Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Monterey Lakes, Largo, FL
We monitor insurance prices, helping the average driver in Monterey Lakes save up to 34.6% on car insurance.
The Cheapest Minimum Coverage in Monterey Lakes
The chart below shows the cheapest car insurance company in Monterey Lakes 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.
| Monterey Lakes Insurer | Monthly Cost |
|---|---|
| Geico | $131 |
| State Farm | $139 |
| Gainsco | $182 |
| Bristol West | $182 |
Savings for Every Kind of Monterey Lakes Driver
Based on our extensive insurance data, we know the average Monterey Lakes 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 $804 per year by choosing the right vehicle insurance company. Some Monterey Lakes residents are paying out over $2,747 extra every year for auto insurance in Monterey Lakes. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Monterey Lakes, Largo, FL Savings / Yr. |
|---|---|
$804 |
|
$1,180 |
|
$908 |
|
$898 |
|
$2,855 |
|
$780 |
|
$1,137 |
Monterey Lakes Car Insurance vs. Largo
People living in Monterey Lakes pay an average of 3.99% more than the typical driver in the state. The average driver in Monterey Lakes can expect to pay about $2,508 per year, or $2,747 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Monterey Lakes for most people.
Car Insurance Prices by Monterey Lakes Neighborhood
Insurance Prices
Where is insurance cheapest within Monterey Lakes?
The map shows insurance prices in and around Monterey Lakes, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $215 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,803 to a low of $2,588. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Northwest parts of Monterey Lakes.Pick the Best Car Insurance Company for You in Monterey Lakes
The best car insurance provider for most drivers in Monterey Lakes
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $804 over the average Monterey Lakes car insurance company.
The best car insurance provider for Monterey Lakes 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 $1,180 over the competition.
The best car insurance company for Monterey Lakes drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $908 better than other car insurance companies.
The best auto insurance for Monterey Lakes drivers with a DUI conviction
Getting a quote from Geico may cost the average person with a DUI about $898 less each year.
The least expensive car insurance company for new and young drivers in Monterey Lakes
In Monterey Lakes, Geico costs young drivers $2,855 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Monterey Lakes
Geico gave the largest car insurance discounts to married couples, averaging $780 saved each year compared to an average Monterey Lakes couple's premiums.
The cheapest car insurance in Monterey Lakes for drivers with bad credit
The best Monterey Lakes car insurance company for customer service
Allstate was the best company for customer service in Monterey Lakes according to the NAIC.
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Monterey Lakes, which was better than other insurers.
The cheapest large national provider in Monterey Lakes
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Monterey Lakes 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 Monterey Lakes, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.Auto Insurance Prices in and Around Monterey Lakes
What Influences the Cost of Car Insurance in Monterey Lakes?
On average, car insurance in Monterey Lakes 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 neighborhood 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 Monterey Lakes are about average 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 B+ according to CrimeGrade.org.
- Monterey Lakes is a lightly populated area in the state. The neighborhood’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 Monterey Lakes is $209 per month for minimum coverage and $229 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 Neighborhoods
- Kings Manor: Insurance costs 1.02% less
- Woodside Village: Insurance costs 3.53% more
- Eldorado Village: Insurance costs 0.44% more
- Friends of Ridgecrest: Insurance costs 3.53% more
- Wyatt Street: Insurance costs 8.70% more
- Millbrooke Ranch: Insurance costs 0.55% more
- West and East Lealman: Insurance costs 1.86% more
- Jungle Terrace: Insurance costs 0.91% more
- Meadowlawn: Insurance costs 0.25% less
- Holiday Park: Insurance costs 0.80% more
Neighborhoods with Similar Populations
- Williamsburg: Insurance costs 55.15% less
- Nicholtown: Insurance costs 31.23% less
- Maxwell: Insurance costs 29.71% less
- Lake Floresta Park: Insurance costs 4.48% more
- Hidden Springs: Insurance costs 40.52% less
- Ridgewood: Insurance costs 59.70% less
- Park Estates: Insurance costs 18.60% less
- Olympia: Insurance costs 15.44% more
- San Miguel Ranch: Insurance costs 28.69% less
- Artisan: Insurance costs 26.36% less