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Cheapest car insurance in Key Largo, Florida (Jul 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Key Largo, 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
Key Largo Car Insurance: Quick Facts
  • Key Largo drivers pay an average of $254 per month for minimum coverage
  • Key Largo drivers pay an average of $311 per month for full coverage
  • The average rate of car insurance in Key Largo is much higher than the national average, but comparable to state averages (at least for full-coverage policies)
  • Florida minimum car insurance requirements include at least $10,000 of property damage liability coverage and $10,000 of personal injury protection

How to find the cheapest car insurance in Key Largo

Stunning coral reefs, beautiful beaches, and balmy breezes—there’s no shortage of things to see in Key Largo,
Florida
, but you might have trouble finding
cheap car insurance
. Thanks to the area’s high cost of living and the frequency of natural disasters, the average cost of car insurance in the Key is much higher than the state and national average.
Comparing quotes is essential for finding the cheapest rates, but there are more than 45 companies in the state.
Jerry
automatically compares and shows you the five to seven cheapest auto insurance quotes in Key Largo to cut down on shopping time.
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$107
Eddie, 35
Zip: 33037
Nissan Versa Note S
• No Coverage Liability
National General
$143
Norman, 67
Zip: 33037
Nissan Versa S
• State Minimum Liability
• Comp / Collision
Gainsco
$167
Christina, 27
Zip: 33037
Chevrolet Silverado C1500
• State Minimum Liability
Bristol West
$134
Brett, 25
Zip: 33037
Jeep Grand Cherokee Laredo
• No Coverage Liability
coverageLast Updated Jul 12, 2024

Cheapest Key Largo 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 Key Largo 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 Key Largo

Looking for the cheapest car insurance rates in Key Largo? 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 Key Largo
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 Key Largo 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.
Lower my car insurance too!

Best cheap car insurance quotes in Key Largo

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 Key Largo

You need both PIP and PDL to drive in Key Largo 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 Key Largo.
card cover
Gainsco
Virgie (27 years old)
coverageCoverage
State Minimum
locationKey Largo, FL
(Zip Code: 33037)
carChevrolet Silverado C1500
$167
per month
card cover
Norman (67 years old)
coverageCoverage
State Minimum
locationKey Largo, FL
(Zip Code: 33037)
$143
per month

Do you need more than minimum coverage in Key Largo?

The state's minimum liability coverage is insufficient for most Key Largo 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 liability coverage with higher limits for greater financial protection in case of an at-fault accident.

Cheap full coverage car insurance quotes in Key Largo

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
$154
Mitchell, 27
Zip: 33037
Chevrolet Silverado C1500
• 50,000/100,000 Liability
• Comp / Collision
Safeco
$190
Pearl, 30
Zip: 33037
Mercedes-Benz C 63 AMG
• State Minimum Liability
• Comp / Collision
National General
$143
Norman, 67
Zip: 33037
Nissan Versa S
• 100,000/300,000 Liability
• Comp / Collision
Mercury
$181
Florence, 39
Zip: 33037
KIA Sorento EX
coverageLast Updated Jul 9, 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 Key Largo

Based on our experience working with thousands of Key Largo insurance policyholders, minimum liability coverage costs an average of $150 per month or $1,800 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 Key Largo can give you an idea of the cost, the full price of your policy could vary by hundreds of dollars.

Car insurance quotes in Key Largo 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 Key Largo 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 Key Largo?

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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 Key Largo:

Cheap car insurance quotes in Key Largo 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 Key Largo, it’s not impossible. 

Cheapest car insurance in Key Largo 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 Key Largo even after a DUI conviction.
card cover
Lura (30 years old)
coverageCoverage
State Minimum
locationKey Largo, FL
(Zip Code: 33037)
$61
per month
card cover
Elizabeth (31 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationKey Largo, FL
(Zip Code: 33037)
$82
per month

Cheapest car insurance in Key Largo 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 Key Largo 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 No Injury
Progressive
$154
Harvey, 27
Zip: 33037
Chevrolet Silverado C1500
• No Coverage Liability
• Comp / Collision
Not At Fault
Safeco
$190
Fred, 30
Zip: 33037
Mercedes-Benz C 63 AMG
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Gainsco
$167
Lily, 27
Zip: 33037
Chevrolet Silverado C1500
• State Minimum Liability
coverageLast Updated Jul 12, 2024

Cheapest car insurance in Key Largo 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 Key Largo, 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 Yield
Progressive
$210
Birdie, 25
Zip: 33037
Chevrolet Trax 1LT
• 100,000/300,000 Liability
• Comp / Collision
Careless Driving
Travelers
$201
Susan, 39
Zip: 33037
KIA Sorento EX
• 100,000/300,000 Liability
• Comp / Collision
Failure to Yield
Progressive
$210
Olive, 25
Zip: 33037
Chevrolet Trax 1LT
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Jul 14, 2024

Cheap car insurance quotes in Key Largo 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 Key Largo for young drivers

In Key Largo, 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
Landon (24 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
locationKey Largo, FL
(Zip Code: 33037)
$80
per month
card cover
Lily (21 years old)
coverageCoverage
State Minimum
locationKey Largo, FL
(Zip Code: 33037)
$81
per month

Cheapest car insurance in Key Largo 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
Ethel (72 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationKey Largo, FL
(Zip Code: 33037)
$91
per month
card cover
Norman (67 years old)
coverageCoverage
State Minimum
locationKey Largo, FL
(Zip Code: 33037)
$143
per month

Cheap car insurance quotes in Key Largo 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 Key Largo who are currently uninsured or have had a lapse in coverage find affordable insurance options.
card cover
Raymond (18 years old)
coverageCoverage
State Minimum
$63
per month
card cover
Lenora (20 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$67
per month

Cheap car insurance quotes in Key Largo 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. Key Largo 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 Key Largo 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
660 - 750
Progressive
$154
Isabelle, 27
Zip: 33037
Chevrolet Silverado C1500
• No Coverage Liability
• Comp / Collision
660 - 750
Bristol West
$134
Maggie, 25
Zip: 33037
Jeep Grand Cherokee Laredo
• No Coverage Liability
550 - 659
Bristol West
$141
Justin, 35
Zip: 33037
Nissan Versa Note S
• No Coverage Liability
coverageLast Updated Jul 10, 2024

How to lower car insurance costs in Key Largo

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

How much is car insurance in Key Largo?

People living in Key Largo pay on average $150 per month – or $1,800 per year – on state-minimum liability coverage. Full coverage in Key Largo costs on average $154 per month or $1,848 per year. 
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.

What is the cheapest car insurance in Key Largo?

Based on thousands of Key Largo drivers Jerry has worked with, car insurance in Key Largo costs an average of $150 per month for state-minimum coverage and $154 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!  

What is the best car insurance in Key Largo?

Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Progressive, Arrowhead, and AmWINS receive good ratings from Key Largo drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.

What is the minimum car insurance Key Largo, Florida?

The state-minimum car insurance in Key LargoFlorida is $10,000 of personal injury protection coverage and $10,000 of property damage liability coverage.

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 a non-fiction writer specializing in comprehensive content that's accessible to beginners, experts, and everyone in between. Since joining the Jerry team, Jasmine has penned over 300 articles on car insurance requirements, driving tips, and car maintenance.
Prior to joining Jerry, Jasmine worked as a graphic designer, storyboard artist, and French customer service representative. She enjoys collecting hobbies and babysitting ducks in her spare time.
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.