Compare Sarasota, FL Car Insurance Rates (2021)

Car insurance in Sarasota, FL averages $342 a month. Sarasota, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Sarasota car insurance rates, compare quotes from the top car insurance companies in Sarasota, FL.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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® Joel Ohman

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Sarasota, FL are $4,108/year
  • The cheapest car insurance company in Sarasota for teen drivers is GEICO
  • The cheapest ZIP code in Sarasota is 34241

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

You’ll find Sarasota car insurance rates, the cheapest Sarasota, FL car insurance companies, and information on Florida car insurance laws. You can also compare Sarasota, Florida car insurance rates to Hialeah car insurance rates, St. Petersburg car insurance rates, and Cape Coral car insurance rates.

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

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

How do age, gender, and marital status affect Sarasota, FL car insurance rates? Every Sarasota, 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 Sarasota, 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 $3,925 $3,743 $3,404 $3,455 $13,359 $14,429 $3,935 $3,991
GEICO $2,741 $2,750 $2,566 $2,566 $4,943 $6,205 $3,022 $3,060
Liberty Mutual $3,211 $3,211 $2,948 $2,948 $6,713 $10,307 $3,211 $4,332
Nationwide $2,559 $2,531 $2,286 $2,366 $6,169 $7,619 $2,820 $2,942
Progressive $3,380 $3,190 $2,915 $3,111 $9,607 $10,466 $4,064 $3,890
State Farm $1,780 $1,780 $1,618 $1,618 $5,226 $6,658 $1,977 $2,121
USAA $1,609 $1,580 $1,505 $1,490 $5,562 $6,460 $2,008 $2,164

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Minimum Car Insurance in Sarasota, FL

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

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

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

Annual Car Insurance Rates by Credit Score in Sarasota, Florida

Insurance Company Poor Fair Good
Allstate $8,754 $5,562 $4,525
GEICO $5,099 $3,062 $2,284
Liberty Mutual $5,922 $4,361 $3,547
Nationwide $4,572 $3,365 $3,048
Progressive $6,605 $4,700 $3,929
State Farm $3,902 $2,551 $2,089
USAA $4,540 $2,230 $1,622

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

Annual Sarasota, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,425 $6,481 $7,198 $6,016
GEICO $2,407 $3,093 $4,634 $3,793
Liberty Mutual $3,324 $4,315 $6,263 $4,539
Nationwide $3,133 $3,430 $4,607 $3,476
Progressive $3,997 $5,940 $4,990 $5,384
State Farm $2,601 $3,093 $2,847 $2,847
USAA $2,181 $2,702 $4,018 $2,289

Cheapest Sarasota, FL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Sarasota, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,359 $14,429
GEICO $4,943 $6,205
Liberty Mutual $6,713 $10,307
Nationwide $6,169 $7,619
Progressive $9,607 $10,466
State Farm $5,226 $6,658
USAA $5,562 $6,460

Cheapest Sarasota, FL Car Insurance for Seniors

Take a look at Sarasota, 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 Sarasota, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,404 $3,455
GEICO $2,566 $2,566
Liberty Mutual $2,948 $2,948
Nationwide $2,286 $2,366
Progressive $2,915 $3,111
State Farm $1,618 $1,618
USAA $1,505 $1,490

Cheapest Sarasota, FL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Sarasota, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,198
GEICO $4,634
Liberty Mutual $6,263
Nationwide $4,607
Progressive $4,990
State Farm $2,847
USAA $4,018

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Cheapest Sarasota, FL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Sarasota, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,100 $6,461
GEICO $3,465 $3,499
Liberty Mutual $4,463 $4,757
Nationwide $3,662 $3,662
Progressive $5,078 $5,078
State Farm $2,751 $2,944
USAA $2,766 $2,829

Cheapest Sarasota, FL Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Sarasota, Florida

ZIP Code Average Annual Rates
34236 $3,135
34237 $3,179
34238 $3,139
34239 $3,144
34240 $3,220
34241 $3,084
34242 $3,107
34243 $3,225

The Best Cheap Car Insurance Companies in Sarasota, FL

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

Average Annual Car Insurance Rates by Company in Sarasota, Florida

Insurance Company Average Annual Rates
Allstate $6,280
GEICO $3,482
Liberty Mutual $4,610
Nationwide $3,662
Progressive $5,078
State Farm $2,847
USAA $2,797

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Category Winners: Cheapest Car Insurance in Sarasota, Florida

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

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

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

Annual Car Insurance Rates by Coverage Level in Sarasota, Florida

Insurance Company Low Medium High
Allstate $5,061 $6,555 $7,224
GEICO $2,847 $3,605 $3,993
Liberty Mutual $4,234 $4,679 $4,917
Nationwide $2,936 $3,798 $4,250
Progressive $4,280 $5,194 $5,760
State Farm $2,435 $2,916 $3,191
USAA $2,412 $2,898 $3,083

What affects car insurance rates in Sarasota, Florida?

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

Car Theft in Sarasota

High levels of vehicle theft can make car insurance more expensive. Sarasota, FL car theft statistics from the FBI indicate 134 vehicle thefts a year.

Commute Time in Sarasota

The more time you spend in your car the higher the risk of an accident. The average commute length in Sarasota, FL is 24.4 minutes according to City-Data.

Traffic in Sarasota

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Sarasota, FL traffic data from INRIX ranks Sarasota as the 173rd-most congested in the world.

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Compare Car Insurance Quotes in Sarasota, FL

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

Free Car Insurance Comparison

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

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