Marco Island, FL Auto Insurance (2024)
The average Marco Island, FL auto insurance rates are $315 per month. The minimum auto insurance in Marco Island is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Marco Island, 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 Marco Island for teen drivers is Allstate
- The minimum auto insurance required in Marco Island, Florida is 10/20/10
- Average auto insurance rates in Marco Island, FL for senior drivers are $2,303 per year
Marco Island, Florida auto insurance requirements are 10/20/10 according to Florida auto insurance laws. Finding cheap auto insurance in Marco Island 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 Marco Island, Florida, including driving record, credit, commute time, and more.
Compare auto insurance in Marco Island to other Florida cities, including Port St. Lucie auto insurance rates, Tallahassee auto insurance rates, and Fort Lauderdale auto insurance rates to see how Marco Island, Florida auto insurance rates stack up.
Before you buy Marco Island, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Marco Island, Florida auto insurance quotes.
Minimum Auto Insurance in Marco Island, Florida
Marco Island, 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 Marco Island, 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 Marco Island, Florida Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Marco Island, 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 | $3,808 | $3,597 | $3,295 | $3,326 | $12,934 | $13,883 | $3,741 | $3,764 |
| Geico | $2,426 | $2,441 | $2,269 | $2,269 | $4,329 | $5,466 | $2,677 | $2,729 |
| Liberty Mutual | $2,757 | $2,757 | $2,540 | $2,540 | $5,639 | $8,597 | $2,757 | $3,678 |
| Nationwide | $2,619 | $2,579 | $2,337 | $2,417 | $6,275 | $7,697 | $2,878 | $2,983 |
| Progressive | $3,208 | $3,039 | $2,768 | $2,957 | $8,951 | $9,783 | $3,870 | $3,717 |
| State Farm | $1,767 | $1,767 | $1,603 | $1,603 | $5,108 | $6,445 | $1,961 | $2,092 |
| USAA | $1,247 | $1,225 | $1,163 | $1,153 | $4,254 | $4,956 | $1,553 | $1,675 |
Cheap Marco Island, Florida Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Marco Island, Florida is a challenge. Take a look at the annual teen auto insurance rates in Marco Island, Florida.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $12,934 | $13,883 |
| Geico | $4,329 | $5,466 |
| Liberty Mutual | $5,639 | $8,597 |
| Nationwide | $6,275 | $7,697 |
| Progressive | $8,951 | $9,783 |
| State Farm | $5,108 | $6,445 |
| USAA | $4,254 | $4,956 |
Cheap Marco Island, Florida Auto Insurance for Seniors
What are senior auto insurance rates in Marco Island, 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 | $3,295 | $3,326 |
| Geico | $2,269 | $2,269 |
| Liberty Mutual | $2,540 | $2,540 |
| Nationwide | $2,337 | $2,417 |
| Progressive | $2,768 | $2,957 |
| State Farm | $1,603 | $1,603 |
| USAA | $1,163 | $1,153 |
Cheap Marco Island, 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 Marco Island, Florida compared to the annual auto insurance rates with a clean record in Marco Island, Florida.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $5,211 | $6,256 | $6,925 | $5,782 |
| Geico | $2,157 | $2,744 | $4,060 | $3,342 |
| Liberty Mutual | $2,857 | $3,667 | $5,258 | $3,850 |
| Nationwide | $3,175 | $3,488 | $4,702 | $3,528 |
| Progressive | $3,789 | $5,582 | $4,706 | $5,069 |
| State Farm | $2,552 | $3,034 | $2,793 | $2,793 |
| USAA | $1,684 | $2,080 | $3,083 | $1,766 |
Cheap Marco Island, Florida Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Marco Island, Florida is not easy. Compare the annual rates for DUI auto insurance in Marco Island, Florida to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,925 |
| Geico | $4,060 |
| Liberty Mutual | $5,258 |
| Nationwide | $4,702 |
| Progressive | $4,706 |
| State Farm | $2,793 |
| USAA | $3,083 |
Cheap Marco Island, Florida Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Marco Island, Florida annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $8,446 | $5,349 | $4,336 |
| Geico | $4,461 | $2,716 | $2,050 |
| Liberty Mutual | $4,988 | $3,703 | $3,033 |
| Nationwide | $4,665 | $3,417 | $3,087 |
| Progressive | $6,248 | $4,424 | $3,688 |
| State Farm | $3,827 | $2,503 | $2,050 |
| USAA | $3,490 | $1,717 | $1,253 |
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Cheap Marco Island, Florida Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Marco Island, Florida can vary. Compare the annual cost of auto insurance by ZIP code in Marco Island, Florida to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 34145 | $2,930 |
Cheap Marco Island, Florida Auto Insurance Rates By Commute
Commute length and annual mileage affect Marco Island, Florida auto insurance. Find the cheapest annual Marco Island, Florida auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $5,875 | $6,212 |
| Geico | $3,060 | $3,091 |
| Liberty Mutual | $3,787 | $4,029 |
| Nationwide | $3,723 | $3,723 |
| Progressive | $4,787 | $4,787 |
| State Farm | $2,697 | $2,890 |
| USAA | $2,129 | $2,177 |
