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Get Cheap Car Insurance in Longboat Key, FL
We monitor insurance prices, helping the average driver in Longboat Key save up to 34.6% on car insurance.
The Cheapest Minimum Coverage in Longboat Key
The chart below shows the cheapest car insurance company in Longboat 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.
| Longboat Key Insurer | Monthly Cost |
|---|---|
| Geico | $126 |
| State Farm | $133 |
| Gainsco | $174 |
| Bristol West | $174 |
Savings for Every Kind of Longboat Key Driver
Based on our extensive insurance data, we know the average Longboat 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 $770 per year by choosing the right vehicle insurance company. Some Longboat Key residents are paying out over $2,631 extra every year for auto insurance in Longboat Key. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Longboat Key, FL Savings / Yr. |
|---|---|
$770 |
|
$1,130 |
|
$869 |
|
$860 |
|
$2,734 |
|
$747 |
|
$1,089 |
Longboat Key Car Insurance vs. Florida
People living in Longboat Key pay an average of 0.41% less than the typical driver in the state. The average driver in Longboat Key can expect to pay about $2,402 per year, or $2,631 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Longboat Key for most people.
Car Insurance Prices by Longboat Key Neighborhood
Insurance Prices
Where is insurance cheapest within Longboat Key?
The map shows insurance prices in and around Longboat Key, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $411 per year within the city boundaries, with insurance premiums ranging from a high of $2,841 to a low of $2,430. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the North parts of Longboat Key.Pick the Best Car Insurance Company for You in Longboat Key
The best car insurance provider for most drivers in Longboat Key
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $770 over the average Longboat Key car insurance company.
The best car insurance provider for Longboat 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 $1,130 over the competition.
The best car insurance company for Longboat Key drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $869 better than other car insurance companies.
The best auto insurance for Longboat Key drivers with a DUI conviction
Getting a quote from Geico may cost the average person with a DUI about $860 less each year.
The least expensive car insurance company for new and young drivers in Longboat Key
In Longboat Key, Geico costs young drivers $2,734 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Longboat Key
Geico gave the largest car insurance discounts to married couples, averaging $747 saved each year compared to an average Longboat Key couple's premiums.
The cheapest car insurance in Longboat Key for drivers with bad credit
The best Longboat Key car insurance company for customer service
Allstate was the best company for customer service in Longboat Key according to the NAIC.
Recent price drops
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The cheapest large national provider in Longboat Key
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Longboat 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 Longboat Key, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.Auto Insurance Prices in and Around Longboat Key
What Influences the Cost of Car Insurance in Longboat Key?
On average, car insurance in Longboat 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 Longboat 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 Longboat Key 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.
- Longboat 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 Longboat Key is $200 per month for minimum coverage and $219 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
- Bayshore Gardens: Insurance costs 0.80% less
- South Bradenton: Insurance costs 1.75% more
- North Sarasota: Insurance costs 1.60% more
- Bradenton Beach: Insurance costs 4.45% less
- Siesta Key: Insurance costs 5.17% less
- South Sarasota: Insurance costs 8.93% less
- Southgate: Insurance costs 8.97% less
- Bradenton: Insurance costs 2.96% less
- Sarasota: Insurance costs 5.51% less
- Sarasota Springs: Insurance costs 8.63% less
Cities with Similar Populations
- Somers: Insurance costs 8.29% less
- Slaton: Insurance costs 33.71% less
- Smiths: Insurance costs 40.17% less
- Smiths Station: Insurance costs 39.00% less
- Smithville: Insurance costs 29.76% less
- Snow Camp: Insurance costs 53.71% less
- Snowflake: Insurance costs 33.64% less
- Snyderville: Insurance costs 46.60% less
- Solvay: Insurance costs 15.24% less
- Simsbury: Insurance costs 27.10% less