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 Wesley Chapel, FL for senior drivers are $3,130/year
  • The cheapest car insurance company in Wesley Chapel after a DUI is State Farm
  • The cheapest car insurance company in Wesley Chapel for teen drivers is GEICO

Average car insurance rates in Wesley Chapel, Florida are $434 a month. But with a little research you can get a great deal from the top car insurance companies in Wesley Chapel, FL. Before you buy Wesley Chapel, Florida car insurance, make sure your coverage meets or exceeds the Florida minimum of 10/20/10.

It may even be helpful to compare Wesley Chapel car insurance rates with Tampa car insurance rates, Orlando car insurance rates, or Jacksonville car insurance rates to make sure you’re getting the best Wesley Chapel, FL car insurance quotes available.

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

Wesley Chapel, FL Minimum Car Insurance Coverage

Wesley Chapel, 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 Wesley Chapel, 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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Wesley Chapel, FL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Wesley Chapel, Florida

Insurance Company Low Medium High
Allstate $6,410 $9,093 $10,294
GEICO $3,306 $4,264 $4,774
Liberty Mutual $5,521 $6,169 $6,489
Nationwide $3,747 $5,071 $5,770
Progressive $4,882 $6,060 $6,799
State Farm $3,239 $3,948 $4,343
USAA $2,621 $3,223 $3,451

Wesley Chapel, FL Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Wesley Chapel, 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 $5,243 $5,032 $4,597 $4,678 $18,520 $20,253 $5,200 $5,271
GEICO $3,280 $3,296 $3,068 $3,068 $5,769 $7,181 $3,606 $3,652
Liberty Mutual $4,150 $4,150 $3,790 $3,790 $8,929 $13,837 $4,150 $5,682
Nationwide $3,388 $3,344 $3,020 $3,125 $8,239 $10,157 $3,737 $3,891
Progressive $3,963 $3,718 $3,386 $3,631 $11,187 $12,154 $4,762 $4,509
State Farm $2,390 $2,390 $2,165 $2,165 $7,070 $9,050 $2,666 $2,847
USAA $1,786 $1,756 $1,677 $1,660 $6,160 $7,111 $2,231 $2,404

Wesley Chapel, FL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Wesley Chapel, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $18,520 $20,253
GEICO $5,769 $7,181
Liberty Mutual $8,929 $13,837
Nationwide $8,239 $10,157
Progressive $11,187 $12,154
State Farm $7,070 $9,050
USAA $6,160 $7,111

Wesley Chapel, FL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Wesley Chapel, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,597 $4,678
GEICO $3,068 $3,068
Liberty Mutual $3,790 $3,790
Nationwide $3,020 $3,125
Progressive $3,386 $3,631
State Farm $2,165 $2,165
USAA $1,677 $1,660

Wesley Chapel, FL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Wesley Chapel, Florida

Insurance Company Poor Fair Good
Allstate $12,040 $7,606 $6,152
GEICO $5,956 $3,637 $2,752
Liberty Mutual $7,849 $5,721 $4,609
Nationwide $6,089 $4,464 $4,035
Progressive $7,703 $5,480 $4,558
State Farm $5,273 $3,442 $2,814
USAA $5,038 $2,467 $1,789

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Wesley Chapel, FL Car Insurance Rates by Driver History

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

Annual Wesley Chapel, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $7,391 $8,883 $9,897 $8,226
GEICO $2,887 $3,671 $5,431 $4,471
Liberty Mutual $4,282 $5,650 $8,346 $5,961
Nationwide $4,139 $4,550 $6,155 $4,606
Progressive $4,664 $6,908 $5,818 $6,266
State Farm $3,509 $4,177 $3,843 $3,843
USAA $2,425 $2,997 $4,428 $2,543

Wesley Chapel, FL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Wesley Chapel, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $9,897
GEICO $5,431
Liberty Mutual $8,346
Nationwide $6,155
Progressive $5,818
State Farm $3,843
USAA $4,428

Wesley Chapel, FL Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Wesley Chapel, Florida

ZIP Code Average Annual Rates
33543 $4,053
33544 $3,984
33545 $3,946

Wesley Chapel, FL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Wesley Chapel, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $8,351 $8,847
GEICO $4,095 $4,135
Liberty Mutual $5,859 $6,261
Nationwide $4,863 $4,863
Progressive $5,914 $5,914
State Farm $3,708 $3,978
USAA $3,063 $3,134

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Wesley Chapel, FL Cheapest Car Insurance Rates

How do the top Wesley Chapel, Florida car insurance companies’ average rates stack up against the Wesley Chapel average monthly car insurance rates of $434? Take a look and see.

Best Annual Car Insurance Rates by Company in Wesley Chapel, 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

Wesley Chapel, FL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Wesley Chapel, Florida

Insurance Company Average Annual Rates
Allstate $8,599
GEICO $4,115
Liberty Mutual $6,060
Nationwide $4,863
Progressive $5,914
State Farm $3,843
USAA $3,098

Other Factors Affecting Wesley Chapel, FL Car Insurance Rates

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

Wesley Chapel, FL Commute Time

How does your Wesley Chapel, FL commute time compare with the average driver? In Wesley Chapel, the average commute is 33.1 minutes.

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Wesley Chapel, FL Car Insurance Quotes

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