Cheapest Car Insurance Quotes in Sarasota Springs

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Sarasota Springs Car Insurance

^$ 53

/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 Springs

The car insurance rate in Sarasota Springs is $1446 for a six-month policy, which is $179 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $862, making it a popular choice for budget-conscious drivers. Rates in Sarasota Springs 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 Springs

$1446

Avg. Car Insurance in Florida

$1625

National Average

$1278

Cheapest Car Insurance Companies in Sarasota Springs

1st place: Travelers

At $862 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 $962 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1052 for six months, making it the third cheapest auto insurance company in Sarasota Springs.

Sarasota Springs Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Sarasota Springs, FL is Travelers, offering policies at just $862 for a six-month term. This is followed by State Farm, which has an average six-month premium of $962.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2125 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sarasota Springs drivers find the best deals.

Cheap Car Insurance Companies in Sarasota Springs, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$862	$145
State Farm	$962	$162
Nationwide	$1052	$177
Progressive	$1115	$188
United Automobile Ins Group	$1216	$203
UAIC	$1332	$227
Allstate	$2172	$362
Mercury	$2294	$390
MetLife	$1338	$228
Farmers	$2125	$354

Key Takeaways

Way's key takeaways about car insurance in Sarasota Springs

The auto insurance costs in Sarasota Springs fall around $862 for six months.
The cheapest auto insurance company in Sarasota Springs is Travelers.
Teen drivers pay the highest rate in Sarasota Springs at $1229 per month.

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Cheapest Minimum Liability Car Insurance in Sarasota Springs

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 Springs are given below.

Travelers provides the cheapest minimum car insurance coverage in Sarasota Springs. Their Average 6 Month Premium is $317. Farmers is the most expensive at $587 for the same period.

Cheapest Liability Coverage in Sarasota Springs, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$317	$53
State Farm	$344	$58
Mercury	$381	$64
Nationwide	$423	$72
MetLife	$444	$74
AIG	$497	$85
Progressive	$624	$105
United Automobile Ins Group	$640	$109
UAIC	$692	$116
Allstate	$793	$134
Patrons Insurance	$111	$19
Farmers	$587	$98

Cheapest Full Coverage Car Insurance in Sarasota Springs

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 Springs is Travelers at $145 per month and $862 for six months.

Cheapest Full Coverage Car Insurance Quotes in Sarasota Springs, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$862	$145
State Farm	$962	$162
Nationwide	$1052	$177
Progressive	$1115	$188
United Automobile Ins Group	$1216	$203
UAIC	$1332	$227
Allstate	$2172	$362
Mercury	$2294	$390
MetLife	$1338	$228
Farmers	$2125	$354

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Average Car Insurance in Sarasota Springs 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 Springs, FL increasing?

Despite maintaining a clean driving record, your car insurance rates in Sarasota Springs, 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 Springs'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 Springs

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 Springs,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Sarasota Springs at $80 per month. At $7227 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$481	$80
AIG	$651	$110
Travelers	$1417	$239
State Farm	$1703	$287
UAIC	$2268	$382
United Automobile Ins Group	$2998	$510
Allstate	$3701	$623
Progressive	$4763	$802
Mercury	$5635	$949
Farmers	$7227	$1229

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 Springs, Nationwide is the cheapest car insurance provider. At $576 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 Springs is Farmers, offering rates of around $2940 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$576	$98
Mercury	$629	$105
Direct General Insurance	$656	$111
UAIC	$1274	$213
Travelers	$1396	$235
Progressive	$2453	$409
Allstate	$4303	$732
State Farm	$4404	$734
Farmers	$2940	$500

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Car Insurance Rates with An Accident in Sarasota Springs

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 Springs, FL, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Sarasota Springs include Nationwide and AIG, offering $608 and $777, respectively. Farmers is an expensive provider with an average six-month premium of $2965.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$608	$101
AIG	$777	$132
State Farm	$904	$152
Travelers	$920	$155
United Automobile Ins Group	$1581	$263
Mercury	$1633	$275
UAIC	$1655	$276
Progressive	$2167	$365
Allstate	$3859	$650
Farmers	$2965	$494

Sarasota Springs Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Sarasota Springs FL. For example, the car insurance in Sarasota Springs after a DUI increases to $835 for a six month policy. While the rate increases by $254 for a six-month policy in the case of a speeding ticket.

