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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

Advertiser Disclosure

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 provider and cannot guarantee quotes from any single provider.

Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page 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 car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

Just What's Essential

  • The cheapest car insurance company in Longboat Key after a DUI is State Farm
  • Average car insurance rates in Longboat Key, FL are $348/month
  • The cheapest car insurance company in Longboat Key for teen drivers is GEICO

Average car insurance rates in Longboat Key, Florida are $348 a month. But with a little research you can get a great deal from the top car insurance companies in Longboat Key, FL. Before you buy Longboat Key, Florida car insurance, make sure your coverage meets or exceeds the Florida minimum of 10/20/10.

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

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

Longboat Key, FL Minimum Car Insurance Coverage

Longboat Key, 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 Longboat Key, 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

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Longboat Key, FL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Longboat Key, Florida

Insurance Company Low Medium High
Allstate $5,167 $6,634 $7,285
GEICO $2,931 $3,697 $4,087
Liberty Mutual $4,234 $4,679 $4,917
Nationwide $3,336 $4,425 $4,999
Progressive $4,083 $4,917 $5,432
State Farm $2,389 $2,858 $3,126
USAA $2,423 $2,915 $3,103

Longboat Key, FL Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Longboat Key, 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 $3,948 $3,763 $3,419 $3,472 $13,600 $14,724 $3,958 $4,012
GEICO $2,816 $2,831 $2,632 $2,632 $5,046 $6,352 $3,107 $3,159
Liberty Mutual $3,211 $3,211 $2,948 $2,948 $6,713 $10,307 $3,211 $4,332
Nationwide $2,966 $2,928 $2,644 $2,736 $7,197 $8,877 $3,271 $3,407
Progressive $3,230 $3,050 $2,784 $2,972 $9,035 $9,830 $3,874 $3,710
State Farm $1,741 $1,741 $1,583 $1,583 $5,128 $6,537 $1,934 $2,078
USAA $1,620 $1,591 $1,515 $1,501 $5,588 $6,492 $2,022 $2,181

Longboat Key, FL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Longboat Key, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,600 $14,724
GEICO $5,046 $6,352
Liberty Mutual $6,713 $10,307
Nationwide $7,197 $8,877
Progressive $9,035 $9,830
State Farm $5,128 $6,537
USAA $5,588 $6,492

Longboat Key, FL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Longboat Key, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,419 $3,472
GEICO $2,632 $2,632
Liberty Mutual $2,948 $2,948
Nationwide $2,644 $2,736
Progressive $2,784 $2,972
State Farm $1,583 $1,583
USAA $1,515 $1,501

Longboat Key, FL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Longboat Key, Florida

Insurance Company Poor Fair Good
Allstate $8,852 $5,639 $4,595
GEICO $5,204 $3,148 $2,364
Liberty Mutual $5,922 $4,361 $3,547
Nationwide $5,318 $3,906 $3,535
Progressive $6,276 $4,447 $3,709
State Farm $3,827 $2,500 $2,045
USAA $4,567 $2,243 $1,632

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Longboat Key, FL Car Insurance Rates by Driver History

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

Annual Longboat Key, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,487 $6,564 $7,304 $6,093
GEICO $2,488 $3,180 $4,734 $3,886
Liberty Mutual $3,324 $4,315 $6,263 $4,539
Nationwide $3,625 $3,981 $5,376 $4,031
Progressive $3,805 $5,613 $4,728 $5,097
State Farm $2,549 $3,032 $2,791 $2,791
USAA $2,196 $2,718 $4,038 $2,304

Longboat Key, FL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Longboat Key, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,304
GEICO $4,734
Liberty Mutual $6,263
Nationwide $5,376
Progressive $4,728
State Farm $2,791
USAA $4,038

Longboat Key, FL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Longboat Key, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,179 $6,545
GEICO $3,554 $3,590
Liberty Mutual $4,463 $4,757
Nationwide $4,253 $4,253
Progressive $4,811 $4,811
State Farm $2,696 $2,885
USAA $2,782 $2,846

Longboat Key, FL Cheapest Car Insurance Rates

How do the top Longboat Key, Florida car insurance companies’ average rates stack up against the Longboat Key average monthly car insurance rates of $348? Take a look and see.

Best Annual Car Insurance Rates by Company in Longboat Key, 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

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Longboat Key, FL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Longboat Key, Florida

Insurance Company Average Annual Rates
Allstate $6,362
GEICO $3,572
Liberty Mutual $4,610
Nationwide $4,253
Progressive $4,811
State Farm $2,791
USAA $2,814

Other Factors Affecting Longboat Key, FL Car Insurance Rates

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

Longboat Key, FL Commute Time

How does your Longboat Key, FL commute time compare with the average driver? In Longboat Key, the average commute is 28.4 minutes.

Longboat Key, FL Car Insurance Quotes

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