Best Lutz, FL Car Insurance in 2024
Car insurance in Lutz, FL averages $450 a month. Lutz, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Lutz car insurance rates, compare quotes from the top car insurance companies in Lutz, FL.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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
- The cheapest car insurance company in Lutz is USAA
- Average car insurance rates in Lutz, FL after a DUI are $6,497/year
- Average car insurance rates in Lutz, FL are $5,405/year
If you need to buy Lutz, Florida car insurance, the options can be confusing. Everything you need to know about car insurance in Lutz, FL is right here.
You’ll find Lutz car insurance rates, the cheapest Lutz, FL car insurance companies, and information on Florida car insurance laws. You can also compare Lutz, Florida car insurance rates to Miami car insurance rates, Port St. Lucie car insurance rates, and Tampa car insurance rates.
Ready to find affordable Lutz, FL car insurance today? Enter your ZIP code for fast, free Lutz car insurance quotes.
Cheapest Lutz, FL Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Lutz, FL car insurance rates? Every Lutz, 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 | $5,549 | $5,283 | $4,837 | $4,903 | $19,397 | $21,121 | $5,463 | $5,508 |
| Geico | $3,453 | $3,466 | $3,232 | $3,232 | $6,128 | $7,624 | $3,796 | $3,835 |
| Liberty Mutual | $3,914 | $3,914 | $3,589 | $3,589 | $8,239 | $12,678 | $3,914 | $5,299 |
| Nationwide | $3,948 | $3,889 | $3,517 | $3,636 | $9,673 | $11,899 | $4,356 | $4,524 |
| Progressive | $4,046 | $3,797 | $3,462 | $3,711 | $11,551 | $12,567 | $4,871 | $4,618 |
| State Farm | $2,388 | $2,388 | $2,165 | $2,165 | $7,115 | $9,117 | $2,663 | $2,849 |
| USAA | $1,851 | $1,815 | $1,747 | $1,722 | $6,467 | $7,447 | $2,303 | $2,474 |
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Minimum Car Insurance in Lutz, FL
Every driver must carry the minimum car insurance in Lutz, 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 Lutz, FL Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Lutz, FL. Compare credit history car insurance rates in Lutz from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $12,611 | $7,970 | $6,442 |
| Geico | $6,327 | $3,832 | $2,879 |
| Liberty Mutual | $7,264 | $5,334 | $4,329 |
| Nationwide | $7,134 | $5,208 | $4,698 |
| Progressive | $7,897 | $5,638 | $4,699 |
| State Farm | $5,301 | $3,451 | $2,817 |
| USAA | $5,224 | $2,582 | $1,878 |
Cheapest Lutz, 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 Lutz, FL to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $7,747 | $9,314 | $10,354 | $8,616 |
| Geico | $3,025 | $3,868 | $5,762 | $4,729 |
| Liberty Mutual | $4,059 | $5,279 | $7,677 | $5,554 |
| Nationwide | $4,821 | $5,310 | $7,214 | $5,375 |
| Progressive | $4,792 | $7,102 | $5,979 | $6,438 |
| State Farm | $3,519 | $4,193 | $3,856 | $3,856 |
| USAA | $2,513 | $3,120 | $4,641 | $2,638 |
Cheapest Lutz, FL Car Insurance for Teen Drivers
Teen car insurance in Lutz, FL can be expensive. Take a look at rates from the top car insurance companies in Lutz for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $19,397 | $21,121 |
| Geico | $6,128 | $7,624 |
| Liberty Mutual | $8,239 | $12,678 |
| Nationwide | $9,673 | $11,899 |
| Progressive | $11,551 | $12,567 |
| State Farm | $7,115 | $9,117 |
| USAA | $6,467 | $7,447 |
Cheapest Lutz, FL Car Insurance for Seniors
Take a look at Lutz, FL senior car insurance rates 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 | $4,837 | $4,903 |
| Geico | $3,232 | $3,232 |
| Liberty Mutual | $3,589 | $3,589 |
| Nationwide | $3,517 | $3,636 |
| Progressive | $3,462 | $3,711 |
| State Farm | $2,165 | $2,165 |
| USAA | $1,747 | $1,722 |
Cheapest Lutz, FL Car Insurance Rates After a DUI
A DUI in Lutz, FL increases car insurance rates. Compare Lutz, Florida DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $10,354 |
| Geico | $5,762 |
| Liberty Mutual | $7,677 |
| Nationwide | $7,214 |
| Progressive | $5,979 |
| State Farm | $3,856 |
| USAA | $4,641 |
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Cheapest Lutz, FL Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Lutz, 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 | $8,746 | $9,269 |
| Geico | $4,325 | $4,367 |
| Liberty Mutual | $5,460 | $5,824 |
| Nationwide | $5,680 | $5,680 |
| Progressive | $6,078 | $6,078 |
| State Farm | $3,721 | $3,991 |
| USAA | $3,191 | $3,265 |
Cheapest Lutz, FL Car Insurance Rates by ZIP Code
Lutz car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Lutz, FL.
