Buy Cheap Merritt Island, FL Auto Insurance (2022)

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.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: Mar 15, 2022

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A Concise Overview

  • 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.

Minimum Required Auto Insurance Coverage in Merritt Island, Florida

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

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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.

Annual Auto Insurance Rates by Credit Score in Merritt Island, Florida

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.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Merritt Island, Florida

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.

Annual Auto Insurance Rates for Teen Drivers in Merritt Island, Florida

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.

Annual Auto Insurance Rates for Senior Drivers in Merritt Island, Florida

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.

Annual Auto Insurance Rates by Coverage Level in Merritt Island, Florida

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

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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.

Annual Auto Insurance Rates by Commute Length in Merritt Island, Florida

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.

Annual Auto Insurance Rates by ZIP Code in Merritt Island, Florida

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.

Annual Merritt Island, Florida Auto Insurance Rates by Driving Record

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.

Annual Auto Insurance Rates After a DUI in Merritt Island, Florida

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

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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.

Best Annual Auto Insurance Rates by Company in Merritt Island, Florida

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.

Average Annual Auto Insurance Rates by Company in Merritt Island, Florida

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.

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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.

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