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Get Cheap Car Insurance in Key Largo, FL
We monitor insurance prices, helping the average driver in Key Largo save up to 34.6% on car insurance.
The Cheapest Minimum Coverage in Key Largo
The chart below shows the cheapest car insurance company in Key Largo 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.
| Key Largo Insurer | Monthly Cost |
|---|---|
| Geico | $124 |
| State Farm | $131 |
| Gainsco | $171 |
| Bristol West | $171 |
Savings for Every Kind of Key Largo Driver
Based on our extensive insurance data, we know the average Key Largo 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 $758 per year by choosing the right vehicle insurance company. Some Key Largo residents are paying out over $2,589 extra every year for auto insurance in Key Largo. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Key Largo, FL Savings / Yr. |
|---|---|
$758 |
|
$1,112 |
|
$856 |
|
$847 |
|
$2,690 |
|
$735 |
|
$1,071 |
Key Largo Car Insurance vs. Florida
People living in Key Largo pay an average of 1.99% less than the typical driver in the state. The average driver in Key Largo can expect to pay about $2,364 per year, or $2,589 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Key Largo for most people.
Car Insurance Prices by Key Largo Neighborhood
Insurance Prices
Where is insurance cheapest within Key Largo?
The map shows insurance prices in and around Key Largo, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $219 per year within the city boundaries, with insurance premiums ranging from a high of $2,685 to a low of $2,466. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Southwest parts of Key Largo.Pick the Best Car Insurance Company for You in Key Largo
The best car insurance provider for most drivers in Key Largo
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $758 over the average Key Largo car insurance company.
The best car insurance provider for Key Largo 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 $1,112 over the competition.
The best car insurance company for Key Largo drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $856 better than other car insurance companies.
The best auto insurance for Key Largo drivers with a DUI conviction
Getting a quote from Geico may cost the average person with a DUI about $847 less each year.
The least expensive car insurance company for new and young drivers in Key Largo
In Key Largo, Geico costs young drivers $2,690 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Key Largo
Geico gave the largest car insurance discounts to married couples, averaging $735 saved each year compared to an average Key Largo couple's premiums.
The cheapest car insurance in Key Largo for drivers with bad credit
The best Key Largo car insurance company for customer service
Recent price drops
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The cheapest large national provider in Key Largo
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Key Largo 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 Key Largo, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.Auto Insurance Prices in and Around Key Largo
What Influences the Cost of Car Insurance in Key Largo?
On average, car insurance in Key Largo is actually less expensive than the rest of the state. These low 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:
- 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 Key Largo are higher than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of B according to CrimeGrade.org.
- Key Largo is a fairly densely populated area in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Key Largo is $197 per month for minimum coverage and $216 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
- Tavernier: Insurance costs 6.60% less
- Islamorada: Insurance costs 8.03% less
- Florida City: Insurance costs 25.57% more
- Homestead: Insurance costs 25.42% more
- Redland: Insurance costs 8.92% more
- Leisure City: Insurance costs 31.17% more
- Plantation Key: Insurance costs 7.53% less
- Naranja: Insurance costs 32.33% more
- Princeton: Insurance costs 31.05% more
- Goulds: Insurance costs 32.17% more
Cities with Similar Populations
- Butner: Insurance costs 49.32% less
- West Point: Insurance costs 33.53% less
- West Grove: Insurance costs 46.47% less
- West Freehold: Insurance costs 30.28% less
- West Carrollton: Insurance costs 56.93% less
- Wesley Chapel: Insurance costs 49.90% less
- Cherryville: Insurance costs 52.14% less
- Carnot-Moon: Insurance costs 46.62% less
- California: Insurance costs 31.02% less
- California City: Insurance costs 19.66% less