Sebring, FL Auto Insurance (2024)
The average Sebring, FL auto insurance rates are $341 per month. The minimum auto insurance in Sebring is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Sebring, 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 minimum auto insurance required in Sebring, Florida is 10/20/10
- Average auto insurance rates in Sebring, FL for senior drivers are $2,477 per year
- The average commute length in Sebring is 18.9 minutes
Sebring, Florida auto insurance requirements are 10/20/10 according to Florida auto insurance laws. Finding cheap auto insurance in Sebring 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 Sebring, Florida, including driving record, credit, commute time, and more.
Compare auto insurance in Sebring to other Florida cities, including Tampa auto insurance rates, Cape Coral auto insurance rates, and Port St. Lucie auto insurance rates to see how Sebring, Florida auto insurance rates stack up.
Before you buy Sebring, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Sebring, Florida auto insurance quotes.
Minimum Auto Insurance in Sebring, Florida
Sebring, 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 Sebring, 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 Sebring, Florida Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Sebring, 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 | $4,065 | $3,893 | $3,549 | $3,610 | $14,200 | $15,435 | $4,052 | $4,111 |
| Geico | $2,715 | $2,726 | $2,543 | $2,543 | $4,842 | $6,066 | $2,989 | $3,030 |
| Liberty Mutual | $3,147 | $3,147 | $2,890 | $2,890 | $6,566 | $10,071 | $3,147 | $4,240 |
| Nationwide | $2,512 | $2,482 | $2,248 | $2,325 | $5,977 | $7,354 | $2,761 | $2,872 |
| Progressive | $3,483 | $3,288 | $2,983 | $3,196 | $9,619 | $10,477 | $4,192 | $4,010 |
| State Farm | $1,695 | $1,695 | $1,532 | $1,532 | $4,838 | $6,165 | $1,875 | $2,015 |
| USAA | $1,530 | $1,503 | $1,426 | $1,415 | $5,263 | $6,126 | $1,912 | $2,065 |
Cheap Sebring, Florida Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Sebring, Florida is a challenge. Take a look at the annual teen auto insurance rates in Sebring, Florida.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $14,200 | $15,435 |
| Geico | $4,842 | $6,066 |
| Liberty Mutual | $6,566 | $10,071 |
| Nationwide | $5,977 | $7,354 |
| Progressive | $9,619 | $10,477 |
| State Farm | $4,838 | $6,165 |
| USAA | $5,263 | $6,126 |
Cheap Sebring, Florida Auto Insurance for Seniors
What are senior auto insurance rates in Sebring, 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 | $3,549 | $3,610 |
| Geico | $2,543 | $2,543 |
| Liberty Mutual | $2,890 | $2,890 |
| Nationwide | $2,248 | $2,325 |
| Progressive | $2,983 | $3,196 |
| State Farm | $1,532 | $1,532 |
| USAA | $1,426 | $1,415 |
Cheap Sebring, 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 Sebring, Florida compared to the annual auto insurance rates with a clean record in Sebring, Florida.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $5,692 | $6,830 | $7,605 | $6,330 |
| Geico | $2,393 | $3,056 | $4,545 | $3,733 |
| Liberty Mutual | $3,268 | $4,228 | $6,110 | $4,444 |
| Nationwide | $3,055 | $3,344 | $4,481 | $3,386 |
| Progressive | $4,086 | $6,008 | $5,070 | $5,460 |
| State Farm | $2,447 | $2,890 | $2,668 | $2,668 |
| USAA | $2,076 | $2,565 | $3,802 | $2,177 |
Cheap Sebring, Florida Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Sebring, Florida is not easy. Compare the annual rates for DUI auto insurance in Sebring, Florida to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $7,605 |
| Geico | $4,545 |
| Liberty Mutual | $6,110 |
| Nationwide | $4,481 |
| Progressive | $5,070 |
| State Farm | $2,668 |
| USAA | $3,802 |
Cheap Sebring, Florida Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Sebring, Florida annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $9,234 | $5,855 | $4,754 |
| Geico | $4,994 | $3,026 | $2,275 |
| Liberty Mutual | $5,792 | $4,269 | $3,476 |
| Nationwide | $4,457 | $3,277 | $2,965 |
| Progressive | $6,744 | $4,767 | $3,957 |
| State Farm | $3,618 | $2,402 | $1,985 |
| USAA | $4,318 | $2,112 | $1,535 |
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Cheap Sebring, Florida Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Sebring, Florida can vary. Compare the annual cost of auto insurance by ZIP code in Sebring, Florida to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 33870 | $3,149 |
| 33872 | $3,149 |
| 33875 | $3,149 |
| 33876 | $3,149 |
Cheap Sebring, Florida Auto Insurance Rates By Commute
Commute length and annual mileage affect Sebring, Florida auto insurance. Find the cheapest annual Sebring, Florida auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $6,428 | $6,801 |
| Geico | $3,415 | $3,448 |
| Liberty Mutual | $4,369 | $4,656 |
| Nationwide | $3,566 | $3,566 |
| Progressive | $5,156 | $5,156 |
| State Farm | $2,578 | $2,758 |
| USAA | $2,625 | $2,685 |
Cheap Sebring, Florida Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Sebring, Florida? Check out the comparison of annual Sebring, Florida auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,101 | $6,958 | $7,784 |
| Geico | $2,830 | $3,547 | $3,919 |
| Liberty Mutual | $4,157 | $4,577 | $4,803 |
| Nationwide | $2,821 | $3,707 | $4,171 |
| Progressive | $4,386 | $5,266 | $5,815 |
| State Farm | $2,309 | $2,727 | $2,969 |
| USAA | $2,290 | $2,750 | $2,925 |
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Best By Category: Cheapest Auto Insurance in Sebring, Florida
Compare the cheapest auto insurance companies in Sebring, 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 Sebring, Florida Auto Insurance Companies
What auto insurance companies in Sebring, Florida are the cheapest? Compare the top Sebring, Florida auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $6,614 |
| Geico | $3,432 |
| Liberty Mutual | $4,512 |
| Nationwide | $3,566 |
| Progressive | $5,156 |
| State Farm | $2,668 |
| USAA | $2,655 |
What affects auto insurance rates in Sebring, Florida?
There are a lot of reasons why auto insurance rates in Sebring, Florida are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Sebring, Florida. Many local factors may affect your Sebring auto insurance rates.
Sebring Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Sebring, Florida auto theft statistics, there have been 10 auto thefts in the city.
Sebring Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Sebring, Florida commute length is 18.9 minutes according to City-Data.
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Compare Sebring, Florida Auto Insurance Quotes
Before you buy Sebring, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Sebring, Florida auto insurance quotes.
Frequently Asked Questions
What are the minimum auto insurance requirements in Sebring, Florida?
The minimum auto insurance requirements in Sebring, Florida, according to state 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 can I find the best cheap auto insurance in Sebring, Florida?
To find the best cheap auto insurance in Sebring, Florida, it is recommended to compare quotes from multiple companies. By comparing rates, you can find the most affordable options that meet your coverage needs.
How do factors like age, gender, and marital status affect auto insurance rates in Sebring, Florida?
Factors like age, gender, and marital status can impact auto insurance rates in Sebring, Florida. Younger drivers, particularly teenagers, tend to have higher rates due to their lack of driving experience. Male drivers may have higher rates compared to females, and unmarried individuals might also face slightly higher premiums.
Are there specific auto insurance rates for teen drivers in Sebring, Florida?
Yes, auto insurance rates for teen drivers in Sebring, Florida are generally higher compared to older and more experienced drivers. Teenagers are considered higher risk due to their limited driving experience. However, rates can vary depending on factors such as the type of vehicle and the teen’s driving record.
What are the auto insurance rates for seniors in Sebring, Florida?
Auto insurance rates for seniors in Sebring, Florida can vary depending on various factors such as driving record, type of vehicle, and coverage needs. Generally, seniors with a clean driving record and safe driving habits may qualify for lower rates compared to those with accidents or violations on their record.
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.