Coral Springs, FL Car Insurance

How Much Does Car Insurance Cost in Coral Springs?

The average car insurance rate in Coral Springs is $248 monthly. A typical Coral Springs driver pays a total of $2,971 per year which is cheaper than the state’s average rate of $2,297 but more expensive than the nation’s average of $1,541. However, several aspects are assessed by insurers when calculating your car insurance quote. The most common aspects that influence your annual auto insurance cost in Coral Springs are your marital status, driving history, credit tier, age, and location.

If you want savings on your car insurance premiums, then it is best to extensively compare the rates of different companies. Looking closely at the unique rates from different insurance companies in Coral Springs according to your location, age, driving history, credit tier, and marital status will help you choose one that best fits your driving status.

Coral Springs Car Insurance Costs by Company

Different car insurance companies in Coral Springs offer different policies and rates. State Farm offers the cheapest car insurance in Coral Springs with an average rate of $2,201 annually. Maintaining a clean driving history will keep your car insurance rates to stay on the average.

Insurance CompanyAnnual RateMonthly Rate
State Farm$2,201$183
GEICO$2,844$237
MetLife$2,901$242
Progressive$3,222$269
Allstate$3,865$322

Florida Cheapest Car Insurance Rates For Minimum Coverage

There are several car insurance companies in Florida that provide minimum car insurance coverage at a competitive price. State Farm by far offers the best deal when it comes to purchasing car insurance with minimum coverage. State Farms annual rate for drivers with minimum coverage is at $2,528 yearly.

Insurance CompanyAnnual RateMonthly Rate
State Farm$2,528$211
GEICO$3,206$267
Direct Auto$3,266$272
Allstate$3,911$326
MetLife$5,222$435

Coral Springs Auto Insurance Rates by Age Bracket

The driver’s age tells his/her experience on the road. The longer you drive, the reliable your driving record will be. Thus, age impacts car insurance rates in Coral Springs. Drivers in Coral Springs within the age range of 50+ pay cheaper auto insurance premiums in comparison to other age groups. Teenagers, however, pay the most for car insurance in St. Petersburg. On a brighter note, when teens reach the age of 20, a significant decrease in their car insurance premiums will promptly apply.

Coral Springs Car Insurance Rates Per Age Group

Age GroupAnnual RateMonthly Rate
Teenagers$8,396$700
20s$3,756$313
30s$2,957$246
40s$2,903$290
50s$2,726$227
60s$2,786$232
70s$3,394$283

Florida Cheapest Full Coverage Insurance Rates For Young Drivers With Clean Driving History

In Florida, teen drivers are considered high-risk drivers. That is why they pay the most expensive car insurance rates in Florida. But, if you are a young driver without any driving violation, several auto insurance companies in Florida that provide less expensive premiums.

Insurance CompanyAnnual RateMonthly Rate
State Farm$2,001$167
GEICO$2,487$207
MetLife$2,877$240
Allstate$3,922$327
Direct Auto$3,201$267

Coral Springs Car Insurance Premiums By Gender and Marital Status

The driver’s marital status and gender are other factors that influence car insurance rates in Coral Springs. Married couples and widowed drivers in Coral Springs pay cheaper rates in contrast to single drivers. While married couples are considered low-risk drivers compared to single drivers, their gender also affects their overall auto insurance premiums. Male drivers in Coral Springs are considered skillful drivers than females. Thus, female drivers pay more than males for car insurance in Coral Springs.

Coral Springs Car Insurance Premiums by Marital Status and Gender

Marital Status/GenderAnnual RateMonthly Rate
Male$2,979$248
Female$3,061$255
Single$2,873$239
Married$2,873$239
Divorced$2,974$248
Widowed$2,922$244

Get Coral Springs car insurance now!

Florida Cheapest Car Insurance Rates For Married Couples

As was mentioned, married couples pay cheaper car insurance rates in Florida. Married couples are considered financially stable and low-risk drivers. Thus, they are given cheaper car insurance rates in Florida. MetLife by far offers the cheapest auto insurance rates for married couples.

