Buy Cheap Lutz, FL Auto Insurance (2021)

Lutz, FL auto insurance rates average $450 a month. Minimum auto insurance requirements in Lutz, Florida are 10/20/10 to comply with Florida laws. To buy cheap auto insurance in Lutz, FL, compare Lutz 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 Lutz, FL for teens drivers are $9,796/year
  • The most expensive auto insurance company in Lutz after a DUI is Allstate
  • Average auto insurance rates in Lutz, FL are $450/month

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

See how Lutz, FL car insurance rates compare to Miami auto insurance rates, Cape Coral auto insurance rates, and Tallahassee auto insurance rates before you read more about the cost of auto insurance in Lutz.

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

Lutz, FL Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in Lutz, 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 Lutz, FL Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Lutz, Florida

Insurance Company Poor Fair Good
Allstate $12,611 $7,970 $6,442
GEICO $6,327 $3,832 $2,879
Liberty Mutual $7,264 $5,334 $4,329
Nationwide $7,134 $5,208 $4,698
Progressive $7,897 $5,638 $4,699
State Farm $5,301 $3,451 $2,817
USAA $5,224 $2,582 $1,878

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Lutz, 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 $5,549 $5,283 $4,837 $4,903 $19,397 $21,121 $5,463 $5,508
GEICO $3,453 $3,466 $3,232 $3,232 $6,128 $7,624 $3,796 $3,835
Liberty Mutual $3,914 $3,914 $3,589 $3,589 $8,239 $12,678 $3,914 $5,299
Nationwide $3,948 $3,889 $3,517 $3,636 $9,673 $11,899 $4,356 $4,524
Progressive $4,046 $3,797 $3,462 $3,711 $11,551 $12,567 $4,871 $4,618
State Farm $2,388 $2,388 $2,165 $2,165 $7,115 $9,117 $2,663 $2,849
USAA $1,851 $1,815 $1,747 $1,722 $6,467 $7,447 $2,303 $2,474

Buy Cheap Lutz, FL Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Lutz, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $19,397 $21,121
GEICO $6,128 $7,624
Liberty Mutual $8,239 $12,678
Nationwide $9,673 $11,899
Progressive $11,551 $12,567
State Farm $7,115 $9,117
USAA $6,467 $7,447

Buy Cheap Lutz, FL Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Lutz, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,837 $4,903
GEICO $3,232 $3,232
Liberty Mutual $3,589 $3,589
Nationwide $3,517 $3,636
Progressive $3,462 $3,711
State Farm $2,165 $2,165
USAA $1,747 $1,722

Find Cheap Auto Insurance Rates in Lutz, FL by Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Lutz, Florida

Insurance Company Low Medium High
Allstate $6,895 $9,484 $10,645
GEICO $3,528 $4,499 $5,011
Liberty Mutual $5,191 $5,728 $6,008
Nationwide $4,409 $5,918 $6,713
Progressive $4,961 $6,236 $7,036
State Farm $3,248 $3,962 $4,359
USAA $2,697 $3,367 $3,621

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Find Cheap Lutz, FL Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Lutz, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $8,746 $9,269
GEICO $4,325 $4,367
Liberty Mutual $5,460 $5,824
Nationwide $5,680 $5,680
Progressive $6,078 $6,078
State Farm $3,721 $3,991
USAA $3,191 $3,265

Find Cheap Lutz, FL Auto Insurance Rates by ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Lutz, Florida

ZIP Code Average Annual Rates
33548 $4,174
33549 $4,303
33559 $4,254

Find Cheap Lutz, FL Auto Insurance Rates by Driving Record

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

Annual Lutz, Florida Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $7,747 $9,314 $10,354 $8,616
GEICO $3,025 $3,868 $5,762 $4,729
Liberty Mutual $4,059 $5,279 $7,677 $5,554
Nationwide $4,821 $5,310 $7,214 $5,375
Progressive $4,792 $7,102 $5,979 $6,438
State Farm $3,519 $4,193 $3,856 $3,856
USAA $2,513 $3,120 $4,641 $2,638

Find Cheap Lutz, FL Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Lutz, Florida

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $10,354
GEICO $5,762
Liberty Mutual $7,677
Nationwide $7,214
Progressive $5,979
State Farm $3,856
USAA $4,641

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

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

Best Annual Auto Insurance Rates by Company in Lutz, 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 Lutz, Florida Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Lutz, Florida

Insurance Company Average Annual Rates
Allstate $9,008
GEICO $4,346
Liberty Mutual $5,642
Nationwide $5,680
Progressive $6,078
State Farm $3,856
USAA $3,228

What affects Lutz, Florida auto insurance rates?

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

Commute Times in Lutz

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Lutz, FL is 32.2 minutes according to City-Data.

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Compare Auto Insurance Quotes in Lutz, FL

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

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