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Cheapest car insurance in Eustis, Florida (Apr 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Eustis, Florida.
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Jasmine Kanter
Expert Insurance Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Maria Cruz, Expert Insurance Writer & Editor

How to find the cheapest car insurance in Eustis

On average, car insurance in Eustis costs about $98 per month for minimum coverage liability insurance, and about $154 per month for full coverage insurance. Eustis drivers pay 6% more than the average rate in Florida.  
With hundreds of providers and thousands of
car insurance
products on the market, finding the right coverage—let alone the right price!—can be challenging.
Jerry
helps you compare quotes and makes finding
cheap car insurance in Florida
and Eustis quick and hassle-free! 
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$97
Rosalie, 34
Zip: 32726
Nissan Versa S
• No Coverage Liability
Travelers
$278
Ivan, 25
Zip: 32726
Chevrolet Silverado K2500 Heavy Duty LT
• 100,000/300,000 Liability
• Comp / Collision
Safeco
$234
Juan, 23
Zip: 32736
Jeep Patriot Sport
• 50,000/100,000 Liability
• Comp / Collision
Gainsco
$200
Lottie, 34
Zip: 32726
Chevrolet Cruze LS
• No Coverage Liability
coverageLast Updated Apr 16, 2024

Cheapest Eustis car insurance for good drivers

Insurance rates are calculated based on your driving record, age, zip code, past claims, and vehicle type. While the majority of these factors aren’t in your control—you can be a good driver and keep your driving record clean.
Good drivers in Eustis can save up to 40% on their insurance, and with Jerry's DriveShield™, you can track your driving and unlock discounts for safe driving habits. Discover how other drivers are using DriveShield™ to save on their insurance below.
Customer
Driving Score
Insurance Savings
Has Violations
Insurance Coverage
Jonas, 25
94
35%
No
  • State Minimum Liability
  • Minimum Coverage
Alejandra, 34
77
24%
No
  • 100/300
  • Comp/Collision
Jean, 44
85
29%
No
  • State Minimum Liability
  • Minimum Coverage
Michelle, 54
97
38%
No
  • State Minimum Liability
  • Minimum Coverage
Eric, 64
67
22%
No
  • State Minimum Liability
  • Comp/Collision

Best car insurance companies in Eustis

Looking for the cheapest car insurance rates in Eustis? Jerry conducted the largest insurance shopping survey in the nation to help figure it out.
State Farm
is often cited as the cheapest car insurance company in Florida, but some survey respondents reported that they were overcharged and their rates increased frequently. If you’re wondering who to trust among the big five in Eustis
GEICO
,
Progressive
,
Allstate
,
USAA
, and
Liberty Mutual
—here’s the truth: the most affordable insurance company is different for everyone.
You’ll need to compare rates from all of them, as well as providers like Assurance America and
Safeco
, before you can confidently name the best auto insurance provider for you. To get you started, here’s how survey respondents in Eustis rated the biggest companies on a scale of 0 to 5.
Insurance companyOverall ratingPriceClaims experienceCustomer service
Liberty Mutual
4.6
4.2
4.7
4.5
Progressive
4.2
3.7
3.6
4.4
State Farm
4
3.3
3.7
4
Geico
3.9
3.1
3.4
4
USAA
3.9
2
N/A
4
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
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Best cheap car insurance quotes in Eustis

Florida’s car insurance laws
oblige drivers to carry a minimum amount of
personal injury protection (PIP)
and
property damage liability (PDL)
to legally drive. 
PIP covers you and your passengers’ medical expenses (even if you were at fault), while PDL covers the cost of repairing or replacing any property you destroyed.
When it comes to car accidents, however, the minimum coverage is rarely enough to prevent at-fault drivers from huge out-of-pocket expense. 

Cheap minimum liability insurance quotes in Eustis

You need both PIP and PDL to drive in Eustis because Florida is a
no-fault state
. Your car insurance policy must include at least $10,000 of PIP coverage and $10,000 of PDL coverage. 
If you’re looking to pay the cheapest rates, you can stop reading here. Although sticking with the minimum coverage isn’t advised (more on that later), Jerry has helped many drivers find cheap, no-frills coverage in Eustis.
card cover
Viola (28 years old)
coverageCoverage
State Minimum
locationEustis, FL
(Zip Code: 32726)
$117
per month
card cover
Frances (25 years old)
coverageCoverage
State Minimum
locationEustis, FL
(Zip Code: 32736)
$104
per month
card cover
Gainsco
Johnny (25 years old)
coverageCoverage
State Minimum
locationEustis, FL
(Zip Code: 32726)
$199
per month
card cover
Gussie (30 years old)
coverageCoverage
State Minimum
locationEustis, FL
(Zip Code: 32726)
$130
per month

Do you need more than minimum coverage in Eustis?

