Best Citra, FL Car Insurance in 2025
Car insurance in Citra, FL averages $313 a month. Citra, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Citra car insurance rates, compare quotes from the top car insurance companies in Citra, FL.
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Table of Contents
Table of Contents
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Daniel Walker
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Kalyn Johnson
Updated October 2024
- Average car insurance rates in Citra, FL after a DUI are $4,471/year
- Average car insurance rates in Citra, FL are $3,753/year
- The cheapest car insurance company in Citra is USAA
If you need to buy Citra, Florida car insurance, the options can be confusing. Everything you need to know about car insurance in Citra, FL is right here.
You’ll find Citra car insurance rates, the cheapest Citra, FL car insurance companies, and information on Florida car insurance laws. You can also compare Citra, Florida car insurance rates to St. Petersburg car insurance rates, Port St. Lucie car insurance rates, and Tampa car insurance rates.
Ready to find affordable Citra, FL car insurance today? Enter your ZIP code for fast, free Citra car insurance quotes.
Cheapest Citra, FL Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Citra, FL car insurance rates? Every Citra, Florida car insurance company weighs these factors differently, so check out the comparison rates.
| 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 | $3,537 | $3,386 | $3,073 | $3,123 | $11,921 | $12,870 | $3,568 | $3,631 |
| Geico | $2,440 | $2,453 | $2,284 | $2,284 | $4,368 | $5,520 | $2,691 | $2,743 |
| Liberty Mutual | $2,786 | $2,786 | $2,566 | $2,566 | $5,711 | $8,711 | $2,786 | $3,721 |
| Nationwide | $2,488 | $2,462 | $2,227 | $2,304 | $5,970 | $7,367 | $2,739 | $2,857 |
| Progressive | $3,304 | $3,113 | $2,838 | $3,044 | $9,193 | $10,052 | $3,960 | $3,811 |
| State Farm | $1,682 | $1,682 | $1,530 | $1,530 | $4,824 | $6,149 | $1,861 | $1,997 |
| USAA | $1,428 | $1,406 | $1,329 | $1,322 | $4,832 | $5,622 | $1,785 | $1,930 |
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Minimum Car Insurance in Citra, FL
Every driver must carry the minimum car insurance required by the state in Citra, FL. Take a look at the Florida car insurance requirements.
| 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 |
Cheapest Citra, FL Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Citra, FL. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Citra from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,863 | $4,990 | $4,064 |
| Geico | $4,499 | $2,734 | $2,061 |
| Liberty Mutual | $5,050 | $3,746 | $3,067 |
| Nationwide | $4,433 | $3,265 | $2,957 |
| Progressive | $6,412 | $4,546 | $3,785 |
| State Farm | $3,612 | $2,389 | $1,970 |
| USAA | $4,009 | $1,949 | $1,412 |
Cheapest Citra, FL Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Citra, FL to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,881 | $5,816 | $6,453 | $5,405 |
| Geico | $2,170 | $2,762 | $4,093 | $3,367 |
| Liberty Mutual | $2,898 | $3,713 | $5,310 | $3,896 |
| Nationwide | $3,044 | $3,329 | $4,460 | $3,374 |
| Progressive | $3,891 | $5,732 | $4,827 | $5,207 |
| State Farm | $2,434 | $2,880 | $2,657 | $2,657 |
| USAA | $1,932 | $2,376 | $3,495 | $2,024 |
Cheapest Citra, FL Car Insurance for Teen Drivers
Teen car insurance in Citra, FL can be expensive. Take a look at rates from the top car insurance companies in Citra for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $11,921 | $12,870 |
| Geico | $4,368 | $5,520 |
| Liberty Mutual | $5,711 | $8,711 |
| Nationwide | $5,970 | $7,367 |
| Progressive | $9,193 | $10,052 |
| State Farm | $4,824 | $6,149 |
| USAA | $4,832 | $5,622 |
Cheapest Citra, FL Car Insurance for Seniors
Take a look at Citra, FL rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,073 | $3,123 |
| Geico | $2,284 | $2,284 |
| Liberty Mutual | $2,566 | $2,566 |
| Nationwide | $2,227 | $2,304 |
| Progressive | $2,838 | $3,044 |
| State Farm | $1,530 | $1,530 |
| USAA | $1,329 | $1,322 |
Cheapest Citra, FL Car Insurance Rates After a DUI
A DUI in Citra, FL increases car insurance rates. Compare Citra, Florida car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,453 |
