Compare Sanibel, FL Car Insurance Rates (2021)

Car insurance in Sanibel, FL averages $326 a month. Sanibel, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Sanibel car insurance rates, compare quotes from the top car insurance companies in Sanibel, 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 Sanibel for teen drivers is State Farm
  • Average car insurance rates in Sanibel, FL are $3,916/year
  • Average car insurance rates in Sanibel, FL after a DUI are $4,696/year

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

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

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

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

How do age, gender, and marital status affect Sanibel, FL car insurance rates? Every Sanibel, 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 Sanibel, 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 $3,746 $3,555 $3,250 $3,291 $12,908 $13,898 $3,711 $3,748
GEICO $2,483 $2,498 $2,322 $2,322 $4,442 $5,614 $2,740 $2,795
Liberty Mutual $3,207 $3,207 $2,943 $2,943 $6,704 $10,293 $3,207 $4,326
Nationwide $2,591 $2,553 $2,312 $2,392 $6,176 $7,581 $2,846 $2,953
Progressive $3,429 $3,239 $2,954 $3,161 $9,725 $10,647 $4,136 $3,976
State Farm $1,495 $1,495 $1,362 $1,362 $4,315 $5,500 $1,653 $1,779
USAA $1,403 $1,378 $1,313 $1,301 $4,844 $5,619 $1,753 $1,891

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Minimum Car Insurance in Sanibel, FL

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

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

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

Annual Car Insurance Rates by Credit Score in Sanibel, Florida

Insurance Company Poor Fair Good
Allstate $8,381 $5,328 $4,330
GEICO $4,576 $2,782 $2,098
Liberty Mutual $5,914 $4,355 $3,542
Nationwide $4,608 $3,373 $3,046
Progressive $6,710 $4,775 $3,990
State Farm $3,227 $2,130 $1,753
USAA $3,952 $1,945 $1,417

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

Annual Sanibel, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,177 $6,215 $6,907 $5,754
GEICO $2,208 $2,811 $4,164 $3,426
Liberty Mutual $3,329 $4,312 $6,241 $4,533
Nationwide $3,140 $3,446 $4,631 $3,485
Progressive $4,066 $6,032 $5,068 $5,469
State Farm $2,170 $2,570 $2,370 $2,370
USAA $1,904 $2,356 $3,494 $1,997

Cheapest Sanibel, FL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Sanibel, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,908 $13,898
GEICO $4,442 $5,614
Liberty Mutual $6,704 $10,293
Nationwide $6,176 $7,581
Progressive $9,725 $10,647
State Farm $4,315 $5,500
USAA $4,844 $5,619

Cheapest Sanibel, FL Car Insurance for Seniors

Take a look at Sanibel, 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 Sanibel, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,250 $3,291
GEICO $2,322 $2,322
Liberty Mutual $2,943 $2,943
Nationwide $2,312 $2,392
Progressive $2,954 $3,161
State Farm $1,362 $1,362
USAA $1,313 $1,301

Cheapest Sanibel, FL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Sanibel, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,907
GEICO $4,164
Liberty Mutual $6,241
Nationwide $4,631
Progressive $5,068
State Farm $2,370
USAA $3,494

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Cheapest Sanibel, FL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Sanibel, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,846 $6,180
GEICO $3,136 $3,168
Liberty Mutual $4,457 $4,751
Nationwide $3,676 $3,676
Progressive $5,159 $5,159
State Farm $2,292 $2,448
USAA $2,411 $2,465

The Best Cheap Car Insurance Companies in Sanibel, FL

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

Average Annual Car Insurance Rates by Company in Sanibel, Florida

Insurance Company Average Annual Rates
Allstate $6,013
GEICO $3,152
Liberty Mutual $4,604
Nationwide $3,676
Progressive $5,159
State Farm $2,370
USAA $2,438

Category Winners: Cheapest Car Insurance in Sanibel, Florida

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

Best Annual Car Insurance Rates by Company in Sanibel, Florida

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

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Cheapest Sanibel, FL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Sanibel, Florida

Insurance Company Low Medium High
Allstate $4,818 $6,285 $6,937
GEICO $2,627 $3,258 $3,571
Liberty Mutual $4,236 $4,670 $4,905
Nationwide $2,962 $3,810 $4,255
Progressive $4,344 $5,275 $5,856
State Farm $2,034 $2,424 $2,653
USAA $2,098 $2,527 $2,688

What affects car insurance rates in Sanibel, Florida?

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

Car Theft in Sanibel

High levels of vehicle theft can make car insurance more expensive. Sanibel, FL car theft statistics from the FBI indicate 0 vehicle thefts a year.

Commute Time in Sanibel

The more time you spend in your car the higher the risk of an accident. The average commute length in Sanibel, FL is 19.8 minutes according to City-Data.

Compare Car Insurance Quotes in Sanibel, FL

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

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

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