Best Perry, FL Car Insurance in 2025
Car insurance in Perry, FL averages $309 a month. Perry, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Perry car insurance rates, compare quotes from the top car insurance companies in Perry, FL.
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Table of Contents
Table of Contents
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Jeffrey Manola
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Michael Leotta
Updated December 2025
- Average car insurance rates in Perry, FL are $3,702/year
- The cheapest ZIP code in Perry is 32347
- The cheapest car insurance company in Perry is USAA
If you need to buy Perry, Florida car insurance, the options can be confusing. Everything you need to know about car insurance in Perry, FL is right here.
You’ll find Perry car insurance rates, the cheapest Perry, FL car insurance companies, and information on Florida car insurance laws. You can also compare Perry, Florida car insurance rates to Miami car insurance rates, Tallahassee car insurance rates, and Cape Coral car insurance rates.
Ready to find affordable Perry, FL car insurance today? Enter your ZIP code for fast, free Perry car insurance quotes.
Cheapest Perry, FL Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Perry, FL car insurance rates? Every Perry, 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 | $3,467 | $3,342 | $3,017 | $3,079 | $11,709 | $12,685 | $3,542 | $3,626 |
| Geico | $2,517 | $2,541 | $2,350 | $2,350 | $4,405 | $5,588 | $2,777 | $2,854 |
| Liberty Mutual | $2,948 | $2,948 | $2,707 | $2,707 | $6,143 | $9,420 | $2,948 | $3,966 |
| Nationwide | $2,302 | $2,284 | $2,057 | $2,134 | $5,480 | $6,791 | $2,533 | $2,652 |
| Progressive | $3,093 | $2,943 | $2,665 | $2,858 | $8,493 | $9,366 | $3,749 | $3,660 |
| State Farm | $1,719 | $1,719 | $1,546 | $1,546 | $4,900 | $6,272 | $1,898 | $2,054 |
| USAA | $1,387 | $1,368 | $1,282 | $1,281 | $4,617 | $5,403 | $1,740 | $1,889 |
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Minimum Car Insurance in Perry, FL
Every driver must carry the minimum car insurance in Perry, 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 Perry, FL Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Perry, FL. Compare credit history car insurance rates in Perry from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,742 | $4,918 | $4,015 |
| Geico | $4,533 | $2,820 | $2,166 |
| Liberty Mutual | $5,420 | $3,996 | $3,254 |
| Nationwide | $4,095 | $3,013 | $2,729 |
| Progressive | $6,021 | $4,252 | $3,536 |
| State Farm | $3,653 | $2,441 | $2,026 |
| USAA | $3,880 | $1,875 | $1,358 |
Cheapest Perry, 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 Perry, FL to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,816 | $5,723 | $6,362 | $5,332 |
| Geico | $2,272 | $2,847 | $4,139 | $3,434 |
| Liberty Mutual | $3,089 | $3,966 | $5,677 | $4,161 |
| Nationwide | $2,824 | $3,078 | $4,094 | $3,120 |
| Progressive | $3,663 | $5,356 | $4,520 | $4,873 |
| State Farm | $2,486 | $2,927 | $2,707 | $2,707 |
| USAA | $1,875 | $2,293 | $3,354 | $1,961 |
Cheapest Perry, FL Car Insurance for Teen Drivers
Teen car insurance in Perry, FL can be expensive. Take a look at rates from the top car insurance companies in Perry for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $11,709 | $12,685 |
| Geico | $4,405 | $5,588 |
| Liberty Mutual | $6,143 | $9,420 |
| Nationwide | $5,480 | $6,791 |
| Progressive | $8,493 | $9,366 |
| State Farm | $4,900 | $6,272 |
| USAA | $4,617 | $5,403 |
Cheapest Perry, FL Car Insurance for Seniors
Take a look at Perry, 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 | $3,017 | $3,079 |
| Geico | $2,350 | $2,350 |
| Liberty Mutual | $2,707 | $2,707 |
| Nationwide | $2,057 | $2,134 |
| Progressive | $2,665 | $2,858 |
| State Farm | $1,546 | $1,546 |
| USAA | $1,282 | $1,281 |
Cheapest Perry, FL Car Insurance Rates After a DUI
A DUI in Perry, FL increases car insurance rates. Compare Perry, Florida DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,362 |
| Geico | $4,139 |
| Liberty Mutual | $5,677 |
| Nationwide | $4,094 |
| Progressive | $4,520 |
| State Farm | $2,707 |
| USAA | $3,354 |
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Cheapest Perry, FL Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Perry, 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 | $5,398 | $5,719 |
| Geico | $3,157 | $3,189 |
| Liberty Mutual | $4,089 | $4,357 |
| Nationwide | $3,279 | $3,279 |
| Progressive | $4,603 | $4,603 |
| State Farm | $2,617 | $2,797 |
| USAA | $2,344 | $2,398 |
Cheapest Perry, FL Car Insurance Rates by ZIP Code
Perry car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Perry, FL.
