Cheap Quotes for Mary Esther, FL Car Insurance (2021)

Mary Esther, Florida car insurance rates average $304 a month and Florida law requires coverage of at least 10/20/10. By comparing rates from multiple Mary Esther, FL companies, you can find cheap Mary Esther 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 Mary Esther, FL after a DUI are $4,356/year
  • Average car insurance rates in Mary Esther, FL for senior drivers are $2,218/year
  • Mary Esther has an average commute time of 21.0 minutes

How do the Mary Esther, Florida monthly average car insurance rates of $304/month compare to nearby cities like Tallahassee car insurance rates, Cape Coral car insurance rates, and Orlando car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Mary Esther, FL.

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

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

What are the minimum Mary Esther, FL car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Mary Esther, 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 $3,656 $3,526 $3,184 $3,256 $12,788 $13,919 $3,746 $3,832
GEICO $2,514 $2,526 $2,353 $2,353 $4,542 $5,757 $2,776 $2,830
Liberty Mutual $2,968 $2,968 $2,725 $2,725 $6,197 $9,506 $2,968 $3,993
Nationwide $2,342 $2,326 $2,092 $2,172 $5,550 $6,890 $2,579 $2,704
Progressive $2,833 $2,694 $2,459 $2,625 $7,909 $8,703 $3,412 $3,342
State Farm $1,624 $1,624 $1,472 $1,472 $4,615 $5,910 $1,791 $1,936
USAA $1,169 $1,153 $1,084 $1,083 $3,837 $4,491 $1,464 $1,589

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

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

Annual Car Insurance Rates for Teen Drivers in Mary Esther, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,788 $13,919
GEICO $4,542 $5,757
Liberty Mutual $6,197 $9,506
Nationwide $5,550 $6,890
Progressive $7,909 $8,703
State Farm $4,615 $5,910
USAA $3,837 $4,491

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

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

Annual Car Insurance Rates for Senior Drivers in Mary Esther, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,184 $3,256
GEICO $2,353 $2,353
Liberty Mutual $2,725 $2,725
Nationwide $2,092 $2,172
Progressive $2,459 $2,625
State Farm $1,472 $1,472
USAA $1,084 $1,083

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

Annual Car Insurance Rates by Coverage Level in Mary Esther, Florida

Insurance Company Low Medium High
Allstate $4,875 $6,240 $6,850
GEICO $2,726 $3,307 $3,586
Liberty Mutual $3,941 $4,315 $4,512
Nationwide $2,709 $3,451 $3,836
Progressive $3,709 $4,328 $4,705
State Farm $2,202 $2,610 $2,856
USAA $1,754 $2,043 $2,154

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

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

Annual Mary Esther, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,162 $6,155 $6,896 $5,740
GEICO $2,233 $2,854 $4,249 $3,488
Liberty Mutual $3,151 $4,009 $5,670 $4,196
Nationwide $2,871 $3,129 $4,156 $3,171
Progressive $3,371 $4,951 $4,167 $4,500
State Farm $2,347 $2,764 $2,556 $2,556
USAA $1,571 $1,918 $2,802 $1,643

How does a DUI affect Mary Esther, FL car insurance rates?

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

Annual Car Insurance Rates After a DUI in Mary Esther, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,896
GEICO $4,249
Liberty Mutual $5,670
Nationwide $4,156
Progressive $4,167
State Farm $2,556
USAA $2,802

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

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

Annual Car Insurance Rates by Credit Score in Mary Esther, Florida

Insurance Company Poor Fair Good
Allstate $8,290 $5,318 $4,358
GEICO $4,677 $2,825 $2,117
Liberty Mutual $5,464 $4,027 $3,278
Nationwide $4,156 $3,063 $2,777
Progressive $5,535 $3,924 $3,282
State Farm $3,449 $2,305 $1,913
USAA $3,217 $1,579 $1,155

How does your commute affect Mary Esther, FL car insurance rates?

Mary Esther, 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 Mary Esther if you’re financing.

Annual Car Insurance Rates by Commute Length in Mary Esther, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,815 $6,161
GEICO $3,190 $3,222
Liberty Mutual $4,121 $4,391
Nationwide $3,332 $3,332
Progressive $4,247 $4,247
State Farm $2,473 $2,638
USAA $1,961 $2,006

Who has the cheapest Mary Esther, FL car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Mary Esther, Florida

Insurance Company Average Annual Rates
Allstate $5,988
GEICO $3,206
Liberty Mutual $4,256
Nationwide $3,332
Progressive $4,247
State Farm $2,556
USAA $1,984

What factors affect Mary Esther, FL car insurance rates?

Why are Mary Esther, Florida car insurance rates different than rates in Tallahassee or Cape Coral? 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 Mary Esther, FL?

More time spent behind the wheel can lead to higher Mary Esther, Florida car insurance rates. In Mary Esther, FL, the average commute length is 21.0 minutes.

Car Insurance Quotes for Mary Esther, FL

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