Cheap Quotes for Big Pine Key, FL Car Insurance (2021)

Big Pine Key, Florida car insurance rates average $377 a month and Florida law requires coverage of at least 10/20/10. By comparing rates from multiple Big Pine Key, FL companies, you can find cheap Big Pine Key car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Apr 15, 2022

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Things to Know

  • Average car insurance rates in Big Pine Key, FL are $377/month
  • Average car insurance rates in Big Pine Key, FL after a DUI are $5,408/year
  • The cheapest car insurance company in Big Pine Key is USAA

How do the Big Pine Key, Florida monthly average car insurance rates of $377/month compare to nearby cities like Port St. Lucie car insurance rates, Fort Lauderdale car insurance rates, and St. Petersburg car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Big Pine Key, FL.

We’ll cover the Florida minimum coverage requirements, Florida car insurance laws, and Big Pine Key, FL statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Big Pine Key, Florida companies to find the most affordable Big Pine Key car insurance rates.

Enter your ZIP code above to find cheap Big Pine Key, FL car insurance quotes today.

What are the minimum Big Pine Key, FL car insurance requirements?

To meet Florida minimum car insurance coverage requirements, Big Pine Key, FL drivers need to carry at least 10/20/10 coverage.

Minimum Required Car Insurance Coverage in Big Pine Key, 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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How do age, gender, and marital status affect Big Pine Key, FL car insurance rates?

Three of the criteria that most affect car insurance rates in Big Pine Key, Florida are age, gender, and marital status. Let’s take a look at how each of these stack up with top Big Pine Key car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Big Pine Key, 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 $4,284 $4,114 $3,735 $3,815 $15,698 $17,137 $4,303 $4,382
GEICO $3,037 $3,062 $2,838 $2,838 $5,433 $6,950 $3,359 $3,456
Liberty Mutual $3,534 $3,534 $3,237 $3,237 $7,485 $11,536 $3,534 $4,793
Nationwide $2,917 $2,901 $2,593 $2,698 $7,060 $8,811 $3,227 $3,395
Progressive $3,360 $3,194 $2,905 $3,112 $9,696 $10,727 $4,089 $4,010
State Farm $2,290 $2,290 $2,067 $2,067 $6,728 $8,581 $2,545 $2,737
USAA $1,460 $1,439 $1,352 $1,351 $4,941 $5,792 $1,835 $1,994

How much do teen drivers pay for car insurance in Big Pine Key, FL?

Big Pine Key, Florida car insurance rates for teens are often higher than rates for other drivers. Compare Big Pine Key car insurance rates from multiple Big Pine Key, Florida car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Big Pine Key, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $15,698 $17,137
GEICO $5,433 $6,950
Liberty Mutual $7,485 $11,536
Nationwide $7,060 $8,811
Progressive $9,696 $10,727
State Farm $6,728 $8,581
USAA $4,941 $5,792

How much do senior drivers pay for car insurance in Big Pine Key, FL?

With a little research, seniors can find affordable car insurance in Big Pine Key, Florida. Here’s a look at how the top Big Pine Key car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Big Pine Key, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,735 $3,815
GEICO $2,838 $2,838
Liberty Mutual $3,237 $3,237
Nationwide $2,593 $2,698
Progressive $2,905 $3,112
State Farm $2,067 $2,067
USAA $1,352 $1,351

How does coverage level affect Big Pine Key, FL car insurance rates?

How much coverage do you need? Are you comfortable with the Florida minimum of 10/20/10 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Big Pine Key, FL car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Big Pine Key, Florida

Insurance Company Low Medium High
Allstate $5,615 $7,545 $8,390
GEICO $3,115 $4,016 $4,483
Liberty Mutual $4,722 $5,187 $5,424
Nationwide $3,326 $4,364 $4,910
Progressive $4,430 $5,240 $5,740
State Farm $3,159 $3,747 $4,083
USAA $2,169 $2,613 $2,780

How does your driving record affect Big Pine Key, FL car insurance rates?

Safe driving pays off. The more traffic violations you have in Big Pine Key, FL, the higher your car insurance rates will be. Compare rates based on driving infractions from top Big Pine Key, Florida companies.

Annual Big Pine Key, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $6,141 $7,408 $8,318 $6,867
GEICO $2,740 $3,463 $5,084 $4,199
Liberty Mutual $3,711 $4,793 $6,906 $5,034
Nationwide $3,606 $3,938 $5,265 $3,992
Progressive $4,039 $6,019 $5,036 $5,452
State Farm $3,349 $3,978 $3,663 $3,663
USAA $1,985 $2,435 $3,585 $2,078

How does a DUI affect Big Pine Key, FL car insurance rates?

With even one DUI on your record, you can see an increase in your Big Pine Key, FL car insurance rates.

Annual Car Insurance Rates After a DUI in Big Pine Key, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $8,318
GEICO $5,084
Liberty Mutual $6,906
Nationwide $5,265
Progressive $5,036
State Farm $3,663
USAA $3,585

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How does your credit history affect Big Pine Key, FL car insurance rates?

Take a look at the data here to see how your Big Pine Key, Florida car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Big Pine Key, Florida

Insurance Company Poor Fair Good
Allstate $9,967 $6,378 $5,205
GEICO $5,586 $3,427 $2,602
Liberty Mutual $6,590 $4,830 $3,913
Nationwide $5,247 $3,857 $3,497
Progressive $6,654 $4,761 $3,995
State Farm $5,012 $3,285 $2,693
USAA $4,083 $2,009 $1,470

How does your commute affect Big Pine Key, FL car insurance rates?

Big Pine Key, FL car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Florida can be seen here. Remember, though, that you may have to carry substantially more car insurance in Big Pine Key if you’re financing.

Annual Car Insurance Rates by Commute Length in Big Pine Key, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,983 $7,384
GEICO $3,851 $3,892
Liberty Mutual $4,946 $5,277
Nationwide $4,200 $4,200
Progressive $5,137 $5,137
State Farm $3,537 $3,790
USAA $2,492 $2,549

Who has the cheapest Big Pine Key, FL car insurance rates?

Here’s a breakdown of Big Pine Key, Florida car insurance rates by company. You can see which company offers the cheapest Big Pine Key car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Big Pine Key, Florida

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

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What are the top Big Pine Key, FL car insurance companies?

Which Big Pine Key, Florida car insurance company will best fit your needs and budget? Check out this comparison of the top Big Pine Key companies to find the one for you.

Average Annual Car Insurance Rates by Company in Big Pine Key, Florida

Insurance Company Average Annual Rates
Allstate $7,184
GEICO $3,872
Liberty Mutual $5,111
Nationwide $4,200
Progressive $5,137
State Farm $3,663
USAA $2,521

What factors affect Big Pine Key, FL car insurance rates?

Why are Big Pine Key, Florida car insurance rates different than rates in Port St. Lucie or Fort Lauderdale? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

How long is the average commute in Big Pine Key, FL?

More time spent behind the wheel can lead to higher Big Pine Key, Florida car insurance rates. In Big Pine Key, FL, the average commute length is 24.8 minutes.

Car Insurance Quotes for Big Pine Key, FL

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