rates? Every Neptune Beach, 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 Neptune Beach, 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 $4,175 $4,038 $3,657 $3,746 $15,087 $16,560 $4,248 $4,341
GEICO $2,746 $2,755 $2,571 $2,571 $4,937 $6,191 $3,025 $3,064
Liberty Mutual $3,384 $3,384 $3,099 $3,099 $7,177 $11,066 $3,384 $4,594
Nationwide $2,786 $2,759 $2,479 $2,571 $6,816 $8,454 $3,079 $3,222
Progressive $3,358 $3,178 $2,903 $3,099 $9,648 $10,563 $4,055 $3,912
State Farm $1,971 $1,971 $1,792 $1,792 $5,865 $7,553 $2,189 $2,365
USAA $1,394 $1,371 $1,299 $1,291 $4,756 $5,538 $1,746 $1,889

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Minimum Car Insurance in Neptune Beach, FL

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

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

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

Annual Car Insurance Rates by Credit Score in Neptune Beach, Florida

Insurance Company Poor Fair Good
Allstate $9,676 $6,200 $5,069
GEICO $5,093 $3,064 $2,290
Liberty Mutual $6,316 $4,630 $3,749
Nationwide $5,020 $3,694 $3,348
Progressive $6,603 $4,715 $3,951
State Farm $4,362 $2,858 $2,342
USAA $3,912 $1,920 $1,400

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

Annual Neptune Beach, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,991 $7,180 $8,070 $6,684
GEICO $2,412 $3,095 $4,630 $3,793
Liberty Mutual $3,553 $4,594 $6,622 $4,824
Nationwide $3,434 $3,763 $5,071 $3,815
Progressive $4,008 $5,955 $4,999 $5,397
State Farm $2,913 $3,461 $3,187 $3,187
USAA $1,889 $2,330 $3,444 $1,980

Cheapest Neptune Beach, FL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Neptune Beach, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $15,087 $16,560
GEICO $4,937 $6,191
Liberty Mutual $7,177 $11,066
Nationwide $6,816 $8,454
Progressive $9,648 $10,563
State Farm $5,865 $7,553
USAA $4,756 $5,538

Cheapest Neptune Beach, FL Car Insurance for Seniors

Take a look at Neptune Beach, 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 Neptune Beach, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,657 $3,746
GEICO $2,571 $2,571
Liberty Mutual $3,099 $3,099
Nationwide $2,479 $2,571
Progressive $2,903 $3,099
State Farm $1,792 $1,792
USAA $1,299 $1,291

Cheapest Neptune Beach, FL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Neptune Beach, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $8,070
GEICO $4,630
Liberty Mutual $6,622
Nationwide $5,071
Progressive $4,999
State Farm $3,187
USAA $3,444

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Cheapest Neptune Beach, FL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Neptune Beach, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,780 $7,182
GEICO $3,466 $3,499
Liberty Mutual $4,739 $5,057
Nationwide $4,021 $4,021
Progressive $5,090 $5,090
State Farm $3,081 $3,293
USAA $2,384 $2,438

The Best Cheap Car Insurance Companies in Neptune Beach, FL

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

Average Annual Car Insurance Rates by Company in Neptune Beach, Florida

Insurance Company Average Annual Rates
Allstate $6,981
GEICO $3,482
Liberty Mutual $4,898
Nationwide $4,021
Progressive $5,090
State Farm $3,187
USAA $2,411

Category Winners: Cheapest Car Insurance in Neptune Beach, Florida

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

Best Annual Car Insurance Rates by Company in Neptune Beach, Florida

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

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Cheapest Neptune Beach, FL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Neptune Beach, Florida

Insurance Company Low Medium High
Allstate $5,469 $7,325 $8,151
GEICO $2,867 $3,604 $3,977
Liberty Mutual $4,471 $4,982 $5,242
Nationwide $3,257 $4,164 $4,641
Progressive $4,287 $5,207 $5,775
State Farm $2,694 $3,269 $3,599
USAA $2,101 $2,492 $2,640

What affects car insurance rates in Neptune Beach, Florida?

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

Car Theft in Neptune Beach

High levels of vehicle theft can make car insurance more expensive. Neptune Beach, FL car theft statistics from the FBI indicate 8 vehicle thefts a year.

Commute Time in Neptune Beach

The more time you spend in your car the higher the risk of an accident. The average commute length in Neptune Beach, FL is 27.3 minutes according to City-Data.

Compare Car Insurance Quotes in Neptune Beach, FL

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

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Average Monthly Car Insurance Rates by State