Cheapest Car Insurance Quotes In Sunrise, FL For 2024
In Sunrise, GEICO is noted for being the most affordable choice, with an average monthly rate of $36.
When searching for budget-friendly car insurance in Sunrise, Florida, the choices can differ significantly, but there’s one company that shines for its competitive prices: GEICO. On average, residents can obtain car insurance for around $36 per month, which is notably lower than the state’s average of $227.
For individuals seeking the most economical liability-only coverage, GEICO stands out as the top choice. On the other hand, those in need of more extensive protection discover that State Farm provides the best rates for full coverage policies, priced at $160 a month. Additionally, Travelers offers the most affordable rates for young drivers, coming in at $128 per month.
Cheapest Car Insurance Companies In Sunrise, FL
Our Methodology
Utilizing a comprehensive analysis that considers multiple aspects including customer service ratings, product offerings, pricing, and a thorough examination of various online review platforms and user feedback, I have developed a detailed understanding of the car insurance provider landscape in Sunrise, FL. This perspective is informed by over 15 years of active involvement in the industry as a licensed insurance agent, numerous interactions with representatives from different companies, and insights gained from firsthand experiences.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
How Much Is Car Insurance In Sunrise, FL?
GEICO provides the most affordable car insurance in Sunrise, FL, with coverage available for $347 per month.
However, as illustrated in the table below, these rates are notably higher than the average rates in both the State of Florida and the United States overall:
| Area | Average Monthly Rate |
| National | $152 |
| Florida | $227 |
| Sunrise, FL | $347 |
It’s important to note that the average national cost encompasses a wide range of states, including high-cost states like New York, New Jersey, and California, as well as low-cost states such as Mississippi, Kentucky, and Wyoming. Rates can vary significantly by location due to various factors including vehicle type, coverage amount, zip code, driving record, and more.
Cheapest Car Insurance Rates In Sunrise For Full Coverage
State Farm offers the most affordable rates for full coverage car insurance in Sunrise, with average quotes totaling $160 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $292 | $3,502 |
| GEICO | $165 | $1,978 |
| Travelers | $193 | $2,314 |
| Allstate | $425 | $5,098 |
| State Farm | $160 | $1,918 |
Full coverage car insurance provides comprehensive protection that extends beyond the basic coverage required by law. This type of insurance usually combines comprehensive and collision coverages.
Comprehensive coverage protects against non-collision events such as theft, vandalism, or natural disasters, while collision coverage offers financial security for vehicle damages resulting from accidents, regardless of fault.
Cheapest Car Insurance Rates In Sunrise For Teenagers
Teenage drivers in Sunrise can secure the most budget-friendly quotes from State Farm, with average monthly premiums totaling $313.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $313 | $3,741 |
| GEICO | $319 | $3,832 |
| Kemper | $327 | $3,921 |
| Travelers | $354 | $4,112 |
| Allstate | $380 | $4,591 |
Teenage drivers typically encounter the highest car insurance premiums, largely due to their lack of experience on the road. Insurance providers view these young drivers as high-risk because statistics show they are more likely to be involved in accidents and traffic violations.
Cheapest Car Insurance Rates In Sunrise For Seniors
Nationwide offers the most affordable car insurance rates for seniors in Sunrise, with average monthly quotes at $87.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $87 | $1,040 |
| State Farm | $92 | $1,095 |
| Safeco | $93 | $1,107 |
| Mercury | $101 | $1,213 |
| 21st Century | $104 | $1,249 |
In Florida, several factors may contribute to seniors finding advantageous car insurance rates. While age often plays a role in determining insurance rates, with older age sometimes linked to reduced driving ability, this stereotype doesn’t apply universally.
Cheapest Car Insurance Rates In Sunrise For Minimum Coverage
GEICO offers the most affordable car insurance for minimum coverage in Sunrise, with an average monthly cost of $36.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $36 | $439 |
| Travelers | $42 | $500 |
| Progressive | $125 | $1,498 |
| State Farm | $48 | $574 |
| Allstate | $182 | $2,182 |
The minimum car insurance policy should include at least the following coverage:
- $10,000 for bodily injury per person
- $10,000 for bodily injury per accident
- $10,000 for property damage per accident
Having minimum car insurance offers some protection while driving, but it lacks collision or comprehensive coverage. This means damages to your vehicle in accidents, thefts, or natural disasters won’t be covered.
In Florida, driving without insurance is illegal. Failing to provide proof of insurance during a traffic stop can lead to penalties such as fines, license suspension, or other consequences.
Cheapest Car Insurance Rates In Sunrise For Young Adults
Travelers provides the most affordable quotes for young adults in Sunrise, with rates averaging around $128 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $133 | $1,594 |
| GEICO | $187 | $2,242 |
| Mercury | $257 | $3,082 |
| Allstate | $180 | $2,158 |
| Travelers | $128 | $1,534 |
In Florida, young adult drivers generally enjoy lower car insurance rates compared to teenagers. This difference in pricing is due to the development of driving habits and a decrease in risk-taking behaviors as drivers mature.
Statistically, young adults are less inclined to file claims with insurance companies, indicating a reduced involvement in accidents. As a result, insurers lower premiums, acknowledging the improved safety records and decreased likelihood of claims from these more experienced drivers.
Cheapest Car Insurance Rates In Sunrise For Good Drivers
Safe drivers in Sunrise can secure the most budget-friendly car insurance quotes from GEICO, averaging around $36 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $36 | $439 |
| Travelers | $42 | $500 |
| Progressive | $125 | $1,498 |
| State Farm | $48 | $574 |
| Allstate | $182 | $2,182 |
Drivers with clean driving records in Sunrise typically enjoy lower car insurance rates because they are seen as lower-risk individuals. Insurance companies assess driving records to gauge how safely a person drives. Fewer incidents such as accidents or traffic violations indicate that the driver is cautious and less likely to file a claim.
