Buy Cheap Polk City, FL Auto Insurance in 2024
Polk City, FL auto insurance rates average $364 a month. Minimum auto insurance requirements in Polk City, Florida are 10/20/10 to comply with Florida laws. To buy cheap auto insurance in Polk City, FL, compare Polk City auto insurance quotes from top companies.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
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
- The most expensive auto insurance company in Polk City after a DUI is Allstate
- Average auto insurance rates in Polk City, FL are $364/month
- Average auto insurance rates in Polk City, FL after a DUI are $5,244/year
Finding affordable Polk City, Florida auto insurance can be challenging, but everything you need to know to buy cheap Polk City, FL auto insurance with confidence is right here. Auto insurance rates in Polk City are affected by local factors as well as personal ones like your driving record.
See how Polk City, FL car insurance rates compare to Fort Lauderdale auto insurance rates, Cape Coral auto insurance rates, and Tallahassee auto insurance rates before you read more about the cost of auto insurance in Polk City.
Don’t buy Polk City, FL auto insurance until you’ve compared rates. Get free Polk City, Florida auto insurance quotes when you enter your ZIP code above.
Polk City, FL Minimum Auto Insurance Requirements
The required auto insurance in Polk City, FL is 10/20/10 according to the auto insurance laws in Florida. The minimum auto insurance in Polk City, 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 |
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Find Cheap Polk City, FL Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Polk City, FL. Take a look at Polk City, Florida auto insurance rates by credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $9,649 | $6,119 | $4,967 |
| Geico | $5,030 | $3,041 | $2,282 |
| Liberty Mutual | $6,319 | $4,641 | $3,765 |
| Nationwide | $5,119 | $3,752 | $3,391 |
| Progressive | $7,033 | $5,005 | $4,177 |
| State Farm | $4,057 | $2,670 | $2,195 |
| USAA | $4,648 | $2,267 | $1,642 |
Buy Cheap Polk City, FL Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Polk City, Florida auto insurance rates? Find out how car insurance rates in Polk City, 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 | $4,265 | $4,070 | $3,711 | $3,769 | $14,859 | $16,069 | $4,245 | $4,305 |
| Geico | $2,728 | $2,738 | $2,556 | $2,556 | $4,877 | $6,109 | $3,003 | $3,042 |
| Liberty Mutual | $3,404 | $3,404 | $3,119 | $3,119 | $7,172 | $11,039 | $3,404 | $4,607 |
| Nationwide | $2,856 | $2,816 | $2,548 | $2,635 | $6,918 | $8,512 | $3,145 | $3,269 |
| Progressive | $3,598 | $3,394 | $3,093 | $3,311 | $10,204 | $11,146 | $4,341 | $4,151 |
| State Farm | $1,917 | $1,917 | $1,739 | $1,739 | $5,290 | $6,799 | $2,125 | $2,264 |
| USAA | $1,645 | $1,617 | $1,539 | $1,524 | $5,660 | $6,561 | $2,055 | $2,217 |
Buy Cheap Polk City, FL Auto Insurance for Teen Drivers
Auto insurance for teenagers in Polk City can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Polk City, FL are listed here.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $14,859 | $16,069 |
| Geico | $4,877 | $6,109 |
| Liberty Mutual | $7,172 | $11,039 |
| Nationwide | $6,918 | $8,512 |
| Progressive | $10,204 | $11,146 |
| State Farm | $5,290 | $6,799 |
| USAA | $5,660 | $6,561 |
Buy Cheap Polk City, FL Auto Insurance for Seniors
You can save on senior auto insurance rates in Polk City, Florida by comparing Polk City senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Polk City, FL here.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,711 | $3,769 |
| Geico | $2,556 | $2,556 |
| Liberty Mutual | $3,119 | $3,119 |
| Nationwide | $2,548 | $2,635 |
| Progressive | $3,093 | $3,311 |
| State Farm | $1,739 | $1,739 |
| USAA | $1,539 | $1,524 |
Find Cheap Auto Insurance Rates in Polk City, FL by Coverage Level
The amount of coverage you choose is a big factor in the cost of Polk City, Florida auto insurance. Compare Polk City, FL auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,399 | $7,255 | $8,081 |
| Geico | $2,844 | $3,568 | $3,941 |
| Liberty Mutual | $4,517 | $4,982 | $5,226 |
| Nationwide | $3,250 | $4,245 | $4,768 |
| Progressive | $4,500 | $5,533 | $6,181 |
| State Farm | $2,535 | $3,045 | $3,341 |
| USAA | $2,452 | $2,956 | $3,148 |
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Find Cheap Polk City, FL Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Polk City. Compare auto insurance rates in Polk City, 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 | $6,717 | $7,106 |
