Port St. Joe, FL Auto Insurance (2024)
The average Port St. Joe, FL auto insurance rates are $318 per month. The minimum auto insurance in Port St. Joe is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Port St. Joe, 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 23, 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 23, 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 average commute length in Port St. Joe is 19.5 minutes
- The most expensive auto insurance company in Port St. Joe for teen drivers is Allstate
- Average auto insurance rates in Port St. Joe, FL for senior drivers are $2,313 per year
Port St. Joe, Florida auto insurance requirements are 10/20/10 according to Florida auto insurance laws. Finding cheap auto insurance in Port St. Joe 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 Port St. Joe, Florida, including driving record, credit, commute time, and more.
Compare auto insurance in Port St. Joe to other Florida cities, including Tallahassee auto insurance rates, Jacksonville auto insurance rates, and Port St. Lucie auto insurance rates to see how Port St. Joe, Florida auto insurance rates stack up.
Before you buy Port St. Joe, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Port St. Joe, Florida auto insurance quotes.
Minimum Auto Insurance in Port St. Joe, Florida
Port St. Joe, 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 Port St. Joe, 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 Port St. Joe, Florida Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Port St. Joe, 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 | $3,676 | $3,548 | $3,198 | $3,271 | $12,757 | $13,874 | $3,778 | $3,870 |
| Geico | $2,544 | $2,556 | $2,380 | $2,380 | $4,545 | $5,719 | $2,804 | $2,851 |
| Liberty Mutual | $2,967 | $2,967 | $2,725 | $2,725 | $6,190 | $9,495 | $2,967 | $3,995 |
| Nationwide | $2,392 | $2,380 | $2,131 | $2,218 | $5,680 | $7,082 | $2,637 | $2,774 |
| Progressive | $3,022 | $2,868 | $2,609 | $2,796 | $8,353 | $9,205 | $3,646 | $3,552 |
| State Farm | $1,719 | $1,719 | $1,546 | $1,546 | $4,900 | $6,272 | $1,898 | $2,054 |
| USAA | $1,557 | $1,540 | $1,426 | $1,433 | $5,125 | $6,036 | $1,963 | $2,141 |
Cheap Port St. Joe, Florida Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Port St. Joe, Florida is a challenge. Take a look at the annual teen auto insurance rates in Port St. Joe, Florida.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $12,757 | $13,874 |
| Geico | $4,545 | $5,719 |
| Liberty Mutual | $6,190 | $9,495 |
| Nationwide | $5,680 | $7,082 |
| Progressive | $8,353 | $9,205 |
| State Farm | $4,900 | $6,272 |
| USAA | $5,125 | $6,036 |
Cheap Port St. Joe, Florida Auto Insurance for Seniors
What are senior auto insurance rates in Port St. Joe, 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 | $3,198 | $3,271 |
| Geico | $2,380 | $2,380 |
| Liberty Mutual | $2,725 | $2,725 |
| Nationwide | $2,131 | $2,218 |
| Progressive | $2,609 | $2,796 |
| State Farm | $1,546 | $1,546 |
| USAA | $1,426 | $1,433 |
Cheap Port St. Joe, 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 Port St. Joe, Florida compared to the annual auto insurance rates with a clean record in Port St. Joe, Florida.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $5,177 | $6,164 | $6,896 | $5,750 |
| Geico | $2,251 | $2,871 | $4,264 | $3,504 |
| Liberty Mutual | $3,107 | $3,993 | $5,725 | $4,191 |
| Nationwide | $2,946 | $3,205 | $4,246 | $3,249 |
| Progressive | $3,575 | $5,253 | $4,424 | $4,774 |
| State Farm | $2,486 | $2,927 | $2,707 | $2,707 |
| USAA | $2,109 | $2,566 | $3,732 | $2,203 |
Cheap Port St. Joe, Florida Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Port St. Joe, Florida is not easy. Compare the annual rates for DUI auto insurance in Port St. Joe, Florida to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,896 |
| Geico | $4,264 |
| Liberty Mutual | $5,725 |
| Nationwide | $4,246 |
| Progressive | $4,424 |
| State Farm | $2,707 |
| USAA | $3,732 |
Cheap Port St. Joe, Florida Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Port St. Joe, Florida annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $8,309 | $5,321 | $4,360 |
| Geico | $4,686 | $2,843 | $2,139 |
| Liberty Mutual | $5,461 | $4,025 | $3,277 |
| Nationwide | $4,263 | $3,133 | $2,839 |
| Progressive | $5,886 | $4,163 | $3,470 |
| State Farm | $3,653 | $2,441 | $2,026 |
| USAA | $4,377 | $2,083 | $1,498 |
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Cheap Port St. Joe, Florida Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Port St. Joe, Florida can vary. Compare the annual cost of auto insurance by ZIP code in Port St. Joe, Florida to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 32456 | $2,945 |
