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Cheap Car Insurance in North Port-Sarasota-Bradenton, FL.

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The Sarasota metropolitan statistical area consisting of North Port-Sarasota-Bradenton is located on the western coast of Florida. This southern gem boasts all types of natural and cultural opportunities. It is home to diverse topography, including 90+ miles of freshwater canals, the developed Myakka State Forest, and too many natural springs to count. Nearby Charlotte Harbor and Boca Grande Pass provide tons of opportunities in the fishing realm, popular with tarpon and saltwater fishing.

This MSA is a huge draw for tourism and its five largest cities are North Port, Bradenton, Sarasota, Venice and Palmetto. Besides the lure of surf and sand, visitors and residents alike have multiple state parks, museums and entertainment at their fingertips.

Quick Facts

  • The average cost of car insurance in North Port is $1,776 for full coverage and $708 for the state minimum per year.
  • In 2019, there were six fatal car accidents in North Port, 10 fatal car accidents in Sarasota, and three fatal accidents in Bradenton.

How Much Does Car Insurance Cost in North Port-Sarasota-Bradenton?

On average, Florida car insurance in North Port-Sarasota-Bradenton costs 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 average of $2,364. The state-required minimum car insurance coverage is quite a bit cheaper, averaging $708 per year.

Your exact Florida car insurance depends on dozens of factors, including but not limited to your age, gender, claims history, and the make and model of the vehicle you drive.

Full coverage car insurance offers multiple layers of protection for you and your property in the event of a crash or other incident, such as vandalism or theft. Since Florida is a no-fault state, the state-required minimum covers your injuries and damages up to your policy limits no matter who caused an accident.

Because medical bills, loss of work and other concerns often cost more than the state-required minimum, it is smart to be sure you have the appropriate car insurance coverage.

All North Port-Sarasota-Bradenton drivers need to have car insurance. Even a single lapsed day of coverage can cause your insurance provider to notify the state, followed by fines and fees.

North Port-Sarasota-Bradenton Affordable Car Insurance Rates by Zip Code

Zip code is one of the factors in determining auto insurance rates. Some zip codes have a higher incidence of theft, vandalism, and natural disasters than other zip codes, resulting in a higher risk profile and higher rates.

Here are the average monthly rates for a sampling of North Port-Sarasota-Bradenton zip codes:

Zip Code Average Monthly Car Insurance Rate for Full Coverage/State Minimum
34201 $170/$66
34202 $169/$66
34203 $166/$67
34205 $183/$71
34207 $184/$71
34208 $182/$71
34209 $171/$68
34210 $175/$70
34211 $166/$66
34212 $169/$66
34231 $155/$61
34232 $156/$62
34233 $154/$61
34234 $158/$63
34235 $160/$62
34236 $158/$62
34237 $158/$63
34238 $155/$62
34239 $157/$62
34240 $163/$63
34241 $151/$59
34242 $155/$61
34243 $169/$65
34286 $148/$59
34287 $149/$59
34288 $150/$59
34289 $150/$59
34291 $149/$59

North Port-Sarasota-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-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
18 $560/$200
20 $337/$128
30 $166/$67
40 $163/$66
50 $151/$62
60 $146/$60
70 $158/$66

Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by state. 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-Bradenton

How Many Fatal Accidents Happen in North Port-Sarasota-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-Bradenton?

Infrastructure in North Port-Sarasota-Bradenton is constantly undergoing revision. In October 2021, the Florida Job Growth Grant Fund has 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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Minimum Car Insurance Requirements in North Port-Sarasota-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-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-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-Bradenton

North Port-Sarasota-Bradenton can save money on car insurance in many ways. One of them is to take advantage of discounts, which are separated into four key categories — 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:

  • Pink icon of a document with a checklist


  • Green icon of a military man


  • Money in hand icon

    Full premium payment up front

  • Graphic of a man driving a car

    Defensive driving course

  • Icon refund growth

    Improve credit score

  • Blue icon of a blue car

    Lower mileage (WFH)

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-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.

Get a Quote for Cheap Auto Insurance in North Port-Sarasota-Bradenton Today!

Sarasota, FL skyline at dawn

The North Port-Sarasota-Bradenton MSA requires car insurance to drive on state roads. Any lapse in car insurance can result in high fines and administrative costs.

Freeway Insurance is ready to help North Port-Sarasota-Bradenton residents find the right policy. Feel free to request a quote online, visit us at a North Port-Sarasota-Bradenton office, or call (800) 777-5620.