Best Longwood, FL Car Insurance in 2024
Car insurance in Longwood, FL averages $351 a month. Longwood, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Longwood car insurance rates, compare quotes from the top car insurance companies in Longwood, FL.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Oct 24, 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: Oct 24, 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
- Average car insurance rates in Longwood, FL after a DUI are $5,043/year
- The cheapest ZIP code in Longwood is 32750
- The cheapest car insurance company in Longwood for teen drivers is USAA
If you need to buy Longwood, Florida car insurance, the options can be confusing. Everything you need to know about car insurance in Longwood, FL is right here.
You’ll find Longwood car insurance rates, the cheapest Longwood, FL car insurance companies, and information on Florida car insurance laws. You can also compare Longwood, Florida car insurance rates to St. Petersburg car insurance rates, Cape Coral car insurance rates, and Orlando car insurance rates.
Ready to find affordable Longwood, FL car insurance today? Enter your ZIP code for fast, free Longwood car insurance quotes.
Cheapest Longwood, FL Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Longwood, FL car insurance rates? Every Longwood, 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 | $4,208 | $4,018 | $3,659 | $3,714 | $14,431 | $15,626 | $4,188 | $4,245 |
| Geico | $2,783 | $2,792 | $2,607 | $2,607 | $4,978 | $6,219 | $3,062 | $3,096 |
| Liberty Mutual | $3,147 | $3,147 | $2,891 | $2,891 | $6,564 | $10,070 | $3,147 | $4,240 |
| Nationwide | $2,758 | $2,722 | $2,465 | $2,548 | $6,629 | $8,155 | $3,036 | $3,157 |
| Progressive | $3,390 | $3,213 | $2,928 | $3,118 | $9,629 | $10,482 | $4,099 | $3,917 |
| State Farm | $1,929 | $1,929 | $1,753 | $1,753 | $5,666 | $7,244 | $2,143 | $2,301 |
| USAA | $1,490 | $1,463 | $1,395 | $1,380 | $5,128 | $5,941 | $1,859 | $2,003 |
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Minimum Car Insurance in Longwood, FL
Every driver must carry the minimum car insurance in Longwood, 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 Longwood, FL Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Longwood, FL. Compare credit history car insurance rates in Longwood from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $9,462 | $5,977 | $4,845 |
| Geico | $5,137 | $3,098 | $2,318 |
| Liberty Mutual | $5,792 | $4,269 | $3,475 |
| Nationwide | $4,914 | $3,615 | $3,272 |
| Progressive | $6,638 | $4,714 | $3,939 |
| State Farm | $4,228 | $2,771 | $2,271 |
| USAA | $4,202 | $2,055 | $1,491 |
Cheapest Longwood, FL Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Longwood, FL to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $5,834 | $6,988 | $7,750 | $6,473 |
| Geico | $2,440 | $3,128 | $4,673 | $3,830 |
| Liberty Mutual | $3,270 | $4,228 | $6,107 | $4,444 |
| Nationwide | $3,357 | $3,684 | $4,965 | $3,729 |
| Progressive | $4,010 | $5,962 | $5,013 | $5,404 |
| State Farm | $2,824 | $3,355 | $3,090 | $3,090 |
| USAA | $2,016 | $2,496 | $3,702 | $2,116 |
Cheapest Longwood, FL Car Insurance for Teen Drivers
Teen car insurance in Longwood, FL can be expensive. Take a look at rates from the top car insurance companies in Longwood for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $14,431 | $15,626 |
| Geico | $4,978 | $6,219 |
| Liberty Mutual | $6,564 | $10,070 |
| Nationwide | $6,629 | $8,155 |
| Progressive | $9,629 | $10,482 |
| State Farm | $5,666 | $7,244 |
| USAA | $5,128 | $5,941 |
Cheapest Longwood, FL Car Insurance for Seniors
Take a look at Longwood, FL senior car insurance rates 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 | $3,659 | $3,714 |
| Geico | $2,607 | $2,607 |
| Liberty Mutual | $2,891 | $2,891 |
| Nationwide | $2,465 | $2,548 |
| Progressive | $2,928 | $3,118 |
| State Farm | $1,753 | $1,753 |
| USAA | $1,395 | $1,380 |
Cheapest Longwood, FL Car Insurance Rates After a DUI
A DUI in Longwood, FL increases car insurance rates. Compare Longwood, Florida DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $7,750 |
| Geico | $4,673 |
| Liberty Mutual | $6,107 |
| Nationwide | $4,965 |
| Progressive | $5,013 |
| State Farm | $3,090 |
| USAA | $3,702 |
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Cheapest Longwood, FL Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Longwood, 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 | $6,568 | $6,954 |
| Geico | $3,501 | $3,535 |
| Liberty Mutual | $4,369 | $4,656 |
| Nationwide | $3,934 | $3,934 |
| Progressive | $5,097 | $5,097 |
| State Farm | $2,985 | $3,195 |
| USAA | $2,553 | $2,612 |
Cheapest Longwood, FL Car Insurance Rates by ZIP Code
Longwood car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Longwood, FL.
