Buy Cheap Memphis, FL Auto Insurance (2021)

Memphis, FL auto insurance rates average $386 a month. Minimum auto insurance requirements in Memphis, Florida are 10/20/10 to comply with Florida laws. To buy cheap auto insurance in Memphis, FL, compare Memphis 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 Memphis, FL are $386/month
  • The most expensive auto insurance company in Memphis after a DUI is Allstate
  • The most expensive auto insurance company in Memphis is Allstate

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

See how Memphis, FL car insurance rates compare to St. Petersburg auto insurance rates, Hialeah auto insurance rates, and Port St. Lucie auto insurance rates before you read more about the cost of auto insurance in Memphis.

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

Memphis, FL Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Memphis, Florida

Insurance Company Poor Fair Good
Allstate $11,668 $7,386 $5,987
GEICO $5,204 $3,148 $2,364
Liberty Mutual $6,605 $4,843 $3,923
Nationwide $5,318 $3,906 $3,535
Progressive $7,358 $5,236 $4,360
State Farm $3,621 $2,380 $1,955
USAA $4,574 $2,256 $1,646

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Memphis, 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 $5,004 $4,846 $4,417 $4,517 $18,027 $19,855 $5,008 $5,102
GEICO $2,816 $2,831 $2,632 $2,632 $5,046 $6,352 $3,107 $3,159
Liberty Mutual $3,543 $3,543 $3,246 $3,246 $7,499 $11,558 $3,543 $4,810
Nationwide $2,966 $2,928 $2,644 $2,736 $7,197 $8,877 $3,271 $3,407
Progressive $3,787 $3,553 $3,241 $3,471 $10,704 $11,613 $4,537 $4,304
State Farm $1,673 $1,673 $1,519 $1,519 $4,841 $6,149 $1,855 $1,988
USAA $1,626 $1,596 $1,524 $1,507 $5,617 $6,522 $2,027 $2,183

Buy Cheap Memphis, FL Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Memphis, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $18,027 $19,855
GEICO $5,046 $6,352
Liberty Mutual $7,499 $11,558
Nationwide $7,197 $8,877
Progressive $10,704 $11,613
State Farm $4,841 $6,149
USAA $5,617 $6,522

Buy Cheap Memphis, FL Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Memphis, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,417 $4,517
GEICO $2,632 $2,632
Liberty Mutual $3,246 $3,246
Nationwide $2,644 $2,736
Progressive $3,241 $3,471
State Farm $1,519 $1,519
USAA $1,524 $1,507

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

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

Annual Auto Insurance Rates by Coverage Level in Memphis, Florida

Insurance Company Low Medium High
Allstate $6,081 $8,859 $10,100
GEICO $2,931 $3,697 $4,087
Liberty Mutual $4,688 $5,206 $5,476
Nationwide $3,336 $4,425 $4,999
Progressive $4,705 $5,788 $6,461
State Farm $2,282 $2,713 $2,962
USAA $2,418 $2,931 $3,127

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Find Cheap Memphis, FL Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Memphis, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $8,107 $8,587
GEICO $3,554 $3,590
Liberty Mutual $4,957 $5,290
Nationwide $4,253 $4,253
Progressive $5,651 $5,651
State Farm $2,562 $2,742
USAA $2,793 $2,857

Find Cheap Memphis, FL Auto Insurance Rates by Driving Record

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

Annual Memphis, Florida Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $7,163 $8,608 $9,632 $7,986
GEICO $2,488 $3,180 $4,734 $3,886
Liberty Mutual $3,679 $4,793 $6,979 $5,044
Nationwide $3,625 $3,981 $5,376 $4,031
Progressive $4,456 $6,602 $5,557 $5,989
State Farm $2,426 $2,878 $2,652 $2,652
USAA $2,203 $2,729 $4,059 $2,311

Find Cheap Memphis, FL Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Memphis, Florida

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $9,632
GEICO $4,734
Liberty Mutual $6,979
Nationwide $5,376
Progressive $5,557
State Farm $2,652
USAA $4,059

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

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

Best Annual Auto Insurance Rates by Company in Memphis, Florida

Category Insurance Company
Teenagers State Farm
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 Memphis, Florida Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Memphis, Florida

Insurance Company Average Annual Rates
Allstate $8,347
GEICO $3,572
Liberty Mutual $5,123
Nationwide $4,253
Progressive $5,651
State Farm $2,652
USAA $2,825

What affects Memphis, Florida auto insurance rates?

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

Commute Times in Memphis

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Memphis, FL is 25.7 minutes according to City-Data.

Traffic in Memphis

How is traffic in Memphis, Florida? Inrix data shows that Memphis, FL traffic makes it the 626th-most congested city compared to other cities worldwide.

Compare Auto Insurance Quotes in Memphis, FL

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

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