Cheapest Auto Insurance in Sarasota, Florida (2025)

State Farm is the cheapest liability-coverage insurer in Sarasota, with rates as low as $85 per month.

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Cheapest recent rates near Sarasota, Florida

Recent Sarasota, Florida car insurance prices for Toyota, BMW, Lexus , and more.

*Quotes generated for Insurify users in and around Sarasota, Florida within the last 10 days. Last updated on October 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Sarasota, Florida within the last 10 days. Last updated on October 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Situated on the Gulf Coast of Florida, Sarasota has a high risk of storm damage to vehicles and homes. Still, Sarasotans pay an overall average of $141 per month for car insurance, compared to the statewide average of $181. The city’s relatively low accident rate may contribute to its slightly lower insurance rates.

Here’s what you need to know about comparing quotes and finding affordable car insurance premiums in Sarasota.

Quick Facts
  • The average cost of car insurance in Sarasota is $107 per month for liability coverage and $174 per month for full coverage.

  • Florida requires drivers to purchase only property damage liability and personal injury protection coverages.

  • State Farm is the cheapest full-coverage insurer in Sarasota — its rates start at $90 per month.

6 of the cheapest car insurance companies in Sarasota

The right car insurance company for you depends on various factors, including the type of car you drive, your driving record, and your age.[1] Before committing to any company, it’s important to compare rates from multiple insurers to find the right fit for your needs.

To help get you started, here’s a list of some of the cheapest car insurance companies in Sarasota.

State Farm logo
GEICO logo
Nationwide logo
Allstate logo
Travelers logo
Farmers logo
Average price
Prices based on average across state-minimum and full coverage car insurance
$113/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$169/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$137/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$196/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$233/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$162/mo*
Overall rating
4.1
Overall rating
3.9
Overall rating
4.3
Overall rating
3.9
Overall rating
4.7
Overall rating
3.8
Value for money
3.8/5
Value for money
3.8/5
Value for money
3.9/5
Value for money
3.6/5
Value for money
4.3/5
Value for money
3.6/5
Customer service
4.1/5
Customer service
3.9/5
Customer service
4.0/5
Customer service
3.8/5
Customer service
4.4/5
Customer service
3.8/5
Claims handling
4.1/5
Claims handling
4.1/5
Claims handling
4.3/5
Claims handling
3.9/5
Claims handling
4.7/5
Claims handling
4.0/5
Special highlight
AI-generated from 6240 user reviews
Customer service
Special highlight
AI-generated from 6601 user reviews
Teen drivers
Special highlight
AI-generated from 493 user reviews
Usage-based savings
Special highlight
AI-generated from 3769 user reviews
Accident forgiveness
Special highlight
AI-generated from 483 user reviews
Numerous discounts
Special highlight
AI-generated from 1207 user reviews
Bundling discounts
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers

Best insurer for teen drivers: State Farm

User Reviews
4.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$85/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$90/mo
4.1
Best choiceBased on 11,820 verified guest reviews and ratings
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,240)
Taylor
Verified Review
Great Insurance Company but Too Expensive
Reviewed in Michigan on October 2025
Overall, they are a great insurance company, but I think they charge way too much compared to others.
Sherry
Verified Review
State Farm
Reviewed in Kansas on October 2025
Be very careful and read everything.
Kurt
Verified Review
Better Insurance Company
Reviewed in California on October 2025
Rates are too high. Agents don't handle claims directly.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

State Farm is one of the top companies for auto insurance in Sarasota, offering competitive rates and comprehensive coverage.

Pros
  • Competitive pricing, with many discounts available

  • Personalized service from a network of local agents

Cons
  • Can’t buy a policy online

  • Generally poor ratings from many trusted review sites

Best insurer for senior drivers: GEICO

User Reviews
3.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.2 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$127/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$136/mo
3.9
A solid optionBased on 12,479 verified guest reviews and ratings
How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,601)
Pamela
Verified Purchase
Excellent
Reviewed in on October 2025
Excellent. They work with you and are very efficient. Would highly recommend.
Adrian
Verified Purchase
Changed my price when I agreed to policy
Reviewed in on October 2025
When I agreed to accept the policy, my price went up $20 a month instantly. I wasn’t happy.
Maria
Verified Review
Lowest for the Elderly with Minimum Miles
Reviewed in New York on October 2025
Very good for the elderly.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

Boasting some of the lowest auto premiums in the city, GEICO is best for drivers looking for coverage and affordability.

