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How much is car insurance in Sarasota?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $26 a month cheaper to insure your vehicle in Sarasota than it is in the rest of Florida.
On the flip side, Sarasota residents will likely pay higher rates for their insurance policy than the rest of the country. The average monthly payment in Sarasota is about $17 more expensive than the rate for the rest of the U.S.
These rates may be the average amount Sarasota drivers pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
But don't worry, we've broken down the average rates for Sarasota residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!
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Sarasota Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? That experience can lead to some serious savings when it comes to auto insurance premiums. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement age, however, you may see your rates creep back up in Sarasota.
Sarasota Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. In Sarasota, although women do pay a bit less on their monthly insurance rates, the cost is about the same for either group.
Sarasota Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. Drivers in Sarasota with one accident will pay around $124 a month. In addition, drivers with one ticket can expect to pay around $89 a month on average.
Accidents, tickets, and other driving infractions can really hurt your wallet. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Sarasota Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$138|
|15 Years or Older||$97|
In terms of affordable coverage, the cheapest vehicles to insure in Sarasota are by and large SUVs, at $88 per month.
Truck and van drivers will see rates of about $97 for car insurance coverage, while car owners usually pay around $101 per month.
Your rates can also vary depending on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to decrease if your car is a few years old. In Sarasota, the most expensive vehicles to insure are vehicles less than one year old.
Sarasota Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$100|
Generally speaking, those who are currently married will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
The cost of auto insurance in Sarasota reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $16 a month.
Sarasota Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$127|
Another factor that comes into play is your housing situation. If you rent your home or apartment in Sarasota, expect to pay around $18 a month more than if you are a homeowner. But if you live with your parents, your rates will be significantly higher.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average premiums.
Car Insurance Companies in Sarasota, FL
Recent trends in car insurance for Sarasota drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when deciding when and where to shop.
The rates for car insurance in Sarasota decreased from 2017-2019, before steadying out in 2020. Car insurance rates began decreasing again in 2021, and finished down in 2022, at $73.
How does Sarasota compare to neighboring areas?
Why are car insurance rates in Sarasota different from other areas?
Car insurance companies look at many factors when they're figuring out how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around your home address. These include things like:
- Crime levels
- Amount of drivers
- Area laws
- Off-street parking access
- Road safety
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Sarasota?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Good news! Compare.com will handle the heavy lifting for you. Just punch in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies providing auto coverage in Sarasota.
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Sarasota Auto Insurance FAQs
What factors affect car insurance quotes in Sarasota?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Sarasota different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Sarasota?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Sarasota?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Sarasota or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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