Best Car Insurance Rates in Sarasota, Florida

On average your neighbors pay $98 a month.

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Average Sarasota Car Insurance Rates

How much is car insurance in Sarasota, FL? Even though drivers here are good compared to those in many other US cities, average car insurance rates in Sarasota are still higher than both the state and national average. The average cost of auto insurance in Florida is $1,176 per year. The national average price is $889.01.

Prices may vary depending on your driving record, age, gender, policy limits, coverage, and the total number of claims filed in your zip code.

Florida Average Annual Car Insurance Rates
Coverage Rates
Liability $857.64
Collision $282.96
Comprehensive $116.53
Total Cost Per Year $1,185.25
Price Per Month $98.77
Source: Facts + Statistics: Auto insurance

The graph below shows the change in Florida's insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Florida car insurance rates increased from $1,090 in 2011 to $1,140 in 2015, a jump of $94, or 8.68 percent.

Florida average car insurance rates

QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. QuoteWizard can help you find cheap car insurance rates near Sarasota, Florida and save up to 40% on your premium.

Last year, 5,761 people used QuoteWizard to compare auto insurance quotes in Sarasota, FL from multiple companies and get the cheapest rates.

Best Car Insurance Companies in Sarasota, FL

This is our list of the most common car insurance companies reported by QuoteWizard users living in Sarasota, Florida last year.

Other popular Sarasota car insurance companies: Infinity, Farmers, Hartford, USAA, MetLife, Safeco, Mercury, 21st Century, and Country Financial.

Top 10 Vehicles

These are the most common car makes and models owned by Sarasota, FL drivers requesting quotes through QuoteWizard last year.

  1. Ford F150
  2. Hyundai Sonata GLS
  3. Honda Accord EX/LX
  4. Toyota Camry LE/XLE/SE
  5. Toyota Rav4
  6. Ford Mustang
  7. Toyota Prius
  8. Ford Ranger
  9. Honda Civic LX/EX
  10. Honda CR-V EX

Minimum Car Insurance Requirements in Sarasota, FL

Sarasota, Florida has a minimum coverage requirement known as the 10/20/10 rule, which means each policy must include at least the following three components:

  • Property Damage Liability (PDL): $10,000.
    This is the maximum amount that your insurance company will pay for property damage caused by a car accident.
  • Personal Injury Protection (PIP): $10,000.
    Also called Florida No Fault Insurance. This is the maximum amount that your insurance company will pay for injuries sustained in a car accident regardless of who is at fault.

Moving Violations

Moving violations such as speeding, red light infractions, and drunk driving can have a dramatic impact on your insurance rates.

Traffic Tickets

The Sarasota County Clerk of Circuit Courts website allows you to pay traffic fines, tells drivers how to request court hearings to contest tickets, and elect to attend driver improvement or child restraint school.

In 2014, the Sarasota Police Department's Traffic Unit wrote 2,076 citations, a decrease of 50 percent from 2013.

SR-22 or FR-44 DUI Insurance

A DUI conviction may require you to obtain an SR-22 or FR-44 form. Request a quote and we'll will connect you with local agents from top companies that specialize in Sarasota DUI insurance.

Car Accident Statistics

Sarasota Police reported 1,361 vehicle crashes in 2016, resulting in 803 injuries. This was a slight decrease from the 1,452 crashes reported in 2015

Traffic Fatalities

Sarasota police responded toeleven fatal motor vehicle crashes in 2016 resulting in thirteen fatalities.

Vehicle Theft Rates

Sarasota police reported vehicle thefts in 2016. This was a rate of 2.05 thefts per 1,000 residents.

Car Insurance Discounts

Are you looking for affordable car insurance? Discounts are one of the best ways to lower your rates. These are some of the many auto insurance discounts available to Sarasota, FL drivers.

  1. Bundle your auto policy with your homeowners, renters, or life insurance. Bundling is one of the best discounts because can save you more than any other single discount. Bundling insurance policies together under one insurer can knock as much as 20% off your premium
  2. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  3. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  4. Keep your driving record clean with no tickets or accidents and you may qualify for the accident-free or safe driver discount
  5. Get a new car with advanced safety features like anti-lock brakes or electronic stability control
  6. Are you married or getting married soon? Some insurers offer a discount to married couples

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