Cheapest Car Insurance Quotes in Sarasota

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Sarasota Car Insurance

^$ 54

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Sarasota

The car insurance rate in Sarasota is $1463 for a six-month policy, which is $162 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $871, making it a popular choice for budget-conscious drivers. Rates in Sarasota can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Sarasota

$1463

Avg. Car Insurance in Florida

$1625

National Average

$1278

Cheapest Car Insurance Companies in Sarasota

1st place: Travelers

At $871 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: State Farm

State Farm offers auto insurance rates at $973 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1064 for six months, making it the third cheapest auto insurance company in Sarasota.

Sarasota Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Sarasota, FL is Travelers, offering policies at just $871 for a six-month term. This is followed by State Farm, which has an average six-month premium of $973.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2149 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sarasota drivers find the best deals.

Cheap Car Insurance Companies in Sarasota, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$871	$147
State Farm	$973	$164
Nationwide	$1064	$179
Progressive	$1128	$190
United Automobile Ins Group	$1229	$205
UAIC	$1347	$230
Allstate	$2197	$366
Mercury	$2320	$394
MetLife	$1353	$230
Farmers	$2149	$358

Key Takeaways

Way's key takeaways about car insurance in Sarasota

The auto insurance costs in Sarasota fall around $871 for six months.
The cheapest auto insurance company in Sarasota is Travelers.
Teen drivers pay the highest rate in Sarasota at $1243 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Sarasota

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Sarasota are given below.

Travelers provides the cheapest minimum car insurance coverage in Sarasota. Their Average 6 Month Premium is $320. Farmers is the most expensive at $593 for the same period.

Cheapest Liability Coverage in Sarasota, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$320	$54
State Farm	$347	$59
Mercury	$385	$65
Nationwide	$428	$73
MetLife	$449	$75
AIG	$502	$86
Progressive	$631	$106
United Automobile Ins Group	$647	$110
UAIC	$700	$117
Allstate	$802	$135
Patrons Insurance	$113	$19
Farmers	$593	$99

Cheapest Full Coverage Car Insurance in Sarasota

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Sarasota is Travelers at $147 per month and $871 for six months.

Cheapest Full Coverage Car Insurance Quotes in Sarasota, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$871	$147
State Farm	$973	$164
Nationwide	$1064	$179
Progressive	$1128	$190
United Automobile Ins Group	$1229	$205
UAIC	$1347	$230
Allstate	$2197	$366
Mercury	$2320	$394
MetLife	$1353	$230
Farmers	$2149	$358

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Average Car Insurance in Sarasota by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Sarasota, FL increasing?

Despite maintaining a clean driving record, your car insurance rates in Sarasota, Florida, may be increasing due to several external factors. Florida has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Sarasota's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Sarasota

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Sarasota,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Sarasota at $81 per month. At $7308 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$487	$81
AIG	$658	$112
Travelers	$1433	$241
State Farm	$1722	$290
UAIC	$2293	$386
United Automobile Ins Group	$3031	$516
Allstate	$3742	$630
Progressive	$4817	$811
Mercury	$5699	$959
Farmers	$7308	$1243

Teen Car Insurance Rates in FL by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Sarasota, Nationwide is the cheapest car insurance provider. At $582 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Sarasota is Farmers, offering rates of around $2973 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$582	$99
Mercury	$636	$106
Direct General Insurance	$663	$113
UAIC	$1289	$215
Travelers	$1411	$238
Progressive	$2480	$413
Allstate	$4352	$740
State Farm	$4453	$743
Farmers	$2973	$506

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Car Insurance Rates with An Accident in Sarasota

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Sarasota, FL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Sarasota

The cheapest car insurance companies after an at-fault accident in Sarasota include Nationwide and AIG, offering $615 and $786, respectively. Farmers is an expensive provider with an average six-month premium of $2999.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$615	$103
AIG	$786	$133
State Farm	$914	$154
Travelers	$931	$157
United Automobile Ins Group	$1598	$266
Mercury	$1652	$278
UAIC	$1673	$279
Progressive	$2192	$369
Allstate	$3902	$657
Farmers	$2999	$500

Sarasota Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Sarasota FL. For example, the car insurance in Sarasota after a DUI increases to $844 for a six month policy. While the rate increases by $256 for a six-month policy in the case of a speeding ticket.

