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Get Cheap Car Insurance in Long Key, FL
We monitor insurance prices, helping the average driver in Long Key save up to 34.6% on car insurance.
The Cheapest Minimum Coverage in Long Key
The chart below shows the cheapest car insurance company in Long Key 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.
| Long Key Insurer | Monthly Cost |
|---|---|
| Geico | $117 |
| State Farm | $125 |
| Gainsco | $163 |
| Bristol West | $163 |
Savings for Every Kind of Long Key Driver
Based on our extensive insurance data, we know the average Long Key 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 $720 per year by choosing the right vehicle insurance company. Some Long Key residents are paying out over $2,460 extra every year for auto insurance in Long Key. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Long Key, FL Savings / Yr. |
|---|---|
$720 |
|
$1,057 |
|
$813 |
|
$804 |
|
$2,556 |
|
$698 |
|
$1,018 |
Long Key Car Insurance vs. Florida
People living in Long Key pay an average of 6.89% less than the typical driver in the state. The average driver in Long Key can expect to pay about $2,246 per year, or $2,460 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Long Key for most people.
Car Insurance Prices by Long Key Neighborhood
Insurance Prices
Where is insurance cheapest within Long Key?
The map shows insurance prices in and around Long Key, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $0 per year within the city boundaries, with insurance premiums ranging from a high of $2,460 to a low of $2,460. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Central parts of Long Key.Pick the Best Car Insurance Company for You in Long Key
The best car insurance provider for most drivers in Long Key
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $720 over the average Long Key car insurance company.
The best car insurance provider for Long Key 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 $1,057 over the competition.
The best car insurance company for Long Key drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $813 better than other car insurance companies.
The best auto insurance for Long Key drivers with a DUI conviction
Getting a quote from Geico may cost the average person with a DUI about $804 less each year.
The least expensive car insurance company for new and young drivers in Long Key
In Long Key, Geico costs young drivers $2,556 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Long Key
Geico gave the largest car insurance discounts to married couples, averaging $698 saved each year compared to an average Long Key couple's premiums.
The cheapest car insurance in Long Key for drivers with bad credit
The best Long Key car insurance company for customer service
Recent price drops
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The cheapest large national provider in Long Key
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Long Key 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 Long Key, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.Auto Insurance Prices in and Around Long Key
What Influences the Cost of Car Insurance in Long Key?
On average, car insurance in Long Key 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:
- The average commute time in Long Key is 35 minutes, which is about the national 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 Long Key are among the highest 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.
- Long Key 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 Long Key is $187 per month for minimum coverage and $205 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
- Layton: Insurance costs the same
- Plantation Key: Insurance costs 2.68% less
- Key Colony Beach: Insurance costs 2.80% less
- Marathon: Insurance costs 2.56% more
- Islamorada: Insurance costs 3.21% less
- Tavernier: Insurance costs 1.71% less
- Rock Harbor: Insurance costs 2.20% less
- Big Pine Key: Insurance costs 2.89% less
- Key Largo: Insurance costs 5.24% more
- Summerland Key: Insurance costs 3.58% less
Cities with Similar Populations
- Strandburg: Insurance costs 39.72% less
- Starkey Corner: Insurance costs 26.91% less
- Starkweather: Insurance costs 42.07% less
- State Line City: Insurance costs 53.37% less
- Stevens Creek: Insurance costs 51.26% less
- Stockholm Center: Insurance costs 17.32% less
- Stockholm: Insurance costs 39.96% less
- Stoneman Lake: Insurance costs 31.50% less
- Stotts Crossroads: Insurance costs 49.96% less
- Stouchsburg: Insurance costs 46.79% less