Best Sarasota, FL Car Insurance in 2024
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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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
UPDATED: Oct 24, 2024
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.
UPDATED: Oct 24, 2024
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.
On This Page
- 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.
| 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 required by the state in Sarasota, FL. Take a look at the Florida car insurance requirements.
| 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. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Sarasota from top companies for good, fair, and poor credit.
| 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. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Sarasota, FL to rates for a clean record with top companies.
| 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.
| 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 rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| 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 car insurance after a DUI by the company to find the cheapest option.
| 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.
| 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.
| 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.
| 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.
| 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 car insurance you need will have an impact on your Sarasota car insurance rates. Find the cheapest Sarasota, FL car insurance rates by coverage level.
| 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 are the factors that affect car insurance rates in Sarasota, FL? 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.
Frequently Asked Questions
What is the average monthly car insurance rate in Sarasota, FL?
The average monthly car insurance rate in Sarasota, FL is $342.
What are the car insurance requirements in Sarasota, FL?
The car insurance requirements in Sarasota, FL are 10/20/10. This means you need at least $10,000 in bodily injury liability coverage per person, $20,000 per accident, and $10,000 in property damage liability coverage.
Does credit score affect car insurance rates in Sarasota, FL?
Yes, credit score can affect car insurance rates. A good credit score may qualify you for discounts.
Are there specific car insurance options for senior drivers in Sarasota, FL?
Yes, there are car insurance options designed for senior drivers. Compare rates to find suitable coverage.
How does commute length affect car insurance rates in Sarasota, FL?
Commute length can impact car insurance rates. Longer commutes may lead to higher rates.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
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.