Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • Average car insurance rates in Crystal River, FL for senior drivers are $2,370/year
  • The cheapest car insurance company in Crystal River after a DUI is State Farm
  • Average car insurance rates in Crystal River, FL are $323/month

Average car insurance rates in Crystal River, Florida are $323 a month. But with a little research you can get a great deal from the top car insurance companies in Crystal River, FL. Before you buy Crystal River, Florida car insurance, make sure your coverage meets or exceeds the Florida minimum of 10/20/10.

It may even be helpful to compare Crystal River car insurance rates with Miami car insurance rates, Cape Coral car insurance rates, or Jacksonville car insurance rates to make sure you’re getting the best Crystal River, FL car insurance quotes available.

Need affordable Crystal River, FL car insurance? Enter your ZIP code to compare Crystal River car insurance quotes from multiple car insurance companies near you.

Crystal River, FL Minimum Car Insurance Coverage

Crystal River, Florida law requires drivers carry a minimum of 10/20/10 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Crystal River, 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

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Crystal River, FL Car Insurance Rates by Coverage Level

Some Crystal River drivers can get by with the Florida minimum coverage of 10/20/10. Other drivers may need more. See how much your Crystal River, Florida car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Crystal River, Florida

Insurance Company Low Medium High
Allstate $4,688 $6,455 $7,244
GEICO $2,733 $3,419 $3,778
Liberty Mutual $3,632 $4,016 $4,232
Nationwide $2,844 $3,753 $4,230
Progressive $4,524 $5,501 $6,112
State Farm $2,142 $2,557 $2,799
USAA $1,941 $2,353 $2,512

Crystal River, FL Car Insurance Rates by Age, Gender, and Marital Status

Crystal River, Florida car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Crystal River, FL car insurance, get quotes from multiple car insurance companies in the Crystal River area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Crystal River, 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 $3,807 $3,662 $3,329 $3,389 $13,006 $14,125 $3,823 $3,893
GEICO $2,637 $2,651 $2,465 $2,465 $4,635 $5,782 $2,900 $2,942
Liberty Mutual $2,790 $2,790 $2,570 $2,570 $5,719 $8,725 $2,790 $3,727
Nationwide $2,546 $2,513 $2,279 $2,355 $6,046 $7,427 $2,797 $2,906
Progressive $3,616 $3,403 $3,097 $3,319 $10,108 $11,003 $4,344 $4,142
State Farm $1,581 $1,581 $1,435 $1,435 $4,538 $5,795 $1,749 $1,880
USAA $1,330 $1,310 $1,241 $1,235 $4,437 $5,151 $1,657 $1,789

Crystal River, FL Car Insurance Rates for Teens

How much is Crystal River, Florida car insurance for teens? Compare rates from top Crystal River car insurance companies below to help find the cheapest teen car insurance in Crystal River, FL.

Annual Car Insurance Rates for Teen Drivers in Crystal River, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,006 $14,125
GEICO $4,635 $5,782
Liberty Mutual $5,719 $8,725
Nationwide $6,046 $7,427
Progressive $10,108 $11,003
State Farm $4,538 $5,795
USAA $4,437 $5,151

Crystal River, FL Car Insurance Rates for Seniors

Before seniors buy Crystal River, Florida car insurance, they should make sure to shop around. Some Crystal River, FL car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Crystal River, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,329 $3,389
GEICO $2,465 $2,465
Liberty Mutual $2,570 $2,570
Nationwide $2,279 $2,355
Progressive $3,097 $3,319
State Farm $1,435 $1,435
USAA $1,241 $1,235

Crystal River, FL Car Insurance Rates by Credit History

How does your credit history affect Crystal River, FL car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Crystal River, Florida

Insurance Company Poor Fair Good
Allstate $8,576 $5,416 $4,396
GEICO $4,784 $2,928 $2,219
Liberty Mutual $5,057 $3,752 $3,072
Nationwide $4,512 $3,316 $2,999
Progressive $7,019 $4,978 $4,140
State Farm $3,393 $2,249 $1,856
USAA $3,690 $1,804 $1,312

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Crystal River, FL Car Insurance Rates by Driver History

How does a single speeding ticket affect your Crystal River, Florida car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Crystal River.

Annual Crystal River, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,297 $6,326 $7,022 $5,872
GEICO $2,328 $2,955 $4,363 $3,595
Liberty Mutual $2,898 $3,718 $5,323 $3,902
Nationwide $3,088 $3,384 $4,539 $3,424
Progressive $4,251 $6,278 $5,289 $5,699
State Farm $2,291 $2,708 $2,499 $2,499
USAA $1,792 $2,195 $3,212 $1,875

Crystal River, FL Car Insurance Rates With a DUI

Even a single DUI can increase your Crystal River, FL car insurance rates. Compare rates below to see which Crystal River car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Crystal River, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,022
GEICO $4,363
Liberty Mutual $5,323
Nationwide $4,539
Progressive $5,289
State Farm $2,499
USAA $3,212

Crystal River, FL Car Insurance Rates by ZIP Code

Just like Crystal River car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Crystal River, FL car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Crystal River, Florida

ZIP Code Average Annual Rates
34428 $2,991
34429 $3,017

Crystal River, FL Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Crystal River, FL car insurance rates may be. Let’s take a look at average car insurance rates from top Crystal River companies based on commute time.

Annual Car Insurance Rates by Commute Length in Crystal River, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,954 $6,304
GEICO $3,294 $3,326
Liberty Mutual $3,837 $4,083
Nationwide $3,609 $3,609
Progressive $5,379 $5,379
State Farm $2,416 $2,582
USAA $2,243 $2,295

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Crystal River, FL Cheapest Car Insurance Rates

How do the top Crystal River, Florida car insurance companies’ average rates stack up against the Crystal River average monthly car insurance rates of $323? Take a look and see.

Best Annual Car Insurance Rates by Company in Crystal River, Florida

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

Crystal River, FL Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Crystal River, Florida car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Crystal River, Florida

Insurance Company Average Annual Rates
Allstate $6,129
GEICO $3,310
Liberty Mutual $3,960
Nationwide $3,609
Progressive $5,379
State Farm $2,499
USAA $2,269

Other Factors Affecting Crystal River, FL Car Insurance Rates

Before you buy Crystal River, Florida car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Crystal River, FL Commute Time

How does your Crystal River, FL commute time compare with the average driver? In Crystal River, the average commute is 17.3 minutes.

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Crystal River, FL Car Insurance Quotes

Compare Crystal River, FL car insurance quotes from multiple companies by entering your ZIP code now.