Buy Cheap Merritt Island, FL Auto Insurance in 2024
Merritt Island, FL auto insurance rates average $327 a month. Minimum auto insurance requirements in Merritt Island, Florida are 10/20/10 to comply with Florida laws. To buy cheap auto insurance in Merritt Island, FL, compare Merritt Island auto insurance quotes from top companies.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
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: Aug 26, 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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page 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: Aug 26, 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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average auto insurance rates in Merritt Island, FL for teens drivers are $7,021/year
- The most expensive auto insurance company in Merritt Island after a DUI is Allstate
- Average auto insurance rates in Merritt Island, FL are $327/month
Finding affordable Merritt Island, Florida auto insurance can be challenging, but everything you need to know to buy cheap Merritt Island, FL auto insurance with confidence is right here. Auto insurance rates in Merritt Island are affected by local factors as well as personal ones like your driving record.
See how Merritt Island, FL car insurance rates compare to Tampa auto insurance rates, Port St. Lucie auto insurance rates, and Fort Lauderdale auto insurance rates before you read more about the cost of auto insurance in Merritt Island.
Don’t buy Merritt Island, FL auto insurance until you’ve compared rates. Get free Merritt Island, Florida auto insurance quotes when you enter your ZIP code above.
Merritt Island, FL Minimum Auto Insurance Requirements
The required auto insurance in Merritt Island, FL is 10/20/10 according to the auto insurance laws in Florida. The minimum auto insurance in Merritt Island, Florida is outlined here.
| 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 |
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Find Cheap Merritt Island, FL Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Merritt Island, FL. Take a look at Merritt Island, Florida auto insurance rates by credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $8,982 | $5,708 | $4,649 |
| Geico | $4,889 | $2,969 | $2,235 |
| Liberty Mutual | $5,651 | $4,171 | $3,399 |
| Nationwide | $4,308 | $3,180 | $2,881 |
| Progressive | $6,504 | $4,612 | $3,842 |
| State Farm | $3,498 | $2,295 | $1,883 |
| USAA | $3,674 | $1,812 | $1,322 |
Buy Cheap Merritt Island, FL Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Merritt Island, Florida auto insurance rates? Find out how car insurance rates in Merritt Island, FL are impacted by demographics.
| 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 | $3,917 | $3,784 | $3,435 | $3,509 | $13,809 | $15,126 | $3,956 | $4,036 |
| Geico | $2,651 | $2,664 | $2,485 | $2,485 | $4,746 | $5,988 | $2,922 | $2,973 |
| Liberty Mutual | $3,079 | $3,079 | $2,829 | $2,829 | $6,404 | $9,815 | $3,079 | $4,142 |
| Nationwide | $2,441 | $2,413 | $2,187 | $2,261 | $5,773 | $7,101 | $2,683 | $2,792 |
| Progressive | $3,350 | $3,157 | $2,882 | $3,082 | $9,364 | $10,198 | $4,019 | $3,838 |
| State Farm | $1,635 | $1,635 | $1,491 | $1,491 | $4,567 | $5,898 | $1,814 | $1,937 |
| USAA | $1,318 | $1,295 | $1,235 | $1,223 | $4,481 | $5,199 | $1,638 | $1,764 |
Buy Cheap Merritt Island, FL Auto Insurance for Teen Drivers
Auto insurance for teenagers in Merritt Island can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Merritt Island, FL are listed here.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $13,809 | $15,126 |
| Geico | $4,746 | $5,988 |
| Liberty Mutual | $6,404 | $9,815 |
| Nationwide | $5,773 | $7,101 |
| Progressive | $9,364 | $10,198 |
| State Farm | $4,567 | $5,898 |
| USAA | $4,481 | $5,199 |
Buy Cheap Merritt Island, FL Auto Insurance for Seniors
You can save on senior auto insurance rates in Merritt Island, Florida by comparing Merritt Island senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Merritt Island, FL here.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,435 | $3,509 |
| Geico | $2,485 | $2,485 |
| Liberty Mutual | $2,829 | $2,829 |
| Nationwide | $2,187 | $2,261 |
| Progressive | $2,882 | $3,082 |
| State Farm | $1,491 | $1,491 |
| USAA | $1,235 | $1,223 |
Find Cheap Auto Insurance Rates in Merritt Island, FL by Coverage Level
The amount of coverage you choose is a big factor in the cost of Merritt Island, Florida auto insurance. Compare Merritt Island, FL auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,934 | $6,790 | $7,616 |
| Geico | $2,714 | $3,489 | $3,890 |
| Liberty Mutual | $4,030 | $4,474 | $4,717 |
| Nationwide | $2,690 | $3,601 | $4,078 |
| Progressive | $4,170 | $5,103 | $5,686 |
| State Farm | $2,160 | $2,625 | $2,891 |
| USAA | $1,958 | $2,350 | $2,500 |
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Find Cheap Merritt Island, FL Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Merritt Island. Compare auto insurance rates in Merritt Island, FL by commute length to see how your daily commute impacts your rates.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $6,262 | $6,631 |
| Geico | $3,348 | $3,381 |
| Liberty Mutual | $4,268 | $4,546 |
| Nationwide | $3,456 | $3,456 |
| Progressive | $4,986 | $4,986 |
| State Farm | $2,472 | $2,646 |
| USAA | $2,244 | $2,295 |
Find Cheap Merritt Island, FL Auto Insurance Rates by ZIP Code
Auto insurance rates in Merritt Island, Florida can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Merritt Island, FL to see how much where you live in Merritt Island affects the cost of car insurance.
