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 cheapest car insurance company in Sarasota for teen drivers is GEICO
  • Average car insurance rates in Sarasota, FL are $342/month
  • The annual number of car thefts in Sarasota is 134.

Average car insurance rates in Sarasota, Florida are $342 a month. But with a little research you can get a great deal from the top car insurance companies in Sarasota, FL. Before you buy Sarasota, Florida car insurance, make sure your coverage meets or exceeds the Florida minimum of 10/20/10.

It may even be helpful to compare Sarasota car insurance rates with Port St. Lucie car insurance rates, Miami car insurance rates, or Tampa car insurance rates to make sure you’re getting the best Sarasota, FL car insurance quotes available.

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

Sarasota, FL Minimum Car Insurance Coverage

Sarasota, 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 Sarasota, 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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Sarasota, FL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Sarasota, Florida

Insurance Company Low Medium High
Allstate $5,061 $6,555 $7,224
GEICO $2,847 $3,605 $3,993
Liberty Mutual $4,234 $4,679 $4,917
Nationwide $2,936 $3,798 $4,250
Progressive $4,280 $5,194 $5,760
State Farm $2,435 $2,916 $3,191
USAA $2,412 $2,898 $3,083

Sarasota, FL Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Sarasota, 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 $3,925 $3,743 $3,404 $3,455 $13,359 $14,429 $3,935 $3,991
GEICO $2,741 $2,750 $2,566 $2,566 $4,943 $6,205 $3,022 $3,060
Liberty Mutual $3,211 $3,211 $2,948 $2,948 $6,713 $10,307 $3,211 $4,332
Nationwide $2,559 $2,531 $2,286 $2,366 $6,169 $7,619 $2,820 $2,942
Progressive $3,380 $3,190 $2,915 $3,111 $9,607 $10,466 $4,064 $3,890
State Farm $1,780 $1,780 $1,618 $1,618 $5,226 $6,658 $1,977 $2,121
USAA $1,609 $1,580 $1,505 $1,490 $5,562 $6,460 $2,008 $2,164

Sarasota, FL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Sarasota, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,359 $14,429
GEICO $4,943 $6,205
Liberty Mutual $6,713 $10,307
Nationwide $6,169 $7,619
Progressive $9,607 $10,466
State Farm $5,226 $6,658
USAA $5,562 $6,460

Sarasota, FL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Sarasota, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,404 $3,455
GEICO $2,566 $2,566
Liberty Mutual $2,948 $2,948
Nationwide $2,286 $2,366
Progressive $2,915 $3,111
State Farm $1,618 $1,618
USAA $1,505 $1,490

Sarasota, FL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Sarasota, Florida

Insurance Company Poor Fair Good
Allstate $8,754 $5,562 $4,525
GEICO $5,099 $3,062 $2,284
Liberty Mutual $5,922 $4,361 $3,547
Nationwide $4,572 $3,365 $3,048
Progressive $6,605 $4,700 $3,929
State Farm $3,902 $2,551 $2,089
USAA $4,540 $2,230 $1,622

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Sarasota, FL Car Insurance Rates by Driver History

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

Annual Sarasota, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,425 $6,481 $7,198 $6,016
GEICO $2,407 $3,093 $4,634 $3,793
Liberty Mutual $3,324 $4,315 $6,263 $4,539
Nationwide $3,133 $3,430 $4,607 $3,476
Progressive $3,997 $5,940 $4,990 $5,384
State Farm $2,601 $3,093 $2,847 $2,847
USAA $2,181 $2,702 $4,018 $2,289

Sarasota, FL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Sarasota, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,198
GEICO $4,634
Liberty Mutual $6,263
Nationwide $4,607
Progressive $4,990
State Farm $2,847
USAA $4,018

Sarasota, FL Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Sarasota, Florida

ZIP Code Average Annual Rates
34236 $3,135
34237 $3,179
34238 $3,139
34239 $3,144
34240 $3,220
34241 $3,084
34242 $3,107
34243 $3,225

Sarasota, FL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Sarasota, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,100 $6,461
GEICO $3,465 $3,499
Liberty Mutual $4,463 $4,757
Nationwide $3,662 $3,662
Progressive $5,078 $5,078
State Farm $2,751 $2,944
USAA $2,766 $2,829

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Sarasota, FL Cheapest Car Insurance Rates

How do the top Sarasota, Florida car insurance companies’ average rates stack up against the Sarasota average monthly car insurance rates of $342? Take a look and see.

Best Annual Car Insurance Rates by Company in Sarasota, 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

Sarasota, FL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Sarasota, Florida

Insurance Company Average Annual Rates
Allstate $6,280
GEICO $3,482
Liberty Mutual $4,610
Nationwide $3,662
Progressive $5,078
State Farm $2,847
USAA $2,797

Other Factors Affecting Sarasota, FL Car Insurance Rates

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

Sarasota, FL Car Theft Rates

The car theft rate in Sarasota, FL will affect your car insurance rates. FBI data shows that the annual car theft rate for Sarasota, Florida is 134 stolen cars.

Sarasota, FL Commute Time

How does your Sarasota, FL commute time compare with the average driver? In Sarasota, the average commute is 24.4 minutes.

Sarasota, FL Traffic

Spending time in Sarasota traffic can lead to higher car insurance rates. According to INRIX data, Sarasota, FL ranks as the 173rd-most congested with traffic in the world.

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Sarasota, FL Car Insurance Quotes

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