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Cheapest car insurance in Vero Beach, Florida (Mar 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Vero Beach, 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 Kianna Walpole, Expert Insurance Writer & Editor

How to find the cheapest car insurance in Vero Beach

On average, car insurance in Vero Beach costs about $90 per month for minimum coverage liability insurance, and about $154 per month for full coverage insurance. Vero Beach drivers pay 4% less 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 Vero Beach quick and hassle-free! 
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$200
Vincent, 31
Zip: 32962
Toyota Corolla LE
• No Coverage Liability
• Comp / Collision
Nationwide
$144
Elijah, 28
Zip: 32967
Lexus IS 300
• 30,000/60,000 Liability
• Comp / Collision
Travelers
$117
Katharine, 40
Zip: 32967
KIA Sorento L
• 100,000/300,000 Liability
• Comp / Collision
Safeco
$118
Rosalie, 66
Zip: 32968
BMW X5 sDrive 40i
• 100,000/300,000 Liability
• Comp / Collision
Mercury
$348
Jesus, 51
Zip: 32960
Toyota Corolla
• 100,000/300,000 Liability
coverageLast Updated Mar 27, 2024

Cheapest Vero Beach 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 Vero Beach 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 Vero Beach

Looking for the cheapest car insurance rates in Vero Beach? 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 Vero Beach
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 Vero Beach 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 Vero Beach

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 Vero Beach

You need both PIP and PDL to drive in Vero Beach 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 Vero Beach.
card cover
Lily (42 years old)
coverageCoverage
State Minimum
locationVero Beach, FL
(Zip Code: 32962)
carHonda CR-V EX
$130
per month
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Alvin (29 years old)
coverageCoverage
State Minimum
locationVero Beach, FL
(Zip Code: 32968)
$185
per month
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Callie (50 years old)
coverageCoverage
State Minimum
locationVero Beach, FL
(Zip Code: 32967)
$104
per month
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Lucinda (22 years old)
coverageCoverage
State Minimum
locationVero Beach, FL
(Zip Code: 32967)
$196
per month
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Charlie (43 years old)
coverageCoverage
State Minimum
locationVero Beach, FL
(Zip Code: 32960)
carFord F150 Supercrew
$95
per month

Do you need more than minimum coverage in Vero Beach?

The state's minimum liability coverage is insufficient for most Vero Beach 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 Vero Beach

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
$200
Vincent, 31
Zip: 32962
Toyota Corolla LE
• 30,000/60,000 Liability
• Comp / Collision
Nationwide
$144
Elijah, 28
Zip: 32967
Lexus IS 300
• 100,000/300,000 Liability
• Comp / Collision
Travelers
$117
Katharine, 40
Zip: 32967
KIA Sorento L
• 100,000/300,000 Liability
• Comp / Collision
Safeco
$118
Rosalie, 66
Zip: 32968
BMW X5 sDrive 40i
• State Minimum Liability
• Comp / Collision
Bristol West
$239
Marguerite, 35
Zip: 32960
Chevrolet Traverse LT
coverageLast Updated Mar 26, 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 Vero Beach

Based on our experience working with thousands of Vero Beach insurance policyholders, minimum liability coverage costs an average of $90 per month or $1,083 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 Vero Beach 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 Vero Beach 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 Vero Beach.
Zip CodeAverage State Minimum Coverage RateAverage Full Coverage Rate
32960
$96
$212
32962
$127
$184
32966
$94
$183
32967
$102
$262
32968
$99
$143

Car insurance quotes in Vero Beach 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 Vero Beach 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 Vero Beach?

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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 Vero Beach:

Cheap car insurance quotes in Vero Beach 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 Vero Beach, it’s not impossible. 

Cheapest car insurance in Vero Beach 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 Vero Beach even after a DUI conviction.
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Minerva (36 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationVero Beach, FL
(Zip Code: 32960)
carBMW X5 sDrive35i
$157
per month

Cheapest car insurance in Vero Beach 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 Vero Beach 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
Dairyland
$62
Bruce, 51
Zip: 32966
BMW 328 i
• State Minimum Liability
At Fault With No Injury
Progressive
$131
Wayne, 46
Zip: 32966
Nissan Altima SR
• No Coverage Liability
• Comp / Collision
Not At Fault
Safeco
$225
Estelle, 45
Zip: 32960
KIA Sportage LX
• 100,000/300,000 Liability
• Comp / Collision
At Fault With No Injury
Gainsco
$101
Ian, 46
Zip: 32960
Acura 3.2TL
• No Coverage Liability
coverageLast Updated Mar 23, 2024

