Affordable Car Insurance Rates in Wesley Chapel, FL (2024)
Car insurance rates in Wesley Chapel, FL are $434/month on average. By law, Florida drivers need to carry at least 10/20/10 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Wesley Chapel car insurance companies to get the coverage you need at the best rates available.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Jan 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Jan 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Wesley Chapel, FL for senior drivers are $3,130/year
- The cheapest car insurance company in Wesley Chapel after a DUI is State Farm
- The cheapest car insurance company in Wesley Chapel for teen drivers is Geico
Average car insurance rates in Wesley Chapel, Florida are $434 a month. But with a little research you can get a great deal from the top car insurance companies in Wesley Chapel, FL. Before you buy Wesley Chapel, Florida car insurance, make sure your coverage meets or exceeds the Florida minimum of 10/20/10.
It may even be helpful to compare Wesley Chapel car insurance rates with Tampa car insurance rates, Orlando car insurance rates, or Jacksonville car insurance rates to make sure you’re getting the best Wesley Chapel, FL car insurance quotes available.
Need affordable Wesley Chapel, FL car insurance? Enter your ZIP code to compare Wesley Chapel car insurance quotes from multiple car insurance companies near you.
Wesley Chapel, FL Minimum Car Insurance Coverage
Wesley Chapel, Florida law requires drivers carry a minimum of 10/20/10 coverage. Take a look at the breakdown of the minimums here.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $10,000 per person $20,000 per accident |
| Property Damage Liability Coverage | $10,000 minimum |
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Wesley Chapel, FL Car Insurance Rates by Coverage Level
Some Wesley Chapel drivers can get by with the Florida minimum coverage of 10/20/10. Other drivers may need more. See how much your Wesley Chapel, Florida car insurance rates may be based on the coverage you need.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $6,410 | $9,093 | $10,294 |
| Geico | $3,306 | $4,264 | $4,774 |
| Liberty Mutual | $5,521 | $6,169 | $6,489 |
| Nationwide | $3,747 | $5,071 | $5,770 |
| Progressive | $4,882 | $6,060 | $6,799 |
| State Farm | $3,239 | $3,948 | $4,343 |
| USAA | $2,621 | $3,223 | $3,451 |
Wesley Chapel, FL Car Insurance Rates by Age, Gender, and Marital Status
Wesley Chapel, Florida car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Wesley Chapel, FL car insurance, get quotes from multiple car insurance companies in the Wesley Chapel area and see how these criteria affect your rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $5,243 | $5,032 | $4,597 | $4,678 | $18,520 | $20,253 | $5,200 | $5,271 |
| Geico | $3,280 | $3,296 | $3,068 | $3,068 | $5,769 | $7,181 | $3,606 | $3,652 |
| Liberty Mutual | $4,150 | $4,150 | $3,790 | $3,790 | $8,929 | $13,837 | $4,150 | $5,682 |
| Nationwide | $3,388 | $3,344 | $3,020 | $3,125 | $8,239 | $10,157 | $3,737 | $3,891 |
| Progressive | $3,963 | $3,718 | $3,386 | $3,631 | $11,187 | $12,154 | $4,762 | $4,509 |
| State Farm | $2,390 | $2,390 | $2,165 | $2,165 | $7,070 | $9,050 | $2,666 | $2,847 |
| USAA | $1,786 | $1,756 | $1,677 | $1,660 | $6,160 | $7,111 | $2,231 | $2,404 |
Wesley Chapel, FL Car Insurance Rates for Teens
How much is Wesley Chapel, Florida car insurance for teens? Compare rates from top Wesley Chapel car insurance companies below to help find the cheapest teen car insurance in Wesley Chapel, FL.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $18,520 | $20,253 |
| Geico | $5,769 | $7,181 |
| Liberty Mutual | $8,929 | $13,837 |
| Nationwide | $8,239 | $10,157 |
| Progressive | $11,187 | $12,154 |
| State Farm | $7,070 | $9,050 |
| USAA | $6,160 | $7,111 |
Wesley Chapel, FL Car Insurance Rates for Seniors