Pros
  • Can purchase a policy online

  • Highly rated mobile app

Cons
  • Gap insurance not available

  • Limited number of agents in Sarasota

Best insurer for coverage options: Allstate

User Reviews
3.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.9 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$148/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$157/mo
3.9
A solid optionBased on 7,208 verified guest reviews and ratings
How drivers feel about Allstate

Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.

AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate

Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.

AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,769)
Stephen
Verified Review
Good to bad
Reviewed in Texas on October 2025
They started out very affordable, but now they are very expensive.
Jerry
Verified Review
Average
Reviewed in Illinois on October 2025
After a few months, they raise your rates over 30% even when you don’t file a claim.
John
Verified Review
You Asked
Reviewed in Illinois on October 2025
Seems expensive, but the service and coverage are very good. You get what you pay for.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
636
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-
Why we picked this company

Allstate car insurance is excellent for drivers who want coverage options tailored to their unique needs, including accident forgiveness.

Pros
  • Offers specialized coverage options

  • Various available discounts

Cons
  • Rates may increase significantly if you have a speeding ticket, accident, or DUI

  • Lower-than-average insurance shopping-satisfaction rating from J.D. Power[2]

How to get the cheapest car insurance in Sarasota

Finding affordable car insurance can be a challenge, but you can use these strategies to lower your rates:

  • Increase your deductible. Increasing your deductible is a straightforward way to reduce your premiums. When you increase your deductible, you shift more of the liability when filing a claim onto yourself. Just make sure you can afford the out-of-pocket costs if you ever file a claim.

  • Take advantage of discounts. Most insurance companies offer discounts on insurance policies for safe driving, good grades, and completing defensive driver courses. Be sure to ask about any discounts you qualify for when shopping for car insurance.

  • Bundle policies. Bundling auto and home policies with the same insurer often results in discounted rates. Many insurers also offer bundling discounts for auto and renters insurance.

  • Drive your current car for as long as possible. Driving an older vehicle can often result in lower car insurance premiums since new vehicles cost more to repair or replace if damaged or stolen.

  • Compare rates. Shopping around and comparing rates from the best companies is one of the easiest ways to save money on car insurance.

Get Cheap Car Insurance in Sarasota

Minimum-coverage rates start at $85/mo.

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Cheapest liability-only car insurance in Sarasota: State Farm

Liability-only car insurance only covers damages and injuries you cause in a car accident — it doesn’t cover any damage to your vehicle. This makes it more affordable than full-coverage auto insurance, but you’ll have to pay to repair or replace your car out of pocket after an accident.

On average, Sarasota drivers pay $107 per month for minimum coverage. Here’s a list of some of the lowest liability-only rates available in Sarasota.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$85
Mile Auto$90
Direct Auto$116
Progressive$118
GEICO$127
Mercury$127
Infinity$137
National General$141
Bristol West$143
Allstate$148
The General$148
GAINSCO$150
Root$154
Travelers$176
AssuranceAmerica$218
Dairyland$224
Liberty Mutual$298
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Sarasota: State Farm

Full-coverage car insurance covers legal liability and any damage to your vehicle in an accident or other event. This type of coverage is typically more expensive than liability-only plans, which only cover expenses when you injure another person or damage their property.

People who drive newer, more expensive vehicles or are financing their vehicle purchases would benefit from full-coverage car insurance. On average, Sarasota drivers pay $174 per month for full coverage.

Here’s a list of the lowest full-coverage auto insurance rates in Sarasota.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$90
Mile Auto$122
GEICO$136
Progressive$156
Allstate$157
Mercury$160
National General$170
Direct Auto$185
Travelers$187
Infinity$199
Bristol West$201
The General$213
Root$243
GAINSCO$249
Liberty Mutual$309
AssuranceAmerica$323
Dairyland$404
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Sarasota, Florida

Recent Sarasota, Florida car insurance prices for Toyota, Lexus, Hyundai , and more.

*Quotes generated for Insurify users in and around Sarasota, Florida within the last 10 days. Last updated on October 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Sarasota, Florida within the last 10 days. Last updated on October 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Florida

Florida is a no-fault car insurance state, meaning you must carry minimum personal injury protection (PIP) and property damage liability coverage to pay for your medical expenses and other accident-related damages, regardless of who causes an accident.

Here are the minimum coverage limits that Florida requires for drivers:[3]

Coverage
sort ascsort desc
Minimum Requirements
sort ascsort desc
Personal injury protection$10,000
Property damage liability$10,000
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Keep in mind that Floridas minimum requirements are quite low compared to other state requirements. Consider adding these coverages for more protection:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance provides coverage when theft, vandalism, falling objects, or weather events damage your vehicle.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance kicks in after an accident or when you hit a mailbox, even if you’re at fault.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance coverage

    Roadside assistance provides coverage for towing, jumpstarts, or tire changes on the side of the road when your vehicle breaks down.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Gap coverage

    Gap insurance covers the difference between your total loss settlement and what you owe on your auto loan if you finance your vehicle.

