Affordable Car Insurance Rates in Live Oak, FL (2021)
Car insurance rates in Live Oak, FL are $310/month on average. By law, Florida drivers need to carry at least 10/20/10 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Live Oak car insurance companies to get the coverage you need at the best rates available.
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UPDATED: Apr 14, 2022
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- The annual number of car thefts in Live Oak is 6.
- The cheapest car insurance company in Live Oak for teen drivers is GEICO
- The cheapest car insurance company in Live Oak after a DUI is State Farm
Average car insurance rates in Live Oak, Florida are $310 a month. But with a little research you can get a great deal from the top car insurance companies in Live Oak, FL. Before you buy Live Oak, Florida car insurance, make sure your coverage meets or exceeds the Florida minimum of 10/20/10.
It may even be helpful to compare Live Oak car insurance rates with Tampa car insurance rates, Hialeah car insurance rates, or Orlando car insurance rates to make sure you’re getting the best Live Oak, FL car insurance quotes available.
Need affordable Live Oak, FL car insurance? Enter your ZIP code to compare Live Oak car insurance quotes from multiple car insurance companies near you.
Table of Contents
Live Oak, FL Minimum Car Insurance Coverage
Live Oak, Florida law requires drivers carry a minimum of 10/20/10 coverage. Take a look at the breakdown of the minimums here.
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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Live Oak, FL Car Insurance Rates by Coverage Level
Some Live Oak drivers can get by with the Florida minimum coverage of 10/20/10. Other drivers may need more. See how much your Live Oak, Florida car insurance rates may be based on the coverage you need.
Insurance Company | Low | Medium | High |
---|---|---|---|
Allstate | $4,560 | $5,924 | $6,534 |
GEICO | $2,568 | $3,153 | $3,460 |
Liberty Mutual | $4,047 | $4,431 | $4,630 |
Nationwide | $2,669 | $3,395 | $3,774 |
Progressive | $4,000 | $4,689 | $5,120 |
State Farm | $2,367 | $2,761 | $2,992 |
USAA | $2,083 | $2,445 | $2,584 |
Live Oak, FL Car Insurance Rates by Age, Gender, and Marital Status
Live Oak, Florida car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Live Oak, FL car insurance, get quotes from multiple car insurance companies in the Live Oak area and see how these criteria affect your 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 | $3,603 | $3,445 | $3,120 | $3,167 | $11,907 | $12,801 | $3,637 | $3,704 |
GEICO | $2,427 | $2,446 | $2,269 | $2,269 | $4,263 | $5,392 | $2,675 | $2,740 |
Liberty Mutual | $3,042 | $3,042 | $2,792 | $2,792 | $6,366 | $9,775 | $3,042 | $4,103 |
Nationwide | $2,302 | $2,284 | $2,057 | $2,134 | $5,480 | $6,791 | $2,533 | $2,652 |
Progressive | $3,093 | $2,943 | $2,665 | $2,858 | $8,493 | $9,366 | $3,749 | $3,660 |
State Farm | $1,719 | $1,719 | $1,546 | $1,546 | $4,900 | $6,272 | $1,898 | $2,054 |
USAA | $1,387 | $1,368 | $1,282 | $1,281 | $4,617 | $5,403 | $1,740 | $1,889 |
Live Oak, FL Car Insurance Rates for Teens
How much is Live Oak, Florida car insurance for teens? Compare rates from top Live Oak car insurance companies below to help find the cheapest teen car insurance in Live Oak, FL.
Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
---|---|---|
Allstate | $11,907 | $12,801 |
GEICO | $4,263 | $5,392 |
Liberty Mutual | $6,366 | $9,775 |
Nationwide | $5,480 | $6,791 |
Progressive | $8,493 | $9,366 |
State Farm | $4,900 | $6,272 |
USAA | $4,617 | $5,403 |
Live Oak, FL Car Insurance Rates for Seniors
Before seniors buy Live Oak, Florida car insurance, they should make sure to shop around. Some Live Oak, FL car insurance companies may offer discounts or other savings options for senior car insurance.
Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
---|---|---|
Allstate | $3,120 | $3,167 |
GEICO | $2,269 | $2,269 |
Liberty Mutual | $2,792 | $2,792 |
Nationwide | $2,057 | $2,134 |
Progressive | $2,665 | $2,858 |
State Farm | $1,546 | $1,546 |
USAA | $1,282 | $1,281 |
Live Oak, FL Car Insurance Rates by Credit History
How does your credit history affect Live Oak, FL car insurance rates? Review the numbers here to find out.
Insurance Company | Poor | Fair | Good |
---|---|---|---|
Allstate | $7,932 | $5,011 | $4,075 |
GEICO | $4,388 | $2,716 | $2,076 |
Liberty Mutual | $5,614 | $4,133 | $3,361 |
Nationwide | $4,095 | $3,013 | $2,729 |
Progressive | $6,021 | $4,252 | $3,536 |
State Farm | $3,653 | $2,441 | $2,026 |
USAA | $3,880 | $1,875 | $1,358 |
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Live Oak, FL Car Insurance Rates by Driver History
How does a single speeding ticket affect your Live Oak, Florida car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Live Oak.
Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
---|---|---|---|---|
Allstate | $4,925 | $5,856 | $6,471 | $5,440 |
GEICO | $2,180 | $2,742 | $4,004 | $3,315 |
Liberty Mutual | $3,189 | $4,102 | $5,883 | $4,304 |
Nationwide | $2,824 | $3,078 | $4,094 | $3,120 |
Progressive | $3,663 | $5,356 | $4,520 | $4,873 |
State Farm | $2,486 | $2,927 | $2,707 | $2,707 |
USAA | $1,875 | $2,293 | $3,354 | $1,961 |
Live Oak, FL Car Insurance Rates With a DUI
Even a single DUI can increase your Live Oak, FL car insurance rates. Compare rates below to see which Live Oak car insurance company has the best rates for drivers with a DUI.
Insurance Company | Annual Car Insurance Rates With a DUI |
---|---|
Allstate | $6,471 |
GEICO | $4,004 |
Liberty Mutual | $5,883 |
Nationwide | $4,094 |
Progressive | $4,520 |
State Farm | $2,707 |
USAA | $3,354 |
Live Oak, FL Car Insurance Rates by ZIP Code
Just like Live Oak car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Live Oak, FL car insurance rates fluctuate by ZIP code.
ZIP Code | Average Annual Rates |
---|---|
32060 | $2,875 |
32064 | $2,875 |
Live Oak, FL Car Insurance Rates by Commute
The more time you spend on your daily commute, the higher your Live Oak, FL car insurance rates may be. Let’s take a look at average car insurance rates from top Live Oak companies based on commute time.
Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
---|---|---|
Allstate | $5,509 | $5,836 |
GEICO | $3,045 | $3,076 |
Liberty Mutual | $4,230 | $4,509 |
Nationwide | $3,279 | $3,279 |
Progressive | $4,603 | $4,603 |
State Farm | $2,617 | $2,797 |
USAA | $2,344 | $2,398 |
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Live Oak, FL Cheapest Car Insurance Rates
How do the top Live Oak, Florida car insurance companies’ average rates stack up against the Live Oak average monthly car insurance rates of $310? Take a look and see.
Category | Insurance Company |
---|---|
Teenagers | GEICO |
Seniors | USAA |
Clean Record | USAA |
With 1 Accident | USAA |
With 1 DUI | State Farm |
With 1 Speeding Violation | USAA |
Live Oak, FL Top Car Insurance Companies
Car insurance is a competitive market. Here’s a look at the top Live Oak, Florida car insurance companies to help you find one that best fits your needs.
Insurance Company | Average Annual Rates |
---|---|
Allstate | $5,673 |
GEICO | $3,060 |
Liberty Mutual | $4,369 |
Nationwide | $3,279 |
Progressive | $4,603 |
State Farm | $2,707 |
USAA | $2,371 |
Other Factors Affecting Live Oak, FL Car Insurance Rates
Before you buy Live Oak, Florida car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.
Live Oak, FL Car Theft Rates
The car theft rate in Live Oak, FL will affect your car insurance rates. FBI data shows that the annual car theft rate for Live Oak, Florida is 6 stolen cars.
Live Oak, FL Commute Time
How does your Live Oak, FL commute time compare with the average driver? In Live Oak, the average commute is 21.5 minutes.
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Live Oak, FL Car Insurance Quotes
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