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 New Smyrna Beach is 60.
  • The cheapest car insurance company in New Smyrna Beach after a DUI is State Farm
  • Average car insurance rates in New Smyrna Beach, FL are $329/month

Average car insurance rates in New Smyrna Beach, Florida are $329 a month. But with a little research you can get a great deal from the top car insurance companies in New Smyrna Beach, FL. Before you buy New Smyrna Beach, Florida car insurance, make sure your coverage meets or exceeds the Florida minimum of 10/20/10.

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

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

New Smyrna Beach, FL Minimum Car Insurance Coverage

New Smyrna Beach, 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 New Smyrna Beach, 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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New Smyrna Beach, FL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in New Smyrna Beach, Florida

Insurance Company Low Medium High
Allstate $4,934 $6,790 $7,616
GEICO $2,644 $3,345 $3,713
Liberty Mutual $4,290 $4,787 $5,054
Nationwide $2,745 $3,612 $4,067
Progressive $3,955 $4,862 $5,430
State Farm $2,172 $2,609 $2,860
USAA $2,103 $2,526 $2,686

New Smyrna Beach, FL Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in New Smyrna Beach, 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 $3,917 $3,784 $3,435 $3,509 $13,809 $15,126 $3,956 $4,036
GEICO $2,563 $2,577 $2,397 $2,397 $4,544 $5,703 $2,823 $2,870
Liberty Mutual $3,276 $3,276 $3,006 $3,006 $6,868 $10,554 $3,276 $4,425
Nationwide $2,447 $2,417 $2,190 $2,264 $5,823 $7,167 $2,690 $2,799
Progressive $3,204 $3,024 $2,763 $2,949 $8,890 $9,662 $3,842 $3,657
State Farm $1,607 $1,607 $1,461 $1,461 $4,636 $5,914 $1,780 $1,909
USAA $1,411 $1,386 $1,319 $1,307 $4,823 $5,602 $1,760 $1,899

New Smyrna Beach, FL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in New Smyrna Beach, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,809 $15,126
GEICO $4,544 $5,703
Liberty Mutual $6,868 $10,554
Nationwide $5,823 $7,167
Progressive $8,890 $9,662
State Farm $4,636 $5,914
USAA $4,823 $5,602

New Smyrna Beach, FL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in New Smyrna Beach, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,435 $3,509
GEICO $2,397 $2,397
Liberty Mutual $3,006 $3,006
Nationwide $2,190 $2,264
Progressive $2,763 $2,949
State Farm $1,461 $1,461
USAA $1,319 $1,307

New Smyrna Beach, FL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in New Smyrna Beach, Florida

Insurance Company Poor Fair Good
Allstate $8,982 $5,708 $4,649
GEICO $4,685 $2,858 $2,160
Liberty Mutual $6,055 $4,456 $3,621
Nationwide $4,338 $3,194 $2,892
Progressive $6,207 $4,387 $3,653
State Farm $3,469 $2,288 $1,884
USAA $3,955 $1,944 $1,416

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New Smyrna Beach, FL Car Insurance Rates by Driver History

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

Annual New Smyrna Beach, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,551 $6,642 $7,419 $6,174
GEICO $2,270 $2,885 $4,268 $3,514
Liberty Mutual $3,404 $4,412 $6,389 $4,638
Nationwide $2,975 $3,258 $4,367 $3,298
Progressive $3,766 $5,531 $4,673 $5,025
State Farm $2,332 $2,762 $2,547 $2,547
USAA $1,908 $2,356 $3,487 $2,001

New Smyrna Beach, FL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in New Smyrna Beach, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,419
GEICO $4,268
Liberty Mutual $6,389
Nationwide $4,367
Progressive $4,673
State Farm $2,547
USAA $3,487

New Smyrna Beach, FL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in New Smyrna Beach, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,262 $6,631
GEICO $3,218 $3,250
Liberty Mutual $4,560 $4,861
Nationwide $3,475 $3,475
Progressive $4,749 $4,749
State Farm $2,462 $2,632
USAA $2,411 $2,466

New Smyrna Beach, FL Cheapest Car Insurance Rates

How do the top New Smyrna Beach, Florida car insurance companies’ average rates stack up against the New Smyrna Beach average monthly car insurance rates of $329? Take a look and see.

Best Annual Car Insurance Rates by Company in New Smyrna Beach, 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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New Smyrna Beach, FL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in New Smyrna Beach, Florida

Insurance Company Average Annual Rates
Allstate $6,447
GEICO $3,234
Liberty Mutual $4,711
Nationwide $3,475
Progressive $4,749
State Farm $2,547
USAA $2,438

Other Factors Affecting New Smyrna Beach, FL Car Insurance Rates

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

New Smyrna Beach, FL Car Theft Rates

The car theft rate in New Smyrna Beach, FL will affect your car insurance rates. FBI data shows that the annual car theft rate for New Smyrna Beach, Florida is 60 stolen cars.

New Smyrna Beach, FL Commute Time

How does your New Smyrna Beach, FL commute time compare with the average driver? In New Smyrna Beach, the average commute is 25.7 minutes.

New Smyrna Beach, FL Car Insurance Quotes

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