Buy Cheap Neptune Beach, FL Auto Insurance (2021)

Neptune Beach, FL auto insurance rates average $358 a month. Minimum auto insurance requirements in Neptune Beach, Florida are 10/20/10 to comply with Florida laws. To buy cheap auto insurance in Neptune Beach, FL, compare Neptune Beach 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 Neptune Beach, FL after a DUI are $5,146/year
  • The most expensive auto insurance company in Neptune Beach is Allstate
  • Average auto insurance rates in Neptune Beach, FL are $358/month

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

See how Neptune Beach, FL car insurance rates compare to Fort Lauderdale auto insurance rates, Jacksonville auto insurance rates, and Port St. Lucie auto insurance rates before you read more about the cost of auto insurance in Neptune Beach.

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

Neptune Beach, FL Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in Neptune Beach, 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 Neptune Beach, FL Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Neptune Beach, Florida

Insurance Company Poor Fair Good
Allstate $9,676 $6,200 $5,069
GEICO $5,093 $3,064 $2,290
Liberty Mutual $6,316 $4,630 $3,749
Nationwide $5,020 $3,694 $3,348
Progressive $6,603 $4,715 $3,951
State Farm $4,362 $2,858 $2,342
USAA $3,912 $1,920 $1,400

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Neptune Beach, 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 $4,175 $4,038 $3,657 $3,746 $15,087 $16,560 $4,248 $4,341
GEICO $2,746 $2,755 $2,571 $2,571 $4,937 $6,191 $3,025 $3,064
Liberty Mutual $3,384 $3,384 $3,099 $3,099 $7,177 $11,066 $3,384 $4,594
Nationwide $2,786 $2,759 $2,479 $2,571 $6,816 $8,454 $3,079 $3,222
Progressive $3,358 $3,178 $2,903 $3,099 $9,648 $10,563 $4,055 $3,912
State Farm $1,971 $1,971 $1,792 $1,792 $5,865 $7,553 $2,189 $2,365
USAA $1,394 $1,371 $1,299 $1,291 $4,756 $5,538 $1,746 $1,889

Buy Cheap Neptune Beach, FL Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Neptune Beach, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $15,087 $16,560
GEICO $4,937 $6,191
Liberty Mutual $7,177 $11,066
Nationwide $6,816 $8,454
Progressive $9,648 $10,563
State Farm $5,865 $7,553
USAA $4,756 $5,538

Buy Cheap Neptune Beach, FL Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Neptune Beach, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,657 $3,746
GEICO $2,571 $2,571
Liberty Mutual $3,099 $3,099
Nationwide $2,479 $2,571
Progressive $2,903 $3,099
State Farm $1,792 $1,792
USAA $1,299 $1,291

Find Cheap Auto Insurance Rates in Neptune Beach, FL by Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Neptune Beach, Florida

Insurance Company Low Medium High
Allstate $5,469 $7,325 $8,151
GEICO $2,867 $3,604 $3,977
Liberty Mutual $4,471 $4,982 $5,242
Nationwide $3,257 $4,164 $4,641
Progressive $4,287 $5,207 $5,775
State Farm $2,694 $3,269 $3,599
USAA $2,101 $2,492 $2,640

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Find Cheap Neptune Beach, FL Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Neptune Beach, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,780 $7,182
GEICO $3,466 $3,499
Liberty Mutual $4,739 $5,057
Nationwide $4,021 $4,021
Progressive $5,090 $5,090
State Farm $3,081 $3,293
USAA $2,384 $2,438

Find Cheap Neptune Beach, FL Auto Insurance Rates by Driving Record

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

Annual Neptune Beach, Florida Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,991 $7,180 $8,070 $6,684
GEICO $2,412 $3,095 $4,630 $3,793
Liberty Mutual $3,553 $4,594 $6,622 $4,824
Nationwide $3,434 $3,763 $5,071 $3,815
Progressive $4,008 $5,955 $4,999 $5,397
State Farm $2,913 $3,461 $3,187 $3,187
USAA $1,889 $2,330 $3,444 $1,980

Find Cheap Neptune Beach, FL Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Neptune Beach, Florida

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $8,070
GEICO $4,630
Liberty Mutual $6,622
Nationwide $5,071
Progressive $4,999
State Farm $3,187
USAA $3,444

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

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

Best Annual Auto Insurance Rates by Company in Neptune Beach, 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

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Find Cheap Neptune Beach, Florida Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Neptune Beach, Florida

Insurance Company Average Annual Rates
Allstate $6,981
GEICO $3,482
Liberty Mutual $4,898
Nationwide $4,021
Progressive $5,090
State Farm $3,187
USAA $2,411

What affects Neptune Beach, Florida auto insurance rates?

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

Auto Theft in Neptune Beach

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Neptune Beach, FL auto theft show a total of 8 vehicle thefts annually.

Commute Times in Neptune Beach

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Neptune Beach, FL is 27.3 minutes according to City-Data.

Compare Auto Insurance Quotes in Neptune Beach, FL

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

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