Compare Dunedin, FL Car Insurance Rates [2024]
Car insurance in Dunedin, FL averages $446 a month. Dunedin, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Dunedin car insurance rates, compare quotes from the top car insurance companies in Dunedin, FL.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Commercial Lines Coverage Specialist
UPDATED: May 13, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: May 13, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest car insurance company in Dunedin for teen drivers is USAA
- Average car insurance rates in Dunedin, FL after a DUI are $6,453/year
- Average car insurance rates in Dunedin, FL are $5,357/year
If you need to buy Dunedin, Florida car insurance, the options can be confusing. Everything you need to know about car insurance in Dunedin, FL is right here.
You’ll find Dunedin car insurance rates, the cheapest Dunedin, FL car insurance companies, and information on Florida car insurance laws. You can also compare Dunedin, Florida car insurance rates to Hialeah car insurance rates, Miami car insurance rates, and Jacksonville car insurance rates.
Ready to find affordable Dunedin, FL car insurance today? Enter your ZIP code for fast, free Dunedin car insurance quotes.
Cheapest Dunedin, FL Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Dunedin, FL car insurance rates? Every Dunedin, 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 | $5,504 | $5,254 | $4,813 | $4,880 | $19,178 | $20,902 | $5,397 | $5,446 |
| Geico | $3,710 | $3,732 | $3,465 | $3,465 | $6,581 | $8,257 | $4,089 | $4,158 |
| Liberty Mutual | $4,100 | $4,100 | $3,746 | $3,746 | $8,809 | $13,645 | $4,100 | $5,612 |
| Nationwide | $3,370 | $3,326 | $3,011 | $3,112 | $8,128 | $10,003 | $3,714 | $3,863 |
| Progressive | $4,104 | $3,821 | $3,501 | $3,751 | $11,566 | $12,458 | $4,887 | $4,548 |
| State Farm | $2,342 | $2,342 | $2,127 | $2,127 | $6,998 | $8,969 | $2,613 | $2,795 |
| USAA | $1,851 | $1,815 | $1,747 | $1,722 | $6,467 | $7,447 | $2,303 | $2,474 |
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Minimum Car Insurance in Dunedin, FL
Every driver must carry the minimum car insurance required by the state in Dunedin, 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 Dunedin, FL Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Dunedin, FL. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Dunedin from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $12,544 | $7,876 | $6,345 |
| Geico | $6,790 | $4,135 | $3,122 |
| Liberty Mutual | $7,745 | $5,649 | $4,553 |
| Nationwide | $6,024 | $4,424 | $4,000 |
| Progressive | $7,920 | $5,637 | $4,682 |
| State Farm | $5,214 | $3,389 | $2,764 |
| USAA | $5,224 | $2,582 | $1,878 |
Cheapest Dunedin, 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 Dunedin, FL to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $7,678 | $9,237 | $10,241 | $8,532 |
| Geico | $3,280 | $4,175 | $6,185 | $5,089 |
| Liberty Mutual | $4,229 | $5,579 | $8,236 | $5,885 |
| Nationwide | $4,102 | $4,508 | $6,091 | $4,562 |
| Progressive | $4,813 | $7,084 | $5,991 | $6,430 |
| State Farm | $3,457 | $4,122 | $3,789 | $3,789 |
| USAA | $2,513 | $3,120 | $4,641 | $2,638 |
Cheapest Dunedin, FL Car Insurance for Teen Drivers
Teen car insurance in Dunedin, FL can be expensive. Take a look at rates from the top car insurance companies in Dunedin for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $19,178 | $20,902 |
| Geico | $6,581 | $8,257 |
| Liberty Mutual | $8,809 | $13,645 |
| Nationwide | $8,128 | $10,003 |
| Progressive | $11,566 | $12,458 |
| State Farm | $6,998 | $8,969 |
| USAA | $6,467 | $7,447 |
Cheapest Dunedin, FL Car Insurance for Seniors
Take a look at Dunedin, 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 | $4,813 | $4,880 |
| Geico | $3,465 | $3,465 |
| Liberty Mutual | $3,746 | $3,746 |
| Nationwide | $3,011 | $3,112 |
| Progressive | $3,501 | $3,751 |
| State Farm | $2,127 | $2,127 |
| USAA | $1,747 | $1,722 |
Cheapest Dunedin, FL Car Insurance Rates After a DUI
A DUI in Dunedin, FL increases car insurance rates. Compare Dunedin, Florida car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $10,241 |
| Geico | $6,185 |
| Liberty Mutual | $8,236 |
| Nationwide | $6,091 |
| Progressive | $5,991 |
| State Farm | $3,789 |
| USAA | $4,641 |
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Cheapest Dunedin, FL Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Dunedin, 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 | $8,665 | $9,178 |
| Geico | $4,659 | $4,705 |
| Liberty Mutual | $5,784 | $6,181 |
| Nationwide | $4,816 | $4,816 |
| Progressive | $6,079 | $6,079 |
| State Farm | $3,657 | $3,921 |
| USAA | $3,191 | $3,265 |
Cheapest Dunedin, FL Car Insurance Rates by ZIP Code
Dunedin car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Dunedin, FL.
