Buy Cheap Key Largo, FL Auto Insurance (2021)

Key Largo, FL auto insurance rates average $377 a month. Minimum auto insurance requirements in Key Largo, Florida are 10/20/10 to comply with Florida laws. To buy cheap auto insurance in Key Largo, FL, compare Key Largo auto insurance quotes from top companies.

Compare Quotes Now

 Secured with SHA-256 Encryption

Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

Full Bio →

Written by

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

Full Bio →

Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

Advertiser Disclosure

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.

A Concise Overview

  • The most expensive auto insurance company in Key Largo is Allstate
  • Average auto insurance rates in Key Largo, FL are $377/month
  • Average auto insurance rates in Key Largo, FL after a DUI are $5,405/year

Finding affordable Key Largo, Florida auto insurance can be challenging, but everything you need to know to buy cheap Key Largo, FL auto insurance with confidence is right here. Auto insurance rates in Key Largo are affected by local factors as well as personal ones like your driving record.

See how Key Largo, FL car insurance rates compare to Tallahassee auto insurance rates, Fort Lauderdale auto insurance rates, and Miami auto insurance rates before you read more about the cost of auto insurance in Key Largo.

Don’t buy Key Largo, FL auto insurance until you’ve compared rates. Get free Key Largo, Florida auto insurance quotes when you enter your ZIP code above.

Key Largo, FL Minimum Auto Insurance Requirements

The required auto insurance in Key Largo, FL is 10/20/10 according to the auto insurance laws in Florida. The minimum auto insurance in Key Largo, Florida is outlined here.

Minimum Required Auto Insurance Coverage in Key Largo, 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

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap Key Largo, FL Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Key Largo, FL. Take a look at Key Largo, Florida auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Key Largo, Florida

Insurance Company Poor Fair Good
Allstate $9,967 $6,378 $5,205
GEICO $5,586 $3,427 $2,602
Liberty Mutual $6,590 $4,830 $3,913
Nationwide $5,247 $3,857 $3,497
Progressive $6,618 $4,737 $3,978
State Farm $5,012 $3,285 $2,693
USAA $4,083 $2,009 $1,470

Buy Cheap Key Largo, FL Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Key Largo, Florida auto insurance rates? Find out how car insurance rates in Key Largo, FL are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Key Largo, 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 $4,284 $4,114 $3,735 $3,815 $15,698 $17,137 $4,303 $4,382
GEICO $3,037 $3,062 $2,838 $2,838 $5,433 $6,950 $3,359 $3,456
Liberty Mutual $3,534 $3,534 $3,237 $3,237 $7,485 $11,536 $3,534 $4,793
Nationwide $2,917 $2,901 $2,593 $2,698 $7,060 $8,811 $3,227 $3,395
Progressive $3,341 $3,173 $2,890 $3,095 $9,662 $10,688 $4,061 $3,979
State Farm $2,290 $2,290 $2,067 $2,067 $6,728 $8,581 $2,545 $2,737
USAA $1,460 $1,439 $1,352 $1,351 $4,941 $5,792 $1,835 $1,994

Buy Cheap Key Largo, FL Auto Insurance for Teen Drivers

Auto insurance for teenagers in Key Largo can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Key Largo, FL are listed here.

Annual Auto Insurance Rates for Teen Drivers in Key Largo, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $15,698 $17,137
GEICO $5,433 $6,950
Liberty Mutual $7,485 $11,536
Nationwide $7,060 $8,811
Progressive $9,662 $10,688
State Farm $6,728 $8,581
USAA $4,941 $5,792

Buy Cheap Key Largo, FL Auto Insurance for Seniors

You can save on senior auto insurance rates in Key Largo, Florida by comparing Key Largo senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Key Largo, FL here.

Annual Auto Insurance Rates for Senior Drivers in Key Largo, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,735 $3,815
GEICO $2,838 $2,838
Liberty Mutual $3,237 $3,237
Nationwide $2,593 $2,698
Progressive $2,890 $3,095
State Farm $2,067 $2,067
USAA $1,352 $1,351

Find Cheap Auto Insurance Rates in Key Largo, FL by Coverage Level

The amount of coverage you choose is a big factor in the cost of Key Largo, Florida auto insurance. Compare Key Largo, FL auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Key Largo, Florida

Insurance Company Low Medium High
Allstate $5,615 $7,545 $8,390
GEICO $3,115 $4,016 $4,483
Liberty Mutual $4,722 $5,187 $5,424
Nationwide $3,326 $4,364 $4,910
Progressive $4,404 $5,215 $5,715
State Farm $3,159 $3,747 $4,083
USAA $2,169 $2,613 $2,780

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap Key Largo, FL Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Key Largo. Compare auto insurance rates in Key Largo, FL by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Key Largo, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,983 $7,384
GEICO $3,851 $3,892
Liberty Mutual $4,946 $5,277
Nationwide $4,200 $4,200
Progressive $5,111 $5,111
State Farm $3,537 $3,790
USAA $2,492 $2,549

Find Cheap Key Largo, FL Auto Insurance Rates by Driving Record

Auto insurance rates in Key Largo, Florida are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Key Largo, FL, take a look at the average cost for various violations versus rates for a clean driving record in Key Largo.

Annual Key Largo, Florida Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $6,141 $7,408 $8,318 $6,867
GEICO $2,740 $3,463 $5,084 $4,199
Liberty Mutual $3,711 $4,793 $6,906 $5,034
Nationwide $3,606 $3,938 $5,265 $3,992
Progressive $4,013 $5,994 $5,011 $5,427
State Farm $3,349 $3,978 $3,663 $3,663
USAA $1,985 $2,435 $3,585 $2,078

Find Cheap Key Largo, FL Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Key Largo, Florida is higher than for a clean driving record. You can buy auto insurance after a DUI in Key Largo for less when you shop around and compare rates from multiple Key Largo, FL auto insurance companies.

Annual Auto Insurance Rates After a DUI in Key Largo, Florida

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $8,318
GEICO $5,084
Liberty Mutual $6,906
Nationwide $5,265
Progressive $5,011
State Farm $3,663
USAA $3,585

Winners by Category: Where to Buy Cheap Auto Insurance in Key Largo, FL

Compare rates from the cheapest auto insurance companies in Key Largo, FL for your needs. Take a look at how Key Largo, Florida auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Key Largo, Florida

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap Key Largo, Florida Auto Insurance Companies

If you’re looking for the cheapest Key Largo, FL auto insurance companies overall, you can compare them here. Find the best price for Key Largo, Florida car insurance by company.

Average Annual Auto Insurance Rates by Company in Key Largo, Florida

Insurance Company Average Annual Rates
Allstate $7,184
GEICO $3,872
Liberty Mutual $5,111
Nationwide $4,200
Progressive $5,111
State Farm $3,663
USAA $2,521

What affects Key Largo, Florida auto insurance rates?

Local factors affect auto insurance rates in Key Largo, FL, including traffic, theft statistics, and commute length. Take a look at the things that impact Key Largo auto insurance rates.

Commute Times in Key Largo

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Key Largo, FL is 24.4 minutes according to City-Data.

Compare Auto Insurance Quotes in Key Largo, FL

You can buy cheap Key Largo, FL auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Key Largo, Florida auto insurance quotes from top companies.

Compare Quotes Now

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption