Sarasota, FL Auto Insurance (2024)
The average Sarasota, FL auto insurance rates are $342 per month. The minimum auto insurance in Sarasota is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Sarasota, 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
- Average auto insurance rates in Sarasota, FL for senior drivers are $2,485 per year
- The cheapest auto insurance company in Sarasota is USAA
- The most expensive auto insurance company in Sarasota for teen drivers is Allstate
Sarasota, Florida auto insurance requirements are 10/20/10 according to Florida auto insurance laws. Finding cheap auto insurance in Sarasota 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 Sarasota, Florida, including driving record, credit, commute time, and more.
Compare auto insurance in Sarasota to other Florida cities, including Tampa auto insurance rates, St. Petersburg auto insurance rates, and Cape Coral auto insurance rates to see how Sarasota, Florida auto insurance rates stack up.
Before you buy Sarasota, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Sarasota, Florida auto insurance quotes.
Minimum Auto Insurance in Sarasota, Florida
Sarasota, 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 Sarasota, 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 Sarasota, Florida Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Sarasota, 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 | $3,925 | $3,743 | $3,404 | $3,455 | $13,359 | $14,429 | $3,935 | $3,991 |
| Geico | $2,741 | $2,750 | $2,566 | $2,566 | $4,943 | $6,205 | $3,022 | $3,060 |
| Liberty Mutual | $3,211 | $3,211 | $2,948 | $2,948 | $6,713 | $10,307 | $3,211 | $4,332 |
| Nationwide | $2,559 | $2,531 | $2,286 | $2,366 | $6,169 | $7,619 | $2,820 | $2,942 |
| Progressive | $3,380 | $3,190 | $2,915 | $3,111 | $9,607 | $10,466 | $4,064 | $3,890 |
| State Farm | $1,780 | $1,780 | $1,618 | $1,618 | $5,226 | $6,658 | $1,977 | $2,121 |
| USAA | $1,609 | $1,580 | $1,505 | $1,490 | $5,562 | $6,460 | $2,008 | $2,164 |
Cheap Sarasota, Florida Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Sarasota, Florida is a challenge. Take a look at the annual teen auto insurance rates in Sarasota, Florida.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $13,359 | $14,429 |
| Geico | $4,943 | $6,205 |
| Liberty Mutual | $6,713 | $10,307 |
| Nationwide | $6,169 | $7,619 |
| Progressive | $9,607 | $10,466 |
| State Farm | $5,226 | $6,658 |
| USAA | $5,562 | $6,460 |
Cheap Sarasota, Florida Auto Insurance for Seniors
What are senior auto insurance rates in Sarasota, 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 | $3,404 | $3,455 |
| Geico | $2,566 | $2,566 |
| Liberty Mutual | $2,948 | $2,948 |
| Nationwide | $2,286 | $2,366 |
| Progressive | $2,915 | $3,111 |
| State Farm | $1,618 | $1,618 |
| USAA | $1,505 | $1,490 |
Cheap Sarasota, 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 Sarasota, Florida compared to the annual auto insurance rates with a clean record in Sarasota, Florida.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $5,425 | $6,481 | $7,198 | $6,016 |
| Geico | $2,407 | $3,093 | $4,634 | $3,793 |
| Liberty Mutual | $3,324 | $4,315 | $6,263 | $4,539 |
| Nationwide | $3,133 | $3,430 | $4,607 | $3,476 |
| Progressive | $3,997 | $5,940 | $4,990 | $5,384 |
| State Farm | $2,601 | $3,093 | $2,847 | $2,847 |
| USAA | $2,181 | $2,702 | $4,018 | $2,289 |
Cheap Sarasota, Florida Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Sarasota, Florida is not easy. Compare the annual rates for DUI auto insurance in Sarasota, Florida to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $7,198 |
| Geico | $4,634 |
| Liberty Mutual | $6,263 |
| Nationwide | $4,607 |
| Progressive | $4,990 |
| State Farm | $2,847 |
| USAA | $4,018 |
Cheap Sarasota, Florida Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Sarasota, Florida annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $8,754 | $5,562 | $4,525 |
| Geico | $5,099 | $3,062 | $2,284 |
| Liberty Mutual | $5,922 | $4,361 | $3,547 |
| Nationwide | $4,572 | $3,365 | $3,048 |
| Progressive | $6,605 | $4,700 | $3,929 |
| State Farm | $3,902 | $2,551 | $2,089 |
| USAA | $4,540 | $2,230 | $1,622 |
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Cheap Sarasota, Florida Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Sarasota, Florida can vary. Compare the annual cost of auto insurance by ZIP code in Sarasota, Florida to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 34236 | $3,135 |
| 34237 | $3,179 |
| 34238 | $3,139 |
| 34239 | $3,144 |
| 34240 | $3,220 |
| 34241 | $3,084 |
| 34242 | $3,107 |
| 34243 | $3,225 |
Cheap Sarasota, Florida Auto Insurance Rates By Commute
Commute length and annual mileage affect Sarasota, Florida auto insurance. Find the cheapest annual Sarasota, Florida auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $6,100 | $6,461 |
| Geico | $3,465 | $3,499 |
| Liberty Mutual | $4,463 | $4,757 |
| Nationwide | $3,662 | $3,662 |
| Progressive | $5,078 | $5,078 |
| State Farm | $2,751 | $2,944 |
| USAA | $2,766 | $2,829 |
Cheap Sarasota, Florida Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Sarasota, Florida? Check out the comparison of annual Sarasota, Florida auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,061 | $6,555 | $7,224 |
| Geico | $2,847 | $3,605 | $3,993 |
| Liberty Mutual | $4,234 | $4,679 | $4,917 |
| Nationwide | $2,936 | $3,798 | $4,250 |
| Progressive | $4,280 | $5,194 | $5,760 |
| State Farm | $2,435 | $2,916 | $3,191 |
| USAA | $2,412 | $2,898 | $3,083 |
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Best By Category: Cheapest Auto Insurance in Sarasota, Florida
Compare the cheapest auto insurance companies in Sarasota, 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 Sarasota, Florida Auto Insurance Companies
What auto insurance companies in Sarasota, Florida are the cheapest? Compare the top Sarasota, Florida auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $6,280 |
| Geico | $3,482 |
| Liberty Mutual | $4,610 |
| Nationwide | $3,662 |
| Progressive | $5,078 |
| State Farm | $2,847 |
| USAA | $2,797 |
What affects auto insurance rates in Sarasota, Florida?
There are a lot of reasons why auto insurance rates in Sarasota, Florida are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Sarasota, Florida. Many local factors may affect your Sarasota auto insurance rates.
Sarasota Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Sarasota, Florida auto theft statistics, there have been 134 auto thefts in the city.
Sarasota Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Sarasota, Florida commute length is 24.4 minutes according to City-Data.
Sarasota Traffic
How does Sarasota, Florida rank for traffic? According to Inrix Sarasota, Florida is the 173rd most congested worldwide.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Compare Sarasota, Florida Auto Insurance Quotes
Before you buy Sarasota, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Sarasota, Florida auto insurance quotes.
Frequently Asked Questions
How does commute length affect auto insurance rates in Sarasota, FL?
Commute length and annual mileage can impact auto insurance rates in Sarasota, FL. Longer commutes may result in higher insurance rates compared to shorter commutes.
How does coverage level affect auto insurance rates in Sarasota, FL?
The coverage level you select can affect the cost of auto insurance in Sarasota, FL. Higher coverage levels typically come with higher insurance rates.
What are the average auto insurance rates in Sarasota, FL?
The average auto insurance rates in Sarasota, FL are $342 per month.
What is the minimum auto insurance coverage required in Sarasota, FL?
The minimum auto insurance coverage required in Sarasota, FL is 10/20/10, which means $10,000 bodily injury liability coverage per person, $20,000 bodily injury liability coverage per accident, and $10,000 property damage liability coverage.
Which company offers the most expensive auto insurance for teen drivers in Sarasota, FL?
The most expensive auto insurance company for teen drivers in Sarasota, FL is Allstate.
How does credit history affect auto insurance rates in Sarasota, FL
Credit history can have a major effect on the cost of auto insurance in Sarasota, FL. Poor credit history can result in higher insurance rates compared to having a good credit score.
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.