Palm Harbor, FL Auto Insurance (2024)
The average Palm Harbor, FL auto insurance rates are $449 per month. The minimum auto insurance in Palm Harbor is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Palm Harbor, 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 29, 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 29, 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 Palm Harbor for teen drivers is Allstate
- The cheapest auto insurance company in Palm Harbor is USAA
- Average auto insurance rates in Palm Harbor, FL for senior drivers are $3,248 per year
Palm Harbor, Florida auto insurance requirements are 10/20/10 according to Florida auto insurance laws. Finding cheap auto insurance in Palm Harbor 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 Palm Harbor, Florida, including driving record, credit, commute time, and more.
Compare auto insurance in Palm Harbor to other Florida cities, including Miami auto insurance rates, Port St. Lucie auto insurance rates, and Tallahassee auto insurance rates to see how Palm Harbor, Florida auto insurance rates stack up.
Before you buy Palm Harbor, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Palm Harbor, Florida auto insurance quotes.
Minimum Auto Insurance in Palm Harbor, Florida
Palm Harbor, 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 Palm Harbor, 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 Palm Harbor, Florida Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Palm Harbor, 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 | $5,504 | $5,254 | $4,813 | $4,880 | $19,178 | $20,902 | $5,397 | $5,446 |
| Geico | $3,812 | $3,834 | $3,560 | $3,560 | $6,786 | $8,528 | $4,204 | $4,277 |
| Liberty Mutual | $4,100 | $4,100 | $3,746 | $3,746 | $8,809 | $13,645 | $4,100 | $5,612 |
| Nationwide | $3,370 | $3,326 | $3,011 | $3,112 | $8,128 | $10,003 | $3,714 | $3,863 |
| Progressive | $4,104 | $3,821 | $3,501 | $3,751 | $11,566 | $12,458 | $4,887 | $4,548 |
| State Farm | $2,388 | $2,388 | $2,165 | $2,165 | $7,115 | $9,117 | $2,663 | $2,849 |
| USAA | $1,851 | $1,815 | $1,747 | $1,722 | $6,467 | $7,447 | $2,303 | $2,474 |
Cheap Palm Harbor, Florida Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Palm Harbor, Florida is a challenge. Take a look at the annual teen auto insurance rates in Palm Harbor, Florida.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $19,178 | $20,902 |
| Geico | $6,786 | $8,528 |
| Liberty Mutual | $8,809 | $13,645 |
| Nationwide | $8,128 | $10,003 |
| Progressive | $11,566 | $12,458 |
| State Farm | $7,115 | $9,117 |
| USAA | $6,467 | $7,447 |
Cheap Palm Harbor, Florida Auto Insurance for Seniors
What are senior auto insurance rates in Palm Harbor, 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 | $4,813 | $4,880 |
| Geico | $3,560 | $3,560 |
| Liberty Mutual | $3,746 | $3,746 |
| Nationwide | $3,011 | $3,112 |
| Progressive | $3,501 | $3,751 |
| State Farm | $2,165 | $2,165 |
| USAA | $1,747 | $1,722 |
Cheap Palm Harbor, 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 Palm Harbor, Florida compared to the annual auto insurance rates with a clean record in Palm Harbor, Florida.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $7,678 | $9,237 | $10,241 | $8,532 |
| Geico | $3,371 | $4,296 | $6,373 | $5,240 |
| Liberty Mutual | $4,229 | $5,579 | $8,236 | $5,885 |
| Nationwide | $4,102 | $4,508 | $6,091 | $4,562 |
| Progressive | $4,813 | $7,084 | $5,991 | $6,430 |
| State Farm | $3,519 | $4,193 | $3,856 | $3,856 |
| USAA | $2,513 | $3,120 | $4,641 | $2,638 |
Cheap Palm Harbor, Florida Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Palm Harbor, Florida is not easy. Compare the annual rates for DUI auto insurance in Palm Harbor, Florida to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $10,241 |
| Geico | $6,373 |
| Liberty Mutual | $8,236 |
| Nationwide | $6,091 |
| Progressive | $5,991 |
| State Farm | $3,856 |
| USAA | $4,641 |
Cheap Palm Harbor, Florida Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Palm Harbor, Florida annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $12,544 | $7,876 | $6,345 |
| Geico | $6,999 | $4,255 | $3,207 |
| Liberty Mutual | $7,745 | $5,649 | $4,553 |
| Nationwide | $6,024 | $4,424 | $4,000 |
| Progressive | $7,920 | $5,637 | $4,682 |
| State Farm | $5,301 | $3,451 | $2,817 |
| USAA | $5,224 | $2,582 | $1,878 |
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Cheap Palm Harbor, Florida Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Palm Harbor, Florida can vary. Compare the annual cost of auto insurance by ZIP code in Palm Harbor, Florida to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 34684 | $4,134 |
