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Get Cheap Car Insurance in Sugarloaf Shores, FL
We monitor insurance prices, helping the average driver in Sugarloaf Shores save up to 34.6% on car insurance.
The Cheapest Minimum Coverage in Sugarloaf Shores
The chart below shows the cheapest car insurance company in Sugarloaf Shores 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.
| Sugarloaf Shores Insurer | Monthly Cost |
|---|---|
| Geico | $109 |
| State Farm | $116 |
| Gainsco | $151 |
| Bristol West | $151 |
Savings for Every Kind of Sugarloaf Shores Driver
Based on our extensive insurance data, we know the average Sugarloaf Shores 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 $668 per year by choosing the right vehicle insurance company. Some Sugarloaf Shores residents are paying out over $2,282 extra every year for auto insurance in Sugarloaf Shores. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Sugarloaf Shores, FL Savings / Yr. |
|---|---|
$668 |
|
$980 |
|
$754 |
|
$746 |
|
$2,371 |
|
$648 |
|
$944 |
Sugarloaf Shores Car Insurance vs. Florida
People living in Sugarloaf Shores pay an average of 13.62% less than the typical driver in the state. The average driver in Sugarloaf Shores can expect to pay about $2,083 per year, or $2,282 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Sugarloaf Shores for most people.
Car Insurance Prices by Sugarloaf Shores Neighborhood
Insurance Prices
Where is insurance cheapest within Sugarloaf Shores?
The map shows insurance prices in and around Sugarloaf Shores, 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 $2,282 to a low of $2,282. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Central parts of Sugarloaf Shores.Pick the Best Car Insurance Company for You in Sugarloaf Shores
The best car insurance provider for most drivers in Sugarloaf Shores
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $668 over the average Sugarloaf Shores car insurance company.
The best car insurance provider for Sugarloaf Shores 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 $980 over the competition.
The best car insurance company for Sugarloaf Shores drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $754 better than other car insurance companies.
The best auto insurance for Sugarloaf Shores drivers with a DUI conviction
Getting a quote from Geico may cost the average person with a DUI about $746 less each year.
The least expensive car insurance company for new and young drivers in Sugarloaf Shores
In Sugarloaf Shores, Geico costs young drivers $2,371 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Sugarloaf Shores
Geico gave the largest car insurance discounts to married couples, averaging $648 saved each year compared to an average Sugarloaf Shores couple's premiums.
The cheapest car insurance in Sugarloaf Shores for drivers with bad credit
The best Sugarloaf Shores car insurance company for customer service
Allstate was the best company for customer service in Sugarloaf Shores according to the NAIC.
Recent price drops
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The cheapest large national provider in Sugarloaf Shores
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Sugarloaf Shores 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 Sugarloaf Shores, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.Auto Insurance Prices in and Around Sugarloaf Shores
What Influences the Cost of Car Insurance in Sugarloaf Shores?
On average, car insurance in Sugarloaf Shores 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 Sugarloaf Shores is 32 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 Sugarloaf Shores are about average 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.
- Sugarloaf Shores is a fairly densely populated area 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 Sugarloaf Shores is $174 per month for minimum coverage and $190 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
- Cudjoe Key: Insurance costs 1.31% more
- Summerland Key: Insurance costs 3.94% more
- Big Pine Key: Insurance costs 4.69% more
- Key West: Insurance costs 8.02% more
- Rock Harbor: Insurance costs 5.43% more
- Marathon: Insurance costs 10.56% more
- Key Colony Beach: Insurance costs 4.78% more
- Long Key: Insurance costs 7.80% more
- Layton: Insurance costs 7.80% more
- Plantation Key: Insurance costs 4.91% more
Cities with Similar Populations
- Wallback: Insurance costs 30.67% less
- Fairbanks: Insurance costs 47.81% less
- Falls Mills: Insurance costs 47.63% less
- Fayville: Insurance costs 33.87% less
- Five Points: Insurance costs 26.82% less
- Flournoy: Insurance costs 6.70% less
- Flowerfield: Insurance costs 16.26% more
- Forest Glade: Insurance costs 27.26% less
- Forsan: Insurance costs 25.90% less
- Fort Lyon: Insurance costs 14.55% less