Cheap Auto Insurance Quotes in Port Charlotte, FL, for 2023

Car Insurance in Port Charlotte, FL

If you love Port Charlotte for its peace and quiet, you probably won’t be surprised that auto insurance is more affordable here than in the rest of Florida. Read on to learn about the top providers selling car insurance in Port Charlotte and how to get a cheap policy for you and your family, and always make sure to compare car insurance rates before committing to an insurer.

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Cheapest Car Insurance in Port Charlotte, FL

Below, you can browse average quotes on auto insurance in Port Charlotte. You’ll get a sense of which insurance companies are offering cheap premiums in the area. Your individual situation and driving history will affect the rate you get, so make sure you still compare quotes.

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.

Port Charlotte Car Insurance Rates by Driving and Accident History

Safe driving is a great way to earn cheap auto insurance and keep it. This table shows that when Port Charlotte drivers show speeding tickets or at-fault accidents on their driving record, it’s harder for them to find a cheap insurance policy^[2]. This is because the price of your insurance coverage is based on the likelihood that you will make a claim—and often, history repeats itself.

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Port Charlotte Car Insurance Rates by Credit Tier

For Port Charlotte drivers, better credit does make for better premiums. You can see in this table that there’s a direct relationship between a driver’s credit score and their auto insurance rates^[3]. But if your credit needs improvement, don’t get too stressed. There are plenty of ways to reduce your insurance costs.

How to Get the Cheapest Car Insurance in Port Charlotte

In general, the way to find cheap car insurance is to spend the time looking for it. There are so many insurance companies offering auto policies in Port Charlotte, and they will offer slightly different premiums. Your task is to get free quotes from as many as possible until you’ve found the best deal from a solid insurance provider.

If that sounds like a lot of work, you’ll understand why we built Insurify. It looks all over the internet for insurance quotes personalized to your insurance needs, driving record, credit score, and everything else—so when you get a quote from Insurify, you’ll be ready to buy. Insurify is free, fast, easy to use, and designed to score you cheap auto insurance.

Frequently Asked Questions

Insurify Insights

How Port Charlotte 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 Port Charlotte, 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 Port Charlotte 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.

Ford F-Series Pickup

Most Popular Car in Port Charlotte

#134

City with the Most Speeding Tickets Rank in Florida

#117

City with the Most Moving Violations Rank in Florida

#114

City with the Most DUIs Rank in Florida

#123

City with the Most Suspended Licenses in Florida

• Accidents in Port Charlotte

  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. Port Charlotte drivers rank 58 in the number of car accidents per driver across all cities in Florida.

  • Rank within state: #58
  • Percent of drivers in Port Charlotte with an accident: 9.4%
• DUI/DWIs in Port Charlotte

  While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Port Charlotte drivers rank 114 in the number of DUI’s per driver across all cities in Florida.

  • Rank within state: #114
  • Percent of drivers in Port Charlotte with a DUI: 0.6%
• Reckless Drivers in Port Charlotte

  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, Port Charlotte drivers rank 197 in the number of reckless driving offenses per driver.

  • Rank within state: #197
  • Percent of drivers in Port Charlotte with a reckless driving offense: 0.7%
• Rude Drivers in Port Charlotte

  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, Port Charlotte drivers rank 180 in rude driving infractions.

  • Rank within state: #180
  • Percent of drivers in Port Charlotte with a reckless driving violation: 1.1%
• Speeding in Port Charlotte

  Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Florida, Port Charlotte drivers rank 134 in the number of speeding infractions per driver.

  • Rank within state: #134
  • Percent of drivers in Port Charlotte with a speeding ticket: 6.2%
• Safest Drivers in Port Charlotte

  Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Port Charlotte drivers rank 124 in clean driving records across all cities in Florida.

  • Rank within state: #124
  • Percent of drivers in Port Charlotte with clean record: 79.4%
• Hybrid/Electric Vehicle Ownership in Port Charlotte

  As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Port Charlotte drivers rank 179 in hybrid and electric vehicle ownership across all cities in Florida.

  • Rank within state: #179
  • Percent of drivers in Port Charlotte with a hybrid/electric vehicle: 0.36%

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.