Cheapest car insurance for drivers with an incident

Incidents such as at-fault accidents, driving under the influence (DUI), speeding tickets, and other traffic violations can increase car insurance rates significantly. When you have one or more incidents on your driving record, insurance companies view you as higher risk and charge more for auto coverage.[1]

Find Car Insurance in Sarasota

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ProgressiveLiberty MutualAllstate

Cheapest car insurance for drivers with a speeding ticket: State Farm

Speeding tickets can be costly in more ways than one. Not only do you have to pay the ticket, but your car insurance rates will likely increase, too. On average, Sarasota drivers with speeding tickets pay $143 per month for liability insurance.

If you’ve received a speeding ticket and are looking for the cheapest car insurance in Sarasota, below is a table of some of the lowest premiums available.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Speeding Ticket
sort ascsort desc
State Farm$85$110
Mile Auto$90$112
Direct Auto$116$151
Progressive$118$158
GEICO$127$170
Mercury$127$182
Infinity$137$176
National General$141$182
Bristol West$143$185
Allstate$148$195
The General$148$202
GAINSCO$150$187
Root$154$210
Travelers$176$232
AssuranceAmerica$218$267
Dairyland$224$289
Liberty Mutual$298$387
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: State Farm

Like a speeding ticket, an at-fault accident can increase your auto rate. The amount it increases depends on the severity of the accident and your insurance company.[4]

Sarasota drivers with at-fault accidents pay an average of $132 per month for liability coverage. The table below shows the cheapest car insurance quotes in Sarasota for drivers with an at-fault accident on their record.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Accident
sort ascsort desc
State Farm$85$106
Mile Auto$90$115
Direct Auto$116$152
Progressive$118$145
GEICO$127$154
Mercury$127$180
Infinity$137$168
National General$141$179
Bristol West$143$180
Allstate$148$187
The General$148$196
GAINSCO$150$185
Root$154$192
Travelers$176$224
AssuranceAmerica$218$255
Dairyland$224$284
Liberty Mutual$298$378
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: State Farm

Driving under the influence of alcohol can have serious consequences, including hefty fines and increased car insurance rates.[4] Drivers with DUIs in Sarasota pay an average of $141 per month for minimum coverage.

Here’s a table showing some of the lowest car insurance premiums available for Sarasota drivers with a DUI.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With DUI
sort ascsort desc
State Farm$85$118
Mile Auto$90$125
Direct Auto$116$161
Progressive$118$156
GEICO$127$170
Mercury$127$183
Infinity$137$190
National General$141$195
Bristol West$143$198
Allstate$148$205
The General$148$205
GAINSCO$150$208
Root$154$209
Travelers$176$244
AssuranceAmerica$218$302
Dairyland$224$310
Liberty Mutual$298$413
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: State Farm

Car insurance companies may charge seniors more for insurance due to several factors. On average, older drivers tend to be more risky than younger drivers due to their slower reaction times, decreased flexibility and vision, and a higher risk of medical emergencies.[5]

Senior drivers in Sarasota pay an average of $95 per month for liability coverage and $155 per month for full coverage. To help you get the best deal, the below table illustrates the lowest car insurance rates available to senior drivers in Sarasota.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
State Farm$68$72
Mile Auto$72$98
Direct Auto$95$152
Infinity$100$145
GEICO$103$110
Progressive$105$139
Mercury$106$133
National General$113$136
Bristol West$120$169
Allstate$123$131
The General$125$180
GAINSCO$129$214
Root$132$208
Travelers$143$152
AssuranceAmerica$172$255
Dairyland$187$338
Liberty Mutual$254$263
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: State Farm

Insurance companies often consider teen drivers as high risk because they’re less-experienced drivers. As a result, they usually have to pay higher premiums for coverage.[1]

Insuring a teen driver in Sarasota costs an average of $183 per month for liability coverage and $298 per month for full coverage. Below is a table showing the cheapest car insurance quotes for teens in Sarasota, so they (and their parents) can save money on their policies without sacrificing quality.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
State Farm$158$168
Mile Auto$180$244
Progressive$202$267
Direct Auto$221$353
GEICO$222$238
Infinity$225$326
Mercury$231$291
Bristol West$248$348
The General$248$357
Root$259$409
GAINSCO$273$454
National General$278$336
Allstate$283$300
Travelers$348$369
Dairyland$359$648
AssuranceAmerica$426$632
Liberty Mutual$510$529
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Learn More: The Insurify Guide to Car Insurance Discounts

Learn More: The Insurify Guide to Car Insurance Discounts

Sarasota car insurance quotes by credit tier

Florida allows car insurance companies to use your credit history when determining your premiums.[6]

Insurance companies view drivers with poor credit as riskier and more likely to file claims than drivers with good or excellent credit. This means people with poor credit scores usually pay higher premiums for car insurance than people with better scores.