| Geico | $4,093 |
| Liberty Mutual | $5,310 |
| Nationwide | $4,460 |
| Progressive | $4,827 |
| State Farm | $2,657 |
| USAA | $3,495 |
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Cheapest Citra, FL Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Citra, FL by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,478 | $5,800 |
| Geico | $3,082 | $3,113 |
| Liberty Mutual | $3,832 | $4,077 |
| Nationwide | $3,552 | $3,552 |
| Progressive | $4,914 | $4,914 |
| State Farm | $2,569 | $2,745 |
| USAA | $2,429 | $2,485 |
The Best Cheap Car Insurance Companies in Citra, FL
Take a look at a side-by-side comparison of the top car insurance companies in Citra, FL to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,639 |
| Geico | $3,098 |
| Liberty Mutual | $3,954 |
| Nationwide | $3,552 |
| Progressive | $4,914 |
| State Farm | $2,657 |
| USAA | $2,457 |
Category Winners: Cheapest Car Insurance in Citra, Florida
Find the cheapest car insurance companies in Citra, FL for each category right here.
| 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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Cheapest Citra, FL Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Citra car insurance rates. Find the cheapest Citra, FL car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,526 | $5,890 | $6,500 |
| Geico | $2,601 | $3,198 | $3,495 |
| Liberty Mutual | $3,636 | $4,007 | $4,220 |
| Nationwide | $2,842 | $3,686 | $4,127 |
| Progressive | $4,189 | $5,019 | $5,535 |
| State Farm | $2,267 | $2,718 | $2,985 |
| USAA | $2,130 | $2,542 | $2,699 |
Compare Car Insurance Quotes in Citra, FL
Ready to find affordable Citra, Florida car insurance today? Enter your ZIP code for fast, free Citra, FL car insurance quotes.
Frequently Asked Questions
How much does car insurance cost in Citra, FL?
The cost of car insurance in Citra, FL can vary depending on several factors. These factors include your age, driving record, location, the make and model of your vehicle, coverage options, and the insurance provider you choose. It’s recommended to request quotes from multiple insurance companies to get an accurate estimate tailored to your specific circumstances.
What are the factors that affect car insurance rates in Citra, FL?
Several factors can impact car insurance rates in Citra, FL. These factors include your age, driving record, credit history, location, mileage, the type of vehicle you drive, coverage options, deductibles, and the level of coverage you choose. Insurance providers also consider local traffic conditions, crime rates, and historical claim data in the area when determining rates.
What type of coverage do I need for my car in Citra, FL?
The type of coverage you need for your car in Citra, FL depends on your personal circumstances and preferences. However, the most common types of coverage include liability coverage, comprehensive coverage, collision coverage, uninsured/underinsured motorist coverage, and personal injury protection (PIP). It’s advisable to review your specific needs and consult with an insurance professional to determine the appropriate coverage for your situation.
How can I find affordable car insurance in Citra, FL?
To find affordable car insurance in Citra, FL, it’s recommended to shop around and compare quotes from different insurance providers. You can also inquire about available discounts, such as multi-car discounts, safe driver discounts, and discounts for safety features in your vehicle. Maintaining a clean driving record, opting for higher deductibles, and bundling your car insurance with other policies can also help lower your premiums.
Are there any specific considerations for insuring a car in Citra, FL?
When insuring a car in Citra, FL, it’s important to consider factors such as local weather conditions, traffic patterns, and crime rates in your area. Additionally, Florida is a no-fault insurance state, which means each driver’s insurance company is responsible for covering their own damages regardless of who is at fault in an accident. Understanding the minimum insurance requirements and considering additional coverage options can help protect you financially in case of an accident.
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