Compare The Villages, FL Car Insurance Rates (2021)

Car insurance in The Villages, FL averages $315 a month. The Villages, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap The Villages car insurance rates, compare quotes from the top car insurance companies in The Villages, 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

  • The cheapest ZIP code in The Villages is 32162
  • Average car insurance rates in The Villages, FL are $3,778/year
  • The cheapest car insurance company in The Villages for teen drivers is GEICO

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

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

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

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

How do age, gender, and marital status affect The Villages, FL car insurance rates? Every The Villages, 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 The Villages, 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 $3,537 $3,429 $3,111 $3,182 $12,226 $13,397 $3,591 $3,670
GEICO $2,435 $2,446 $2,280 $2,280 $4,328 $5,431 $2,680 $2,722
Liberty Mutual $2,991 $2,991 $2,750 $2,750 $6,195 $9,482 $2,991 $4,016
Nationwide $2,381 $2,352 $2,133 $2,204 $5,626 $6,916 $2,614 $2,719
Progressive $3,419 $3,227 $2,932 $3,139 $9,473 $10,317 $4,110 $3,930
State Farm $1,581 $1,581 $1,435 $1,435 $4,538 $5,795 $1,749 $1,880
USAA $1,392 $1,369 $1,297 $1,288 $4,728 $5,502 $1,739 $1,879

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Minimum Car Insurance in The Villages, FL

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

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

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

Annual Car Insurance Rates by Credit Score in The Villages, Florida

Insurance Company Poor Fair Good
Allstate $8,042 $5,104 $4,158
GEICO $4,462 $2,715 $2,048
Liberty Mutual $5,471 $4,043 $3,298
Nationwide $4,204 $3,097 $2,804
Progressive $6,629 $4,684 $3,893
State Farm $3,393 $2,249 $1,856
USAA $3,909 $1,906 $1,383

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

Annual The Villages, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,984 $5,936 $6,621 $5,530
GEICO $2,154 $2,742 $4,063 $3,342
Liberty Mutual $3,109 $4,005 $5,763 $4,207
Nationwide $2,887 $3,160 $4,227 $3,198
Progressive $4,000 $5,919 $4,982 $5,373
State Farm $2,291 $2,708 $2,499 $2,499
USAA $1,883 $2,319 $3,421 $1,973

Cheapest The Villages, FL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in The Villages, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,226 $13,397
GEICO $4,328 $5,431
Liberty Mutual $6,195 $9,482
Nationwide $5,626 $6,916
Progressive $9,473 $10,317
State Farm $4,538 $5,795
USAA $4,728 $5,502

Cheapest The Villages, FL Car Insurance for Seniors

Take a look at The Villages, 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 The Villages, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,111 $3,182
GEICO $2,280 $2,280
Liberty Mutual $2,750 $2,750
Nationwide $2,133 $2,204
Progressive $2,932 $3,139
State Farm $1,435 $1,435
USAA $1,297 $1,288

Cheapest The Villages, FL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in The Villages, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,621
GEICO $4,063
Liberty Mutual $5,763
Nationwide $4,227
Progressive $4,982
State Farm $2,499
USAA $3,421

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Cheapest The Villages, FL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in The Villages, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,602 $5,934
GEICO $3,060 $3,090
Liberty Mutual $4,136 $4,405
Nationwide $3,368 $3,368
Progressive $5,068 $5,068
State Farm $2,416 $2,582
USAA $2,372 $2,426

Cheapest The Villages, FL Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in The Villages, Florida

ZIP Code Average Annual Rates
32162 $2,850
32163 $2,984

The Best Cheap Car Insurance Companies in The Villages, FL

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

Average Annual Car Insurance Rates by Company in The Villages, Florida

Insurance Company Average Annual Rates
Allstate $5,768
GEICO $3,075
Liberty Mutual $4,271
Nationwide $3,368
Progressive $5,068
State Farm $2,499
USAA $2,399

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Category Winners: Cheapest Car Insurance in The Villages, Florida

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

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

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

Annual Car Insurance Rates by Coverage Level in The Villages, Florida

Insurance Company Low Medium High
Allstate $4,399 $6,076 $6,828
GEICO $2,536 $3,181 $3,509
Liberty Mutual $3,935 $4,330 $4,547
Nationwide $2,664 $3,501 $3,939
Progressive $4,344 $5,173 $5,689
State Farm $2,142 $2,557 $2,799
USAA $2,086 $2,481 $2,631

What affects car insurance rates in The Villages, Florida?

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

Commute Time in The Villages

The more time you spend in your car the higher the risk of an accident. The average commute length in The Villages, FL is 24.5 minutes according to City-Data.

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Compare Car Insurance Quotes in The Villages, FL

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

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