Sarasota Car Insurance
Find the right car insurance policy for you.
Written by
Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.
Sarasota is one of Florida’s most loved Gulf Coast cities and is home to the famous Ringling Circus Museum. This beautiful city not only offers beautiful beaches but also has a thriving theater and art district. You can be sure Sarasota, FL is a hot spot for thousands of annual tourists, which creates a good amount of traffic and busy roads for the local drivers.
Make sure you’re prepared with the best Sarasota car insurance. Our Independent Insurance Agents will guide Sarasota drivers through the process of finding affordable car insurance. Our agents will assist new drivers, as well as seasoned drivers, in the search for reliable coverage that is budget-friendly.
- National average cost per year: $1,311
- Florida average cost per year: $1,742
- #5 most expensive auto premium in the U.S.
The Sunshine State carries with it high insurance rates when compared with the national average. Don’t give up hope yet to find affordable Sarasota auto insurance. Some factors that may affect your premium include your age, your car's make and model, and your driving record. Our agents can assist you in finding significant savings on your annual premiums. They will match you with discounts for safe driving, bundled coverages or security upgrades.
Our reliable agents work hard to get the lowest rate for all of our customers. To be sure you get the best policy, our agents will give you multiple quotes on different policies so that you can compare the benefits and costs of each. This way when you select a car insurance policy, you will be sure it is right for you.
Florida Car Insurance Requirements
- Body injury liability: required
- Property damage reliability: required
- Personal injury protection (PIP): required
- Minimum liability limits: 10/20/10
Florida, like other states, requires you to have car insurance. Minimum coverage limits are $10,000 for individual injuries, $20,000 for total injuries in an accident and $10,000 for any resulting property damage. It is important to remember that if you have an accident, it may exceed the state-mandated minimum coverage limit. If this happens, you have to pay the difference out of your own pocket. Sarasota drivers have the option to buy additional coverage so that they are protected if they ever find themselves in this situation.
Save on Car Insurance
Our independent agents shop around to find you the best coverage.
Number of Uninsured Motorists in Florida
- Number of uninsured U.S. drivers: 12.6%
- Number of uninsured Florida drivers: 23.8%
Despite the fact that Florida requires you to have auto insurance, studies show that nearly one-fourth of drivers remain uninsured. If you get into an accident and the other driver is uninsured, you are responsible for repairing your own car. The best way to avoid this situation is by choosing a car insurance policy that includes coverage for accidents involving uninsured motorists.
Number of Auto Thefts in Florida
- National number of thefts for 1,000 vehicles: 2.94
- Number of thefts for 1,000 vehicles in Florida: 2.48
In a small, friendly community like Sarasota, auto theft seems unlikely. Unfortunately, auto theft happens in every city. When shopping for car insurance in Sarasota, make sure you choose a policy that includes coverage for car theft. If you are the victim of car theft, you can have the peace of mind that your car will be replaced as soon as you file a claim with your insurance without having to wait for the police to find your missing vehicle.
Find a Great Sarasota Car Insurance Policy
Sarasota drivers can’t afford to take chances when it comes to car insurance, but finding the best policy can be an overwhelming task. Our independent insurance agents will help simplify the process by offering individual support along the way. Our agents will answer your questions, explain your coverage options and help you design a customized auto insurance policy that will offer maximum protection at a minimal price.
Contact an agent today to get a free rate quote on Sarasota auto insurance.