Compare Port Charlotte, FL Car Insurance Rates (2021)

Car insurance in Port Charlotte, FL averages $321 a month. Port Charlotte, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Port Charlotte car insurance rates, compare quotes from the top car insurance companies in Port Charlotte, FL.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • Average car insurance rates in Port Charlotte, FL are $3,851/year
  • Average car insurance rates in Port Charlotte, FL after a DUI are $4,600/year
  • The cheapest ZIP code in Port Charlotte is 33981

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

You’ll find Port Charlotte car insurance rates, the cheapest Port Charlotte, FL car insurance companies, and information on Florida car insurance laws. You can also compare Port Charlotte, Florida car insurance rates to Tallahassee car insurance rates, Cape Coral car insurance rates, and Tampa car insurance rates.

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

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

How do age, gender, and marital status affect Port Charlotte, FL car insurance rates? Every Port Charlotte, 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 Port Charlotte, 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 $3,756 $3,574 $3,257 $3,301 $12,831 $13,833 $3,741 $3,787
GEICO $2,498 $2,508 $2,338 $2,338 $4,485 $5,645 $2,753 $2,797
Liberty Mutual $3,065 $3,065 $2,816 $2,816 $6,369 $9,760 $3,065 $4,122
Nationwide $2,494 $2,463 $2,229 $2,306 $5,944 $7,318 $2,742 $2,853
Progressive $3,323 $3,137 $2,864 $3,060 $9,337 $10,184 $3,996 $3,823
State Farm $1,673 $1,673 $1,519 $1,519 $4,841 $6,149 $1,855 $1,988
USAA $1,294 $1,273 $1,210 $1,200 $4,394 $5,097 $1,613 $1,740

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Minimum Car Insurance in Port Charlotte, FL

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

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

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

Annual Car Insurance Rates by Credit Score in Port Charlotte, Florida

Insurance Company Poor Fair Good
Allstate $8,384 $5,321 $4,325
GEICO $4,623 $2,793 $2,094
Liberty Mutual $5,623 $4,150 $3,382
Nationwide $4,429 $3,256 $2,946
Progressive $6,472 $4,593 $3,832
State Farm $3,621 $2,380 $1,955
USAA $3,617 $1,775 $1,292

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

Annual Port Charlotte, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,185 $6,209 $6,891 $5,754
GEICO $2,206 $2,822 $4,204 $3,450
Liberty Mutual $3,177 $4,108 $5,936 $4,318
Nationwide $3,033 $3,323 $4,455 $3,363
Progressive $3,923 $5,797 $4,882 $5,260
State Farm $2,426 $2,878 $2,652 $2,652
USAA $1,748 $2,154 $3,178 $1,832

Cheapest Port Charlotte, FL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Port Charlotte, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,831 $13,833
GEICO $4,485 $5,645
Liberty Mutual $6,369 $9,760
Nationwide $5,944 $7,318
Progressive $9,337 $10,184
State Farm $4,841 $6,149
USAA $4,394 $5,097

Cheapest Port Charlotte, FL Car Insurance for Seniors

Take a look at Port Charlotte, 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 Port Charlotte, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,257 $3,301
GEICO $2,338 $2,338
Liberty Mutual $2,816 $2,816
Nationwide $2,229 $2,306
Progressive $2,864 $3,060
State Farm $1,519 $1,519
USAA $1,210 $1,200

Cheapest Port Charlotte, FL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Port Charlotte, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,891
GEICO $4,204
Liberty Mutual $5,936
Nationwide $4,455
Progressive $4,882
State Farm $2,652
USAA $3,178

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Port Charlotte, FL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Port Charlotte, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,840 $6,179
GEICO $3,155 $3,186
Liberty Mutual $4,246 $4,524
Nationwide $3,544 $3,544
Progressive $4,966 $4,966
State Farm $2,562 $2,742
USAA $2,203 $2,253

Cheapest Port Charlotte, FL Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Port Charlotte, Florida

ZIP Code Average Annual Rates
33948 $2,980
33953 $2,980
33954 $2,984
33981 $2,976

The Best Cheap Car Insurance Companies in Port Charlotte, FL

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

Average Annual Car Insurance Rates by Company in Port Charlotte, Florida

Insurance Company Average Annual Rates
Allstate $6,010
GEICO $3,170
Liberty Mutual $4,385
Nationwide $3,544
Progressive $4,966
State Farm $2,652
USAA $2,228

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Category Winners: Cheapest Car Insurance in Port Charlotte, Florida

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

Best Annual Car Insurance Rates by Company in Port Charlotte, 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

Cheapest Port Charlotte, FL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Port Charlotte, Florida

Insurance Company Low Medium High
Allstate $4,812 $6,282 $6,935
GEICO $2,609 $3,281 $3,621
Liberty Mutual $4,030 $4,448 $4,677
Nationwide $2,824 $3,679 $4,128
Progressive $4,163 $5,080 $5,653
State Farm $2,282 $2,713 $2,962
USAA $1,925 $2,306 $2,452

What affects car insurance rates in Port Charlotte, Florida?

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

Commute Time in Port Charlotte

The more time you spend in your car the higher the risk of an accident. The average commute length in Port Charlotte, FL is 24.1 minutes according to City-Data.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Compare Car Insurance Quotes in Port Charlotte, FL

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption