Live Oak, FL Auto Insurance (2024)
The average Live Oak, FL auto insurance rates are $310 per month. The minimum auto insurance in Live Oak is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Live Oak, 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 22, 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 22, 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 most expensive auto insurance company in Live Oak for teen drivers is Allstate
- Average auto insurance rates in Live Oak, FL for senior drivers are $2,270 per year
- The average commute length in Live Oak is 21.5 minutes
Live Oak, Florida auto insurance requirements are 10/20/10 according to Florida auto insurance laws. Finding cheap auto insurance in Live Oak 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 Live Oak, Florida, including driving record, credit, commute time, and more.
Compare auto insurance in Live Oak to other Florida cities, including Fort Lauderdale auto insurance rates, Tallahassee auto insurance rates, and Miami auto insurance rates to see how Live Oak, Florida auto insurance rates stack up.
Before you buy Live Oak, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Live Oak, Florida auto insurance quotes.
Minimum Auto Insurance in Live Oak, Florida
Live Oak, 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 Live Oak, 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 Live Oak, Florida Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Live Oak, 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 | $3,603 | $3,445 | $3,120 | $3,167 | $11,907 | $12,801 | $3,637 | $3,704 |
| Geico | $2,427 | $2,446 | $2,269 | $2,269 | $4,263 | $5,392 | $2,675 | $2,740 |
| Liberty Mutual | $3,042 | $3,042 | $2,792 | $2,792 | $6,366 | $9,775 | $3,042 | $4,103 |
| Nationwide | $2,302 | $2,284 | $2,057 | $2,134 | $5,480 | $6,791 | $2,533 | $2,652 |
| Progressive | $3,093 | $2,943 | $2,665 | $2,858 | $8,493 | $9,366 | $3,749 | $3,660 |
| State Farm | $1,719 | $1,719 | $1,546 | $1,546 | $4,900 | $6,272 | $1,898 | $2,054 |
| USAA | $1,387 | $1,368 | $1,282 | $1,281 | $4,617 | $5,403 | $1,740 | $1,889 |
Cheap Live Oak, Florida Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Live Oak, Florida is a challenge. Take a look at the annual teen auto insurance rates in Live Oak, Florida.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $11,907 | $12,801 |
| Geico | $4,263 | $5,392 |
| Liberty Mutual | $6,366 | $9,775 |
| Nationwide | $5,480 | $6,791 |
| Progressive | $8,493 | $9,366 |
| State Farm | $4,900 | $6,272 |
| USAA | $4,617 | $5,403 |
Cheap Live Oak, Florida Auto Insurance for Seniors
What are senior auto insurance rates in Live Oak, 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 | $3,120 | $3,167 |
| Geico | $2,269 | $2,269 |
| Liberty Mutual | $2,792 | $2,792 |
| Nationwide | $2,057 | $2,134 |
| Progressive | $2,665 | $2,858 |
| State Farm | $1,546 | $1,546 |
| USAA | $1,282 | $1,281 |
Cheap Live Oak, 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 Live Oak, Florida compared to the annual auto insurance rates with a clean record in Live Oak, Florida.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,925 | $5,856 | $6,471 | $5,440 |
| Geico | $2,180 | $2,742 | $4,004 | $3,315 |
| Liberty Mutual | $3,189 | $4,102 | $5,883 | $4,304 |
| Nationwide | $2,824 | $3,078 | $4,094 | $3,120 |
| Progressive | $3,663 | $5,356 | $4,520 | $4,873 |
| State Farm | $2,486 | $2,927 | $2,707 | $2,707 |
| USAA | $1,875 | $2,293 | $3,354 | $1,961 |
Cheap Live Oak, Florida Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Live Oak, Florida is not easy. Compare the annual rates for DUI auto insurance in Live Oak, Florida to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,471 |
| Geico | $4,004 |
| Liberty Mutual | $5,883 |
| Nationwide | $4,094 |
| Progressive | $4,520 |
| State Farm | $2,707 |
| USAA | $3,354 |
Cheap Live Oak, Florida Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Live Oak, Florida annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,932 | $5,011 | $4,075 |
| Geico | $4,388 | $2,716 | $2,076 |
| Liberty Mutual | $5,614 | $4,133 | $3,361 |
| Nationwide | $4,095 | $3,013 | $2,729 |
| Progressive | $6,021 | $4,252 | $3,536 |
| State Farm | $3,653 | $2,441 | $2,026 |
| USAA | $3,880 | $1,875 | $1,358 |
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Cheap Live Oak, Florida Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Live Oak, Florida can vary. Compare the annual cost of auto insurance by ZIP code in Live Oak, Florida to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 32060 | $2,875 |