| ZIP Code | Average Annual Rates |
|---|---|
| 33548 | $4,174 |
| 33549 | $4,303 |
| 33559 | $4,254 |
The Best Cheap Car Insurance Companies in Lutz, FL
Take a look at a side-by-side comparison of the top car insurance companies in Lutz, FL to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $9,008 |
| Geico | $4,346 |
| Liberty Mutual | $5,642 |
| Nationwide | $5,680 |
| Progressive | $6,078 |
| State Farm | $3,856 |
| USAA | $3,228 |
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Category Winners: Cheapest Car Insurance in Lutz, Florida
Find the cheapest car insurance companies in Lutz, 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 Lutz, FL Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Lutz car insurance rates. Find the cheapest Lutz, FL car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $6,895 | $9,484 | $10,645 |
| Geico | $3,528 | $4,499 | $5,011 |
| Liberty Mutual | $5,191 | $5,728 | $6,008 |
| Nationwide | $4,409 | $5,918 | $6,713 |
| Progressive | $4,961 | $6,236 | $7,036 |
| State Farm | $3,248 | $3,962 | $4,359 |
| USAA | $2,697 | $3,367 | $3,621 |
What affects car insurance rates in Lutz, Florida?
What factors can have an impact on Lutz, FL car insurance? There are several reasons why Lutz car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Lutz, Florida.
Commute Time in Lutz
The more time you spend in your car the higher the risk of an accident. The average commute length in Lutz, FL is 32.2 minutes according to City-Data.
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Compare Car Insurance Quotes in Lutz, FL
Ready to find affordable Lutz, Florida car insurance today? Enter your ZIP code for fast, free Lutz, FL car insurance quotes.
Frequently Asked Questions
Which are the best cheap car insurance companies in Lutz, FL?
The best cheap car insurance companies in Lutz, FL may vary depending on individual circumstances. Compare rates from Allstate, GEICO, Liberty Mutual, Nationwide, Progressive, State Farm, and USAA to find the best option for you.
How does commute length affect car insurance rates in Lutz, FL?
Commute length can impact car insurance rates in Lutz, FL. Compare rates for different commute lengths to find the most affordable options.
What are the car insurance rates for senior drivers in Lutz, FL
Car insurance rates for senior drivers in Lutz, FL can vary. Shop around and compare rates from different companies to find the best options for seniors.
How does driving record impact car insurance rates in Lutz, FL?
Your driving record is a significant factor in determining car insurance rates. Compare rates for a clean record versus rates with accidents, DUI, or speeding violations.
What is the minimum car insurance coverage required in Lutz, FL?
The minimum car insurance coverage required in Lutz, FL includes:
- Bodily Injury Liability Coverage: $10,000 per person, $20,000 per accident
- Property Damage Liability Coverage: $10,000 minimum
How much does car insurance in Lutz, FL cost on average?
Car insurance in Lutz, FL averages $450 per month or $5,405 per year.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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.