| ZIP Code | Average Annual Rates |
|---|---|
| 32952 | $3,041 |
| 32953 | $3,035 |
Find Cheap Merritt Island, FL Auto Insurance Rates by Driving Record
Auto insurance rates in Merritt Island, Florida are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Merritt Island, FL, take a look at the average cost for various violations versus rates for a clean driving record in Merritt Island.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $5,551 | $6,642 | $7,419 | $6,174 |
| Geico | $2,354 | $2,999 | $4,447 | $3,657 |
| Liberty Mutual | $3,196 | $4,130 | $5,961 | $4,340 |
| Nationwide | $2,961 | $3,242 | $4,341 | $3,281 |
| Progressive | $3,948 | $5,814 | $4,903 | $5,280 |
| State Farm | $2,340 | $2,778 | $2,559 | $2,559 |
| USAA | $1,776 | $2,193 | $3,246 | $1,862 |
Find Cheap Merritt Island, FL Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Merritt Island, Florida is higher than for a clean driving record. You can buy auto insurance after a DUI in Merritt Island for less when you shop around and compare rates from multiple Merritt Island, FL auto insurance companies.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $7,419 |
| Geico | $4,447 |
| Liberty Mutual | $5,961 |
| Nationwide | $4,341 |
| Progressive | $4,903 |
| State Farm | $2,559 |
| USAA | $3,246 |
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Winners by Category: Where to Buy Cheap Auto Insurance in Merritt Island, FL
Compare rates from the cheapest auto insurance companies in Merritt Island, FL for your needs. Take a look at how Merritt Island, Florida auto insurance companies stack up for each category.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
Find Cheap Merritt Island, Florida Auto Insurance Companies
If you’re looking for the cheapest Merritt Island, FL auto insurance companies overall, you can compare them here. Find the best price for Merritt Island, Florida car insurance by company.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $6,447 |
| Geico | $3,364 |
| Liberty Mutual | $4,407 |
| Nationwide | $3,456 |
| Progressive | $4,986 |
| State Farm | $2,559 |
| USAA | $2,269 |
What affects Merritt Island, Florida auto insurance rates?
Local factors affect auto insurance rates in Merritt Island, FL, including traffic, theft statistics, and commute length. Take a look at the things that impact Merritt Island auto insurance rates.
Commute Times in Merritt Island
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Merritt Island, FL is 24.1 minutes according to City-Data.
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Compare Auto Insurance Quotes in Merritt Island, FL
You can buy cheap Merritt Island, FL auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Merritt Island, Florida auto insurance quotes from top companies.
Frequently Asked Questions
What are the benefits of buying cheap auto insurance in Merritt Island, FL?
The benefits of buying cheap auto insurance in Merritt Island, FL include:
- Cost savings: Cheap insurance typically means lower premiums, allowing you to save money on your auto insurance expenses.
- Legal compliance: Auto insurance is mandatory in Florida, so purchasing a cheap policy ensures that you meet the legal requirements.
- Financial protection: Even with a cheap policy, you’ll have some level of coverage to protect yourself financially in case of an accident or other covered events.
What are the potential drawbacks of cheap auto insurance in Merritt Island, FL?
While cheap auto insurance may be enticing, it’s important to be aware of the potential drawbacks:
- Limited coverage: Cheap insurance policies often provide minimal coverage, which may leave you underinsured in the event of a significant accident or damage.
- Higher deductibles: Cheap policies often come with higher deductibles, meaning you’ll have to pay more out of pocket before the insurance coverage kicks in.
- Limited customer support: Some cheap insurance providers may offer limited customer support or slower claims processing, which could be frustrating during a claims process.
How can I find cheap auto insurance in Merritt Island, FL?
To find cheap auto insurance in Merritt Island, FL, you can:
- Shop around: Obtain quotes from multiple insurance providers to compare rates and coverage options.
- Opt for higher deductibles: Choosing a higher deductible can lower your premiums, but be sure you can comfortably afford the deductible amount.
- Look for discounts: Many insurance companies offer discounts for things like safe driving records, bundling policies, or having certain safety features in your vehicle.
Will my coverage be compromised if I buy cheap auto insurance?
While cheap auto insurance policies may provide limited coverage, they still meet the minimum requirements set by the state of Florida. However, it’s essential to review the policy carefully to ensure it meets your specific needs and provides adequate coverage.
Are there any specific requirements for auto insurance in Merritt Island, FL?
Yes, Florida has specific requirements for auto insurance. The minimum coverage requirements include:
- $10,000 in Personal Injury Protection (PIP)
- $10,000 in Property Damage Liability (PDL)
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
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.