Sarasota Springs auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1623	$271
One Med/PIP claim	$1623	$276
Not-at-fault accident	$1755	$293
Two Med/PIP claims	$1803	$306
One comp claim	$1829	$305
Child safety restraint	$1834	$312
Failure to wear a seat belt	$1834	$306
Driving without lights	$1840	$312
Failure to show documents	$1840	$307
Speeding 6 - 10 MPH over limit	$1877	$320
Improper passing	$1882	$313
Passing school bus	$1882	$320
Wrong way/wrong lane	$1882	$313
Failure to stop at a red light	$1888	$321
Failure to yield	$1888	$314
Illegal turn	$1888	$321
Cell phone violation	$1893	$315
Driving with expired registration	$1893	$322
Following too closely	$1893	$315
Texting while driving	$1897	$323
Two comp claims	$1940	$323
Driving too slowly	$1951	$332
Speeding in school zone	$1951	$325
Speeding 11 - 15 MPH over limit	$1956	$333
In 65 MPH zone	$2025	$337
Speeding 16 - 20 MPH over limit	$2025	$344
Speeding 21 - 25 MPH over limit	$2035	$339
Open container	$2057	$350
Operating a vehicle without permission	$2057	$343
At-fault accident - less than $1000	$2231	$379
At-fault accident - $1000-$2000	$2268	$378
At-fault accident - greater than $2000	$2268	$385
Racing	$2453	$409
DUI	$2458	$418
Refusal to submit to a chemical test	$2458	$409
Driving with a suspended license	$2501	$425
Reckless driving	$2553	$425
Leaving scene of an accident/hit and run	$2580	$439

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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 Springs 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 Springs.

The cheapest car insurance premiums in Sarasota Springs are offered by AIG at $571 for a six-month policy. However, it can be as expensive as $2416 with companies like Farmers.

Sarasota Springs car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$571	$97
Travelers	$935	$158
Progressive	$1073	$181
State Farm	$1290	$217
Allstate	$1744	$294
UAIC	$2242	$374
Farmers	$2416	$402

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 Springs are offered by Nationwide at $497. However, it can be as expensive as $2580 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Sarasota Springs after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$497	$83
State Farm	$629	$106
Travelers	$714	$120
Allstate	$1872	$315
UAIC	$2046	$341
Progressive	$2506	$426
Farmers	$2580	$439

Car Insurance Price Trends in Sarasota Springs, Florida

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

The average cost of full coverage in the Sarasota Springs dipped by $228 in January compared to $246 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 Springs dipped to $74 in January, compared to $75 in December. This represents an decrease of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Sarasota Springs?

The car insurance in Sarasota Springs is $53 per month, which is lower than the national average.

What is the cheapest car insurance in Sarasota Springs?

The cheapest car insurance in Sarasota Springs is $145 per month for full coverage.

How much is car insurance in Sarasota Springs for teenagers?

Car insurance for teenagers costs $481 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 Springs?

The average cost of car insurance is $1625 for a six-month policy. It will cost around $243 per month to insure your car in Sarasota Springs.

Is car insurance expensive in Sarasota Springs?

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

Cheapest Car Insurance Quotes in Sarasota Springs

Why you can trust Way?

How Much Is Car Insurance in Sarasota Springs

Avg. Car Insurance in Sarasota Springs

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Sarasota Springs

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Sarasota Springs Car Insurance Rates by Company

Cheap Car Insurance Companies in Sarasota Springs, FL

Way's key takeaways about car insurance in Sarasota Springs

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Sarasota Springs

Cheapest Liability Coverage in Sarasota Springs, FL

Cheapest Full Coverage Car Insurance in Sarasota Springs

Cheapest Full Coverage Car Insurance Quotes in Sarasota Springs, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Sarasota Springs by Rating Factor

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

Car Insurance Premiums by Age in Sarasota Springs

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Sarasota Springs,FL

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

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 Springs

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

Sarasota Springs Car Insurance Rates by Violation

Sarasota Springs auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Sarasota Springs after a DUI

Sarasota Springs car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Sarasota Springs after Speeding ticket

Car Insurance Price Trends in Sarasota Springs, Florida

Average Car Insurance Cost in Sarasota Springs by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Sarasota Springs, FL

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

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