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

  • The cheapest car insurance company in Dunedin for teen drivers is USAA
  • The cheapest car insurance company in Dunedin after a DUI is State Farm
  • Average car insurance rates in Dunedin, FL are $446/month

Average car insurance rates in Dunedin, Florida are $446 a month. But with a little research you can get a great deal from the top car insurance companies in Dunedin, FL. Before you buy Dunedin, Florida car insurance, make sure your coverage meets or exceeds the Florida minimum of 10/20/10.

It may even be helpful to compare Dunedin car insurance rates with Port St. Lucie car insurance rates, St. Petersburg car insurance rates, or Cape Coral car insurance rates to make sure you’re getting the best Dunedin, FL car insurance quotes available.

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

Dunedin, FL Minimum Car Insurance Coverage

Dunedin, 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 Dunedin, 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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Dunedin, FL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Dunedin, Florida

Insurance Company Low Medium High
Allstate $6,583 $9,451 $10,732
GEICO $3,688 $4,866 $5,492
Liberty Mutual $5,424 $6,093 $6,429
Nationwide $3,634 $5,037 $5,776
Progressive $4,812 $6,257 $7,169
State Farm $3,181 $3,894 $4,292
USAA $2,697 $3,367 $3,621

Dunedin, FL Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Dunedin, 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 $5,504 $5,254 $4,813 $4,880 $19,178 $20,902 $5,397 $5,446
GEICO $3,710 $3,732 $3,465 $3,465 $6,581 $8,257 $4,089 $4,158
Liberty Mutual $4,100 $4,100 $3,746 $3,746 $8,809 $13,645 $4,100 $5,612
Nationwide $3,370 $3,326 $3,011 $3,112 $8,128 $10,003 $3,714 $3,863
Progressive $4,104 $3,821 $3,501 $3,751 $11,566 $12,458 $4,887 $4,548
State Farm $2,342 $2,342 $2,127 $2,127 $6,998 $8,969 $2,613 $2,795
USAA $1,851 $1,815 $1,747 $1,722 $6,467 $7,447 $2,303 $2,474

Dunedin, FL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Dunedin, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $19,178 $20,902
GEICO $6,581 $8,257
Liberty Mutual $8,809 $13,645
Nationwide $8,128 $10,003
Progressive $11,566 $12,458
State Farm $6,998 $8,969
USAA $6,467 $7,447

Dunedin, FL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Dunedin, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,813 $4,880
GEICO $3,465 $3,465
Liberty Mutual $3,746 $3,746
Nationwide $3,011 $3,112
Progressive $3,501 $3,751
State Farm $2,127 $2,127
USAA $1,747 $1,722

Dunedin, FL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Dunedin, Florida

Insurance Company Poor Fair Good
Allstate $12,544 $7,876 $6,345
GEICO $6,790 $4,135 $3,122
Liberty Mutual $7,745 $5,649 $4,553
Nationwide $6,024 $4,424 $4,000
Progressive $7,920 $5,637 $4,682
State Farm $5,214 $3,389 $2,764
USAA $5,224 $2,582 $1,878

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Dunedin, FL Car Insurance Rates by Driver History

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

Annual Dunedin, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $7,678 $9,237 $10,241 $8,532
GEICO $3,280 $4,175 $6,185 $5,089
Liberty Mutual $4,229 $5,579 $8,236 $5,885
Nationwide $4,102 $4,508 $6,091 $4,562
Progressive $4,813 $7,084 $5,991 $6,430
State Farm $3,457 $4,122 $3,789 $3,789
USAA $2,513 $3,120 $4,641 $2,638

Dunedin, FL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Dunedin, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $10,241
GEICO $6,185
Liberty Mutual $8,236
Nationwide $6,091
Progressive $5,991
State Farm $3,789
USAA $4,641

Dunedin, FL Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Dunedin, Florida

ZIP Code Average Annual Rates
34683 $4,121
34698 $4,105

Dunedin, FL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Dunedin, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $8,665 $9,178
GEICO $4,659 $4,705
Liberty Mutual $5,784 $6,181
Nationwide $4,816 $4,816
Progressive $6,079 $6,079
State Farm $3,657 $3,921
USAA $3,191 $3,265

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Dunedin, FL Cheapest Car Insurance Rates

How do the top Dunedin, Florida car insurance companies’ average rates stack up against the Dunedin average monthly car insurance rates of $446? Take a look and see.

Best Annual Car Insurance Rates by Company in Dunedin, 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

Dunedin, FL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Dunedin, Florida

Insurance Company Average Annual Rates
Allstate $8,922
GEICO $4,682
Liberty Mutual $5,982
Nationwide $4,816
Progressive $6,079
State Farm $3,789
USAA $3,228

Other Factors Affecting Dunedin, FL Car Insurance Rates

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

Dunedin, FL Car Theft Rates

The car theft rate in Dunedin, FL will affect your car insurance rates. FBI data shows that the annual car theft rate for Dunedin, Florida is 32 stolen cars.

Dunedin, FL Commute Time

How does your Dunedin, FL commute time compare with the average driver? In Dunedin, the average commute is 24.8 minutes.

Dunedin, FL Traffic

Spending time in Dunedin traffic can lead to higher car insurance rates. According to INRIX data, Dunedin, FL ranks as the 177th-most congested with traffic in the world.

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Dunedin, FL Car Insurance Quotes

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