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Licensed property and casualty insurance agent
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Updated
Car insurance rates in Bradenton are slightly below the Florida state average. Bradenton drivers pay an average of $123 per month for liability insurance and $218 per month for full-coverage insurance.
Like the rest of Florida, Bradenton’s premiums are higher than the national average due to the region’s risk of flooding and hurricane damage. For instance, hurricanes Milton and Helene, which affected Bradenton and the rest of Manatee County in 2024, caused more than $350 million in property damage.
Car insurance rates are cheaper in Bradenton than in St. Petersburg, which is just 25 miles away but has a higher population density.[1] But car insurance tends to be more expensive in Bradenton than in North Port, a suburban area about 45 miles south. North Port has a much lower population density than Bradenton, so auto coverage tends to be cheaper.
Liability rates start as low as $74 per month
On average, drivers in Bradenton pay $123 per month for minimum coverage, which is lower than the state average. Full coverage in Bradenton is comparable to the state average, at $218 per month.
Bradenton drivers looking for the best insurers based on coverage level can find the cheapest liability coverage from Progressive, with rates averaging $74 per month.
At $120 per month, State Farm is the cheapest full-coverage insurer in Bradenton.
Florida requires at least $10,000 in personal injury protection (PIP) and $10,000 in property damage liability insurance. With the risk of flood damage and a property crime rate higher than the state average, full-coverage policies can be well worth the added cost.[2] As of April 2026, about 5.5% of drivers in Manatee County lack the state’s minimum required coverage, so adding uninsured/underinsured motorist coverage may be worth considering.[3]
The table below shows the cheapest liability-only and full-coverage policy quotes in Bradenton.
Insurance Company  | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Progressive | $74 | $130 |
| State Farm | $74 | $120 |
| Mile Auto | $77 | $143 |
| Clearcover | $78 | $190 |
| GEICO | $84 | $171 |
| Dairyland | $93 | $289 |
| Embark | $96 | $234 |
| Infinity | $104 | $219 |
| Direct Auto | $109 | $186 |
| Mercury | $109 | $165 |
| GAINSCO | $110 | $258 |
| The General | $116 | $221 |
| Bristol West | $125 | $196 |
| AssuranceAmerica | $128 | $233 |
| Allstate | $129 | $208 |
| National General | $131 | $174 |
| Root | $141 | $255 |
| Travelers | $153 | $246 |
| Mendota | $206 | $319 |
| First Acceptance | $210 | $305 |
| Liberty Mutual | $211 | $273 |
Car insurance rates vary widely across Florida. Bradenton drivers pay an average of $171 per month.
Rates are higher in nearby Tampa, about 45 minutes north of Bradenton, where drivers pay about $236 per month. A larger share of Tampa drivers have accidents or driving under the influence (DUI) convictions on their records, according to Insurify data, increasing the risk of future accidents and claims.
Sarasota — about 13 miles south of Bradenton — generally has cheaper car insurance, partly due to lower property crime rates. On average, Sarasota drivers pay $154 per month for car insurance.
The table below shows the average monthly auto insurance rates across Florida cities.
City | Average Monthly Quote |
|---|---|
| Apopka | $188 |
| Bradenton | $171 |
| Cape Coral | $166 |
| Clearwater | $172 |
| Davenport | $186 |
| Daytona Beach | $175 |
| Fort Lauderdale | $215 |
| Fort Myers | $175 |
| Gainesville | $155 |
| Jacksonville | $184 |
| Jupiter | $161 |
| Lakeland | $173 |
| Melbourne | $157 |
| Miami | $233 |
| Miami Gardens | $264 |
| Naples | $161 |
| Ocala | $166 |
| Orlando | $203 |
| Palm Bay | $167 |
| Panama City | $148 |
| Pensacola | $158 |
| Pompano Beach | $215 |
| Riverview | $214 |
| St. Petersburg | $184 |
| Sarasota | $154 |
| Spring Hill | $192 |
| Tallahassee | $164 |
| Tampa | $236 |
| Venice | $130 |
| West Palm Beach | $219 |
| Winter Haven | $181 |
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Driving in Bradenton comes with some unique challenges tied to infrastructure and tourism. On average, drivers spend about 25 minutes per day commuting to work, but traffic can spike during peak tourist season.
