Buy Cheap Live Oak, FL Auto Insurance (2021)

Live Oak, FL auto insurance rates average $310 a month. Minimum auto insurance requirements in Live Oak, Florida are 10/20/10 to comply with Florida laws. To buy cheap auto insurance in Live Oak, FL, compare Live Oak auto insurance quotes from top companies.

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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...

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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.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Live Oak, FL after a DUI are $4,433/year
  • Average auto insurance rates in Live Oak, FL are $310/month
  • Average auto insurance rates in Live Oak, FL for teens drivers are $6,575/year

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

See how Live Oak, FL car insurance rates compare to Cape Coral auto insurance rates, St. Petersburg auto insurance rates, and Hialeah auto insurance rates before you read more about the cost of auto insurance in Live Oak.

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

Live Oak, FL Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in Live Oak, 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 Live Oak, FL Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Live Oak, Florida

Insurance Company Poor Fair Good
Allstate $7,932 $5,011 $4,075
GEICO $4,388 $2,716 $2,076
Liberty Mutual $5,614 $4,133 $3,361
Nationwide $4,095 $3,013 $2,729
Progressive $6,021 $4,252 $3,536
State Farm $3,653 $2,441 $2,026
USAA $3,880 $1,875 $1,358

Buy Cheap Live Oak, FL Auto Insurance by Age, Gender, and Marital Status

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Live Oak, 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 $3,603 $3,445 $3,120 $3,167 $11,907 $12,801 $3,637 $3,704
GEICO $2,427 $2,446 $2,269 $2,269 $4,263 $5,392 $2,675 $2,740
Liberty Mutual $3,042 $3,042 $2,792 $2,792 $6,366 $9,775 $3,042 $4,103
Nationwide $2,302 $2,284 $2,057 $2,134 $5,480 $6,791 $2,533 $2,652
Progressive $3,093 $2,943 $2,665 $2,858 $8,493 $9,366 $3,749 $3,660
State Farm $1,719 $1,719 $1,546 $1,546 $4,900 $6,272 $1,898 $2,054
USAA $1,387 $1,368 $1,282 $1,281 $4,617 $5,403 $1,740 $1,889

Buy Cheap Live Oak, FL Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Live Oak, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,907 $12,801
GEICO $4,263 $5,392
Liberty Mutual $6,366 $9,775
Nationwide $5,480 $6,791
Progressive $8,493 $9,366
State Farm $4,900 $6,272
USAA $4,617 $5,403

Buy Cheap Live Oak, FL Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Live Oak, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,120 $3,167
GEICO $2,269 $2,269
Liberty Mutual $2,792 $2,792
Nationwide $2,057 $2,134
Progressive $2,665 $2,858
State Farm $1,546 $1,546
USAA $1,282 $1,281

Find Cheap Auto Insurance Rates in Live Oak, FL by Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Live Oak, Florida

Insurance Company Low Medium High
Allstate $4,560 $5,924 $6,534
GEICO $2,568 $3,153 $3,460
Liberty Mutual $4,047 $4,431 $4,630
Nationwide $2,669 $3,395 $3,774
Progressive $4,000 $4,689 $5,120
State Farm $2,367 $2,761 $2,992
USAA $2,083 $2,445 $2,584

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Find Cheap Live Oak, FL Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Live Oak, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,509 $5,836
GEICO $3,045 $3,076
Liberty Mutual $4,230 $4,509
Nationwide $3,279 $3,279
Progressive $4,603 $4,603
State Farm $2,617 $2,797
USAA $2,344 $2,398

Find Cheap Live Oak, FL Auto Insurance Rates by ZIP Code

Auto insurance rates in Live Oak, Florida can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Live Oak, FL to see how much where you live in Live Oak affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Live Oak, Florida

ZIP Code Average Annual Rates
32060 $2,875
32064 $2,875

Find Cheap Live Oak, FL Auto Insurance Rates by Driving Record

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

Annual Live Oak, Florida Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,925 $5,856 $6,471 $5,440
GEICO $2,180 $2,742 $4,004 $3,315
Liberty Mutual $3,189 $4,102 $5,883 $4,304
Nationwide $2,824 $3,078 $4,094 $3,120
Progressive $3,663 $5,356 $4,520 $4,873
State Farm $2,486 $2,927 $2,707 $2,707
USAA $1,875 $2,293 $3,354 $1,961

Find Cheap Live Oak, FL Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Live Oak, Florida

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,471
GEICO $4,004
Liberty Mutual $5,883
Nationwide $4,094
Progressive $4,520
State Farm $2,707
USAA $3,354

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Winners by Category: Where to Buy Cheap Auto Insurance in Live Oak, FL

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

Best Annual Auto Insurance Rates by Company in Live Oak, Florida

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

Find Cheap Live Oak, Florida Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Live Oak, Florida

Insurance Company Average Annual Rates
Allstate $5,673
GEICO $3,060
Liberty Mutual $4,369
Nationwide $3,279
Progressive $4,603
State Farm $2,707
USAA $2,371

What affects Live Oak, Florida auto insurance rates?

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

Auto Theft in Live Oak

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Live Oak, FL auto theft show a total of 6 vehicle thefts annually.

Commute Times in Live Oak

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Live Oak, FL is 21.5 minutes according to City-Data.

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Compare Auto Insurance Quotes in Live Oak, FL

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

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