Buy Cheap Baker, FL Auto Insurance in 2024
Baker, FL auto insurance rates average $314 a month. Minimum auto insurance requirements in Baker, Florida are 10/20/10 to comply with Florida laws. To buy cheap auto insurance in Baker, FL, compare Baker auto insurance quotes from top companies.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
UPDATED: Aug 26, 2024
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 auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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: Aug 26, 2024
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 auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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 Baker, FL after a DUI are $4,491/year
- The most expensive auto insurance company in Baker after a DUI is Allstate
- The most expensive auto insurance company in Baker is Allstate
Finding affordable Baker, Florida auto insurance can be challenging, but everything you need to know to buy cheap Baker, FL auto insurance with confidence is right here. Auto insurance rates in Baker are affected by local factors as well as personal ones like your driving record.
See how Baker, FL car insurance rates compare to Tallahassee auto insurance rates, Orlando auto insurance rates, and Hialeah auto insurance rates before you read more about the cost of auto insurance in Baker.
Don’t buy Baker, FL auto insurance until you’ve compared rates. Get free Baker, Florida auto insurance quotes when you enter your ZIP code above.
Baker, FL Minimum Auto Insurance Requirements
The required auto insurance in Baker, FL is 10/20/10 according to the auto insurance laws in Florida. The minimum auto insurance in Baker, Florida is outlined here.
| 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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Find Cheap Baker, FL Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Baker, FL. Take a look at Baker, Florida auto insurance rates by credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $8,725 | $5,530 | $4,495 |
| Geico | $4,677 | $2,825 | $2,117 |
| Liberty Mutual | $5,464 | $4,027 | $3,278 |
| Nationwide | $4,156 | $3,063 | $2,777 |
| Progressive | $5,647 | $3,997 | $3,335 |
| State Farm | $3,449 | $2,305 | $1,913 |
| USAA | $3,963 | $1,908 | $1,379 |
Buy Cheap Baker, FL Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Baker, Florida auto insurance rates? Find out how car insurance rates in Baker, FL are impacted by demographics.
| 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 | $3,967 | $3,760 | $3,418 | $3,458 | $13,238 | $14,184 | $3,963 | $4,011 |
| Geico | $2,514 | $2,526 | $2,353 | $2,353 | $4,542 | $5,757 | $2,776 | $2,830 |
| Liberty Mutual | $2,968 | $2,968 | $2,725 | $2,725 | $6,197 | $9,506 | $2,968 | $3,993 |
| Nationwide | $2,342 | $2,326 | $2,092 | $2,172 | $5,550 | $6,890 | $2,579 | $2,704 |
| Progressive | $2,894 | $2,759 | $2,506 | $2,678 | $8,013 | $8,824 | $3,501 | $3,438 |
| State Farm | $1,624 | $1,624 | $1,472 | $1,472 | $4,615 | $5,910 | $1,791 | $1,936 |
| USAA | $1,415 | $1,397 | $1,307 | $1,307 | $4,699 | $5,497 | $1,779 | $1,932 |
Buy Cheap Baker, FL Auto Insurance for Teen Drivers
Auto insurance for teenagers in Baker can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Baker, FL are listed here.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $13,238 | $14,184 |
| Geico | $4,542 | $5,757 |
| Liberty Mutual | $6,197 | $9,506 |
| Nationwide | $5,550 | $6,890 |
| Progressive | $8,013 | $8,824 |
| State Farm | $4,615 | $5,910 |
| USAA | $4,699 | $5,497 |
Buy Cheap Baker, FL Auto Insurance for Seniors
You can save on senior auto insurance rates in Baker, Florida by comparing Baker senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Baker, FL here.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,418 | $3,458 |
| Geico | $2,353 | $2,353 |
| Liberty Mutual | $2,725 | $2,725 |
| Nationwide | $2,092 | $2,172 |
| Progressive | $2,506 | $2,678 |
| State Farm | $1,472 | $1,472 |
| USAA | $1,307 | $1,307 |
Find Cheap Auto Insurance Rates in Baker, FL by Coverage Level
The amount of coverage you choose is a big factor in the cost of Baker, Florida auto insurance. Compare Baker, FL auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,137 | $6,502 | $7,111 |
| Geico | $2,726 | $3,307 | $3,586 |
| Liberty Mutual | $3,941 | $4,315 | $4,512 |
| Nationwide | $2,709 | $3,451 | $3,836 |
| Progressive | $3,788 | $4,407 | $4,785 |
| State Farm | $2,202 | $2,610 | $2,856 |
| USAA | $2,140 | $2,488 | $2,622 |
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Find Cheap Baker, FL Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Baker. Compare auto insurance rates in Baker, FL by commute length to see how your daily commute impacts your rates.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $6,070 | $6,430 |
| Geico | $3,190 | $3,222 |
| Liberty Mutual | $4,121 | $4,391 |
| Nationwide | $3,332 | $3,332 |
| Progressive | $4,326 | $4,326 |
| State Farm | $2,473 | $2,638 |
| USAA | $2,389 | $2,444 |
Find Cheap Baker, FL Auto Insurance Rates by Driving Record
Auto insurance rates in Baker, Florida are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Baker, FL, take a look at the average cost for various violations versus rates for a clean driving record in Baker.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $5,410 | $6,459 | $7,143 | $5,988 |