Cheap Marco Island, Florida Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Marco Island, Florida? Check out the comparison of annual Marco Island, Florida auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,848 | $6,315 | $6,967 |
| Geico | $2,552 | $3,181 | $3,494 |
| Liberty Mutual | $3,601 | $3,959 | $4,164 |
| Nationwide | $2,996 | $3,860 | $4,314 |
| Progressive | $4,042 | $4,893 | $5,425 |
| State Farm | $2,414 | $2,856 | $3,110 |
| USAA | $1,872 | $2,226 | $2,361 |
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Best By Category: Cheapest Auto Insurance in Marco Island, Florida
Compare the cheapest auto insurance companies in Marco Island, Florida in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
The Cheapest Marco Island, Florida Auto Insurance Companies
What auto insurance companies in Marco Island, Florida are the cheapest? Compare the top Marco Island, Florida auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $6,043 |
| Geico | $3,076 |
| Liberty Mutual | $3,908 |
| Nationwide | $3,723 |
| Progressive | $4,787 |
| State Farm | $2,793 |
| USAA | $2,153 |
What affects auto insurance rates in Marco Island, Florida?
There are a lot of reasons why auto insurance rates in Marco Island, Florida are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Marco Island, Florida. Many local factors may affect your Marco Island auto insurance rates.
Marco Island Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Marco Island, Florida auto theft statistics, there have been 5 auto thefts in the city.
Marco Island Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Marco Island, Florida commute length is 21.2 minutes according to City-Data.
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Compare Marco Island, Florida Auto Insurance Quotes
Before you buy Marco Island, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Marco Island, Florida auto insurance quotes.
Frequently Asked Questions
What is Marco Island, FL Auto Insurance?
Marco Island, FL Auto Insurance refers to insurance coverage specifically designed to protect vehicles and drivers in Marco Island, Florida. It provides financial protection in the event of accidents, damage, theft, or other incidents involving insured vehicles.
What does Marco Island, FL Auto Insurance typically cover?
Auto insurance policies in Marco Island, FL generally provide coverage for liability, which includes bodily injury and property damage caused to others in an accident where you are at fault. Additionally, policies often include coverage for medical expenses, uninsured/underinsured motorist protection, personal injury protection (PIP), comprehensive coverage (for non-collision incidents like theft or vandalism), and collision coverage (for damage caused by accidents).
Are there any specific auto insurance requirements in Marco Island, FL?
Yes, Marco Island, FL follows the state’s minimum auto insurance requirements. Drivers in Florida must carry liability insurance with minimum limits of 10/20/10. This means coverage for bodily injury per person is at least $10,000, bodily injury per accident is at least $20,000, and property damage coverage is at least $10,000. Florida also requires drivers to carry personal injury protection (PIP) coverage.
Can I customize my auto insurance coverage in Marco Island, FL?
Yes, auto insurance coverage can often be customized based on your individual needs and preferences. In addition to the required liability and PIP coverage, you can choose to add optional coverages such as comprehensive, collision, rental car reimbursement, roadside assistance, and more. Discuss your specific requirements with an insurance agent to tailor your policy accordingly.
How can I find the best auto insurance in Marco Island, FL?
To find the best auto insurance in Marco Island, FL, consider the following steps:
- Research insurance providers: Look for reputable insurance companies that offer auto insurance in Marco Island, FL.
- Compare quotes: Obtain quotes from multiple insurers and compare coverage options, premiums, deductibles, and customer reviews.
- Assess coverage needs: Evaluate your specific coverage requirements based on factors like your vehicle type, driving habits, and financial situation.
- Consider discounts: Inquire about available discounts such as multi-policy, safe driver, or good student discounts that can help reduce your premium.
- Seek professional advice: Consult with an experienced insurance agent who can guide you through the process and help you make an informed decision.
Can my Marco Island, FL auto insurance policy cover rental cars?
It depends on your policy. Some auto insurance policies offer coverage for rental cars as an optional add-on. This coverage is often referred to as “rental car reimbursement” or “rental car coverage.” It provides coverage for the cost of renting a vehicle if your insured car is being repaired due to a covered claim. Review your policy or contact your insurance provider to understand if rental car coverage is included or available as an add-on.
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.