| ZIP Code | Average Annual Rates |
|---|---|
| 32347 | $2,863 |
| 32348 | $2,863 |
The Best Cheap Car Insurance Companies in Perry, FL
Take a look at a side-by-side comparison of the top car insurance companies in Perry, FL to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,558 |
| Geico | $3,173 |
| Liberty Mutual | $4,223 |
| Nationwide | $3,279 |
| Progressive | $4,603 |
| State Farm | $2,707 |
| USAA | $2,371 |
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Category Winners: Cheapest Car Insurance in Perry, Florida
Find the cheapest car insurance companies in Perry, 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 |
Cheapest Perry, FL Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Perry car insurance rates. Find the cheapest Perry, FL car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,446 | $5,810 | $6,420 |
| Geico | $2,674 | $3,268 | $3,577 |
| Liberty Mutual | $3,914 | $4,282 | $4,474 |
| Nationwide | $2,669 | $3,395 | $3,774 |
| Progressive | $4,000 | $4,689 | $5,120 |
| State Farm | $2,367 | $2,761 | $2,992 |
| USAA | $2,083 | $2,445 | $2,584 |
What affects car insurance rates in Perry, Florida?
What factors can have an impact on Perry, FL car insurance? There are several reasons why Perry car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Perry, Florida.
Car Theft in Perry
High levels of vehicle theft can make car insurance more expensive. Perry, FL car theft statistics from the FBI indicate 12 vehicle thefts a year.
Commute Time in Perry
The more time you spend in your car the higher the risk of an accident. The average commute length in Perry, FL is 21.9 minutes according to City-Data.
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Compare Car Insurance Quotes in Perry, FL
Ready to find affordable Perry, Florida car insurance today? Enter your ZIP code for fast, free Perry, FL car insurance quotes.
Frequently Asked Questions
How are car insurance rates determined in Perry, FL?
Car insurance rates in Perry, FL are determined by several factors, including your driving history, the type of vehicle you own, your age and gender, your credit score, the coverage options you choose, and the insurance company you select.
What are the average car insurance rates in Perry, FL?
The average car insurance rates in Perry, FL can vary depending on the factors mentioned earlier. On average, residents of Perry pay around $1,200 to $1,500 per year for car insurance coverage.
Which insurance companies offer car insurance in Perry, FL?
There are several insurance companies that offer car insurance coverage in Perry, FL. Some popular options include State Farm, Allstate, Progressive, GEICO, and Farmers Insurance. It’s advisable to obtain quotes from multiple companies to compare rates and coverage options.
Are there any discounts available to lower car insurance rates in Perry, FL?
Yes, many insurance companies offer discounts to help lower car insurance rates in Perry, FL. Some common discounts include safe driver discounts, multi-policy discounts (bundling car insurance with other types of insurance), good student discounts, and discounts for having safety features in your vehicle.
Can I change my car insurance coverage limits to adjust my rates?
Yes, you can adjust your car insurance coverage limits to impact your rates. Choosing higher coverage limits generally leads to higher premiums, while opting for lower coverage limits can reduce your premiums. However, it’s essential to ensure that you have adequate coverage to protect yourself financially in case of an accident.
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