| ZIP Code | Average Annual Rates |
|---|---|
| 32750 | $3,248 |
| 32779 | $3,251 |
The Best Cheap Car Insurance Companies in Longwood, FL
Take a look at a side-by-side comparison of the top car insurance companies in Longwood, FL to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $6,761 |
| Geico | $3,518 |
| Liberty Mutual | $4,512 |
| Nationwide | $3,934 |
| Progressive | $5,097 |
| State Farm | $3,090 |
| USAA | $2,583 |
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Category Winners: Cheapest Car Insurance in Longwood, Florida
Find the cheapest car insurance companies in Longwood, 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 Longwood, FL Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Longwood car insurance rates. Find the cheapest Longwood, FL car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,248 | $7,105 | $7,930 |
| Geico | $2,865 | $3,645 | $4,043 |
| Liberty Mutual | $4,150 | $4,577 | $4,809 |
| Nationwide | $3,106 | $4,090 | $4,606 |
| Progressive | $4,288 | $5,215 | $5,789 |
| State Farm | $2,623 | $3,167 | $3,480 |
| USAA | $2,244 | $2,670 | $2,833 |
What affects car insurance rates in Longwood, Florida?
What factors can have an impact on Longwood, FL car insurance? There are several reasons why Longwood car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Longwood, Florida.
Car Theft in Longwood
High levels of vehicle theft can make car insurance more expensive. Longwood, FL car theft statistics from the FBI indicate 24 vehicle thefts a year.
Commute Time in Longwood
The more time you spend in your car the higher the risk of an accident. The average commute length in Longwood, FL is 27.2 minutes according to City-Data.
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Compare Car Insurance Quotes in Longwood, FL
Ready to find affordable Longwood, Florida car insurance today? Enter your ZIP code for fast, free Longwood, FL car insurance quotes.
Frequently Asked Questions
How are car insurance rates determined in Longwood, FL?
Car insurance rates in Longwood, FL, are determined by several factors. These factors typically include your age, gender, driving record, the make and model of your vehicle, your credit history, the coverage options you choose, and the amount of coverage you desire. Local factors such as the crime rate, population density, and traffic patterns in Longwood can also influence insurance rates.
Are car insurance rates higher in Longwood compared to other areas in Florida?
Car insurance rates can vary from one location to another within Florida, including Longwood. Insurance rates in Longwood may be influenced by factors such as local demographics, the frequency of accidents in the area, and the number of insurance claims filed. To determine if rates are higher or lower, it is recommended to compare quotes from multiple insurance companies.
How can I find the best car insurance rates in Longwood, FL?
To find the best car insurance rates in Longwood, FL, it is advisable to shop around and obtain quotes from multiple insurance companies. You can contact insurance agents directly or use online comparison tools to gather and compare quotes. Additionally, maintaining a clean driving record, bundling your insurance policies, and considering higher deductibles may help in obtaining more affordable rates.
What are the minimum car insurance requirements in Longwood, FL?
In Florida, the minimum car insurance requirements include personal injury protection (PIP) coverage and property damage liability (PDL) coverage. The minimum PIP coverage limit is $10,000, and the minimum PDL coverage limit is $10,000. It’s important to note that these are the minimum requirements, and it may be wise to consider higher coverage limits for better protection.
Do I need additional coverage options beyond the minimum requirements in Longwood?
While the minimum required coverage is mandated by law, it may not provide sufficient protection in certain situations. Additional coverage options, such as bodily injury liability coverage, uninsured/underinsured motorist coverage, comprehensive coverage, and collision coverage, can provide added financial security. Consider your personal needs, the value of your vehicle, and your financial situation when deciding on additional coverage.
Are there any discounts available to lower car insurance rates in Longwood, FL?
Yes, many insurance companies offer various discounts that can help lower your car insurance rates in Longwood, FL. Common discounts include safe driver discounts, multi-policy discounts (bundling car insurance with other policies), good student discounts, discounts for completing defensive driving courses, and discounts for certain safety features in your vehicle. It’s worth checking with different insurers to inquire about the discounts they offer.
How does my credit history affect car insurance rates in Longwood, FL?
In Longwood, FL, like in many other states, insurance companies may consider your credit history when determining your car insurance rates. Studies have shown a correlation between credit history and insurance claims, leading insurers to use credit-based insurance scores as one factor in assessing risk. Maintaining good credit can potentially result in lower insurance rates.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
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.