The state's minimum liability coverage is insufficient for most Eustis drivers.
If you cause a serious injury to somebody else in {city}, their medical bills are likely to climb far past $10,000—and because Florida doesn’t require bodily injury liability car insurance, you could be at serious risk of a lawsuit if the other driver's PIP runs out. The same goes for PDL.
Florida’s car accident laws
allow drivers to file personal injury lawsuits up to four years after a crash, so having the right liability insurance is key. 
The bottom line: It's a good idea to consider liabilit y coverage with higher limits for greater financial protection in case of an at-fault accident.

Cheap full coverage car insurance quotes in Eustis

Full coverage car insurance
is essential for protecting yourself from the costs associated with repairing or replacing your car. It typically includes both
collision
and
comprehensive coverage
. Collision insurance pays for damages after an accident, while comprehensive insurance pays for damages after a vandalism, theft, or natural disaster.
Your lender will usually require collision and comprehensive coverage if you finance or lease your car. And even if your vehicle is paid off, you should carry full coverage if its value exceeds $3,000.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• No Coverage Liability
• Comp / Collision
Progressive
$201
Eddie, 24
Zip: 32726
Nissan Altima
• 100,000/300,000 Liability
• Comp / Collision
Mercury
$127
Devin, 41
Zip: 32726
Jeep Wrangler Unlimited Sport
• No Coverage Liability
• Comp / Collision
Bristol West
$180
Bessie, 24
Zip: 32736
Jeep Patriot Sport
• State Minimum Liability
• Comp / Collision
Assurance America
$310
Olive, 38
Zip: 32726
Ford F150 Supercrew
coverageLast Updated Apr 12, 2024
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry,
a top insurance agency
, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.

Average cost of car insurance in Eustis

Based on our experience working with thousands of Eustis insurance policyholders, minimum liability coverage costs an average of $98 per month or $1,175 per year, while full coverage insurance costs an average of $154 per month or $1,848 per year.
Note that the type of car you drive, your driving record, claim history, and demographics all play a role in how your insurance premiums are calculated. Although the average rates in Eustis can give you an idea of the cost, the full price of your policy could vary by hundreds of dollars.

Average cost of car insurance in Eustis by zip code

Your zip code tells your car insurance provider where to send your bills, but it also hints at how likely you are to make a claim. 
How? Some zip codes are “riskier” than others, either because of a high rate of congestion, crime, or car accidents (or all three). The drivers living in these neighborhoods tend to pay more than people in other parts of Eustis.
Zip CodeAverage State Minimum Coverage RateAverage Full Coverage Rate
32726
$172
$180
32736
$136
$186

Car insurance quotes in Eustis by rating factors 

Is car insurance calculated
at random? No, even if it seems like it. Here are the five factors that determine the rates you pay for Eustis car insurance:  
  • Driving record and claims history: A history of car accidents and traffic tickets may increase your insurance premiums.
  • Vehicle location: Some ZIP codes come with higher rates.
  • Vehicle type: Sports cars, luxury cars, and high-performance cars tend to have higher collision and comprehensive coverage rates.
  • Usage: If you use your car regularly for work, your annual premium may be higher than if you use it only occasionally for pleasure.
  • Credit score: Drivers with good credit typically pay lower insurance premiums than those with bad credit for the same coverage.

How do different factors impact your car insurance costs in Eustis?

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Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
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Prohibited (or effectively prohibited): Florida currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Eustis:

Cheap car insurance quotes in Eustis after driving violations

Your
Florida driving record
can significantly affect your car insurance rates. High-risk drivers receive proportionally higher insurance premiums. While a conviction for running a red light, committing a DUI, or
reckless driving in Florida
makes it harder to find an affordable rate in Eustis, it’s not impossible. 