| Geico | $2,233 | $2,854 | $4,249 | $3,488 |
| Liberty Mutual | $3,151 | $4,009 | $5,670 | $4,196 |
| Nationwide | $2,871 | $3,129 | $4,156 | $3,171 |
| Progressive | $3,451 | $5,030 | $4,246 | $4,579 |
| State Farm | $2,347 | $2,764 | $2,556 | $2,556 |
| USAA | $1,913 | $2,338 | $3,414 | $2,001 |
Find Cheap Baker, FL Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Baker, Florida is higher than for a clean driving record. You can buy auto insurance after a DUI in Baker for less when you shop around and compare rates from multiple Baker, FL auto insurance companies.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $7,143 |
| Geico | $4,249 |
| Liberty Mutual | $5,670 |
| Nationwide | $4,156 |
| Progressive | $4,246 |
| State Farm | $2,556 |
| USAA | $3,414 |
Winners by Category: Where to Buy Cheap Auto Insurance in Baker, FL
Compare rates from the cheapest auto insurance companies in Baker, FL for your needs. Take a look at how Baker, Florida auto insurance companies stack up for each category.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
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Find Cheap Baker, Florida Auto Insurance Companies
If you’re looking for the cheapest Baker, FL auto insurance companies overall, you can compare them here. Find the best price for Baker, Florida car insurance by company.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $6,250 |
| Geico | $3,206 |
| Liberty Mutual | $4,256 |
| Nationwide | $3,332 |
| Progressive | $4,326 |
| State Farm | $2,556 |
| USAA | $2,417 |
What affects Baker, Florida auto insurance rates?
Local factors affect auto insurance rates in Baker, FL, including traffic, theft statistics, and commute length. Take a look at the things that impact Baker auto insurance rates.
Commute Times in Baker
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Baker, FL is 24.4 minutes according to City-Data.
Traffic in Baker
How is traffic in Baker, Florida? Inrix data shows that Baker, FL traffic makes it the 208th-most congested city compared to other cities worldwide.
Compare Auto Insurance Quotes in Baker, FL
You can buy cheap Baker, FL auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Baker, Florida auto insurance quotes from top companies.
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Frequently Asked Questions
What factors should I consider when buying auto insurance in Baker, FL?
When buying auto insurance in Baker, FL, there are several factors to consider. These include the coverage options you need, your budget, the insurance company’s reputation and customer service, the deductible amount, and the minimum coverage requirements set by the state of Florida.
How can I find cheap auto insurance in Baker, FL?
To find cheap auto insurance in Baker, FL, consider the following steps:
- Shop around: Get quotes from multiple insurance companies to compare prices and coverage options.
- Bundle policies: Some insurers offer discounts if you bundle your auto insurance with other policies such as home or renter’s insurance.
- Maintain a good driving record: A clean driving record with no accidents or traffic violations can help you qualify for lower premiums.
- Increase deductibles: Choosing a higher deductible can lower your premium, but make sure you can afford the out-of-pocket expenses if you need to file a claim.
- Check for discounts: Inquire about discounts for factors like safe driving, vehicle safety features, good student grades, or completing a defensive driving course.
What are the minimum auto insurance requirements in Baker, FL?
In Baker, FL, the minimum auto insurance requirements, as mandated by the state, include:
- $10,000 in personal injury protection (PIP) coverage
- $10,000 in property damage liability (PDL) coverage
What other types of coverage should I consider besides the minimum requirements?
While the minimum requirements provide basic coverage, it is often advisable to consider additional coverage options for better protection. These may include:
- Bodily injury liability (BIL) coverage: This coverage pays for medical expenses and lost wages for others involved in an accident you cause.
- Uninsured/underinsured motorist coverage: Protects you if you are involved in an accident with a driver who has no insurance or insufficient coverage.
- Collision coverage: Pays for repairs or replacement of your vehicle in case of an accident, regardless of fault.
- Comprehensive coverage: Covers damages to your vehicle caused by non-accident events like theft, vandalism, or natural disasters.
- Medical payments coverage: Covers medical expenses for you and your passengers, regardless of fault.
How does my credit score affect my auto insurance rates in Baker, FL?
In Baker, FL, auto insurance companies may consider your credit score when determining your insurance rates. A good credit score can often lead to lower premiums, as it is seen as an indicator of responsible financial behavior. On the other hand, a poor credit score may result in higher insurance rates.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
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.