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 Port Charlotte, FL for senior drivers are $2,341/year
  • The cheapest car insurance company in Port Charlotte after a DUI is State Farm
  • The cheapest car insurance company in Port Charlotte for teen drivers is USAA

Average car insurance rates in Port Charlotte, Florida are $321 a month. But with a little research you can get a great deal from the top car insurance companies in Port Charlotte, FL. Before you buy Port Charlotte, Florida car insurance, make sure your coverage meets or exceeds the Florida minimum of 10/20/10.

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

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

Port Charlotte, FL Minimum Car Insurance Coverage

Port Charlotte, 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 Port Charlotte, 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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Port Charlotte, FL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Port Charlotte, Florida

Insurance Company Low Medium High
Allstate $4,812 $6,282 $6,935
GEICO $2,609 $3,281 $3,621
Liberty Mutual $4,030 $4,448 $4,677
Nationwide $2,824 $3,679 $4,128
Progressive $4,163 $5,080 $5,653
State Farm $2,282 $2,713 $2,962
USAA $1,925 $2,306 $2,452

Port Charlotte, FL Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Port Charlotte, 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 $3,756 $3,574 $3,257 $3,301 $12,831 $13,833 $3,741 $3,787
GEICO $2,498 $2,508 $2,338 $2,338 $4,485 $5,645 $2,753 $2,797
Liberty Mutual $3,065 $3,065 $2,816 $2,816 $6,369 $9,760 $3,065 $4,122
Nationwide $2,494 $2,463 $2,229 $2,306 $5,944 $7,318 $2,742 $2,853
Progressive $3,323 $3,137 $2,864 $3,060 $9,337 $10,184 $3,996 $3,823
State Farm $1,673 $1,673 $1,519 $1,519 $4,841 $6,149 $1,855 $1,988
USAA $1,294 $1,273 $1,210 $1,200 $4,394 $5,097 $1,613 $1,740

Port Charlotte, FL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Port Charlotte, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,831 $13,833
GEICO $4,485 $5,645
Liberty Mutual $6,369 $9,760
Nationwide $5,944 $7,318
Progressive $9,337 $10,184
State Farm $4,841 $6,149
USAA $4,394 $5,097

Port Charlotte, FL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Port Charlotte, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,257 $3,301
GEICO $2,338 $2,338
Liberty Mutual $2,816 $2,816
Nationwide $2,229 $2,306
Progressive $2,864 $3,060
State Farm $1,519 $1,519
USAA $1,210 $1,200

Port Charlotte, FL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Port Charlotte, Florida

Insurance Company Poor Fair Good
Allstate $8,384 $5,321 $4,325
GEICO $4,623 $2,793 $2,094
Liberty Mutual $5,623 $4,150 $3,382
Nationwide $4,429 $3,256 $2,946
Progressive $6,472 $4,593 $3,832
State Farm $3,621 $2,380 $1,955
USAA $3,617 $1,775 $1,292

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Port Charlotte, FL Car Insurance Rates by Driver History

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

Annual Port Charlotte, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,185 $6,209 $6,891 $5,754
GEICO $2,206 $2,822 $4,204 $3,450
Liberty Mutual $3,177 $4,108 $5,936 $4,318
Nationwide $3,033 $3,323 $4,455 $3,363
Progressive $3,923 $5,797 $4,882 $5,260
State Farm $2,426 $2,878 $2,652 $2,652
USAA $1,748 $2,154 $3,178 $1,832

Port Charlotte, FL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Port Charlotte, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,891
GEICO $4,204
Liberty Mutual $5,936
Nationwide $4,455
Progressive $4,882
State Farm $2,652
USAA $3,178

Port Charlotte, FL Car Insurance Rates by ZIP Code

Just like Port Charlotte car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Port Charlotte, FL car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Port Charlotte, Florida

ZIP Code Average Annual Rates
33948 $2,980
33953 $2,980
33954 $2,984
33981 $2,976

Port Charlotte, FL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Port Charlotte, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,840 $6,179
GEICO $3,155 $3,186
Liberty Mutual $4,246 $4,524
Nationwide $3,544 $3,544
Progressive $4,966 $4,966
State Farm $2,562 $2,742
USAA $2,203 $2,253

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Port Charlotte, FL Cheapest Car Insurance Rates

How do the top Port Charlotte, Florida car insurance companies’ average rates stack up against the Port Charlotte average monthly car insurance rates of $321? Take a look and see.

Best Annual Car Insurance Rates by Company in Port Charlotte, 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

Port Charlotte, FL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Port Charlotte, Florida

Insurance Company Average Annual Rates
Allstate $6,010
GEICO $3,170
Liberty Mutual $4,385
Nationwide $3,544
Progressive $4,966
State Farm $2,652
USAA $2,228

Other Factors Affecting Port Charlotte, FL Car Insurance Rates

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

Port Charlotte, FL Commute Time

How does your Port Charlotte, FL commute time compare with the average driver? In Port Charlotte, the average commute is 24.1 minutes.

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Port Charlotte, FL Car Insurance Quotes

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