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Get Cheap Car Insurance in Limestone Creek, FL

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

 

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The Cheapest Minimum Coverage in Limestone Creek

The chart below shows the cheapest car insurance company in Limestone Creek 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.

 
Limestone Creek Insurer Monthly Cost
Geico $126
State Farm $134
Gainsco $175
Bristol West $175

Savings for Every Kind of Limestone Creek Driver

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

Based on our extensive insurance data, we know the average Limestone Creek 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 $775 per year by choosing the right vehicle insurance company. Some Limestone Creek residents are paying out over $2,650 extra every year for auto insurance in Limestone Creek. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Limestone Creek Car Insurance vs. Florida

People living in Limestone Creek pay an average of 0.29% more than the typical driver in the state. The average driver in Limestone Creek can expect to pay about $2,419 per year, or $2,650 for full coverage.

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

Car Insurance Prices by Limestone Creek Neighborhood

Limestone Creek, FL map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Limestone Creek?

The map shows insurance prices in and around Limestone Creek, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $59 per year within the city boundaries, with insurance premiums ranging from a high of $2,651 to a low of $2,592. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Central parts of Limestone Creek.

Pick the Best Car Insurance Company for You in Limestone Creek

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 Limestone Creek insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Limestone Creek

For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $775 over the average Limestone Creek car insurance company.

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We use the average good driver, paying $156 per month, as our baseline for pricing in Limestone Creek. 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 Limestone Creek drivers with accidents on their records

In Limestone Creek getting into an accident will raise premiums an average 28% for a yearly cost of $3,679. That's $1,029 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 $1,138 over the competition.

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The best car insurance company for Limestone Creek drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $876 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 Limestone Creek, tickets raise premiums on new quotes about $738. If you have a speeding ticket, we recommend State Farm, Geico, and Gainsco for savings that beat the average insurance cost of $3,388 per year.

The best auto insurance for Limestone Creek drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,616 per year in auto insurance premiums, which was $967 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 $866 less each year.

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The least expensive car insurance company for new and young drivers in Limestone Creek

In Limestone Creek, Geico costs young drivers $2,753 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 Limestone Creek. With an average cost of $7,951 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 Limestone Creek

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $187. State Farm, Geico, and Progressive provided the largest discounts to couples living in Limestone Creek.

Geico gave the largest car insurance discounts to married couples, averaging $752 saved each year compared to an average Limestone Creek couple's premiums.

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The cheapest car insurance in Limestone Creek for drivers with bad credit

People with poor credit saved an average of $1,096 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,267 every year. Premiums for people with poor credit were about $3,916 in Limestone Creek. 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 Limestone Creek car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Limestone Creek, 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 Limestone Creek.

Allstate was the best company for customer service in Limestone Creek 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 Limestone Creek, 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 Limestone Creek. 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 Limestone Creek

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 57% of Limestone Creek residents who are renting, and don't plan to be in the city 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 Limestone Creek 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 Limestone Creek, 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 Limestone Creek

What Influences the Cost of Car Insurance in Limestone Creek?

On average, car insurance in Limestone Creek 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 Limestone Creek is 29 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 Limestone Creek are among the lowest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of A according to CrimeGrade.org.
  • Limestone Creek 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 Limestone Creek is $202 per month for minimum coverage and $221 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

Cities with Similar Populations

  • Whiteoak: Insurance costs 56.04% less
  • Jo Jo: Insurance costs 48.42% less
  • Joplin: Insurance costs 39.06% less
  • Joy: Insurance costs 57.40% less
  • Karval: Insurance costs 27.81% less
  • Katama: Insurance costs 42.64% less
  • Kedron: Insurance costs 49.66% less
  • Keith: Insurance costs 52.64% less
  • Kelso: Insurance costs 43.40% less
  • Kendall: Insurance costs 39.06% less
* Who is the average Limestone Creek driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Limestone Creek 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.