Cheap Quotes for Cape Canaveral, FL Car Insurance (2021)

Cape Canaveral, Florida car insurance rates average $328 a month and Florida law requires coverage of at least 10/20/10. By comparing rates from multiple Cape Canaveral, FL companies, you can find cheap Cape Canaveral 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

  • The cheapest car insurance company in Cape Canaveral is USAA
  • Cape Canaveral has an average commute time of 24.0 minutes
  • Average car insurance rates in Cape Canaveral, FL are $328/month

How do the Cape Canaveral, Florida monthly average car insurance rates of $328/month compare to nearby cities like Jacksonville car insurance rates, Fort Lauderdale car insurance rates, and Tallahassee car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Cape Canaveral, FL.

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

Enter your ZIP code above to find cheap Cape Canaveral, FL car insurance quotes today.

What are the minimum Cape Canaveral, FL car insurance requirements?

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

Minimum Required Car Insurance Coverage in Cape Canaveral, 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 Cape Canaveral, FL car insurance rates?

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Cape Canaveral, 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 $3,917 $3,784 $3,435 $3,509 $13,809 $15,126 $3,956 $4,036
GEICO $2,651 $2,664 $2,485 $2,485 $4,746 $5,988 $2,922 $2,973
Liberty Mutual $3,079 $3,079 $2,829 $2,829 $6,404 $9,815 $3,079 $4,142
Nationwide $2,441 $2,413 $2,187 $2,261 $5,773 $7,101 $2,683 $2,792
Progressive $3,350 $3,157 $2,882 $3,082 $9,364 $10,198 $4,019 $3,838
State Farm $1,635 $1,635 $1,491 $1,491 $4,567 $5,898 $1,814 $1,937
USAA $1,334 $1,310 $1,251 $1,238 $4,535 $5,257 $1,657 $1,783

How much do teen drivers pay for car insurance in Cape Canaveral, FL?

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

Annual Car Insurance Rates for Teen Drivers in Cape Canaveral, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,809 $15,126
GEICO $4,746 $5,988
Liberty Mutual $6,404 $9,815
Nationwide $5,773 $7,101
Progressive $9,364 $10,198
State Farm $4,567 $5,898
USAA $4,535 $5,257

How much do senior drivers pay for car insurance in Cape Canaveral, FL?

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

Annual Car Insurance Rates for Senior Drivers in Cape Canaveral, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,435 $3,509
GEICO $2,485 $2,485
Liberty Mutual $2,829 $2,829
Nationwide $2,187 $2,261
Progressive $2,882 $3,082
State Farm $1,491 $1,491
USAA $1,251 $1,238

How does coverage level affect Cape Canaveral, 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 Cape Canaveral, FL car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Cape Canaveral, Florida

Insurance Company Low Medium High
Allstate $4,934 $6,790 $7,616
GEICO $2,714 $3,489 $3,890
Liberty Mutual $4,030 $4,474 $4,717
Nationwide $2,690 $3,601 $4,078
Progressive $4,170 $5,103 $5,686
State Farm $2,160 $2,625 $2,891
USAA $1,970 $2,380 $2,537

How does your driving record affect Cape Canaveral, FL car insurance rates?

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

Annual Cape Canaveral, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,551 $6,642 $7,419 $6,174
GEICO $2,354 $2,999 $4,447 $3,657
Liberty Mutual $3,196 $4,130 $5,961 $4,340
Nationwide $2,961 $3,242 $4,341 $3,281
Progressive $3,948 $5,814 $4,903 $5,280
State Farm $2,340 $2,778 $2,559 $2,559
USAA $1,797 $2,219 $3,283 $1,884

How does a DUI affect Cape Canaveral, FL car insurance rates?

With even one DUI on your record, you can see an increase in your Cape Canaveral, FL car insurance rates.

Annual Car Insurance Rates After a DUI in Cape Canaveral, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,419
GEICO $4,447
Liberty Mutual $5,961
Nationwide $4,341
Progressive $4,903
State Farm $2,559
USAA $3,283

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How does your credit history affect Cape Canaveral, FL car insurance rates?

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

Annual Car Insurance Rates by Credit Score in Cape Canaveral, Florida

Insurance Company Poor Fair Good
Allstate $8,982 $5,708 $4,649
GEICO $4,889 $2,969 $2,235
Liberty Mutual $5,651 $4,171 $3,399
Nationwide $4,308 $3,180 $2,881
Progressive $6,504 $4,612 $3,842
State Farm $3,498 $2,295 $1,883
USAA $3,714 $1,834 $1,339

How does your commute affect Cape Canaveral, FL car insurance rates?

Cape Canaveral, 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 Cape Canaveral if you’re financing.

Annual Car Insurance Rates by Commute Length in Cape Canaveral, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,262 $6,631
GEICO $3,348 $3,381
Liberty Mutual $4,268 $4,546
Nationwide $3,456 $3,456
Progressive $4,986 $4,986
State Farm $2,472 $2,646
USAA $2,270 $2,322

Who has the cheapest Cape Canaveral, FL car insurance rates?

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

Best Annual Car Insurance Rates by Company in Cape Canaveral, 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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What are the top Cape Canaveral, FL car insurance companies?

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

Average Annual Car Insurance Rates by Company in Cape Canaveral, Florida

Insurance Company Average Annual Rates
Allstate $6,447
GEICO $3,364
Liberty Mutual $4,407
Nationwide $3,456
Progressive $4,986
State Farm $2,559
USAA $2,296

What factors affect Cape Canaveral, FL car insurance rates?

Why are Cape Canaveral, Florida car insurance rates different than rates in Jacksonville 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 Cape Canaveral, FL?

More time spent behind the wheel can lead to higher Cape Canaveral, Florida car insurance rates. In Cape Canaveral, FL, the average commute length is 24.0 minutes.

Car Insurance Quotes for Cape Canaveral, FL

Shop for affordable Cape Canaveral, Florida car insurance rates today. Enter your ZIP code to compare quotes from multiple Cape Canaveral, FL car insurance companies.

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