Cheap Car Insurance in North Port, Sarasota and Bradenton, FL.
Sarasota, located on the western coast of Florida, is a popular tourist destination known for its diverse natural and cultural opportunities. The metropolitan area, which includes North Port, Bradenton, Venice, and Palmetto, offers visitors and residents alike plenty of state parks, museums, and entertainment options. But, with all the attractions in this area, it’s important to make sure you have the right car insurance coverage.
- The average cost of car insurance in North Port, Sarasota, and Bradenton is $1,776 for full coverage and $708 for the state minimum per year.
- In 2019, there were a total of 19 fatal car accidents in North Port, Sarasota, and Bradenton combined.
On average, car insurance companies in Sarasota and surrounding areas charge around $1,776 a year for full coverage. This is right on par with the U.S. national average of $1,674 and well below Florida’s auto insurance average of $2,364. The state-required minimum car insurance coverage is quite a bit cheaper, averaging $708 per year.
Keep in mind that your car insurance rates will depend on a variety of factors, including your age, gender, claims history, and the make and model of your vehicle. Full coverage car insurance offers multiple layers of protection in case of accidents, vandalism, or theft. Since Florida is a no-fault state, the state-required minimum will cover your injuries and damages up to your policy limits, regardless of who caused the accident.
However, it’s important to note that medical bills, loss of work, and other expenses can often exceed the state-required minimum. So, it’s wise to make sure you have the appropriate car insurance coverage in Bradenton, North Port or Sarasota.
Some areas may have a higher incidence of theft, vandalism, or natural disasters, which can result in higher rates. Here are the average monthly rates for a sample of North Port, Sarasota, and Bradenton zip codes:
|Zip Code||Average Monthly Car Insurance Rate for Full Coverage/State Minimum|
North Port, Sarasota, and Bradenton Low Cost Car Insurance Rates by Age
When it comes to determining the price of premiums drivers pay, age is a large factor. Young drivers as a group have higher risk profiles than older age groups.
For example, North Port, Sarasota, and Bradenton drivers ages 16 to 19 can expect to pay nearly three times the average monthly rate as drivers in their 50s.
|Age||Average Monthly Car Insurance Rate For Full Coverage/State Minimum|
Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by Florida. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.
Driving Conditions in North Port, Sarasota, and Bradenton
How Many Fatal Accidents Happen inNorth Port, Sarasota, and Bradenton?
In 2019, there were six fatal car accidents in North Port, 10 fatal car accidents in Sarasota, and three fatal accidents in Bradenton.
In Sarasota County (Sarasota and North Port) overall in 2020, there were 61 fatalities from 55 crashes. In Manatee County (Bradenton) overall in 2020, there were 61 fatal crashes with 65 people killed.
How Are the Road Infrastructure and Bridges in North Port, Sarasota, and Bradenton?
Infrastructure in North Port, Sarasota, and Bradenton is constantly undergoing revision. In October 2021, the Florida Job Growth Grant Fund contributed close to $2 million towards the installation of wastewater infrastructure in North Port. Past projects have also focused on storm-water drainage systems and correcting pipes affected by Florida’s humid weather.
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Comprehensive Car Insurance Coverage in North Port, Sarasota, and Bradenton
Comprehensive coverage is an optional type of car insurance that provides protection for damages to your vehicle that are not the result of a collision. It covers damages from events such as theft, vandalism, natural disasters, and more. Comprehensive auto insurance in North Port, Sarasota, and Bradenton is widely available from various insurance providers and is a popular choice among car owners for added protection for their vehicles.
Shield Your Business from the Threats of Storm Surge and Flood Zones in Sarasota, FL
Running a business in Sarasota means safeguarding your company’s valuable assets, including vehicles and equipment. With the risk of storm surge and flooding in the area, it’s crucial to have comprehensive protection in place. Freeway Insurance provides flood insurance tailored to the needs of businesses of all sizes, ensuring that your company stays protected and your operations continue uninterrupted, even in the face of natural disasters.
