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Get Cheap Car Insurance in Leon County, FL

We monitor insurance prices, helping the average driver in Leon County save up to 34.6% on car insurance.

 

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The Cheapest Minimum Coverage in Leon County

The chart below shows the cheapest car insurance company in Leon County 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.

 
Leon County Insurer Monthly Cost
Geico $119
State Farm $126
Gainsco $164
Bristol West $164

Savings for Every Kind of Leon County Driver

The table shows how much the average auto insurance customer in Leon County might save by following our recommendations.

Based on our extensive insurance data, we know the average Leon County 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 $726 per year by choosing the right vehicle insurance company. Some Leon County residents are paying out over $2,483 extra every year for auto insurance in Leon County. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Leon County, FL Savings / Yr.
Drivers with good records
$726
Drivers with accidents
$1,067
Drivers with speeding tickets
$820
Drivers with a DUI conviction
$812
Young drivers
$2,580
Married drivers
$705
Drivers with bad credit
$1,027

Leon County Car Insurance vs. Florida

People living in Leon County pay an average of 6.02% less than the typical driver in the state. The average driver in Leon County can expect to pay about $2,267 per year, or $2,483 for full coverage.

Based on our analysis, Geico will be the cheapest provider in Leon County for most people.

Car Insurance Prices by Leon County Neighborhood

Leon County, FL map of insurance costs by zip code and neighborhood

Insurance Prices

More expensive
Average
Less expensive

Where is insurance cheapest within Leon County?

The map shows insurance prices in and around Leon County, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $753 per year within the county boundaries, with insurance premiums ranging from a high of $3,009 to a low of $2,256. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Northeast parts of Leon County.

Pick the Best Car Insurance Company for You in Leon County

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Leon County insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Leon County

For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $726 over the average Leon County car insurance company.

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We use the average good driver, paying $146 per month, as our baseline for pricing in Leon County. State Farm, Geico, and Travelers are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Leon County drivers with accidents on their records

In Leon County getting into an accident will raise premiums an average 28% for a yearly cost of $3,447. That's $964 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Geico, and Travelers are good choices for drivers with accidents.

In our analysis, Geico saved the average person who had been in an accident the most, with annual savings averaging $1,067 over the competition.

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The best car insurance company for Leon County drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $820 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Leon County, tickets raise premiums on new quotes about $692. If you have a speeding ticket, we recommend State Farm, Geico, and Gainsco for savings that beat the average insurance cost of $3,175 per year.

The best auto insurance for Leon County drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,389 per year in auto insurance premiums, which was $906 more than a driver with no major issues. State Farm, Geico, and Safeco Insurance penalized their customers the least for a DUI.

Getting a quote from Geico may cost the average person with a DUI about $812 less each year.

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The least expensive car insurance company for new and young drivers in Leon County

In Leon County, Geico costs young drivers $2,580 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 67% more for insurance than more mature drivers in Leon County. With an average cost of $7,451 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Travelers try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Leon County

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $175. State Farm, Geico, and Progressive provided the largest discounts to couples living in Leon County.

Geico gave the largest car insurance discounts to married couples, averaging $705 saved each year compared to an average Leon County couple's premiums.

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The cheapest car insurance in Leon County for drivers with bad credit

People with poor credit saved an average of $1,027 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,187 every year. Premiums for people with poor credit were about $3,670 in Leon County. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from State Farm, Geico, and Gainsco.

The best Leon County car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Leon County, the National Association of Insurance Commissioners (NAIC) ranks Allstate as the best. Another valuable metric: JD Power ranks State Farm as the best provider in Leon County.

Allstate was the best company for customer service in Leon County according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Leon County, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Leon County. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Leon County

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 45% of Leon County residents who are renting, and don't plan to be in the county or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Geico tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Leon County driver can expect to pay about $156 per month.

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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 Leon County, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.
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Auto Insurance Prices in and Around Leon County

What Influences the Cost of Car Insurance in Leon County?

On average, car insurance in Leon County 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 county are influenced by the following factors:

  • The average commute time in Leon County is 25 minutes, which is far less 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 Leon County are among the lowest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
  • Leon County is one of the least populated areas in the state. The county’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 Leon County is $189 per month for minimum coverage and $207 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 Counties

Counties with Similar Populations

* Who is the average Leon County driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Leon County with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.