| Geico | $3,435 | $3,468 |
| Liberty Mutual | $4,750 | $5,067 |
| Nationwide | $4,088 | $4,088 |
| Progressive | $5,405 | $5,405 |
| State Farm | $2,871 | $3,077 |
| USAA | $2,820 | $2,885 |
Find Cheap Polk City, FL Auto Insurance Rates by Driving Record
Auto insurance rates in Polk City, Florida are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Polk City, FL, take a look at the average cost for various violations versus rates for a clean driving record in Polk City.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $5,945 | $7,142 | $7,947 | $6,613 |
| Geico | $2,402 | $3,072 | $4,576 | $3,755 |
| Liberty Mutual | $3,552 | $4,599 | $6,649 | $4,834 |
| Nationwide | $3,484 | $3,826 | $5,166 | $3,874 |
| Progressive | $4,260 | $6,318 | $5,314 | $5,728 |
| State Farm | $2,721 | $3,226 | $2,974 | $2,974 |
| USAA | $2,231 | $2,757 | $4,080 | $2,340 |
Find Cheap Polk City, FL Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Polk City, Florida is higher than for a clean driving record. You can buy auto insurance after a DUI in Polk City for less when you shop around and compare rates from multiple Polk City, FL auto insurance companies.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $7,947 |
| Geico | $4,576 |
| Liberty Mutual | $6,649 |
| Nationwide | $5,166 |
| Progressive | $5,314 |
| State Farm | $2,974 |
| USAA | $4,080 |
Winners by Category: Where to Buy Cheap Auto Insurance in Polk City, FL
Compare rates from the cheapest auto insurance companies in Polk City, FL for your needs. Take a look at how Polk City, Florida auto insurance companies stack up for each category.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
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Find Cheap Polk City, Florida Auto Insurance Companies
If you’re looking for the cheapest Polk City, FL auto insurance companies overall, you can compare them here. Find the best price for Polk City, Florida car insurance by company.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $6,912 |
| Geico | $3,451 |
| Liberty Mutual | $4,908 |
| Nationwide | $4,088 |
| Progressive | $5,405 |
| State Farm | $2,974 |
| USAA | $2,852 |
What affects Polk City, Florida auto insurance rates?
Local factors affect auto insurance rates in Polk City, FL, including traffic, theft statistics, and commute length. Take a look at the things that impact Polk City auto insurance rates.
Commute Times in Polk City
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Polk City, FL is 32.5 minutes according to City-Data.
Compare Auto Insurance Quotes in Polk City, FL
You can buy cheap Polk City, FL auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Polk City, Florida auto insurance quotes from top companies.
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Frequently Asked Questions
Why is it important to have auto insurance?
Auto insurance provides financial protection in case of accidents, damage, or theft of your vehicle. It also helps cover medical expenses for injuries sustained in an accident and protects you from potential lawsuits.
Can I find cheap auto insurance in Polk City, FL in 2023?
Yes, it is possible to find affordable auto insurance in Polk City, FL in 2023. By comparing quotes from different insurance providers and considering factors such as your driving history, vehicle type, and coverage needs, you can find reasonably priced options.
What factors can affect the cost of auto insurance in Polk City, FL?
Several factors can impact the cost of auto insurance in Polk City, FL, including your age, driving record, credit score, the make and model of your vehicle, the coverage options you choose, and the deductible amount.
What types of auto insurance coverage are available in Polk City, FL?
In Polk City, FL, you can typically find various types of auto insurance coverage, including liability coverage (which is required by law), collision coverage, comprehensive coverage, personal injury protection (PIP), uninsured/underinsured motorist coverage, and more.
Are there any discounts available for auto insurance in Polk City, FL?
Yes, many insurance providers offer discounts that can help reduce the cost of auto insurance. Common discounts include safe driver discounts, multi-policy discounts, good student discounts, and discounts for installing safety features in your vehicle.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
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.