Cheap Port St. Joe, Florida Auto Insurance Rates By Commute
Commute length and annual mileage affect Port St. Joe, Florida auto insurance. Find the cheapest annual Port St. Joe, Florida auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $5,822 | $6,171 |
| Geico | $3,207 | $3,238 |
| Liberty Mutual | $4,119 | $4,389 |
| Nationwide | $3,412 | $3,412 |
| Progressive | $4,506 | $4,506 |
| State Farm | $2,617 | $2,797 |
| USAA | $2,622 | $2,683 |
Cheap Port St. Joe, Florida Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Port St. Joe, Florida? Check out the comparison of annual Port St. Joe, Florida auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,884 | $6,248 | $6,858 |
| Geico | $2,714 | $3,323 | $3,630 |
| Liberty Mutual | $3,946 | $4,313 | $4,504 |
| Nationwide | $2,778 | $3,532 | $3,926 |
| Progressive | $3,902 | $4,593 | $5,024 |
| State Farm | $2,367 | $2,761 | $2,992 |
| USAA | $2,363 | $2,728 | $2,868 |
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Best By Category: Cheapest Auto Insurance in Port St. Joe, Florida
Compare the cheapest auto insurance companies in Port St. Joe, 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 Port St. Joe, Florida Auto Insurance Companies
What auto insurance companies in Port St. Joe, Florida are the cheapest? Compare the top Port St. Joe, Florida auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,997 |
| Geico | $3,223 |
| Liberty Mutual | $4,254 |
| Nationwide | $3,412 |
| Progressive | $4,506 |
| State Farm | $2,707 |
| USAA | $2,653 |
What affects auto insurance rates in Port St. Joe, Florida?
There are a lot of reasons why auto insurance rates in Port St. Joe, Florida are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Port St. Joe, Florida. Many local factors may affect your Port St. Joe auto insurance rates.
Port St. Joe Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Port St. Joe, Florida auto theft statistics, there have been 1 auto thefts in the city.
Port St. Joe Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Port St. Joe, Florida commute length is 19.5 minutes according to City-Data.
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Compare Port St. Joe, Florida Auto Insurance Quotes
Before you buy Port St. Joe, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Port St. Joe, Florida auto insurance quotes.
Frequently Asked Questions
What is Port St. Joe, FL auto insurance?
Port St. Joe, FL auto insurance refers to the insurance coverage required for vehicles registered and operated in Port St. Joe, Florida. It provides financial protection in case of accidents, damage, theft, or other covered events involving your vehicle.
What types of auto insurance coverage are available in Port St. Joe, FL?
The common types of auto insurance coverage available in Port St. Joe, FL include liability coverage, which is mandatory and covers injuries and property damage to others, as well as optional coverages like collision, comprehensive, uninsured/underinsured motorist, and medical payments coverage.
Is auto insurance mandatory in Port St. Joe, FL?
Yes, auto insurance is mandatory in Port St. Joe, FL, as it is in the rest of Florida. The state requires drivers to carry a minimum amount of liability coverage to protect against financial responsibility for injuries or property damage caused by an accident.
What are the minimum liability insurance requirements in Port St. Joe, FL?
The minimum liability insurance requirements in Port St. Joe, FL are as follows:
- $10,000 bodily injury liability per person
- $20,000 bodily injury liability per accident
- $10,000 property damage liability per accident
Can I purchase additional auto insurance coverage in Port St. Joe, FL?
Yes, you can purchase additional auto insurance coverage beyond the minimum requirements in Port St. Joe, FL. Optional coverages like collision, comprehensive, uninsured/underinsured motorist, and medical payments coverage can provide enhanced protection for your vehicle and yourself.
How can I find the best auto insurance in Port St. Joe, FL?
To find the best auto insurance in Port St. Joe, FL, consider these steps:
- Shop around and compare quotes from multiple insurance companies.
- Assess the coverage options, limits, and deductibles offered by each insurer.
- Check the financial stability and reputation of the insurance companies.
- Read customer reviews and ratings to evaluate their customer service.
- Take into account any discounts or special features that may be available.
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.