Compare Vero Beach, FL Car Insurance Rates (2021)

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

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Here's What You Need to Know

  • The cheapest ZIP code in Vero Beach is 32966
  • The cheapest car insurance company in Vero Beach for teen drivers is GEICO
  • The cheapest car insurance company in Vero Beach is USAA

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

You’ll find Vero Beach car insurance rates, the cheapest Vero Beach, FL car insurance companies, and information on Florida car insurance laws. You can also compare Vero Beach, Florida car insurance rates to Fort Lauderdale car insurance rates, St. Petersburg car insurance rates, and Miami car insurance rates.

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

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

How do age, gender, and marital status affect Vero Beach, FL car insurance rates? Every Vero 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 Vero 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 $3,905 $3,682 $3,368 $3,394 $13,002 $13,912 $3,837 $3,859
GEICO $2,706 $2,718 $2,535 $2,535 $4,829 $6,062 $2,980 $3,025
Liberty Mutual $3,284 $3,284 $3,013 $3,013 $6,884 $10,579 $3,284 $4,437
Nationwide $2,631 $2,601 $2,358 $2,437 $6,206 $7,634 $2,890 $3,008
Progressive $3,521 $3,306 $3,028 $3,243 $9,961 $10,873 $4,222 $4,023
State Farm $1,855 $1,855 $1,693 $1,693 $5,326 $6,778 $2,055 $2,197
USAA $1,481 $1,454 $1,389 $1,373 $5,088 $5,904 $1,840 $1,980

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Minimum Car Insurance in Vero Beach, FL

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

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

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

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

Insurance Company Poor Fair Good
Allstate $8,576 $5,408 $4,376
GEICO $4,978 $3,020 $2,273
Liberty Mutual $6,070 $4,467 $3,630
Nationwide $4,647 $3,420 $3,094
Progressive $6,856 $4,884 $4,076
State Farm $3,993 $2,634 $2,168
USAA $4,148 $2,048 $1,495

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

Annual Vero Beach, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,293 $6,340 $6,988 $5,858
GEICO $2,392 $3,051 $4,530 $3,723
Liberty Mutual $3,401 $4,420 $6,420 $4,649
Nationwide $3,190 $3,491 $4,669 $3,533
Progressive $4,173 $6,150 $5,185 $5,581
State Farm $2,684 $3,179 $2,932 $2,932
USAA $2,002 $2,476 $3,677 $2,100

Cheapest Vero Beach, FL Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,002 $13,912
GEICO $4,829 $6,062
Liberty Mutual $6,884 $10,579
Nationwide $6,206 $7,634
Progressive $9,961 $10,873
State Farm $5,326 $6,778
USAA $5,088 $5,904

Cheapest Vero Beach, FL Car Insurance for Seniors

Take a look at Vero 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 Vero Beach, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,368 $3,394
GEICO $2,535 $2,535
Liberty Mutual $3,013 $3,013
Nationwide $2,358 $2,437
Progressive $3,028 $3,243
State Farm $1,693 $1,693
USAA $1,389 $1,373

Cheapest Vero Beach, FL Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,988
GEICO $4,530
Liberty Mutual $6,420
Nationwide $4,669
Progressive $5,185
State Farm $2,932
USAA $3,677

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Cheapest Vero Beach, FL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Vero 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 Vero Beach, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,947 $6,292
GEICO $3,407 $3,440
Liberty Mutual $4,571 $4,874
Nationwide $3,721 $3,721
Progressive $5,272 $5,272
State Farm $2,834 $3,029
USAA $2,535 $2,593

Cheapest Vero Beach, FL Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Vero Beach, Florida

ZIP Code Average Annual Rates
32966 $3,168
32967 $3,168
32968 $3,176

The Best Cheap Car Insurance Companies in Vero Beach, FL

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

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

Insurance Company Average Annual Rates
Allstate $6,120
GEICO $3,424
Liberty Mutual $4,723
Nationwide $3,721
Progressive $5,272
State Farm $2,932
USAA $2,564

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Category Winners: Cheapest Car Insurance in Vero Beach, Florida

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

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

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

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

Insurance Company Low Medium High
Allstate $4,925 $6,392 $7,043
GEICO $2,757 $3,549 $3,965
Liberty Mutual $4,310 $4,798 $5,059
Nationwide $2,880 $3,879 $4,402
Progressive $4,307 $5,408 $6,101
State Farm $2,474 $3,003 $3,318
USAA $2,183 $2,662 $2,846

What affects car insurance rates in Vero Beach, Florida?

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

Car Theft in Vero Beach

High levels of vehicle theft can make car insurance more expensive. Vero Beach, FL car theft statistics from the FBI indicate 12 vehicle thefts a year.

Commute Time in Vero Beach

The more time you spend in your car the higher the risk of an accident. The average commute length in Vero Beach, FL is 16.5 minutes according to City-Data.

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Compare Car Insurance Quotes in Vero Beach, FL

Ready to find affordable Vero Beach, Florida car insurance today? Enter your ZIP code for fast, free Vero Beach, 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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