Buy Cheap South Bay, FL Auto Insurance (2021)

South Bay, FL auto insurance rates average $446 a month. Minimum auto insurance requirements in South Bay, Florida are 10/20/10 to comply with Florida laws. To buy cheap auto insurance in South Bay, FL, compare South Bay 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 South Bay, FL after a DUI are $6,465/year
  • The most expensive auto insurance company in South Bay is Allstate
  • Average auto insurance rates in South Bay, FL for teens drivers are $9,593/year

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

See how South Bay, FL car insurance rates compare to Port St. Lucie auto insurance rates, Orlando auto insurance rates, and Tallahassee auto insurance rates before you read more about the cost of auto insurance in South Bay.

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

South Bay, FL Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in South Bay, 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 South Bay, FL Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in South Bay, Florida

Insurance Company Poor Fair Good
Allstate $11,254 $7,151 $5,804
GEICO $5,954 $3,578 $2,670
Liberty Mutual $8,505 $6,182 $4,969
Nationwide $6,514 $4,756 $4,288
Progressive $8,401 $5,974 $4,947
State Farm $5,289 $3,507 $2,897
USAA $5,329 $2,628 $1,912

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in South Bay, 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 $4,887 $4,709 $4,295 $4,383 $17,393 $19,005 $4,899 $4,986
GEICO $3,198 $3,208 $2,997 $2,997 $5,776 $7,266 $3,524 $3,573
Liberty Mutual $4,468 $4,468 $4,075 $4,075 $9,684 $15,038 $4,468 $6,140
Nationwide $3,644 $3,595 $3,251 $3,364 $8,722 $10,733 $4,010 $4,169
Progressive $4,354 $4,061 $3,696 $3,978 $12,154 $13,171 $5,213 $4,899
State Farm $2,580 $2,580 $2,334 $2,334 $6,838 $8,653 $2,858 $3,005
USAA $1,881 $1,845 $1,767 $1,746 $6,586 $7,614 $2,348 $2,529

Buy Cheap South Bay, FL Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in South Bay, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $17,393 $19,005
GEICO $5,776 $7,266
Liberty Mutual $9,684 $15,038
Nationwide $8,722 $10,733
Progressive $12,154 $13,171
State Farm $6,838 $8,653
USAA $6,586 $7,614

Buy Cheap South Bay, FL Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in South Bay, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,295 $4,383
GEICO $2,997 $2,997
Liberty Mutual $4,075 $4,075
Nationwide $3,251 $3,364
Progressive $3,696 $3,978
State Farm $2,334 $2,334
USAA $1,767 $1,746

Find Cheap Auto Insurance Rates in South Bay, FL by Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in South Bay, Florida

Insurance Company Low Medium High
Allstate $6,101 $8,511 $9,597
GEICO $3,212 $4,228 $4,762
Liberty Mutual $6,003 $6,667 $6,987
Nationwide $3,944 $5,419 $6,196
Progressive $5,184 $6,615 $7,523
State Farm $3,332 $3,983 $4,377
USAA $2,768 $3,426 $3,675

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Find Cheap South Bay, FL Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in South Bay, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $7,838 $8,301
GEICO $4,048 $4,087
Liberty Mutual $6,333 $6,771
Nationwide $5,186 $5,186
Progressive $6,441 $6,441
State Farm $3,757 $4,038
USAA $3,252 $3,327

Find Cheap South Bay, FL Auto Insurance Rates by Driving Record

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

Annual South Bay, Florida Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $6,928 $8,319 $9,309 $7,722
GEICO $2,816 $3,615 $5,409 $4,430
Liberty Mutual $4,631 $6,111 $9,020 $6,446
Nationwide $4,425 $4,859 $6,544 $4,916
Progressive $5,116 $7,494 $6,343 $6,811
State Farm $3,573 $4,222 $3,898 $3,898
USAA $2,561 $3,178 $4,731 $2,688

Find Cheap South Bay, FL Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in South Bay, Florida

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $9,309
GEICO $5,409
Liberty Mutual $9,020
Nationwide $6,544
Progressive $6,343
State Farm $3,898
USAA $4,731

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

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

Best Annual Auto Insurance Rates by Company in South Bay, 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 South Bay, Florida Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in South Bay, Florida

Insurance Company Average Annual Rates
Allstate $8,070
GEICO $4,067
Liberty Mutual $6,552
Nationwide $5,186
Progressive $6,441
State Farm $3,898
USAA $3,290

What affects South Bay, Florida auto insurance rates?

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

Auto Theft in South Bay

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for South Bay, FL auto theft show a total of 13 vehicle thefts annually.

Commute Times in South Bay

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in South Bay, FL is 26.4 minutes according to City-Data.

Compare Auto Insurance Quotes in South Bay, FL

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

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