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 annual number of car thefts in Marco Island is 5.
  • The cheapest car insurance company in Marco Island after a DUI is State Farm
  • The cheapest car insurance company in Marco Island for teen drivers is USAA

Average car insurance rates in Marco Island, Florida are $315 a month. But with a little research you can get a great deal from the top car insurance companies in Marco Island, FL. Before you buy Marco Island, Florida car insurance, make sure your coverage meets or exceeds the Florida minimum of 10/20/10.

It may even be helpful to compare Marco Island car insurance rates with Orlando car insurance rates, Jacksonville car insurance rates, or Tampa car insurance rates to make sure you’re getting the best Marco Island, FL car insurance quotes available.

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

Marco Island, FL Minimum Car Insurance Coverage

Marco Island, 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 Marco Island, 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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Marco Island, FL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Marco Island, Florida

Insurance Company Low Medium High
Allstate $4,848 $6,315 $6,967
GEICO $2,552 $3,181 $3,494
Liberty Mutual $3,601 $3,959 $4,164
Nationwide $2,996 $3,860 $4,314
Progressive $4,042 $4,893 $5,425
State Farm $2,414 $2,856 $3,110
USAA $1,872 $2,226 $2,361

Marco Island, FL Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Marco Island, 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 $3,808 $3,597 $3,295 $3,326 $12,934 $13,883 $3,741 $3,764
GEICO $2,426 $2,441 $2,269 $2,269 $4,329 $5,466 $2,677 $2,729
Liberty Mutual $2,757 $2,757 $2,540 $2,540 $5,639 $8,597 $2,757 $3,678
Nationwide $2,619 $2,579 $2,337 $2,417 $6,275 $7,697 $2,878 $2,983
Progressive $3,208 $3,039 $2,768 $2,957 $8,951 $9,783 $3,870 $3,717
State Farm $1,767 $1,767 $1,603 $1,603 $5,108 $6,445 $1,961 $2,092
USAA $1,247 $1,225 $1,163 $1,153 $4,254 $4,956 $1,553 $1,675

Marco Island, FL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Marco Island, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,934 $13,883
GEICO $4,329 $5,466
Liberty Mutual $5,639 $8,597
Nationwide $6,275 $7,697
Progressive $8,951 $9,783
State Farm $5,108 $6,445
USAA $4,254 $4,956

Marco Island, FL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Marco Island, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,295 $3,326
GEICO $2,269 $2,269
Liberty Mutual $2,540 $2,540
Nationwide $2,337 $2,417
Progressive $2,768 $2,957
State Farm $1,603 $1,603
USAA $1,163 $1,153

Marco Island, FL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Marco Island, Florida

Insurance Company Poor Fair Good
Allstate $8,446 $5,349 $4,336
GEICO $4,461 $2,716 $2,050
Liberty Mutual $4,988 $3,703 $3,033
Nationwide $4,665 $3,417 $3,087
Progressive $6,248 $4,424 $3,688
State Farm $3,827 $2,503 $2,050
USAA $3,490 $1,717 $1,253

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Marco Island, FL Car Insurance Rates by Driver History

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

Annual Marco Island, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,211 $6,256 $6,925 $5,782
GEICO $2,157 $2,744 $4,060 $3,342
Liberty Mutual $2,857 $3,667 $5,258 $3,850
Nationwide $3,175 $3,488 $4,702 $3,528
Progressive $3,789 $5,582 $4,706 $5,069
State Farm $2,552 $3,034 $2,793 $2,793
USAA $1,684 $2,080 $3,083 $1,766

Marco Island, FL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Marco Island, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,925
GEICO $4,060
Liberty Mutual $5,258
Nationwide $4,702
Progressive $4,706
State Farm $2,793
USAA $3,083

Marco Island, FL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Marco Island, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,875 $6,212
GEICO $3,060 $3,091
Liberty Mutual $3,787 $4,029
Nationwide $3,723 $3,723
Progressive $4,787 $4,787
State Farm $2,697 $2,890
USAA $2,129 $2,177

Marco Island, FL Cheapest Car Insurance Rates

How do the top Marco Island, Florida car insurance companies’ average rates stack up against the Marco Island average monthly car insurance rates of $315? Take a look and see.

Best Annual Car Insurance Rates by Company in Marco Island, 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

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Marco Island, FL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Marco Island, Florida

Insurance Company Average Annual Rates
Allstate $6,043
GEICO $3,076
Liberty Mutual $3,908
Nationwide $3,723
Progressive $4,787
State Farm $2,793
USAA $2,153

Other Factors Affecting Marco Island, FL Car Insurance Rates

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

Marco Island, FL Car Theft Rates

The car theft rate in Marco Island, FL will affect your car insurance rates. FBI data shows that the annual car theft rate for Marco Island, Florida is 5 stolen cars.

Marco Island, FL Commute Time

How does your Marco Island, FL commute time compare with the average driver? In Marco Island, the average commute is 21.2 minutes.

Marco Island, FL Car Insurance Quotes

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