Buy Cheap Port Charlotte, FL Auto Insurance in 2024
Port Charlotte, FL auto insurance rates average $321 a month. Minimum auto insurance requirements in Port Charlotte, Florida are 10/20/10 to comply with Florida laws. To buy cheap auto insurance in Port Charlotte, FL, compare Port Charlotte auto insurance quotes from top companies.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
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
- The most expensive auto insurance company in Port Charlotte after a DUI is Allstate
- Average auto insurance rates in Port Charlotte, FL are $321/month
- The most expensive auto insurance company in Port Charlotte is Allstate
Finding affordable Port Charlotte, Florida auto insurance can be challenging, but everything you need to know to buy cheap Port Charlotte, FL auto insurance with confidence is right here. Auto insurance rates in Port Charlotte are affected by local factors as well as personal ones like your driving record.
See how Port Charlotte, FL car insurance rates compare to Orlando auto insurance rates, Miami auto insurance rates, and Fort Lauderdale auto insurance rates before you read more about the cost of auto insurance in Port Charlotte.
Don’t buy Port Charlotte, FL auto insurance until you’ve compared rates. Get free Port Charlotte, Florida auto insurance quotes when you enter your ZIP code above.
Port Charlotte, FL Minimum Auto Insurance Requirements
The required auto insurance in Port Charlotte, FL is 10/20/10 according to the auto insurance laws in Florida. The minimum auto insurance in Port Charlotte, Florida is outlined here.
Minimum Required Auto Insurance Coverage in Port Charlotte, 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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Find Cheap Port Charlotte, FL Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Port Charlotte, FL. Take a look at Port Charlotte, Florida auto insurance rates by credit history.
Annual Auto Insurance Rates by Credit Score in Port Charlotte, Florida
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $8,384 | $5,321 | $4,325 |
| Geico | $4,623 | $2,793 | $2,094 |
| Liberty Mutual | $5,623 | $4,150 | $3,382 |
| Nationwide | $4,429 | $3,256 | $2,946 |
| Progressive | $6,472 | $4,593 | $3,832 |
| State Farm | $3,621 | $2,380 | $1,955 |
| USAA | $3,617 | $1,775 | $1,292 |
Buy Cheap Port Charlotte, FL Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Port Charlotte, Florida auto insurance rates? Find out how car insurance rates in Port Charlotte, FL are impacted by demographics.
Annual Auto Insurance Rates by Age, Gender, and Marital Status in Port Charlotte, Florida
| 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 | $3,756 | $3,574 | $3,257 | $3,301 | $12,831 | $13,833 | $3,741 | $3,787 |
| Geico | $2,498 | $2,508 | $2,338 | $2,338 | $4,485 | $5,645 | $2,753 | $2,797 |
| Liberty Mutual | $3,065 | $3,065 | $2,816 | $2,816 | $6,369 | $9,760 | $3,065 | $4,122 |
| Nationwide | $2,494 | $2,463 | $2,229 | $2,306 | $5,944 | $7,318 | $2,742 | $2,853 |
| Progressive | $3,323 | $3,137 | $2,864 | $3,060 | $9,337 | $10,184 | $3,996 | $3,823 |
| State Farm | $1,673 | $1,673 | $1,519 | $1,519 | $4,841 | $6,149 | $1,855 | $1,988 |
| USAA | $1,294 | $1,273 | $1,210 | $1,200 | $4,394 | $5,097 | $1,613 | $1,740 |
Buy Cheap Port Charlotte, FL Auto Insurance for Teen Drivers
Auto insurance for teenagers in Port Charlotte can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Port Charlotte, FL are listed here.
Annual Auto Insurance Rates for Teen Drivers in Port Charlotte, Florida
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $12,831 | $13,833 |
| Geico | $4,485 | $5,645 |
| Liberty Mutual | $6,369 | $9,760 |
| Nationwide | $5,944 | $7,318 |
| Progressive | $9,337 | $10,184 |
| State Farm | $4,841 | $6,149 |
| USAA | $4,394 | $5,097 |
Buy Cheap Port Charlotte, FL Auto Insurance for Seniors
You can save on senior auto insurance rates in Port Charlotte, Florida by comparing Port Charlotte senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Port Charlotte, FL here.
Annual Auto Insurance Rates for Senior Drivers in Port Charlotte, Florida
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,257 | $3,301 |
| Geico | $2,338 | $2,338 |
| Liberty Mutual | $2,816 | $2,816 |
| Nationwide | $2,229 | $2,306 |
| Progressive | $2,864 | $3,060 |
| State Farm | $1,519 | $1,519 |
| USAA | $1,210 | $1,200 |
Find Cheap Auto Insurance Rates in Port Charlotte, FL by Coverage Level
The amount of coverage you choose is a big factor in the cost of Port Charlotte, Florida auto insurance. Compare Port Charlotte, FL auto insurance rates by coverage level.
Annual Auto Insurance Rates by Coverage Level in Port Charlotte, Florida
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,812 | $6,282 | $6,935 |
| Geico | $2,609 | $3,281 | $3,621 |
| Liberty Mutual | $4,030 | $4,448 | $4,677 |
| Nationwide | $2,824 | $3,679 | $4,128 |
| Progressive | $4,163 | $5,080 | $5,653 |
| State Farm | $2,282 | $2,713 | $2,962 |
| USAA | $1,925 | $2,306 | $2,452 |
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Find Cheap Port Charlotte, FL Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Port Charlotte. Compare auto insurance rates in Port Charlotte, FL by commute length to see how your daily commute impacts your rates.
