Cheap Auto Insurance Quotes in Sarasota, FL, for 2023

Car Insurance in Sarasota, FL

Car insurance in Sarasota costs an average of $202 per month or $2,424 per year. Some of the factors that affect the cost of insurance in Sarasota include what type of car you drive, your driving record, and your credit score. When looking for a new policy, always make sure to compare car insurance quotes from multiple companies.

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Cheap Car Insurance Florida

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Cheapest Car Insurance in Sarasota, FL

The average monthly premium in Sarasota has quite a wide range, depending on the provider and your driver details. Insurers weigh certain factors differently when determining rates, so you should always be sure to get a personalized quote.

Minimum Car Insurance Requirements in Florida

All motor vehicles operated or parked on Florida roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Florida^[1] are:

• $10,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident. Florida is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.

• $10,000 per accident for PIP

Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

Sarasota Car Insurance Rates by Driving and Accident History

If you have a clean driving record, you’ll likely have lower auto insurance rates^[2]. On the other hand, if you have an accident, speeding ticket, or DUI on your driving record, you may be charged a higher premium as a result. For example, drivers with a clean record in Sarasota pay an average of $201, while drivers with an at-fault accident pay $293 on average.

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High-Risk Car Insurance Florida

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Sarasota Car Insurance Rates by Credit Tier

Did you know that your credit score can also affect your car insurance rates? Insurers use a score known as a credit-based insurance score to partially determine your rates^[3]. This means that if you have good credit, you could get a better deal on car insurance, but you may have to pay more if you have poor credit.

How to Get the Cheapest Car Insurance in Sarasota

Drivers who are looking for the cheapest car insurance in Sarasota should do their due diligence when it comes to shopping for a policy. By comparing quotes from multiple car insurance companies, you can help ensure that you’re able to select the most affordable policy that meets your needs.

Insurify makes this process easy. Just enter a little information about yourself and your vehicle, and receive personalized quotes from top-tier insurance providers in just a few minutes. Once you’ve had a chance to compare policies, you can purchase one online or over the phone with one of Insurify’s agents.

Frequently Asked Questions

Insurify Insights

How Sarasota Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Sarasota, Florida below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Sarasota drivers measure up to their fellow motorists across Florida in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

Toyota Camry

Most Popular Car in Sarasota

#112

City with the Most Speeding Tickets Rank in Florida

#97

City with the Most Moving Violations Rank in Florida

#75

City with the Most DUIs Rank in Florida

#65

City with the Most Suspended Licenses in Florida

• Accidents in Sarasota

  While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Sarasota drivers rank 76 in the number of car accidents per driver across all cities in Florida.

  • Rank within state: #76
  • Percent of drivers in Sarasota with an accident: 9%
• DUI/DWIs in Sarasota

  While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Sarasota drivers rank 75 in the number of DUI’s per driver across all cities in Florida.

  • Rank within state: #75
  • Percent of drivers in Sarasota with a DUI: 0.8%
• Reckless Drivers in Sarasota

  Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Florida, Sarasota drivers rank 73 in the number of reckless driving offenses per driver.

  • Rank within state: #73
  • Percent of drivers in Sarasota with a reckless driving offense: 1.8%
• Rude Drivers in Sarasota

  The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Florida, Sarasota drivers rank 85 in rude driving infractions.

  • Rank within state: #85
  • Percent of drivers in Sarasota with a reckless driving violation: 1.9%
• Speeding in Sarasota

  Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Florida, Sarasota drivers rank 112 in the number of speeding infractions per driver.

  • Rank within state: #112
  • Percent of drivers in Sarasota with a speeding ticket: 6.7%
• Safest Drivers in Sarasota

  Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Sarasota drivers rank 122 in clean driving records across all cities in Florida.

  • Rank within state: #122
  • Percent of drivers in Sarasota with clean record: 79.4%
• Hybrid/Electric Vehicle Ownership in Sarasota

  As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Sarasota drivers rank 65 in hybrid and electric vehicle ownership across all cities in Florida.

  • Rank within state: #65
  • Percent of drivers in Sarasota with a hybrid/electric vehicle: 1.27%

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.