Arcadia, FL Auto Insurance (2024)
The average Arcadia, FL auto insurance rates are $334 per month. The minimum auto insurance in Arcadia is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Arcadia, Florida, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 21, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 21, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest auto insurance company in Arcadia is USAA
- Average auto insurance rates in Arcadia, FL for senior drivers are $2,437 per year
- The most expensive auto insurance company in Arcadia for teen drivers is Allstate
Arcadia, Florida auto insurance requirements are 10/20/10 according to Florida auto insurance laws. Finding cheap auto insurance in Arcadia can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Arcadia, Florida, including driving record, credit, commute time, and more. It’s incredibly important to keep yourself and your family protected from anything that could occur in everyday life situations while on the road.
It’s common when purchasing homeowners insurance, and should be normal when looking for an auto policy as well. Plus, just as with any insurance services, there are a number of things that determine what you’ll pay. We’ll cover factors that affect auto insurance rates in Arcadia, Florida, including driving record, credit, commute time, and more.
Compare auto insurance in Arcadia to other Florida cities, including Hialeah auto insurance rates, St. Petersburg auto insurance rates, and Tallahassee auto insurance rates to see how Arcadia, Florida auto insurance rates stack up. Any business is going to size you up in terms of you being a customer, so it’s up to you to do the same. By researching what you need, you’ll be able to find the insurance agency that is the best fit for you.
Before you buy Arcadia, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Arcadia, Florida auto insurance quotes. Trying to go with the largest auto insurance provider may not net you a policy that’s the best fit personally.
Minimum Auto Insurance in Arcadia, Florida
Arcadia, Florida auto insurance laws require that you have at least the Florida minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Arcadia, 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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Cheap Arcadia, Florida Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Arcadia, Florida are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 | $3,815 | $3,628 | $3,305 | $3,350 | $13,038 | $14,042 | $3,803 | $3,852 |
| Geico | $2,700 | $2,715 | $2,525 | $2,525 | $4,777 | $5,993 | $2,973 | $3,024 |
| Liberty Mutual | $3,214 | $3,214 | $2,949 | $2,949 | $6,720 | $10,319 | $3,214 | $4,336 |
| Nationwide | $2,512 | $2,482 | $2,248 | $2,325 | $5,977 | $7,354 | $2,761 | $2,872 |
| Progressive | $3,398 | $3,208 | $2,916 | $3,122 | $9,414 | $10,260 | $4,086 | $3,911 |
| State Farm | $1,695 | $1,695 | $1,532 | $1,532 | $4,838 | $6,165 | $1,875 | $2,015 |
| USAA | $1,530 | $1,503 | $1,426 | $1,415 | $5,263 | $6,126 | $1,912 | $2,065 |
Cheap Arcadia, Florida Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Arcadia, Florida is a challenge. Take a look at the annual teen auto insurance rates in Arcadia, Florida.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $13,038 | $14,042 |
| Geico | $4,777 | $5,993 |
| Liberty Mutual | $6,720 | $10,319 |
| Nationwide | $5,977 | $7,354 |
| Progressive | $9,414 | $10,260 |
| State Farm | $4,838 | $6,165 |
| USAA | $5,263 | $6,126 |
Cheap Arcadia, Florida Auto Insurance for Seniors
What are senior auto insurance rates in Arcadia, Florida? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,305 | $3,350 |
| Geico | $2,525 | $2,525 |
| Liberty Mutual | $2,949 | $2,949 |
| Nationwide | $2,248 | $2,325 |
| Progressive | $2,916 | $3,122 |
| State Farm | $1,532 | $1,532 |
| USAA | $1,426 | $1,415 |
Cheap Arcadia, Florida Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Arcadia, Florida compared to the annual auto insurance rates with a clean record in Arcadia, Florida.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $5,266 | $6,306 | $7,001 | $5,844 |
| Geico | $2,392 | $3,038 | $4,488 | $3,698 |
| Liberty Mutual | $3,335 | $4,322 | $6,257 | $4,543 |
| Nationwide | $3,055 | $3,344 | $4,481 | $3,386 |
| Progressive | $3,990 | $5,876 | $4,954 | $5,338 |
| State Farm | $2,447 | $2,890 | $2,668 | $2,668 |
| USAA | $2,076 | $2,565 | $3,802 | $2,177 |
Cheap Arcadia, Florida Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Arcadia, Florida is not easy. Compare the annual rates for DUI auto insurance in Arcadia, Florida to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $7,001 |
| Geico | $4,488 |
| Liberty Mutual | $6,257 |
| Nationwide | $4,481 |
| Progressive | $4,954 |
| State Farm | $2,668 |
| USAA | $3,802 |
Cheap Arcadia, Florida Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Arcadia, Florida annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $8,512 | $5,405 | $4,395 |