Traffic can increase significantly during peak tourist season. Manatee County sees more than 685,000 visitors between June and September, leading to heavier congestion on coastal routes, bridges, and popular beach areas.[4] Beachgoers should expect limited parking near beaches and downtown areas, and plan ahead to find secure parking.
Some areas near the Manatee River are prone to flooding during heavy rain, so drivers should be especially cautious on nearby roads, such as State Road 64, during storms.
Ongoing construction projects, including the 75th Street West Expansion and improvements near the 44th Avenue Bridge, can also cause traffic delays or detours. Allow extra travel time to reduce stress and avoid accidents.
In Bradenton, 3.7% of drivers have tickets on their records and 4.2% have an at-fault accident, according to Insurify data. The city has a lower-than-usual rate of DUIs. In Bradenton, about 0.5% of drivers have a DUI, which is lower than the 0.6% rate for all of Florida.
Because Florida is a no-fault state, drivers must file claims with their own insurer after an accident, no matter who caused the accident. Even minor accidents can raise your rates when it’s time to renew your policy. Manatee County and Bradenton police have conducted DUI saturation patrols in high-traffic areas as part of efforts to crack down on impaired driving.[5]
The table below shows the average car insurance rates for Bradenton drivers based on different driving records.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $171 |
| Speeding ticket | $199 |
| At-fault accident | $218 |
| DUI | $222 |
Bradenton has a higher percentage of residents aged 65 and older compared to the Florida average (28% versus 21.8%), according to the U.S. Census Bureau.
While older drivers usually have lower premiums, teens pay significantly more due to higher crash risk and limited driving experience. Fatal crashes involving teen drivers increased during the “100 Deadliest Days of Summer” between Memorial Day and Labor Day, according to the Florida Department of Highway Safety and Motor Vehicles.
About 20% of Bradenton’s population is age 18 or younger, with this group paying nearly double the rate of drivers in their 60s or 70s.
Take a look at the table below to see average monthly quotes for Bradenton drivers in different age groups.
Age | Average Monthly Quote |
|---|---|
| Teens | $291 |
| 20s | $204 |
| 30s | $182 |
| 40s | $178 |
| 50s | $164 |
| 60s | $153 |
| 70+ | $160 |
*Quotes generated for Insurify users in and around Bradenton, Florida within the last 10 days. Last updated on June 4, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Bradenton, Florida within the last 10 days. Last updated on June 4, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
As you shop for car insurance in Bradenton, the following information can help you find the best coverage.
In Bradenton, drivers pay an average of $171 per month for a car insurance policy, according to Insurify data.
Country Financial has the cheapest auto insurance rates, averaging $43 per month for liability insurance.
Yes. Car insurance agents can help Bradenton drivers find discounts for having multiple vehicles, bundling policies, and being a mature driver, among others. Contact your insurance agency to discuss available discounts, your insurance needs, and coverage options.
If you plan to bring a recreational vehicle (RV) to one of Bradenton’s RV parks, such as Horseshoe Cove or Vista del Lago, you’ll need insurance if your RV is drivable and used on public roads.
If it’s a towable unit, you’ll need insurance for the truck you use to tow to meet state requirements. But you may also want to purchase additional coverage to protect the RV and your personal items inside it.
Many factors influence your car insurance rates in Bradenton, including personal factors like your coverage choices and age. Regional factors also play a role.
Bradenton is close to the coast and runs alongside the Manatee River, so the risk of flooding, hurricanes, and storm surges can affect premiums. Drivers who live in low-lying neighborhoods or in the most congested areas, such as near U.S. 41, tend to have higher premiums.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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9+ years in personal finance writing
Certified Financial Counselor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
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