Cheap Palm Harbor, Florida Auto Insurance Rates By Commute
Commute length and annual mileage affect Palm Harbor, Florida auto insurance. Find the cheapest annual Palm Harbor, Florida auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $8,665 | $9,178 |
| Geico | $4,796 | $4,844 |
| Liberty Mutual | $5,784 | $6,181 |
| Nationwide | $4,816 | $4,816 |
| Progressive | $6,079 | $6,079 |
| State Farm | $3,721 | $3,991 |
| USAA | $3,191 | $3,265 |
Cheap Palm Harbor, Florida Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Palm Harbor, Florida? Check out the comparison of annual Palm Harbor, Florida auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $6,583 | $9,451 | $10,732 |
| Geico | $3,853 | $5,003 | $5,605 |
| Liberty Mutual | $5,424 | $6,093 | $6,429 |
| Nationwide | $3,634 | $5,037 | $5,776 |
| Progressive | $4,812 | $6,257 | $7,169 |
| State Farm | $3,248 | $3,962 | $4,359 |
| USAA | $2,697 | $3,367 | $3,621 |
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Best By Category: Cheapest Auto Insurance in Palm Harbor, Florida
Compare the cheapest auto insurance companies in Palm Harbor, 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 Palm Harbor, Florida Auto Insurance Companies
What auto insurance companies in Palm Harbor, Florida are the cheapest? Compare the top Palm Harbor, Florida auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $8,922 |
| Geico | $4,820 |
| Liberty Mutual | $5,982 |
| Nationwide | $4,816 |
| Progressive | $6,079 |
| State Farm | $3,856 |
| USAA | $3,228 |
What affects auto insurance rates in Palm Harbor, Florida?
There are a lot of reasons why auto insurance rates in Palm Harbor, Florida are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Palm Harbor, Florida. Many local factors may affect your Palm Harbor auto insurance rates.
Palm Harbor Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Palm Harbor, Florida commute length is 27.3 minutes according to City-Data.
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Compare Palm Harbor, Florida Auto Insurance Quotes
Before you buy Palm Harbor, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Palm Harbor, Florida auto insurance quotes.
Frequently Asked Questions
What are the minimum auto insurance requirements in Palm Harbor, Florida?
Palm Harbor, Florida auto insurance laws require a minimum coverage of 10/20/10.
How does commute time in Palm Harbor, Florida affect auto insurance costs?
Cities with longer average commute times tend to have higher auto insurance costs. The average Palm Harbor, Florida commute length is 27.3 minutes.
Does my credit score affect my auto insurance rates in Palm Harbor, Florida?
Yes, in Palm Harbor, Florida, like in most other states, your credit score can influence your auto insurance rates. (The exceptions are California, Hawaii, Maryland, Massachusetts, Michigan, Oregon, Utah, and Washington.)
Insurance companies often consider credit-based insurance scores as part of their underwriting process. A good credit score is generally associated with lower rates, while a poor credit score may result in higher premiums. It’s a good idea to maintain good credit to potentially receive more favorable insurance rates.
Can I use my existing auto insurance when I move to Palm Harbor, Florida?
If you’re moving to Palm Harbor, Florida, you may be able to use your existing auto insurance policy from another state temporarily. Notify your insurance provider about your move and provide them with your new address in Palm Harbor. They can help you adjust your coverage if needed to comply with Florida’s auto insurance regulations.
Can I make changes to my auto insurance policy in Palm Harbor, Florida?
Yes, you can make changes to your auto insurance policy in Palm Harbor, Florida. If you need to adjust your coverage limits, add or remove vehicles, or update your personal information, contact your insurance provider. Keep in mind that some changes may affect your premiums, so it’s a good idea to inquire about any potential cost implications before making modifications.
How can I find the best auto insurance rates in Palm Harbor, Florida?
To find the best auto insurance rates in Palm Harbor, Florida, compare quotes from at least three insurance providers. Contact insurance agents directly or use easy online comparison tools such as our free comparison tool to gather quotes and compare coverage options. Just enter your ZIP code to get started.
Additionally, consider reviewing customer reviews and ratings to assess the reputation and customer service of different insurance companies.
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.