Cheapest car insurance in Eustis after DUI

Committing a
DUI in Florida
can have a significant impact on your car insurance rates. Insurance companies often view DUI offenders as high-risk drivers, which can result in higher premiums.
If you have a DUI on your record, it's important to shop around and compare rates from multiple insurance companies to find the most affordable option. Jerry can help you find the best rates for auto insurance in Eustis even after a DUI conviction.
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Jean (32 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationEustis, FL
(Zip Code: 32726)
$64
per month
card cover
Ollie (30 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationEustis, FL
(Zip Code: 32726)
$60
per month

Cheapest car insurance in Eustis after an at-fault accident

Your driving record in Florida is one of the crucial factors that affect your car insurance rates. Insurance companies look at any past accidents where you were at fault to determine the level of risk you pose to your insurer.
If you have been involved in an at-fault accident in the recent past, your car insurance rates in Eustis could significantly increase when your policy is up for renewal. It is essential to shop around and compare rates from different insurers to find the cheapest auto insurance after an at-fault accident.
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With Injury
Progressive
$320
Betty, 29
Zip: 32726
Toyota Camry
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Safeco
$104
Floyd, 25
Zip: 32736
Ford Fiesta Titanium
• State Minimum Liability
• Comp / Collision
Not At Fault
Travelers
$278
Katie, 25
Zip: 32726
Chevrolet Silverado K2500 Heavy Duty LT
• 100,000/300,000 Liability
• Comp / Collision
At Fault With No Injury
Mercury
$250
Todd, 23
Zip: 32726
Ford Focus SE
• State Minimum Liability
• Comp / Collision
coverageLast Updated Apr 11, 2024

Cheapest car insurance in Eustis after other driving violations

Apart from speeding tickets and DUIs, there are several other violations that can lead to an increase in car insurance costs in Eustis, including careless driving, driving without a license, and reckless driving.
We’ve compiled a list of various other driving violations and how we helped drivers with these violations save on their car insurance.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Failure to Stop
Progressive
$274
Etta, 22
Zip: 32736
Chevrolet Colorado Z71
• No Coverage Liability
• Comp / Collision
Careless Driving
Progressive
$117
Winifred, 28
Zip: 32726
Toyota Camry L
• State Minimum Liability
• Comp / Collision
Driving on Sus. License
Bristol West
$118
Adrian, 47
Zip: 32726
KIA Forte EX
• No Coverage Liability
Failure to Obey Signal
National General
$193
Belle, 39
Zip: 32726
Toyota Scion XB
• No Coverage Liability
coverageLast Updated Apr 16, 2024

Cheap car insurance quotes in Eustis by age

Young drivers typically have limited driving experience and are therefore considered high-risk by insurance companies, resulting in high insurance rates. However, when drivers reach the age of 25, they may see a drop in their rates. 
On the other hand, drivers over the age of 75 may see an increase in their rates due to potential health issues and slower reflexes.

Cheapest car insurance in Eustis for young drivers

In Eustis, young drivers between the ages of 16 and 21 pay the highest insurance premiums of any age group. 
The best financial protection for young drivers is full-coverage car insurance, which provides coverage for all their mistakes while they learn the rules of the road. The cheapest car insurance for young drivers comes with a provider that offers good student or new driver discounts.
card cover
Eddie (24 years old)
coverageCoverage
No Coverage
locationEustis, FL
(Zip Code: 32726)
carNissan Altima
$201
per month
card cover
Juan (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationEustis, FL
(Zip Code: 32736)
$234
per month
card cover
Lenora (22 years old)
coverageCoverage
No Coverage
locationEustis, FL
(Zip Code: 32736)
$213
per month

Cheapest car insurance in Eustis for senior drivers

Similar to teenage drivers,
car insurance rates for senior drivers
are typically higher than the national average. Insurers consider senior drivers high-risk because:
  • Senior drivers have a higher likelihood of being involved in car accidents 
  • Accidents involving senior drivers typically result in more severe injuries and increased medical expenses
card cover
Steve (72 years old)
coverageCoverage
State Minimum
locationEustis, FL
(Zip Code: 32726)
$77
per month
card cover
Bernard (67 years old)
coverageCoverage
No Coverage
locationEustis, FL
(Zip Code: 32726)
carChrysler PT Cruiser Touring
$170
per month

Cheap car insurance quotes in Eustis based on insurance history

If you've had a car insurance lapse or you're currently uninsured, it can lead to higher car insurance rates.
To help our customers avoid a lapse in coverage and make payments on time, Jerry sends payment reminders to eligible customers when a payment is due or if they're late on their payments.
We've helped many customers in Eustis who are currently uninsured or have had a lapse in coverage find affordable insurance options.
card cover
Helena (22 years old)
coverageCoverage
State Minimum
carVolkswagen Jetta S
$191
per month
card cover
Allie (24 years old)
coverageCoverage
No Coverage
carNissan Altima
$201
per month
card cover
Lola (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$234
per month
card cover
Larry (22 years old)
$213
per month

