Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Indian Shores, FL
We monitor insurance prices, helping the average driver in Indian Shores save up to 34.6% on car insurance.
The Cheapest Minimum Coverage in Indian Shores
The chart below shows the cheapest car insurance company in Indian Shores for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Geico, followed by State Farm, Gainsco, and Bristol West.
| Indian Shores Insurer | Monthly Cost |
|---|---|
| Geico | $135 |
| State Farm | $143 |
| Gainsco | $187 |
| Bristol West | $187 |
Savings for Every Kind of Indian Shores Driver
Based on our extensive insurance data, we know the average Indian Shores driver will save about 29% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $827 per year by choosing the right vehicle insurance company. Some Indian Shores residents are paying out over $2,825 extra every year for auto insurance in Indian Shores. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Indian Shores, FL Savings / Yr. |
|---|---|
$827 |
|
$1,214 |
|
$933 |
|
$924 |
|
$2,935 |
|
$802 |
|
$1,169 |
Indian Shores Car Insurance vs. Florida
People living in Indian Shores pay an average of 6.93% more than the typical driver in the state. The average driver in Indian Shores can expect to pay about $2,579 per year, or $2,825 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Indian Shores for most people.
Car Insurance Prices by Indian Shores Neighborhood
Insurance Prices
Where is insurance cheapest within Indian Shores?
The map shows insurance prices in and around Indian Shores, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $131 per year within the city boundaries, with insurance premiums ranging from a high of $2,868 to a low of $2,737. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Southeast parts of Indian Shores.Pick the Best Car Insurance Company for You in Indian Shores
The best car insurance provider for most drivers in Indian Shores
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $827 over the average Indian Shores car insurance company.
The best car insurance provider for Indian Shores drivers with accidents on their records
In our analysis, Geico saved the average person who had been in an accident the most, with annual savings averaging $1,214 over the competition.
The best car insurance company for Indian Shores drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $933 better than other car insurance companies.
The best auto insurance for Indian Shores drivers with a DUI conviction
Getting a quote from Geico may cost the average person with a DUI about $924 less each year.
The least expensive car insurance company for new and young drivers in Indian Shores
In Indian Shores, Geico costs young drivers $2,935 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Indian Shores
Geico gave the largest car insurance discounts to married couples, averaging $802 saved each year compared to an average Indian Shores couple's premiums.
The cheapest car insurance in Indian Shores for drivers with bad credit
The best Indian Shores car insurance company for customer service
Allstate was the best company for customer service in Indian Shores according to the NAIC.
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Indian Shores, which was better than other insurers.
The cheapest large national provider in Indian Shores
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Indian Shores driver can expect to pay about $156 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Indian Shores, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.Auto Insurance Prices in and Around Indian Shores
What Influences the Cost of Car Insurance in Indian Shores?
On average, car insurance in Indian Shores is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Indian Shores is 45 minutes, which is far more than average for a driver in the state.
- Florida state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Indian Shores are among the highest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of C+ according to CrimeGrade.org.
- Indian Shores is one of the least populated areas in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Indian Shores is $215 per month for minimum coverage and $235 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Redington Shores: Insurance costs 1.84% less
- Seminole: Insurance costs 1.52% less
- North Redington Beach: Insurance costs 0.64% less
- Indian Rocks Beach: Insurance costs 0.85% less
- Redington Beach: Insurance costs 1.10% less
- Bay Pines: Insurance costs 0.92% less
- Belleair Bluffs: Insurance costs 2.41% less
- Belleair Beach: Insurance costs 1.10% less
- Madeira Beach: Insurance costs 1.27% less
- Largo: Insurance costs 0.85% less
Cities with Similar Populations
- Alger: Insurance costs 61.20% less
- Wright: Insurance costs 7.15% less
- Bitely: Insurance costs 0.46% more
- Bergman: Insurance costs 41.73% less
- Bascom: Insurance costs 62.69% less
- Badger: Insurance costs 44.35% less
- Atlas: Insurance costs 0.85% more
- Atlantic Mine: Insurance costs 2.65% less
- Ashmore: Insurance costs 49.95% less
- Arapahoe: Insurance costs 48.88% less