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Get Cheap Car Insurance in Sarasota, FL
We monitor insurance prices, helping the average driver in the Sarasota area save up to 34.6% on car insurance.
The Cheapest Minimum Coverage in Sarasota
The chart below shows the cheapest car insurance company in Sarasota 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.
| Sarasota Insurer | Monthly Cost |
|---|---|
| Geico | $119 |
| State Farm | $126 |
| Gainsco | $164 |
| Bristol West | $164 |
Savings for Every Kind of Sarasota Driver
Based on our extensive insurance data, we know the average Sarasota 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 $727 per year by choosing the right vehicle insurance company. Some Sarasota residents are paying out over $2,486 extra every year for auto insurance in Sarasota. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Sarasota, FL Savings / Yr. |
|---|---|
$727 |
|
$1,068 |
|
$821 |
|
$813 |
|
$2,583 |
|
$706 |
|
$1,028 |
Sarasota Car Insurance vs. Florida
People living in Sarasota pay an average of 5.91% less than the typical driver in the state. The average driver in Sarasota can expect to pay about $2,270 per year, or $2,486 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Sarasota for most people.
Car Insurance Prices by Sarasota Neighborhood
Insurance Prices
Where is insurance cheapest within Sarasota?
The map shows insurance prices in and around Sarasota, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $842 per year within the city boundaries, with insurance premiums ranging from a high of $2,988 to a low of $2,146. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the East parts of Sarasota.Pick the Best Car Insurance Company for You in Sarasota
The best car insurance provider for most drivers in Sarasota
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $727 over the average Sarasota car insurance company.
The best car insurance provider for Sarasota 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 $1,068 over the competition.
The best car insurance company for Sarasota drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $821 better than other car insurance companies.
The best auto insurance for Sarasota drivers with a DUI conviction
Getting a quote from Geico may cost the average person with a DUI about $813 less each year.
The least expensive car insurance company for new and young drivers in Sarasota
In Sarasota, Geico costs young drivers $2,583 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Sarasota
Geico gave the largest car insurance discounts to married couples, averaging $706 saved each year compared to an average Sarasota couple's premiums.
The cheapest car insurance in Sarasota for drivers with bad credit
The best Sarasota car insurance company for customer service
Recent price drops
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The cheapest large national provider in Sarasota
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Sarasota 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 Sarasota, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.Auto Insurance Prices in and Around Sarasota
What Influences the Cost of Car Insurance in Sarasota?
On average, car insurance in Sarasota 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 the Sarasota area is 30 minutes, which is a little 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 the Sarasota area are higher than average 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 B+ according to CrimeGrade.org.
- Sarasota is one of the most densely populated areas in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Sarasota 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 Cities
- Sarasota Springs: Insurance costs 3.30% less
- Southgate: Insurance costs 3.66% less
- Fruitville: Insurance costs 4.87% less
- Bee Ridge: Insurance costs 5.11% less
- North Sarasota: Insurance costs 7.52% more
- South Sarasota: Insurance costs 3.62% less
- Gulf Gate Estates: Insurance costs 3.66% less
- Siesta Key: Insurance costs 0.36% more
- Bayshore Gardens: Insurance costs 4.99% more
- Longboat Key: Insurance costs 5.83% more
Cities with Similar Populations
- Weatherford: Insurance costs 33.91% less
- Watsonville: Insurance costs 17.22% less
- Warren: Insurance costs 54.63% less
- Waukesha: Insurance costs 54.59% less
- Victoria: Insurance costs 32.70% less
- Washington: Insurance costs 45.33% less
- Waipahu: Insurance costs 40.79% less
- Waukegan: Insurance costs 23.57% less
- Walnut Creek: Insurance costs 17.06% less
- Virginia Beach: Insurance costs 49.36% less