Annual Auto Insurance Rates by Commute Length in Port Charlotte, Florida
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,840 | $6,179 |
| Geico | $3,155 | $3,186 |
| Liberty Mutual | $4,246 | $4,524 |
| Nationwide | $3,544 | $3,544 |
| Progressive | $4,966 | $4,966 |
| State Farm | $2,562 | $2,742 |
| USAA | $2,203 | $2,253 |
Find Cheap Port Charlotte, FL Auto Insurance Rates by ZIP Code
Auto insurance rates in Port Charlotte, Florida can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Port Charlotte, FL to see how much where you live in Port Charlotte affects the cost of car insurance.
Annual Auto Insurance Rates by ZIP Code in Port Charlotte, Florida
| ZIP Code | Average Annual Rates |
|---|---|
| 33948 | $2,980 |
| 33953 | $2,980 |
| 33954 | $2,984 |
| 33981 | $2,976 |
Find Cheap Port Charlotte, FL Auto Insurance Rates by Driving Record
Auto insurance rates in Port Charlotte, Florida are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Port Charlotte, FL, take a look at the average cost for various violations versus rates for a clean driving record in Port Charlotte.
Annual Port Charlotte, Florida Auto Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $5,185 | $6,209 | $6,891 | $5,754 |
| Geico | $2,206 | $2,822 | $4,204 | $3,450 |
| Liberty Mutual | $3,177 | $4,108 | $5,936 | $4,318 |
| Nationwide | $3,033 | $3,323 | $4,455 | $3,363 |
| Progressive | $3,923 | $5,797 | $4,882 | $5,260 |
| State Farm | $2,426 | $2,878 | $2,652 | $2,652 |
| USAA | $1,748 | $2,154 | $3,178 | $1,832 |
Find Cheap Port Charlotte, FL Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Port Charlotte, Florida is higher than for a clean driving record. You can buy auto insurance after a DUI in Port Charlotte for less when you shop around and compare rates from multiple Port Charlotte, FL auto insurance companies.
Annual Auto Insurance Rates After a DUI in Port Charlotte, Florida
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,891 |
| Geico | $4,204 |
| Liberty Mutual | $5,936 |
| Nationwide | $4,455 |
| Progressive | $4,882 |
| State Farm | $2,652 |
| USAA | $3,178 |
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Winners by Category: Where to Buy Cheap Auto Insurance in Port Charlotte, FL
Compare rates from the cheapest auto insurance companies in Port Charlotte, FL for your needs. Take a look at how Port Charlotte, Florida auto insurance companies stack up for each category.
Best Annual Auto Insurance Rates by Company in Port Charlotte, Florida
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
Find Cheap Port Charlotte, Florida Auto Insurance Companies
If you’re looking for the cheapest Port Charlotte, FL auto insurance companies overall, you can compare them here. Find the best price for Port Charlotte, Florida car insurance by company.
Average Annual Auto Insurance Rates by Company in Port Charlotte, Florida
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $6,010 |
| Geico | $3,170 |
| Liberty Mutual | $4,385 |
| Nationwide | $3,544 |
| Progressive | $4,966 |
| State Farm | $2,652 |
| USAA | $2,228 |
What affects Port Charlotte, Florida auto insurance rates?
Local factors affect auto insurance rates in Port Charlotte, FL, including traffic, theft statistics, and commute length. Take a look at the things that impact Port Charlotte auto insurance rates.
Commute Times in Port Charlotte
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Port Charlotte, FL is 24.1 minutes according to City-Data.
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Compare Auto Insurance Quotes in Port Charlotte, FL
You can buy cheap Port Charlotte, FL auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Port Charlotte, Florida auto insurance quotes from top companies.
Frequently Asked Questions
Is it possible to find cheap auto insurance in Port Charlotte, FL in 2023?
Yes, it is possible to find affordable auto insurance in Port Charlotte, FL in 2023. However, the availability and cost of insurance can vary depending on factors such as your driving record, the type of vehicle you own, your age, and the coverage options you choose.
What are some tips for finding cheap auto insurance in Port Charlotte, FL?
Here are a few tips to help you find affordable auto insurance:
- Compare quotes from multiple insurance providers to find the best rates.
- Maintain a clean driving record and avoid traffic violations or accidents.
- Consider raising your deductibles, which can lower your premium.
- Look for discounts offered by insurance companies, such as safe driver discounts or multi-policy discounts.
What coverage options should I consider when buying auto insurance in Port Charlotte, FL?
When buying auto insurance, it’s important to consider the following coverage options:
- Liability coverage: This covers damages or injuries to others if you are at fault in an accident.
- Collision coverage: This covers repairs to your vehicle in case of an accident.
- Comprehensive coverage: This covers damages to your vehicle that are not caused by accidents, such as theft, vandalism, or weather-related incidents.
- Personal injury protection (PIP): This covers medical expenses for you and your passengers, regardless of who is at fault in an accident.
What are the pros of buying cheap auto insurance in Port Charlotte, FL?
The pros of buying cheap auto insurance include:
- Lower premium costs, which can save you money.
- Compliance with legal requirements for having auto insurance.
- Protection against financial loss in case of an accident or damage to your vehicle.
What are the cons of buying cheap auto insurance in Port Charlotte, FL?
The cons of buying cheap auto insurance may include:
- Limited coverage options or lower policy limits.
- Higher deductibles, which can result in more out-of-pocket expenses in case of a claim.
- Potential for poor customer service or slower claims processing with some low-cost insurance providers.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed 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.