Cheapest car insurance in Vero Beach 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 Vero Beach, 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
Illegal Turn
Progressive
$87
Eleanor, 81
Zip: 32966
Acura MDX Technology
• 25,000/50,000 Liability
Defective Equipment
National General
$170
Teresa, 25
Zip: 32960
Volkswagen Jetta SE
• 15,000/30,000 Liability
• Comp / Collision
Failure to Obey Signal
Mercury
$200
Shane, 27
Zip: 32967
KIA RIO LX
• State Minimum Liability
• Comp / Collision
Careless Driving
Progressive
$174
Robert, 26
Zip: 32966
Buick Lesabre Custom
• State Minimum Liability
Driving on Sus. License
National General
$206
Jennie, 27
Zip: 32967
KIA RIO LX
• State Minimum Liability
• Comp / Collision
Failure to Obey Signal
Mercury
$200
Lelia, 27
Zip: 32967
KIA RIO LX
• State Minimum Liability
• Comp / Collision
coverageLast Updated Mar 26, 2024

Cheap car insurance quotes in Vero Beach 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 Vero Beach for young drivers

In Vero Beach, 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.
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Gerald (24 years old)
coverageCoverage
No Coverage
locationVero Beach, FL
(Zip Code: 32960)
$291
per month
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Lucinda (22 years old)
coverageCoverage
State Minimum
locationVero Beach, FL
(Zip Code: 32967)
$196
per month
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Leo (22 years old)
coverageCoverage
State Minimum
locationVero Beach, FL
(Zip Code: 32967)
$210
per month
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Olga (24 years old)
coverageCoverage
State Minimum
locationVero Beach, FL
(Zip Code: 32966)
$66
per month
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Kyle (24 years old)
coverageCoverage
locationVero Beach, FL
(Zip Code: 32962)
carBMW 528 i
$117
per month

Cheapest car insurance in Vero Beach 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
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Rosalie (72 years old)
coverageCoverage
No Coverage
locationVero Beach, FL
(Zip Code: 32962)
$89
per month
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Rosalie (66 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationVero Beach, FL
(Zip Code: 32968)
carBMW X5 sDrive 40i
$118
per month
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Verna (70 years old)
coverageCoverage
No Coverage
locationVero Beach, FL
(Zip Code: 32967)
carFord Fusion SEL
$241
per month

Cheap car insurance quotes in Vero Beach 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 Vero Beach who are currently uninsured or have had a lapse in coverage find affordable insurance options.
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Stella (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$191
per month
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Hallie (24 years old)
coverageCoverage
No Coverage
$291
per month
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Leo (22 years old)
coverageCoverage
State Minimum
$210
per month
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Rosetta (24 years old)
coverageCoverage
carBMW 528 i
$117
per month
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Dean (22 years old)
coverageCoverage
State Minimum
$196
per month
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Tony (24 years old)
coverageCoverage
State Minimum
$66
per month

Cheap car insurance quotes in Vero Beach 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. Vero Beach 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 Vero Beach 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
$64
Raymond, 37
Zip: 32960
Nissan Xterra OFF Road
• State Minimum Liability
660 - 750
Gainsco
$209
Leah, 45
Zip: 32968
Chevrolet Trax LS
• State Minimum Liability
• Comp / Collision
660 - 750
Bristol West
$472
Marguerite, 29
Zip: 32967
Lexus IS 300
• State Minimum Liability
• Comp / Collision
550 - 659
Progressive
$200
Edith, 31
Zip: 32962
Toyota Corolla LE
• No Coverage Liability
• Comp / Collision
< 550
National General
$102
Ruby, 72
Zip: 32962
Nissan Rogue Sport S
• No Coverage Liability
coverageLast Updated Mar 22, 2024

How to lower car insurance costs in Vero Beach

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 car insurance in Florida?

While your car insurance premiums are decided more by your driver profile than your choice of provider, drivers find
Assurance America
has the cheapest car insurance in Florida. Jerry surveyed hundreds of drivers in Florida, who gave AA a score of 4.7 out of 5.0 in the category of policy costs.

What’s the average cost of car insurance per month in Florida?

The average cost of car insurance is $243 per month in Florida. Minimum coverage insurance costs about $174 per month (or $2,090 per year) in the Sunshine State, while full coverage rates average about $312 per month (or $3,741 per year).

Why is Florida car insurance so high?

Florida has high car insurance rates due to its
no-fault insurance
laws, a large number of uninsured drivers, and an increasing frequency of severe weather conditions. Florida drivers can file a claim with their own insurance company, and because
one out of every five Florida drivers is uninsured
, insurers end up absorbing high costs that they pass onto consumers. Additionally,
the state has been experiencing more hurricanes and floods
, which further drives up the cost of comprehensive coverage.

Is California car insurance more expensive than Florida?

California car insurance isn’t more expensive than Florida—it’s the opposite! Car insurance in the Golden State costs an average of $787-$2,403 per year, compared to $2,090-$3,741 per year in the Sunshine State. In other words, it costs 55-165% less to insure your car in California.

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
Kianna Walpole
badge icon
Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
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.