Buy Cheap Polk City, FL Auto Insurance (2021)

Polk City, FL auto insurance rates average $364 a month. Minimum auto insurance requirements in Polk City, Florida are 10/20/10 to comply with Florida laws. To buy cheap auto insurance in Polk City, FL, compare Polk City 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

  • The most expensive auto insurance company in Polk City after a DUI is Allstate
  • Average auto insurance rates in Polk City, FL are $364/month
  • Average auto insurance rates in Polk City, FL after a DUI are $5,244/year

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

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

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

Polk City, FL Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in Polk City, 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 Polk City, FL Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Polk City, Florida

Insurance Company Poor Fair Good
Allstate $9,649 $6,119 $4,967
GEICO $5,030 $3,041 $2,282
Liberty Mutual $6,319 $4,641 $3,765
Nationwide $5,119 $3,752 $3,391
Progressive $7,033 $5,005 $4,177
State Farm $4,057 $2,670 $2,195
USAA $4,648 $2,267 $1,642

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Polk City, 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 $4,265 $4,070 $3,711 $3,769 $14,859 $16,069 $4,245 $4,305
GEICO $2,728 $2,738 $2,556 $2,556 $4,877 $6,109 $3,003 $3,042
Liberty Mutual $3,404 $3,404 $3,119 $3,119 $7,172 $11,039 $3,404 $4,607
Nationwide $2,856 $2,816 $2,548 $2,635 $6,918 $8,512 $3,145 $3,269
Progressive $3,598 $3,394 $3,093 $3,311 $10,204 $11,146 $4,341 $4,151
State Farm $1,917 $1,917 $1,739 $1,739 $5,290 $6,799 $2,125 $2,264
USAA $1,645 $1,617 $1,539 $1,524 $5,660 $6,561 $2,055 $2,217

Buy Cheap Polk City, FL Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Polk City, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $14,859 $16,069
GEICO $4,877 $6,109
Liberty Mutual $7,172 $11,039
Nationwide $6,918 $8,512
Progressive $10,204 $11,146
State Farm $5,290 $6,799
USAA $5,660 $6,561

Buy Cheap Polk City, FL Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Polk City, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,711 $3,769
GEICO $2,556 $2,556
Liberty Mutual $3,119 $3,119
Nationwide $2,548 $2,635
Progressive $3,093 $3,311
State Farm $1,739 $1,739
USAA $1,539 $1,524

Find Cheap Auto Insurance Rates in Polk City, FL by Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Polk City, Florida

Insurance Company Low Medium High
Allstate $5,399 $7,255 $8,081
GEICO $2,844 $3,568 $3,941
Liberty Mutual $4,517 $4,982 $5,226
Nationwide $3,250 $4,245 $4,768
Progressive $4,500 $5,533 $6,181
State Farm $2,535 $3,045 $3,341
USAA $2,452 $2,956 $3,148

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Find Cheap Polk City, FL Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Polk City, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,717 $7,106
GEICO $3,435 $3,468
Liberty Mutual $4,750 $5,067
Nationwide $4,088 $4,088
Progressive $5,405 $5,405
State Farm $2,871 $3,077
USAA $2,820 $2,885

Find Cheap Polk City, FL Auto Insurance Rates by Driving Record

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

Annual Polk City, Florida Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,945 $7,142 $7,947 $6,613
GEICO $2,402 $3,072 $4,576 $3,755
Liberty Mutual $3,552 $4,599 $6,649 $4,834
Nationwide $3,484 $3,826 $5,166 $3,874
Progressive $4,260 $6,318 $5,314 $5,728
State Farm $2,721 $3,226 $2,974 $2,974
USAA $2,231 $2,757 $4,080 $2,340

Find Cheap Polk City, FL Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Polk City, Florida

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,947
GEICO $4,576
Liberty Mutual $6,649
Nationwide $5,166
Progressive $5,314
State Farm $2,974
USAA $4,080

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

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

Best Annual Auto Insurance Rates by Company in Polk City, 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

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Find Cheap Polk City, Florida Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Polk City, Florida

Insurance Company Average Annual Rates
Allstate $6,912
GEICO $3,451
Liberty Mutual $4,908
Nationwide $4,088
Progressive $5,405
State Farm $2,974
USAA $2,852

What affects Polk City, Florida auto insurance rates?

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

Commute Times in Polk City

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Polk City, FL is 32.5 minutes according to City-Data.

Compare Auto Insurance Quotes in Polk City, FL

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

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