Insurance rates are based on the probability of a driver making a claim. Thus, a flawless driving record can result in substantial savings on premiums. It all boils down to risk assessment: the cleaner the record, the lower the perceived risk, and consequently, the lower the insurance cost.
Cheapest Car Insurance Rates In Sunrise For Drivers With Prior Incidents
In Sunrise, drivers with records of traffic violations, such as accidents, speeding tickets, or DUIs, frequently encounter challenges in securing affordable car insurance. These driving infractions prompt insurance companies to categorize them as high-risk drivers, anticipating a higher likelihood of future insurance claims.
As a result, insurance providers increase their rates for these individuals to offset the risk of potential higher claim payouts.
Cheapest Car Insurance Rates In Sunrise For Drivers With A Speeding Ticket
State Farm stands out as a highly cost-effective option compared to other insurance companies. With average rates of $74 per month, it offers competitive pricing for its services.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $74 | $884 |
| Travelers | $153 | $1,834 |
| Geico | $148 | $1,774 |
| Allstate | $152 | $1,822 |
| Progressive | $158 | $1,894 |
Cheapest Car Insurance Rates In Sunrise For Drivers With An At-Fault Accident
State Farm provides the most affordable car insurance quotes for drivers with an at-fault incident, boasting an average rate of $80 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $80 | $958 |
| Travelers | $160 | $1,918 |
| Geico | $118 | $1,414 |
| Progressive | $180 | $2,158 |
| Allstate | $270 | $3,238 |
Cheapest Car Insurance Rates In Sunrise For Drivers After A DUI
For Sunrise drivers dealing with a DUI, State Farm emerges as the company with the most economical rates, offering average monthly premiums of $80.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $80 | $958 |
| Travelers | $180 | $2,158 |
| Progressive | $137 | $1,642 |
| Geico | $148 | $1,774 |
| Allstate | $194 | $2,324 |
Best Car Insurance Companies In Sunrise
For drivers in Sunrise, selecting the appropriate car insurance company involves not only finding affordable rates but also ensuring reliable protection on the road. Below are the top 10 car insurance companies in Sunrise, FL, ranked by the average monthly rate they offer.
| Company | Monthly Premium |
| Unitrin | $240 |
| Direct Auto | $275 |
| Mercury | $300 |
| Liberty Mutual | $185 |
| Mercury Insurance | $245 |
| 21st Century | $173 |
| Allstate | $294 |
| State Farm | $175 |
| Safeco | $315 |
| Allied | $285 |
Average Car Insurance Rates By Age In Sunrise
| Age | Average Yearly Rate |
| Teenagers | $8,372 |
| 20s | $3,031 |
| 30s | $1,989 |
| 40s | $1,927 |
| 50s | $1,838 |
| 60s | $1,830 |
| 70s | $2,126 |
Age plays a pivotal role in shaping car insurance rates. Typically, younger drivers, especially teenagers and young adults, encounter higher premiums due to their lack of experience and statistically higher probability of accidents and traffic infractions. As drivers approach 25 years old, their rates generally begin to decline, assuming they maintain a clean driving record.
The most advantageous insurance rates are often offered to drivers in their 50s and early 60s. Insurance companies utilize age as a metric to assess driving experience and risk propensity, thereby adjusting premium costs accordingly.
Average Car Insurance Rates By Vehicle Type In Sunrise
| Vehicle | Average Monthly Rate |
| Mercedes-Benz CLA | $462 |
| Toyota Corolla | $1,424 |
| Jeep Grand Cherokee | $365 |
| Volkswagen GTI | $189 |
| Toyota Camry | $1,183 |
The type of vehicle you drive significantly affects your car insurance expenses. Insurance companies consider factors such as the make, model, year, and body type of the car. Typically, newer vehicles, especially luxury models with advanced technology and higher replacement costs, tend to have higher insurance rates.
Conversely, older cars or those less expensive to repair or replace may attract lower premiums. Insurers take these aspects into account because they directly impact the potential cost of claims – for instance, repairs for a high-end car are generally more costly than for a standard vehicle. Additionally, certain car models known for safety may qualify for lower insurance rates due to a reduced risk of accidents and injuries.
How Much Is Car Insurance For Other Cities In Florida?
| City | Average Monthly Rate |
| Plantation | $360 |
| Lake City | $200 |
| Hallandale Beach | $310 |
| Daytona Beach | $181 |
| Apopka | $215 |
| Gainesville | $176 |
| Pinellas Park | $223 |
| Fort Myers | $194 |
| Kissimmee | $220 |
| West Palm Beach | $280 |
The city you live in has a notable influence on your car insurance rates. Insurance companies evaluate multiple factors associated with your location, including the probability of accidents, vehicle theft, and vandalism rates, which tend to be higher in urban areas. This heightened risk often results in higher premiums.
FAQs
Who has the lowest car insurance rates in Sunrise?
GEICO provides the lowest car insurance rates in Sunrise for the minimum coverage required by the State of Florida, while State Farm offers the most affordable rates for full coverage, which includes comprehensive and collision coverage.
What is the average cost of car insurance in Sunrise?
The average cost of car insurance in Sunrise is approximately $347 per month. However, rates can vary depending on factors such as your zip code, the year and model of your car, your driving record, and other pertinent details.
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