Minimum Car Insurance Requirements in North Port, Sarasota and Bradenton, FL
Here are the state minimum liability requirements for Florida:
- Personal Injury Protection (PIP): $10,000
- Property Damage Liability (PDL): $10,000
Florida is classified as a “no-fault” state. This means a driver’s personal injury protection insurance will cover the cost of their medical damages up to the policy’s limit, regardless of who is determined to be at fault. Unlike most states, Florida drivers are not required to have bodily injury liability. Instead, they are assigned personal injury protection coverage ($10,000).
Even with low liability limits, opposing drivers reserve the right to sue you for damages if the cost of damages exceeds your insurance policy’s limits. To save money on car insurance, opt for a higher deductible.
Note, if leasing a vehicle, your finance company may ask that you acquire coverage above the state-mandated limits. In the event of an accident, low minimum coverage limits may put drivers at greater risk of not being able to pay out-of-pocket expenses.
Factors Allowed in North Port, Sarasota and Bradenton Car Insurance Rates
Many factors help determine the cost of car insurance North Port-Sarasota-Bradenton drivers pay. These include your age, gender, zip code driving record, and number of miles driven per year.
Other factors that can determine the cost of insurance in North Port, Sarasota and Bradenton include:
- Type of vehicle
- Credit score
- Limits on basic auto insurance
- Amount of your deductible
Remember, keeping a safe driving record and calling your insurer regularly is your best bet towards manageable monthly premiums.
Discounts for Car Insurance in North Port, Sarasota and Bradenton
North Port-Sarasota-Bradenton can save money on car insurance in many ways. One of them is to take advantage of savings, such as defensive driving, safe driver, accident-free, and low mileage discounts.
Defensive driving discounts reward drivers who participate in safe driving classes from an accredited school. These classes may cover everything from assessing road conditions to safe driving distances behind vehicles. Safe driver and accident-free discounts reward drivers who have been accident-free anywhere from three to five years. Lastly, low mileage discounts can kick in for low mileage use, especially for drivers with less than 7,500 miles a year.
Discounts can include:
To find out what car insurance discounts you may be eligible for, check in with your insurance company every six months.
What Are the Penalties for Driving Without Insurance in North Port, Sarasota and Bradenton?
Penalties for driving without insurance in North Port-Sarasota-Bradenton are pretty steep.
First-time offenders can expect to pay a $150 reinstatement fee and see their license and registration suspended for up to three years or until they can show proof of insurance.
A second offense and subsequent offenses see higher reinstatement fees up to $500 if the lapse occurs within three years of the first offense. Additionally, drivers are expected to file an FR-44 certificate, which is similar to SR-22 insurance.
Also known as a Certificate of Financial Responsibility, this paperwork shows that you are meeting the state’s minimum insurance requirements as proof of responsibility. When a driver has committed several traffic violations, is convicted of a DUI or DWI, or causes an accident while uninsured, then Florida may request an FR-44 certificate to be filed.
Other Insurance Options we Offer
At Freeway Insurance, we understand the importance of protecting your assets, which is why we offer a range of insurance options beyond car insurance. Our offerings include flood insurance to protect against water damage, renters insurance for those living in rental properties, homeowners insurance for those who own a home, and condo insurance for those who own a condo. Regardless of your insurance needs, our team is dedicated to finding the best coverage options to fit your unique situation and budget.
Additionally, at Freeway Insurance, our commitment to providing the best customer service is unwavering. Our team of knowledgeable insurance experts is always available to assist you with any questions or concerns you may have. We understand that choosing the right insurance policy can be overwhelming, which is why our staff is fully equipped with the expertise to guide you towards the coverage that best fits your needs.
Get a Quote for Cheap Auto Insurance in North Port, Sarasota and Bradenton Today!
The North Port, Sarasota and Bradenton MSA require car insurance to drive on state roads. Any lapse in car insurance can result in high fines and administrative costs. Protect yourself and your family by getting the proper car insurance coverage.
Freeway Insurance is ready to help North Port, Sarasota and Bradenton residents find the right insurance policy. Our dedicated team of professional agents is here to assist our clients in finding the coverage that fits their needs and budget. Feel free to request more information, a quote online, visit us at a North Port, Sarasota or Bradenton office, or call (800) 777-5620.