Cheap Quotes for Christmas, FL Car Insurance (2021)

Christmas, Florida car insurance rates average $379 a month and Florida law requires coverage of at least 10/20/10. By comparing rates from multiple Christmas, FL companies, you can find cheap Christmas 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

  • Christmas has an average commute time of 32.6 minutes
  • Average car insurance rates in Christmas, FL are $379/month
  • Average car insurance rates in Christmas, FL after a DUI are $5,475/year

How do the Christmas, Florida monthly average car insurance rates of $379/month compare to nearby cities like Miami car insurance rates, Orlando car insurance rates, and Hialeah car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Christmas, FL.

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

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

What are the minimum Christmas, FL car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Christmas, 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 $4,199 $4,009 $3,652 $3,706 $14,402 $15,592 $4,177 $4,234
GEICO $2,905 $2,915 $2,722 $2,722 $5,216 $6,533 $3,199 $3,238
Liberty Mutual $3,881 $3,881 $3,548 $3,548 $8,295 $12,826 $3,881 $5,295
Nationwide $2,877 $2,837 $2,567 $2,654 $6,956 $8,557 $3,169 $3,293
Progressive $3,819 $3,608 $3,278 $3,504 $10,911 $11,880 $4,622 $4,409
State Farm $1,983 $1,983 $1,798 $1,798 $5,900 $7,551 $2,208 $2,371
USAA $1,570 $1,542 $1,467 $1,453 $5,419 $6,293 $1,961 $2,115

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

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

Annual Car Insurance Rates for Teen Drivers in Christmas, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $14,402 $15,592
GEICO $5,216 $6,533
Liberty Mutual $8,295 $12,826
Nationwide $6,956 $8,557
Progressive $10,911 $11,880
State Farm $5,900 $7,551
USAA $5,419 $6,293

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

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

Annual Car Insurance Rates for Senior Drivers in Christmas, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,652 $3,706
GEICO $2,722 $2,722
Liberty Mutual $3,548 $3,548
Nationwide $2,567 $2,654
Progressive $3,278 $3,504
State Farm $1,798 $1,798
USAA $1,467 $1,453

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

Annual Car Insurance Rates by Coverage Level in Christmas, Florida

Insurance Company Low Medium High
Allstate $5,233 $7,090 $7,916
GEICO $3,031 $3,808 $4,205
Liberty Mutual $5,178 $5,737 $6,018
Nationwide $3,239 $4,277 $4,825
Progressive $4,845 $5,886 $6,531
State Farm $2,725 $3,281 $3,591
USAA $2,365 $2,822 $2,996

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

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

Annual Christmas, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,821 $6,973 $7,733 $6,458
GEICO $2,551 $3,273 $4,892 $4,009
Liberty Mutual $4,023 $5,272 $7,727 $5,555
Nationwide $3,504 $3,851 $5,202 $3,897
Progressive $4,513 $6,741 $5,656 $6,105
State Farm $2,920 $3,477 $3,199 $3,199
USAA $2,129 $2,635 $3,912 $2,233

How does a DUI affect Christmas, FL car insurance rates?

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

Annual Car Insurance Rates After a DUI in Christmas, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,733
GEICO $4,892
Liberty Mutual $7,727
Nationwide $5,202
Progressive $5,656
State Farm $3,199
USAA $3,912

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

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

Annual Car Insurance Rates by Credit Score in Christmas, Florida

Insurance Company Poor Fair Good
Allstate $9,442 $5,963 $4,834
GEICO $5,381 $3,240 $2,422
Liberty Mutual $7,298 $5,331 $4,304
Nationwide $5,148 $3,777 $3,416
Progressive $7,485 $5,329 $4,448
State Farm $4,393 $2,864 $2,340
USAA $4,439 $2,169 $1,574

How does your commute affect Christmas, FL car insurance rates?

Christmas, 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 Christmas if you’re financing.

Annual Car Insurance Rates by Commute Length in Christmas, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,554 $6,939
GEICO $3,664 $3,699
Liberty Mutual $5,459 $5,830
Nationwide $4,114 $4,114
Progressive $5,754 $5,754
State Farm $3,089 $3,309
USAA $2,697 $2,758

Who has the cheapest Christmas, FL car insurance rates?

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

Best Annual Car Insurance Rates by Company in Christmas, 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 Christmas, FL car insurance companies?

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

Average Annual Car Insurance Rates by Company in Christmas, Florida

Insurance Company Average Annual Rates
Allstate $6,746
GEICO $3,681
Liberty Mutual $5,644
Nationwide $4,114
Progressive $5,754
State Farm $3,199
USAA $2,727

What factors affect Christmas, FL car insurance rates?

Why are Christmas, Florida car insurance rates different than rates in Miami or Orlando? 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 Christmas, FL?

More time spent behind the wheel can lead to higher Christmas, Florida car insurance rates. In Christmas, FL, the average commute length is 32.6 minutes.

Car Insurance Quotes for Christmas, FL

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

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