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 Three Lakes, FL
We monitor insurance prices, helping the average driver in Three Lakes save up to 34.6% on car insurance.
The Cheapest Minimum Coverage in Three Lakes
The chart below shows the cheapest car insurance company in Three 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.
| Three Lakes Insurer | Monthly Cost |
|---|---|
| Geico | $155 |
| State Farm | $165 |
| Gainsco | $215 |
| Bristol West | $215 |
Savings for Every Kind of Three Lakes Driver
Based on our extensive insurance data, we know the average Three 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 $952 per year by choosing the right vehicle insurance company. Some Three Lakes residents are paying out over $3,253 extra every year for auto insurance in Three Lakes. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Three Lakes, FL Savings / Yr. |
|---|---|
$952 |
|
$1,398 |
|
$1,075 |
|
$1,064 |
|
$3,380 |
|
$924 |
|
$1,346 |
Three Lakes Car Insurance vs. Florida
People living in Three Lakes pay an average of 23.14% more than the typical driver in the state. The average driver in Three Lakes can expect to pay about $2,970 per year, or $3,253 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Three Lakes for most people.
Car Insurance Prices by Three Lakes Neighborhood
Insurance Prices
Where is insurance cheapest within Three Lakes?
The map shows insurance prices in and around Three Lakes, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $214 per year within the city boundaries, with insurance premiums ranging from a high of $3,387 to a low of $3,173. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Southwest parts of Three Lakes.Pick the Best Car Insurance Company for You in Three Lakes
The best car insurance provider for most drivers in Three Lakes
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $952 over the average Three Lakes car insurance company.
The best car insurance provider for Three 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 $1,398 over the competition.
The best car insurance company for Three Lakes drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $1,075 better than other car insurance companies.
The best auto insurance for Three Lakes drivers with a DUI conviction
Getting a quote from Geico may cost the average person with a DUI about $1,064 less each year.
The least expensive car insurance company for new and young drivers in Three Lakes
In Three Lakes, Geico costs young drivers $3,380 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Three Lakes
Geico gave the largest car insurance discounts to married couples, averaging $924 saved each year compared to an average Three Lakes couple's premiums.
The cheapest car insurance in Three Lakes for drivers with bad credit
The best Three Lakes car insurance company for customer service
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Three Lakes, which was better than other insurers.
The cheapest large national provider in Three Lakes
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Three 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 Three Lakes, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.Auto Insurance Prices in and Around Three Lakes
What Influences the Cost of Car Insurance in Three Lakes?
On average, car insurance in Three 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 city are influenced by the following factors:
- The average commute time in Three Lakes is 40 minutes, which is a little more 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 Three 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 F according to CrimeGrade.org.
- Three Lakes 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 Three Lakes is $248 per month for minimum coverage and $271 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
- Richmond Heights: Insurance costs 6.49% more
- The Crossings: Insurance costs 2.71% less
- Palmetto Estates: Insurance costs 4.37% more
- Country Walk: Insurance costs 2.95% less
- Richmond West: Insurance costs 0.43% less
- West Perrine: Insurance costs 5.47% more
- Perrine: Insurance costs 4.15% more
- Kendall: Insurance costs the same
- The Hammocks: Insurance costs 0.37% less
- South Miami Heights: Insurance costs 5.72% more
Cities with Similar Populations
- Laurel: Insurance costs 61.88% less
- Logan: Insurance costs 65.32% less
- Lockhart: Insurance costs 47.19% less
- Livingston: Insurance costs 36.30% less
- Linden: Insurance costs 11.10% less
- Lindale: Insurance costs 49.40% less
- Lihue: Insurance costs 61.36% less
- Liberty: Insurance costs 50.57% less
- Lewisville: Insurance costs 63.73% less
- Lemay: Insurance costs 39.04% less