Cheap car insurance quotes in Eustis for drivers with poor credit

While your credit rating doesn't necessarily reflect your driving ability, insurance companies have found a correlation between lower credit scores and higher claim filings. Eustis drivers with poor credit scores tend to face higher car insurance costs than those with good credit scores. 
If you have a credit score of 550 or less, Jerry partners with companies that provide insurance to Eustis drivers with poor credit, taking the stress out of comparison shopping.
Here’s how drivers with low credit scores saved with Jerry.
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
> 750
Progressive
$101
Barbara, 31
Zip: 32726
Mitsubishi Eclipse Cross ES
• No Coverage Liability
• Comp / Collision
660 - 750
Bristol West
$180
Jackson, 24
Zip: 32736
Jeep Patriot Sport
• No Coverage Liability
• Comp / Collision
660 - 750
National General
$99
Eugenia, 35
Zip: 32726
KIA Sportage LX
• No Coverage Liability
550 - 659
Travelers
$278
Emily, 25
Zip: 32726
Chevrolet Silverado K2500 Heavy Duty LT
• 100,000/300,000 Liability
• Comp / Collision
< 550
Bristol West
$125
Elva, 33
Zip: 32726
Chevrolet Cruze LS
• No Coverage Liability
coverageLast Updated Apr 12, 2024

How to lower car insurance costs in Eustis

1. Shop around and compare quotes

You can’t be 100% certain that you’ve found the best deal on auto insurance until you’ve compared it to the other products on the market. Experts recommend
shopping for car insurance quotes
from at least three different companies every six months.
Sounds like a huge chore—until you remember that Jerry makes the process lighting-fast! Get signed up in 45 seconds and compare five to seven quotes in less than a minute. It’s all the benefits of comparison shopping with none of the time commitment… and did we mention it’s free?

 2. Hunt for car insurance discounts

You can make an okay rate into a great one with the right
car insurance discount
. See if your provider offers a program for:
  • Good drivers. If you’ve held a
    clean driving record
    for at least three years, you’re due for some sweet discounts.
  • Installing a telematics device. Telematics devices track how far you drive, when you drive, and how you drive. If you brake often and hard, this isn’t the program for you. But if you’re a calm and mellow driver, you could reap a low rate as a reward!
  • Good students. Full-time high school and college students with a B average or better can translate their scholastic successes into savings.
  • Bundling insurance products.
    Bundle your car and home insurance
    and you could pay less for each of them.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

FAQ

Who has the cheapest auto insurance in Florida?

There isn’t one provider to offer the cheapest rates for every motorist. The reason why is that every driver is different, meaning their rates will be too. 
That being said, we discovered that among our policyholders in Florida, Nationwide ($38/month), State Auto ($46/month), and Metlife ($49/month) were some of the cheapest providers on average.

What’s the average cost of auto insurance in Florida?

The average cost of auto insurance in Florida is $174 per month ($2,088 per year) for minimum coverage and $312 per month ($3,744 per year) for full coverage. That’s higher than the national average rates on both accounts.

What’s the best car insurance for seniors in Eustis, Florida? 

We discovered that on average, seniors in Eustis can find some of the cheapest full coverage with companies like Mercury ($90/month), Travelers ($131/month), Metlife ($135/month), and Nationwide ($108/month). 
Eustis seniors interested in affordable minimum liability coverage can find it with providers like Mercury ($53/month), Metlife ($60/month), and Allstate ($77/month). 

What company has the cheapest car insurance?

There are plenty of recommendations out there, but no single company has the cheapest car insurance for every driver. There’s no standard way to calculate insurance rates (and no standard driver), so you have to compare multiple quotes to find the cheapest option.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

avatar
Jasmine Kanter
Jasmine Kanter is an insurance writer specializing in subjects relating to home ownership, car insurance requirements, and driving tips. Jasmine combines her background in communication and languages with a passion for writing to create straightforward, yet comprehensive content that’s accessible to car enthusiasts, beginners, and everyone in between. Since joining the Jerry team, Jasmine has penned nearly 300 articles covering subjects from how to save money on homeownership costs to roadside assistance service reviews.
Prior to joining Jerry, Jasmine worked as a storyboard analyst for Depanneur Films and a training assistant for Assistance Services Group.
avatar
Maria Cruz
badge icon
Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.