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 Waldo after a DUI is State Farm
  • Average car insurance rates in Waldo, FL for senior drivers are $2,126/year
  • The cheapest car insurance company in Waldo for teen drivers is USAA

Average car insurance rates in Waldo, Florida are $290 a month. But with a little research you can get a great deal from the top car insurance companies in Waldo, FL. Before you buy Waldo, Florida car insurance, make sure your coverage meets or exceeds the Florida minimum of 10/20/10.

It may even be helpful to compare Waldo car insurance rates with Hialeah car insurance rates, Tallahassee car insurance rates, or Tampa car insurance rates to make sure you’re getting the best Waldo, FL car insurance quotes available.

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

Waldo, FL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Waldo, Florida

Insurance Company Low Medium High
Allstate $4,526 $5,890 $6,500
GEICO $2,456 $3,041 $3,337
Liberty Mutual $3,571 $3,959 $4,179
Nationwide $2,538 $3,309 $3,712
Progressive $3,313 $3,965 $4,368
State Farm $2,290 $2,748 $3,018
USAA $1,865 $2,198 $2,325

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Waldo, 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 $3,386 $3,073 $3,123 $11,921 $12,870 $3,568 $3,631
GEICO $2,317 $2,325 $2,173 $2,173 $4,174 $5,253 $2,553 $2,589
Liberty Mutual $2,753 $2,753 $2,536 $2,536 $5,633 $8,588 $2,753 $3,673
Nationwide $2,242 $2,222 $2,009 $2,079 $5,323 $6,575 $2,466 $2,576
Progressive $2,607 $2,481 $2,275 $2,421 $7,202 $7,902 $3,128 $3,041
State Farm $1,685 $1,685 $1,533 $1,533 $4,897 $6,274 $1,863 $2,012
USAA $1,237 $1,217 $1,152 $1,144 $4,186 $4,885 $1,543 $1,667

Waldo, FL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Waldo, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,921 $12,870
GEICO $4,174 $5,253
Liberty Mutual $5,633 $8,588
Nationwide $5,323 $6,575
Progressive $7,202 $7,902
State Farm $4,897 $6,274
USAA $4,186 $4,885

Waldo, FL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Waldo, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,073 $3,123
GEICO $2,173 $2,173
Liberty Mutual $2,536 $2,536
Nationwide $2,009 $2,079
Progressive $2,275 $2,421
State Farm $1,533 $1,533
USAA $1,152 $1,144

Waldo, FL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Waldo, Florida

Insurance Company Poor Fair Good
Allstate $7,863 $4,990 $4,064
GEICO $4,301 $2,593 $1,941
Liberty Mutual $4,981 $3,699 $3,030
Nationwide $3,965 $2,933 $2,662
Progressive $5,071 $3,580 $2,996
State Farm $3,654 $2,413 $1,988
USAA $3,453 $1,696 $1,238

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Waldo, FL Car Insurance Rates by Driver History

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

Annual Waldo, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,881 $5,816 $6,453 $5,405
GEICO $2,046 $2,620 $3,908 $3,205
Liberty Mutual $2,878 $3,670 $5,218 $3,847
Nationwide $2,738 $2,989 $3,989 $3,029
Progressive $3,094 $4,514 $3,814 $4,107
State Farm $2,459 $2,911 $2,685 $2,685
USAA $1,669 $2,057 $3,041 $1,749

Waldo, FL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Waldo, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,453
GEICO $3,908
Liberty Mutual $5,218
Nationwide $3,989
Progressive $3,814
State Farm $2,685
USAA $3,041

Waldo, FL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Waldo, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,478 $5,800
GEICO $2,930 $2,959
Liberty Mutual $3,782 $4,024
Nationwide $3,186 $3,186
Progressive $3,882 $3,882
State Farm $2,598 $2,773
USAA $2,105 $2,153

Waldo, FL Cheapest Car Insurance Rates

How do the top Waldo, Florida car insurance companies’ average rates stack up against the Waldo average monthly car insurance rates of $290? Take a look and see.

Best Annual Car Insurance Rates by Company in Waldo, 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

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Waldo, FL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Waldo, Florida

Insurance Company Average Annual Rates
Allstate $5,639
GEICO $2,945
Liberty Mutual $3,903
Nationwide $3,186
Progressive $3,882
State Farm $2,685
USAA $2,129

Other Factors Affecting Waldo, FL Car Insurance Rates

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

Waldo, FL Commute Time

How does your Waldo, FL commute time compare with the average driver? In Waldo, the average commute is 34.4 minutes.

Waldo, FL Car Insurance Quotes

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