The following table shows the average monthly quotes for each credit tier.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Sarasota?

Car insurance is more expensive in Sarasota than the national average due to various factors, including:

  • A high number of uninsured drivers: Florida has a high rate of uninsured motorists, which can drive up the cost of coverage for everyone else.

  • Severe weather: Florida may be the Sunshine State, but it experiences a lot of severe weather events, including hurricanes, thunderstorms, and lightning.[7] These weather events can damage vehicles, driving up the number of claims and causing insurance companies to charge more in the state.

  • Influx of yearly tourists: Florida experienced its highest estimate of tourists in a single quarter at the beginning of 2023.[8] This influx of drivers unfamiliar with Florida roads may contribute to more claims and higher insurance costs.

But car insurance rates vary significantly by ZIP code within Florida, depending on several factors such as population density and the average cost of car repairs in the area.[1] For example, cities with higher populations and more tourists tend to have higher rates due to the increased risk of accidents and claims.

Despite these factors, Sarasota is an affordable city for car insurance compared to cities like Riverview and Spring Hill.

More cities in Florida

To see how car insurance rates differ among some of the most popular cities in Florida, consider the table below, which shows the average monthly premium for full-coverage and liability-only policies in some other Florida cities.

City
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Cape Coral$199$152
Clearwater$191$146
Daytona Beach$205$136
Fort Lauderdale$228$182
Fort Myers$191$145
Gainesville$179$136
Jacksonville$214$159
Jupiter$176$157
Miami$263$201
Orlando$223$173
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Sarasota car insurance FAQs

Check out the average cost of car insurance in Florida while you compare quotes in Sarasota to help find the best car insurance prices in your area. Below are the answers to common questions about car insurance in Sarasota to help you find the right coverage.

  • How much is car insurance in Sarasota?

    The average cost of car insurance in Sarasota is $107 per month for liability coverage and $174 per month for full coverage.

  • Which company has the cheapest car insurance in Sarasota?

    The cheapest car insurance companies in Sarasota include State Farm, Mile Auto, and Direct Auto, with liability rates starting at $85, $90, and $116 per month, respectively.

    While these insurers have average rates less than the city average, the best way to find the cheapest car insurance is by comparing quotes from multiple companies to find the coverage that meets your specific needs at a price that fits your budget.

  • What are the best car insurance companies in Sarasota?

    Some of the best car insurance companies in Sarasota include GEICO and Allstate. Not only do these companies have higher-than-average J.D. Power satisfaction ratings in Florida, but they also have lower-than-average rates and high IQ Scores.[9]

  • What factors affect the cost of car insurance in Sarasota?

    Your credit history, age, vehicle, and gender are personal factors that affect the cost of car insurance. Local factors like accident and theft rates, the cost of car repairs, and the cost of medical care can also affect car insurance rates.[1]

  • How much car insurance do you need in Florida?

    Florida requires $10,000 for property damage liability and $10,000 for personal injury protection.[3]

Methodology

Insurify data scientists analyzed more than 90 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:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Related articles

Sources

  1. III. "What determines the price of an auto insurance policy?."
  2. J.D. Power. "2022 U.S. Insurance Shopping Study."
  3. Florida Department of Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
  4. III. "Do auto insurance premiums go up after a claim?."
  5. III. "Senior driving safety and insurance tips."
  6. Online Sunshine. "626.9741 Use of credit reports and credit scores by insurers.."
  7. Florida Department of Transportation. "Severe Weather Awareness."
  8. Visit Florida. "Florida Visitor Estimates and travel Industry Trend Indicators."
  9. J.D. Power. "2023 U.S. Auto Insurance Study."
Janet Berry-Johnson
Janet Berry-Johnson

Janet Berry-Johnson, CPA is a freelance writer with a background in accounting and income tax planning and preparation. She's passionate about making complicated financial topics accessible to readers. She lives in Omaha, Nebraska with her husband and son and their rescue dog, Dexter. Visit her website at www.jberryjohnson.com.

Janet has been a contributor at Insurify since October 2022.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • Over 3 years of experience producing content on insurance and personal finance.

  • Key architect of Insurify's quality score.

Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.

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