| Geico | $4,926 | $3,009 | $2,278 |
| Liberty Mutual | $5,927 | $4,366 | $3,550 |
| Nationwide | $4,457 | $3,277 | $2,965 |
| Progressive | $6,587 | $4,658 | $3,872 |
| State Farm | $3,618 | $2,402 | $1,985 |
| USAA | $4,318 | $2,112 | $1,535 |
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Cheap Arcadia, Florida Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Arcadia, Florida can vary. Compare the annual cost of auto insurance by ZIP code in Arcadia, Florida to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 34266 | $3,098 |
| 34269 | $3,088 |
Cheap Arcadia, Florida Auto Insurance Rates By Commute
Commute length and annual mileage affect Arcadia, Florida auto insurance. Find the cheapest annual Arcadia, Florida auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $5,932 | $6,276 |
| Geico | $3,387 | $3,421 |
| Liberty Mutual | $4,467 | $4,762 |
| Nationwide | $3,566 | $3,566 |
| Progressive | $5,039 | $5,039 |
| State Farm | $2,578 | $2,758 |
| USAA | $2,625 | $2,685 |
Cheap Arcadia, Florida Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Arcadia, Florida? Check out the comparison of annual Arcadia, Florida auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,909 | $6,376 | $7,028 |
| Geico | $2,802 | $3,519 | $3,891 |
| Liberty Mutual | $4,229 | $4,684 | $4,930 |
| Nationwide | $2,821 | $3,707 | $4,171 |
| Progressive | $4,283 | $5,148 | $5,687 |
| State Farm | $2,309 | $2,727 | $2,969 |
| USAA | $2,290 | $2,750 | $2,925 |
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Best By Category: Cheapest Auto Insurance in Arcadia, Florida
Compare the cheapest auto insurance companies in Arcadia, Florida in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
The Cheapest Arcadia, Florida Auto Insurance Companies
What auto insurance companies in Arcadia, Florida are the cheapest? Compare the top Arcadia, Florida auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $6,104 |
| Geico | $3,404 |
| Liberty Mutual | $4,614 |
| Nationwide | $3,566 |
| Progressive | $5,039 |
| State Farm | $2,668 |
| USAA | $2,655 |
What affects auto insurance rates in Arcadia, Florida?
There are a lot of reasons why auto insurance rates in Arcadia, Florida are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Arcadia, Florida. Many local factors may affect your Arcadia auto insurance rates.
Arcadia Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Arcadia, Florida auto theft statistics, there have been 12 auto thefts in the city.
Arcadia Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Arcadia, Florida commute length is 21.2 minutes according to City-Data.
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Compare Arcadia, Florida Auto Insurance Quotes
Before you buy Arcadia, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Arcadia, Florida auto insurance quotes.
Frequently Asked Questions
Is auto insurance mandatory in Arcadia, FL?
Yes, auto insurance is mandatory in Arcadia, FL, as it is in most states. The minimum coverage requirements vary, but in Florida, drivers must carry a minimum of $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL) coverage.
What are the pros of having auto insurance in Arcadia, FL?
- Financial protection: Auto insurance provides financial coverage for damages and losses, reducing the out-of-pocket expenses you may have to bear in case of an accident.
- Legal compliance: It is a legal requirement in Arcadia and helps you avoid penalties and fines for driving without insurance.
- Peace of mind: Having auto insurance offers peace of mind, knowing that you have coverage for potential accidents or damages.
Are there any cons to consider with auto insurance in Arcadia, FL?
- Cost: Auto insurance premiums can be expensive, and the specific rates depend on various factors such as your driving history, age, type of vehicle, and coverage options.
- Deductibles and limits: Policies often have deductibles and coverage limits, which means you may need to pay a certain amount out-of-pocket before the insurance coverage kicks in.
- Policy exclusions: Some incidents, such as intentional acts or certain types of damage, may not be covered by your policy. It’s essential to review your policy terms and exclusions carefully.
Can I customize my auto insurance policy in Arcadia, FL?
Yes, you can customize your auto insurance policy based on your needs and budget. Insurance companies often offer various coverage options and additional features, allowing you to tailor your policy to fit your specific requirements.
How can I find affordable auto insurance in Arcadia, FL?
To find affordable auto insurance:
- Shop around and compare quotes from multiple insurance companies.
- Consider raising deductibles or adjusting coverage limits.
- Look for discounts or bundled policies that can help reduce premiums.
- Maintain a good driving record and consider taking defensive driving courses to qualify for additional discounts.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.