Insurance CompanyAnnual RateMonthly Rate
MetLife$2,374$198
State Farm$2,721$227
GEICO$3,022$252
Direct Auto$3,233$269
Allstate$3,333$278

Coral Springs Auto Insurance Rates After an Accident or Violation

If you have a good driving record, it will significantly help minimize your Coral Springs car insurance costs. One at-fault accident can cause your premiums to significantly increase. Additionally, acquiring speeding tickets, and reckless driving citations are also considered risks. Thus, maintaining a clean driving record in Coral Springs will keep your premiums low and close to the average of $2,971 per year.

Coral Springs Car Insurance Rates For High-Risk Drivers

Driving ViolationAnnual RateMonthly Rate
DUI/DWI$4,485$374
Reckless Driving$4,625$385
At-Fault Accident (less than $1000 damages)$4,114$343
At-Fault Accident (more than $1000 damages)$4,114$343
Speeding Ticket$3,777$315

Florida Average Auto Insurance Costs With One At-Fault Accident

Typically, one at-fault accident will drive your car insurance rates in Florida up. Depending on the number of damages acquired, drivers who have been in an at-fault accident pay expensive auto insurance rates in Florida. However, there are car insurance companies around Florida that offer less expensive car insurance premiums to high-risk drivers.

Insurance CompanyAnnual RateMonthly Rate
State Farm$2,033$169
GEICO$2,821$239
MetLife$3,237$270
Direct Auto$3,411$284
Allstate$3,962$330

Florida Average Car Insurance Rate After A Ticket

Receiving a speeding ticket might not seem like a big deal but, in Florida, drivers will pay more on their auto insurance premiums after a ticket. However, some insurance companies around the state provide cheap car insurance premiums to reckless drivers in Florida.

Insurance CompanyAnnual RateMonthly Rate
State Farm$1,902$159
GEICO$2,955$246
MetLife$2,721$227
Direct Auto$3,163$264
Allstate$2,811$234

Coral Springs Auto Insurance Rates by Credit Tier

Your credit score is another factor Coral Springs auto insurance companies look at when calculating your car insurance rates. Building your credit from Very Poor to Exceptional will give you savings up to 59% annually on your car insurance rates. Hence, keeping a good credit score is one way for your rates to stay on the average in Coral Springs.

Cape Coral Car Insurance Premiums by Credit Tier

Credit LevelAnnual RateMonthly Rate
Very Poor$6,001$500
Fair$3, 672$306
Good$2,973$248
Very Good$2,677$223
Exceptional$2,366$197

Get Coral Springs car insurance now!

Florida Average Car Insurance Rates by Poor Credit with Minimum Coverage

Several car insurance companies in Florida provide cheap premiums for drivers with poor credit who purchase minimum coverage policies. State Farm offers the cheapest car insurance rates with minimum coverage in Florida.

Insurance CompanyAnnual RateMonthly Rate
State Farm$1,989$166
GEICO$1,955$163
United Auto$2,671$223
Direct Auto$1,298$108
Allstate$2,244$187

Florida Average Car Insurance Rates For Good Drivers With Poor Credit

Your credit score is one of the aspects that impact your car insurance rates in Florida. Having a poor credit score can increase your car insurance premiums. However, if you are a good driver with poor credit, there are several car insurance companies in Florida that offer cheap coverage despite the poor credit tier. 

Insurance CompanyAnnual RateMonthly Rate
Direct Auto$2,528$211
United Auto$3,206$267
State Farm$3,266$272
GEICO$3,911$326
Allstate$5,222$435

Get Cheapest Insurance Quote

Coral Springs Car Insurance FAQs

  • What are the most common ways of purchasing a car insurance policy in Coral Springs?

    There are three ways to purchase car insurance coverage in Coral Springs:

    • Independent Agent
    • Captive Insurance Agent
    • Company Direct

  • My car was recently stolen in Coral Springs. What coverage will it be under?

    Auto Theft is covered under a comprehensive car insurance policy in Coral Springs.

  • My house was destroyed by a fire in Coral Springs. Will the damages and repairs be covered by my policy?

    It depends on the kind of car insurance you have. If you purchased a comprehensive policy, then it will be covered.

  • What if I lease a car? Do I need to purchase car insurance coverage?

    Yes. As long as you are driving in the state of Florida, every driver must be covered or under a car insurance policy. If you fail to do so, you can be suspended from driving in the state.

  • Get Cheapest Insurance Quote

    Call an Agent

    Whether you just prefer a friendly voice or need more information, our licensed agents are ready to help you save.