Sarasota auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1642	$274
One Med/PIP claim	$1642	$279
Not-at-fault accident	$1775	$296
Two Med/PIP claims	$1823	$310
One comp claim	$1850	$309
Child safety restraint	$1855	$315
Failure to wear a seat belt	$1855	$310
Driving without lights	$1860	$316
Failure to show documents	$1860	$311
Speeding 6 - 10 MPH over limit	$1898	$323
Improper passing	$1904	$317
Passing school bus	$1904	$324
Wrong way/wrong lane	$1904	$317
Failure to stop at a red light	$1909	$325
Failure to yield	$1909	$318
Illegal turn	$1909	$325
Cell phone violation	$1914	$319
Driving with expired registration	$1914	$326
Following too closely	$1914	$319
Texting while driving	$1919	$327
Two comp claims	$1962	$327
Driving too slowly	$1973	$336
Speeding in school zone	$1973	$329
Speeding 11 - 15 MPH over limit	$1978	$337
In 65 MPH zone	$2048	$341
Speeding 16 - 20 MPH over limit	$2048	$348
Speeding 21 - 25 MPH over limit	$2058	$343
Open container	$2080	$354
Operating a vehicle without permission	$2080	$347
At-fault accident - less than $1000	$2256	$383
At-fault accident - $1000-$2000	$2293	$383
At-fault accident - greater than $2000	$2293	$390
Racing	$2480	$413
DUI	$2486	$423
Refusal to submit to a chemical test	$2486	$414
Driving with a suspended license	$2529	$430
Reckless driving	$2582	$430
Leaving scene of an accident/hit and run	$2609	$444

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Sarasota after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Sarasota.

The cheapest car insurance premiums in Sarasota are offered by AIG at $578 for a six-month policy. However, it can be as expensive as $2444 with companies like Farmers.

Sarasota car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$578	$98
Travelers	$946	$159
Progressive	$1085	$183
State Farm	$1304	$220
Allstate	$1764	$297
UAIC	$2267	$378
Farmers	$2444	$407

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Sarasota are offered by Nationwide at $502. However, it can be as expensive as $2609 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Sarasota after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$502	$84
State Farm	$636	$107
Travelers	$722	$122
Allstate	$1893	$319
UAIC	$2069	$345
Progressive	$2534	$431
Farmers	$2609	$444

Car Insurance Price Trends in Sarasota, Florida

Car insurance rates in Sarasota have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Sarasota dipped by $230 in January compared to $248 of December. In other words, there has been an decrease by $18 when you compare January and December.

The average cost of liability insurance in the Sarasota dipped to $75 in January, compared to $76 in December. This represents an decrease of $1 when comparing January and December.

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Average Car Insurance Cost in Sarasota by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Sarasota. At $1623 for a six-month policy, insuring your car at 34231 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
34231	$1623	$272
34242	$1491	$250
34241	$1550	$260
34240	$1521	$255
34239	$1550	$260
34238	$1564	$262
34237	$1564	$262
34236	$1535	$257
34235	$1550	$260
34234	$1579	$265
34233	$1550	$260
34232	$1652	$277
34243	$1638	$275

Frequently Asked Questions

How much is car insurance in Sarasota?

The car insurance in Sarasota is $54 per month, which is lower than the national average.

What is the cheapest car insurance in Sarasota?

The cheapest car insurance in Sarasota is $147 per month for full coverage.

How much is car insurance in Sarasota for teenagers?

Car insurance for teenagers costs $487 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Sarasota?

The average cost of car insurance is $1625 for a six-month policy. It will cost around $246 per month to insure your car in Sarasota.

Is car insurance expensive in Sarasota?

Car insurance can be expensive in Sarasota if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Sarasota can be affordable.

Cheapest Car Insurance Quotes in Sarasota

Why you can trust Way?

How Much Is Car Insurance in Sarasota

Avg. Car Insurance in Sarasota

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Sarasota

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Sarasota Car Insurance Rates by Company

Cheap Car Insurance Companies in Sarasota, FL

Way's key takeaways about car insurance in Sarasota

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Sarasota

Cheapest Liability Coverage in Sarasota, FL

Cheapest Full Coverage Car Insurance in Sarasota

Cheapest Full Coverage Car Insurance Quotes in Sarasota, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Sarasota by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Sarasota, FL increasing?

Car Insurance Premiums by Age in Sarasota

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Sarasota,FL

If you are in your twenties N/A is the best choice for car insurance in Sarasota.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Sarasota

Cheapest Car Insurance Companies after an At-Fault Accident in Sarasota

Sarasota Car Insurance Rates by Violation

Sarasota auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Sarasota after a DUI

Sarasota car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Sarasota after Speeding ticket

Car Insurance Price Trends in Sarasota, Florida

Average Car Insurance Cost in Sarasota by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Sarasota, FL

Car Insurance Rates by State in the USA (2025 Update)

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