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 Gulf Hammock, FL for senior drivers are $2,237/year
  • The cheapest car insurance company in Gulf Hammock after a DUI is State Farm
  • Average car insurance rates in Gulf Hammock, FL are $305/month

Average car insurance rates in Gulf Hammock, Florida are $305 a month. But with a little research you can get a great deal from the top car insurance companies in Gulf Hammock, FL. Before you buy Gulf Hammock, Florida car insurance, make sure your coverage meets or exceeds the Florida minimum of 10/20/10.

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

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

Gulf Hammock, FL Minimum Car Insurance Coverage

Gulf Hammock, 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 Gulf Hammock, 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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Gulf Hammock, FL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Gulf Hammock, Florida

Insurance Company Low Medium High
Allstate $4,496 $5,860 $6,470
GEICO $2,541 $3,150 $3,460
Liberty Mutual $4,034 $4,437 $4,658
Nationwide $2,669 $3,395 $3,774
Progressive $3,802 $4,557 $5,031
State Farm $2,142 $2,557 $2,799
USAA $2,083 $2,445 $2,584

Gulf Hammock, FL Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Gulf Hammock, 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 $3,551 $3,390 $3,079 $3,123 $11,824 $12,710 $3,567 $3,625
GEICO $2,413 $2,426 $2,260 $2,260 $4,283 $5,399 $2,657 $2,707
Liberty Mutual $3,059 $3,059 $2,811 $2,811 $6,359 $9,743 $3,059 $4,112
Nationwide $2,302 $2,284 $2,057 $2,134 $5,480 $6,791 $2,533 $2,652
Progressive $2,984 $2,834 $2,584 $2,764 $8,300 $9,140 $3,604 $3,497
State Farm $1,581 $1,581 $1,435 $1,435 $4,538 $5,795 $1,749 $1,880
USAA $1,387 $1,368 $1,282 $1,281 $4,617 $5,403 $1,740 $1,889

Gulf Hammock, FL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Gulf Hammock, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,824 $12,710
GEICO $4,283 $5,399
Liberty Mutual $6,359 $9,743
Nationwide $5,480 $6,791
Progressive $8,300 $9,140
State Farm $4,538 $5,795
USAA $4,617 $5,403

Gulf Hammock, FL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Gulf Hammock, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,079 $3,123
GEICO $2,260 $2,260
Liberty Mutual $2,811 $2,811
Nationwide $2,057 $2,134
Progressive $2,584 $2,764
State Farm $1,435 $1,435
USAA $1,282 $1,281

Gulf Hammock, FL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Gulf Hammock, Florida

Insurance Company Poor Fair Good
Allstate $7,838 $4,958 $4,030
GEICO $4,411 $2,698 $2,043
Liberty Mutual $5,612 $4,142 $3,376
Nationwide $4,095 $3,013 $2,729
Progressive $5,826 $4,122 $3,442
State Farm $3,393 $2,249 $1,856
USAA $3,880 $1,875 $1,358

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Gulf Hammock, FL Car Insurance Rates by Driver History

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

Annual Gulf Hammock, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,861 $5,792 $6,407 $5,376
GEICO $2,149 $2,725 $4,017 $3,312
Liberty Mutual $3,199 $4,109 $5,887 $4,312
Nationwide $2,824 $3,078 $4,094 $3,120
Progressive $3,537 $5,205 $4,385 $4,727
State Farm $2,291 $2,708 $2,499 $2,499
USAA $1,875 $2,293 $3,354 $1,961

Gulf Hammock, FL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Gulf Hammock, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,407
GEICO $4,017
Liberty Mutual $5,887
Nationwide $4,094
Progressive $4,385
State Farm $2,499
USAA $3,354

Gulf Hammock, FL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Gulf Hammock, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,449 $5,768
GEICO $3,036 $3,066
Liberty Mutual $4,238 $4,515
Nationwide $3,279 $3,279
Progressive $4,463 $4,463
State Farm $2,416 $2,582
USAA $2,344 $2,398

Gulf Hammock, FL Cheapest Car Insurance Rates

How do the top Gulf Hammock, Florida car insurance companies’ average rates stack up against the Gulf Hammock average monthly car insurance rates of $305? Take a look and see.

Best Annual Car Insurance Rates by Company in Gulf Hammock, 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

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Gulf Hammock, FL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Gulf Hammock, Florida

Insurance Company Average Annual Rates
Allstate $5,609
GEICO $3,051
Liberty Mutual $4,377
Nationwide $3,279
Progressive $4,463
State Farm $2,499
USAA $2,371

Gulf Hammock, FL Car Insurance Quotes

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