Affordable Car Insurance Rates in The Villages, FL (2021)
Car insurance rates in The Villages, FL are $315/month on average. By law, Florida drivers need to carry at least 10/20/10 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple The Villages car insurance companies to get the coverage you need at the best rates available.
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Written by
Leslie Kasperowicz
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Reviewed by
Melanie Musson
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UPDATED: Apr 14, 2022
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- 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.
Table of Contents
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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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
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