| ZIP Code | Average Annual Rates |
|---|---|
| 34683 | $4,121 |
| 34698 | $4,105 |
The Best Cheap Car Insurance Companies in Dunedin, FL
Take a look at a side-by-side comparison of the top car insurance companies in Dunedin, FL to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $8,922 |
| Geico | $4,682 |
| Liberty Mutual | $5,982 |
| Nationwide | $4,816 |
| Progressive | $6,079 |
| State Farm | $3,789 |
| USAA | $3,228 |
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Category Winners: Cheapest Car Insurance in Dunedin, Florida
Find the cheapest car insurance companies in Dunedin, FL for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
Cheapest Dunedin, FL Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Dunedin car insurance rates. Find the cheapest Dunedin, FL car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $6,583 | $9,451 | $10,732 |
| Geico | $3,688 | $4,866 | $5,492 |
| Liberty Mutual | $5,424 | $6,093 | $6,429 |
| Nationwide | $3,634 | $5,037 | $5,776 |
| Progressive | $4,812 | $6,257 | $7,169 |
| State Farm | $3,181 | $3,894 | $4,292 |
| USAA | $2,697 | $3,367 | $3,621 |
What affects car insurance rates in Dunedin, Florida?
What are the factors that affect car insurance rates in Dunedin, FL? There are several reasons why Dunedin car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Dunedin, Florida.
Car Theft in Dunedin
High levels of vehicle theft can make car insurance more expensive. Dunedin, FL car theft statistics from the FBI indicate 32 vehicle thefts a year.
Commute Time in Dunedin
The more time you spend in your car the higher the risk of an accident. The average commute length in Dunedin, FL is 24.8 minutes according to City-Data.
Traffic in Dunedin
Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Dunedin, FL traffic data from INRIX ranks Dunedin as the 177th-most congested in the world.
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Compare Car Insurance Quotes in Dunedin, FL
Ready to find affordable Dunedin, Florida car insurance today? Enter your ZIP code for fast, free Dunedin, FL car insurance quotes.
Frequently Asked Questions
How are car insurance rates for Dunedin, FL determined?
Car insurance rates for Dunedin, FL, are determined by various factors. These factors include the driver’s age, driving record, credit history, location within Dunedin, coverage options selected, deductible amount, annual mileage, and the specific make, model, and year of the vehicle. Insurance companies also consider local factors such as accident rates, theft rates, and the cost of repairs and medical services in the area.
Are car insurance rates higher in Dunedin, FL compared to other areas?
Car insurance rates can vary depending on multiple factors, and it’s difficult to make a general statement about rates in Dunedin, FL compared to other areas. Rates can be influenced by local factors such as the number of accidents and thefts in the area, as well as state-specific regulations and insurance market conditions. Additionally, your personal driving profile and the coverage options you select will play a significant role in determining your insurance rates.
How can I find the best car insurance rates in Dunedin, FL?
To find the best car insurance rates in Dunedin, FL, it’s recommended to shop around and compare quotes from multiple insurance providers. You can contact different insurance companies directly or use online comparison tools that allow you to receive quotes from multiple insurers simultaneously. Providing accurate and consistent information when requesting quotes will help ensure you receive accurate rates for comparison.
What can I do to lower my car insurance rates in Dunedin, FL?
There are several strategies you can employ to potentially lower your car insurance rates in Dunedin, FL:
- Maintain a clean driving record and avoid traffic violations or accidents.
- Consider increasing your deductible, which is the amount you pay out of pocket in the event of a claim.
- Inquire about available discounts such as multi-policy discounts, good driver discounts, or discounts for safety features on your vehicle.
- Evaluate your coverage options and consider whether you need additional coverage beyond the mandatory requirements.
- If feasible, install anti-theft devices or security systems that may reduce the risk of theft.
Are there any specific considerations for insuring a vehicle in Dunedin, FL?
When insuring a vehicle in Dunedin, FL, it’s important to consider factors such as the local weather conditions, traffic patterns, and potential risks in the area. If you live in an area prone to hurricanes or flooding, you may want to consider comprehensive coverage to protect your vehicle against such damages. Additionally, understanding the specific insurance requirements and regulations in Florida is essential to ensure you meet the minimum coverage requirements.
Are there any local insurance providers in Dunedin, FL?
There may be local insurance providers in Dunedin, FL, in addition to national or regional insurance companies. Local providers may offer unique coverage options or be familiar with specific factors that affect insurance rates in the area. It’s recommended to research and compare both local and national insurance providers to find the best coverage and rates for your needs.
Should I consider specialized coverage for my vehicle in Dunedin, FL?
The decision to add specialized coverage to your vehicle in Dunedin, FL depends on your specific circumstances and preferences. It’s advisable to evaluate factors such as the age and value of your vehicle, your driving habits, and potential risks in the area. Specialized coverage options such as comprehensive and collision insurance may provide additional protection beyond the mandatory liability coverage. Consider your needs and consult with insurance providers to determine the appropriate coverage for your vehicle.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Commercial Lines Coverage Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.