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Get Cheap Car Insurance in Treasure Island, FL

We monitor insurance prices, helping the average driver in Treasure Island save up to 34.6% on car insurance.

 

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The Cheapest Minimum Coverage in Treasure Island

The chart below shows the cheapest car insurance company in Treasure Island 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.

 
Treasure Island Insurer Monthly Cost
Geico $132
State Farm $141
Gainsco $183
Bristol West $183

Savings for Every Kind of Treasure Island Driver

The table shows how much the average auto insurance customer in Treasure Island might save by following our recommendations.

Based on our extensive insurance data, we know the average Treasure Island 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 $812 per year by choosing the right vehicle insurance company. Some Treasure Island residents are paying out over $2,775 extra every year for auto insurance in Treasure Island. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Treasure Island, FL Savings / Yr.
Drivers with good records
$812
Drivers with accidents
$1,192
Drivers with speeding tickets
$917
Drivers with a DUI conviction
$908
Young drivers
$2,883
Married drivers
$788
Drivers with bad credit
$1,148

Treasure Island Car Insurance vs. Florida

People living in Treasure Island pay an average of 5.04% more than the typical driver in the state. The average driver in Treasure Island can expect to pay about $2,534 per year, or $2,775 for full coverage.

Based on our analysis, Geico will be the cheapest provider in Treasure Island for most people.

Car Insurance Prices by Treasure Island Neighborhood

Treasure Island, FL map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Treasure Island?

The map shows insurance prices in and around Treasure Island, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $276 per year within the city boundaries, with insurance premiums ranging from a high of $2,903 to a low of $2,627. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Northwest parts of Treasure Island.

Pick the Best Car Insurance Company for You in Treasure Island

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Treasure Island insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Treasure Island

For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $812 over the average Treasure Island car insurance company.

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We use the average good driver, paying $164 per month, as our baseline for pricing in Treasure Island. State Farm, Geico, and Travelers are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Treasure Island drivers with accidents on their records

In Treasure Island getting into an accident will raise premiums an average 28% for a yearly cost of $3,853. That's $1,078 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Geico, and Travelers are good choices for drivers with accidents.

In our analysis, Geico saved the average person who had been in an accident the most, with annual savings averaging $1,192 over the competition.

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The best car insurance company for Treasure Island drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $917 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Treasure Island, tickets raise premiums on new quotes about $773. If you have a speeding ticket, we recommend State Farm, Geico, and Gainsco for savings that beat the average insurance cost of $3,548 per year.

The best auto insurance for Treasure Island drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,788 per year in auto insurance premiums, which was $1,013 more than a driver with no major issues. State Farm, Geico, and Safeco Insurance penalized their customers the least for a DUI.

Getting a quote from Geico may cost the average person with a DUI about $908 less each year.

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The least expensive car insurance company for new and young drivers in Treasure Island

In Treasure Island, Geico costs young drivers $2,883 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 67% more for insurance than more mature drivers in Treasure Island. With an average cost of $8,327 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Travelers try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Treasure Island

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $195. State Farm, Geico, and Progressive provided the largest discounts to couples living in Treasure Island.

Geico gave the largest car insurance discounts to married couples, averaging $788 saved each year compared to an average Treasure Island couple's premiums.

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The cheapest car insurance in Treasure Island for drivers with bad credit

People with poor credit saved an average of $1,148 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,327 every year. Premiums for people with poor credit were about $4,102 in Treasure Island. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from State Farm, Geico, and Gainsco.

The best Treasure Island car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Treasure Island, the National Association of Insurance Commissioners (NAIC) ranks Allstate as the best. Another valuable metric: JD Power ranks State Farm as the best provider in Treasure Island.

Allstate was the best company for customer service in Treasure Island according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Treasure Island, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Treasure Island. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Treasure Island

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 25% of Treasure Island residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Geico tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Treasure Island driver can expect to pay about $156 per month.

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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 Treasure Island, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.
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Auto Insurance Prices in and Around Treasure Island

What Influences the Cost of Car Insurance in Treasure Island?

On average, car insurance in Treasure Island 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 Treasure Island 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 Treasure Island are higher than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of B- according to CrimeGrade.org.
  • Treasure Island 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 Treasure Island is $211 per month for minimum coverage and $231 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

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* Who is the average Treasure Island driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Treasure Island with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.