Before seniors buy Wesley Chapel, Florida car insurance, they should make sure to shop around. Some Wesley Chapel, FL car insurance companies may offer discounts or other savings options for senior car insurance.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $4,597 | $4,678 |
| Geico | $3,068 | $3,068 |
| Liberty Mutual | $3,790 | $3,790 |
| Nationwide | $3,020 | $3,125 |
| Progressive | $3,386 | $3,631 |
| State Farm | $2,165 | $2,165 |
| USAA | $1,677 | $1,660 |
Wesley Chapel, FL Car Insurance Rates by Credit History
How does your credit history affect Wesley Chapel, FL car insurance rates? Review the numbers here to find out.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $12,040 | $7,606 | $6,152 |
| Geico | $5,956 | $3,637 | $2,752 |
| Liberty Mutual | $7,849 | $5,721 | $4,609 |
| Nationwide | $6,089 | $4,464 | $4,035 |
| Progressive | $7,703 | $5,480 | $4,558 |
| State Farm | $5,273 | $3,442 | $2,814 |
| USAA | $5,038 | $2,467 | $1,789 |
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Wesley Chapel, FL Car Insurance Rates by Driver History
How does a single speeding ticket affect your Wesley Chapel, Florida car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Wesley Chapel.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $7,391 | $8,883 | $9,897 | $8,226 |
| Geico | $2,887 | $3,671 | $5,431 | $4,471 |
| Liberty Mutual | $4,282 | $5,650 | $8,346 | $5,961 |
| Nationwide | $4,139 | $4,550 | $6,155 | $4,606 |
| Progressive | $4,664 | $6,908 | $5,818 | $6,266 |
| State Farm | $3,509 | $4,177 | $3,843 | $3,843 |
| USAA | $2,425 | $2,997 | $4,428 | $2,543 |
Wesley Chapel, FL Car Insurance Rates With a DUI
Even a single DUI can increase your Wesley Chapel, FL car insurance rates. Compare rates below to see which Wesley Chapel car insurance company has the best rates for drivers with a DUI.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $9,897 |
| Geico | $5,431 |
| Liberty Mutual | $8,346 |
| Nationwide | $6,155 |
| Progressive | $5,818 |
| State Farm | $3,843 |
| USAA | $4,428 |
Wesley Chapel, FL Car Insurance Rates by ZIP Code
Just like Wesley Chapel car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Wesley Chapel, FL car insurance rates fluctuate by ZIP code.
| ZIP Code | Average Annual Rates |
|---|---|
| 33543 | $4,053 |
| 33544 | $3,984 |
| 33545 | $3,946 |
Wesley Chapel, FL Car Insurance Rates by Commute
The more time you spend on your daily commute, the higher your Wesley Chapel, FL car insurance rates may be. Let’s take a look at average car insurance rates from top Wesley Chapel companies based on commute time.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $8,351 | $8,847 |
| Geico | $4,095 | $4,135 |
| Liberty Mutual | $5,859 | $6,261 |
| Nationwide | $4,863 | $4,863 |
| Progressive | $5,914 | $5,914 |
| State Farm | $3,708 | $3,978 |
| USAA | $3,063 | $3,134 |
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Wesley Chapel, FL Cheapest Car Insurance Rates
How do the top Wesley Chapel, Florida car insurance companies’ average rates stack up against the Wesley Chapel average monthly car insurance rates of $434? Take a look and see.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
Wesley Chapel, FL Top Car Insurance Companies
Car insurance is a competitive market. Here’s a look at the top Wesley Chapel, Florida car insurance companies to help you find one that best fits your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $8,599 |
| Geico | $4,115 |
| Liberty Mutual | $6,060 |
| Nationwide | $4,863 |
| Progressive | $5,914 |
| State Farm | $3,843 |
| USAA | $3,098 |
Other Factors Affecting Wesley Chapel, FL Car Insurance Rates
Before you buy Wesley Chapel, Florida car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.
Wesley Chapel, FL Commute Time
How does your Wesley Chapel, FL commute time compare with the average driver? In Wesley Chapel, the average commute is 33.1 minutes.
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Wesley Chapel, FL Car Insurance Quotes
Compare Wesley Chapel, FL car insurance quotes from multiple companies by entering your ZIP code now.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.