Buy Cheap Port Charlotte, FL Auto Insurance (2021)

Port Charlotte, FL auto insurance rates average $321 a month. Minimum auto insurance requirements in Port Charlotte, Florida are 10/20/10 to comply with Florida laws. To buy cheap auto insurance in Port Charlotte, FL, compare Port Charlotte 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 Port Charlotte after a DUI is Allstate
  • Average auto insurance rates in Port Charlotte, FL are $321/month
  • The most expensive auto insurance company in Port Charlotte is Allstate

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

See how Port Charlotte, FL car insurance rates compare to Orlando auto insurance rates, Miami auto insurance rates, and Fort Lauderdale auto insurance rates before you read more about the cost of auto insurance in Port Charlotte.

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

Port Charlotte, FL Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in Port Charlotte, 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 Port Charlotte, FL Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Port Charlotte, Florida

Insurance Company Poor Fair Good
Allstate $8,384 $5,321 $4,325
GEICO $4,623 $2,793 $2,094
Liberty Mutual $5,623 $4,150 $3,382
Nationwide $4,429 $3,256 $2,946
Progressive $6,472 $4,593 $3,832
State Farm $3,621 $2,380 $1,955
USAA $3,617 $1,775 $1,292

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Port Charlotte, 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 $3,756 $3,574 $3,257 $3,301 $12,831 $13,833 $3,741 $3,787
GEICO $2,498 $2,508 $2,338 $2,338 $4,485 $5,645 $2,753 $2,797
Liberty Mutual $3,065 $3,065 $2,816 $2,816 $6,369 $9,760 $3,065 $4,122
Nationwide $2,494 $2,463 $2,229 $2,306 $5,944 $7,318 $2,742 $2,853
Progressive $3,323 $3,137 $2,864 $3,060 $9,337 $10,184 $3,996 $3,823
State Farm $1,673 $1,673 $1,519 $1,519 $4,841 $6,149 $1,855 $1,988
USAA $1,294 $1,273 $1,210 $1,200 $4,394 $5,097 $1,613 $1,740

Buy Cheap Port Charlotte, FL Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Port Charlotte, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,831 $13,833
GEICO $4,485 $5,645
Liberty Mutual $6,369 $9,760
Nationwide $5,944 $7,318
Progressive $9,337 $10,184
State Farm $4,841 $6,149
USAA $4,394 $5,097

Buy Cheap Port Charlotte, FL Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Port Charlotte, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,257 $3,301
GEICO $2,338 $2,338
Liberty Mutual $2,816 $2,816
Nationwide $2,229 $2,306
Progressive $2,864 $3,060
State Farm $1,519 $1,519
USAA $1,210 $1,200

Find Cheap Auto Insurance Rates in Port Charlotte, FL by Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Port Charlotte, Florida

Insurance Company Low Medium High
Allstate $4,812 $6,282 $6,935
GEICO $2,609 $3,281 $3,621
Liberty Mutual $4,030 $4,448 $4,677
Nationwide $2,824 $3,679 $4,128
Progressive $4,163 $5,080 $5,653
State Farm $2,282 $2,713 $2,962
USAA $1,925 $2,306 $2,452

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Find Cheap Port Charlotte, FL Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Port Charlotte, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,840 $6,179
GEICO $3,155 $3,186
Liberty Mutual $4,246 $4,524
Nationwide $3,544 $3,544
Progressive $4,966 $4,966
State Farm $2,562 $2,742
USAA $2,203 $2,253

Find Cheap Port Charlotte, FL Auto Insurance Rates by ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Port Charlotte, Florida

ZIP Code Average Annual Rates
33948 $2,980
33953 $2,980
33954 $2,984
33981 $2,976

Find Cheap Port Charlotte, FL Auto Insurance Rates by Driving Record

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

Annual Port Charlotte, Florida Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,185 $6,209 $6,891 $5,754
GEICO $2,206 $2,822 $4,204 $3,450
Liberty Mutual $3,177 $4,108 $5,936 $4,318
Nationwide $3,033 $3,323 $4,455 $3,363
Progressive $3,923 $5,797 $4,882 $5,260
State Farm $2,426 $2,878 $2,652 $2,652
USAA $1,748 $2,154 $3,178 $1,832

Find Cheap Port Charlotte, FL Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Port Charlotte, Florida

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,891
GEICO $4,204
Liberty Mutual $5,936
Nationwide $4,455
Progressive $4,882
State Farm $2,652
USAA $3,178

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

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

Best Annual Auto Insurance Rates by Company in Port Charlotte, 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

Find Cheap Port Charlotte, Florida Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Port Charlotte, Florida

Insurance Company Average Annual Rates
Allstate $6,010
GEICO $3,170
Liberty Mutual $4,385
Nationwide $3,544
Progressive $4,966
State Farm $2,652
USAA $2,228

What affects Port Charlotte, Florida auto insurance rates?

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

Commute Times in Port Charlotte

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Port Charlotte, FL is 24.1 minutes according to City-Data.

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Compare Auto Insurance Quotes in Port Charlotte, FL

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

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