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 The Villages after a DUI is State Farm
  • Average car insurance rates in The Villages, FL for senior drivers are $2,301/year
  • The cheapest car insurance company in The Villages for teen drivers is GEICO

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

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

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

The Villages, FL Minimum Car Insurance Coverage

The Villages, 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 The Villages, 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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The Villages, FL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in The Villages, Florida

Insurance Company Low Medium High
Allstate $4,399 $6,076 $6,828
GEICO $2,536 $3,181 $3,509
Liberty Mutual $3,935 $4,330 $4,547
Nationwide $2,664 $3,501 $3,939
Progressive $4,344 $5,173 $5,689
State Farm $2,142 $2,557 $2,799
USAA $2,086 $2,481 $2,631

The Villages, FL Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in The Villages, 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 $3,537 $3,429 $3,111 $3,182 $12,226 $13,397 $3,591 $3,670
GEICO $2,435 $2,446 $2,280 $2,280 $4,328 $5,431 $2,680 $2,722
Liberty Mutual $2,991 $2,991 $2,750 $2,750 $6,195 $9,482 $2,991 $4,016
Nationwide $2,381 $2,352 $2,133 $2,204 $5,626 $6,916 $2,614 $2,719
Progressive $3,419 $3,227 $2,932 $3,139 $9,473 $10,317 $4,110 $3,930
State Farm $1,581 $1,581 $1,435 $1,435 $4,538 $5,795 $1,749 $1,880
USAA $1,392 $1,369 $1,297 $1,288 $4,728 $5,502 $1,739 $1,879

The Villages, FL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in The Villages, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,226 $13,397
GEICO $4,328 $5,431
Liberty Mutual $6,195 $9,482
Nationwide $5,626 $6,916
Progressive $9,473 $10,317
State Farm $4,538 $5,795
USAA $4,728 $5,502

The Villages, FL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in The Villages, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,111 $3,182
GEICO $2,280 $2,280
Liberty Mutual $2,750 $2,750
Nationwide $2,133 $2,204
Progressive $2,932 $3,139
State Farm $1,435 $1,435
USAA $1,297 $1,288

The Villages, FL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in The Villages, Florida

Insurance Company Poor Fair Good
Allstate $8,042 $5,104 $4,158
GEICO $4,462 $2,715 $2,048
Liberty Mutual $5,471 $4,043 $3,298
Nationwide $4,204 $3,097 $2,804
Progressive $6,629 $4,684 $3,893
State Farm $3,393 $2,249 $1,856
USAA $3,909 $1,906 $1,383

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The Villages, FL Car Insurance Rates by Driver History

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

Annual The Villages, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,984 $5,936 $6,621 $5,530
GEICO $2,154 $2,742 $4,063 $3,342
Liberty Mutual $3,109 $4,005 $5,763 $4,207
Nationwide $2,887 $3,160 $4,227 $3,198
Progressive $4,000 $5,919 $4,982 $5,373
State Farm $2,291 $2,708 $2,499 $2,499
USAA $1,883 $2,319 $3,421 $1,973

The Villages, FL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in The Villages, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,621
GEICO $4,063
Liberty Mutual $5,763
Nationwide $4,227
Progressive $4,982
State Farm $2,499
USAA $3,421

The Villages, FL Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in The Villages, Florida

ZIP Code Average Annual Rates
32162 $2,850
32163 $2,984

The Villages, FL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in The Villages, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,602 $5,934
GEICO $3,060 $3,090
Liberty Mutual $4,136 $4,405
Nationwide $3,368 $3,368
Progressive $5,068 $5,068
State Farm $2,416 $2,582
USAA $2,372 $2,426

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The Villages, FL Cheapest Car Insurance Rates

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

Best Annual Car Insurance Rates by Company in The Villages, 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

The Villages, FL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in The Villages, Florida

Insurance Company Average Annual Rates
Allstate $5,768
GEICO $3,075
Liberty Mutual $4,271
Nationwide $3,368
Progressive $5,068
State Farm $2,499
USAA $2,399

Other Factors Affecting The Villages, FL Car Insurance Rates

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

The Villages, FL Commute Time

How does your The Villages, FL commute time compare with the average driver? In The Villages, the average commute is 24.5 minutes.

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The Villages, FL Car Insurance Quotes

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