| 32064 | $2,875 |
Cheap Live Oak, Florida Auto Insurance Rates By Commute
Commute length and annual mileage affect Live Oak, Florida auto insurance. Find the cheapest annual Live Oak, Florida auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $5,509 | $5,836 |
| Geico | $3,045 | $3,076 |
| Liberty Mutual | $4,230 | $4,509 |
| Nationwide | $3,279 | $3,279 |
| Progressive | $4,603 | $4,603 |
| State Farm | $2,617 | $2,797 |
| USAA | $2,344 | $2,398 |
Cheap Live Oak, Florida Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Live Oak, Florida? Check out the comparison of annual Live Oak, Florida auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,560 | $5,924 | $6,534 |
| Geico | $2,568 | $3,153 | $3,460 |
| Liberty Mutual | $4,047 | $4,431 | $4,630 |
| Nationwide | $2,669 | $3,395 | $3,774 |
| Progressive | $4,000 | $4,689 | $5,120 |
| State Farm | $2,367 | $2,761 | $2,992 |
| USAA | $2,083 | $2,445 | $2,584 |
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Best By Category: Cheapest Auto Insurance in Live Oak, Florida
Compare the cheapest auto insurance companies in Live Oak, 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 Live Oak, Florida Auto Insurance Companies
What auto insurance companies in Live Oak, Florida are the cheapest? Compare the top Live Oak, Florida auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,673 |
| Geico | $3,060 |
| Liberty Mutual | $4,369 |
| Nationwide | $3,279 |
| Progressive | $4,603 |
| State Farm | $2,707 |
| USAA | $2,371 |
What affects auto insurance rates in Live Oak, Florida?
There are a lot of reasons why auto insurance rates in Live Oak, Florida are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Live Oak, Florida. Many local factors may affect your Live Oak auto insurance rates.
Live Oak Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Live Oak, Florida auto theft statistics, there have been 6 auto thefts in the city.
Live Oak Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Live Oak, Florida commute length is 21.5 minutes according to City-Data.
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Compare Live Oak, Florida Auto Insurance Quotes
Before you buy Live Oak, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Live Oak, Florida auto insurance quotes.
Frequently Asked Questions
What are the minimum auto insurance requirements in Live Oak, Florida?
The minimum auto insurance requirements in Live Oak, Florida, according to Florida auto insurance laws, are 10/20/10 coverage. This means you must have at least $10,000 in bodily injury liability coverage per person, $20,000 in bodily injury liability coverage per accident, and $10,000 in property damage liability coverage.
How does age, gender, and marital status affect auto insurance rates in Live Oak, Florida?
Age, gender, and marital status can impact auto insurance rates in Live Oak, Florida. Younger drivers, especially teenagers, usually have higher rates due to their lack of driving experience. Gender can also play a role, with young males often having higher rates than young females. Marital status can sometimes lead to lower rates, as married individuals are considered more responsible.
How can I find cheap auto insurance for teen drivers in Live Oak, Florida?
Finding cheap auto insurance for teen drivers in Live Oak, Florida can be challenging. However, you can compare quotes from multiple insurance companies to find the best rates. Additionally, encouraging your teen to maintain a good driving record and consider taking driver’s education courses may help lower the premiums.
What are the auto insurance rates for seniors in Live Oak, Florida?
The auto insurance rates for seniors in Live Oak, Florida can vary depending on factors such as driving record, vehicle type, and coverage options. Generally, seniors with clean driving records and safe vehicles may qualify for lower rates. However, it’s recommended to compare quotes from different insurance companies to find the best rates tailored to individual circumstances.
How does a driving record affect auto insurance rates in Live Oak, Florida?
A driving record has a significant impact on auto insurance rates in Live Oak, Florida. Drivers with a clean record, meaning no accidents or traffic violations, usually enjoy lower premiums. On the other hand, drivers with a history of accidents or traffic violations may face higher rates due to the increased risk they present to the insurance company.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
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.