Best Englewood, Florida Auto Insurance in 2024 (Your Guide to the Top 10 Companies)
The top picks for the best Englewood, Florida auto insurance are State Farm, Geico, and Progressive with rates starting at $85 per month. These providers excel in affordability, coverage options, and customer satisfaction, making them top choices for drivers looking for cheap car insurance in Englewood, Florida.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
UPDATED: Oct 25, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 25, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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The top picks for the best Englewood, Florida auto insurance are State Farm, Geico, and Progressive. State Farm stands out as the top pick overall with rates starting at just $85 per month.
We’ll cover factors that affect auto insurance rates in Englewood, Florida, including driving record, credit, commute time, and more.
Our Top 10 Company Picks: Best Englewood, Florida Auto Insurance
Company Rank Bundling Discount A.M. Best Best For Jump to Pros/Cons
#1 30% B Reliable Coverage State Farm
#2 25% A++ Affordable Rates Geico
#3 20% A+ Flexible Options Progressive
#4 25% A+ Comprehensive Plans Allstate
#5 15% A Customer Service Farmers
#6 30% A++ Military Families USAA
#7 20% A Customizable Plans Liberty Mutual
#8 20% A+ Strong Network Nationwide
#9 25% A++ Versatile Options Travelers
#10 20% A+ Claims Satisfaction The Hartford
Before you buy Englewood, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Englewood, Florida auto insurance quotes.
- The cheapest auto insurance company in Englewood is State Farm
- Top Florida providers offer extensive discounts and reliable coverage
- The average insurance rate in Englewood is only $85 per month
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#1 – State Farm: Top Overall Pick
Pros
- Affordable Rates: State Farm offers some of the lowest starting rates in Englewood, making it a top choice for budget-conscious drivers seeking the best Englewood, Florida auto insurance. Additionally, they provide reliable coverage, ranking #1 overall in the area.
- Personalized Service: State Farm offers a network of local agents, ensuring that customers receive service and support tailored to their needs. This extensive agent network enhances accessibility and helps clients find the assistance they need, making it a strong contender for the best auto insurance in Englewood, Florida.
- Comprehensive Coverage Options: Offers a wide range of coverage types, including collision, comprehensive, and liability. Customers can also benefit from a bundling discount of up to 30%, making it a strong contender for the best Englewood, Florida auto insurance.
Cons
- Limited Discounts: Compared to some competitors, State Farm may offer fewer discounts, which could impact overall savings. This might be a downside for those seeking maximum savings through the best Englewood, Florida auto insurance options. Read more through our State Farm auto insurance review.
- Average Digital Experience: While functional, the State Farm mobile app and website may lack some of the advanced features offered by other insurers. Tech-savvy users might find the digital tools less impressive compared to other options for the best Englewood, Florida auto insurance.
#2 – Geico: Best for Affordable Rates
Pros
- Highly Competitive Rates: Known for offering some of the lowest premiums, especially for good drivers. Geico is ranked #2 in Englewood for its affordability, making it a prime candidate for the best Englewood, Florida auto insurance.
- Strong Digital Tools: Geico’s mobile app is one of the best in the industry, providing easy policy management and claims filing. The A++ rating from A.M. Best reflects its superior financial stability, reinforcing its position as a top choice for the best Englewood, Florida auto insurance.
- Wide Range of Discounts: Offers numerous discounts, including those for military personnel, good students, and multi-policy holders. Geico also provides a bundling discount of up to 25%, enhancing its reputation for the best Englewood, Florida auto insurance. Find out more in our Geico auto insurance review.
Cons
- Limited Local Agents: Geico primarily operates online and via phone, so customers who prefer in-person service may find it lacking. This could be a disadvantage for those who value face-to-face interactions in their search for the best Englewood, Florida auto insurance.
- Higher Rates for High-Risk Drivers: Those with poor driving records may find Geico’s rates less competitive. Even with their discounts, high-risk drivers might not benefit from the best Englewood, Florida auto insurance rates.
#3 – Progressive: Best for Flexible Options
Pros
- Snapshot Program: Offers usage-based insurance with the potential for significant discounts based on driving habits. This program can help safe drivers save substantially, positioning Progressive as a strong option for the best Englewood, Florida auto insurance.
- Customizable Coverage: Wide range of add-ons, such as roadside assistance, rental car reimbursement, and custom parts coverage. Progressive also offers a 20% bundling discount for additional savings, enhancing its appeal as a provider of the best Englewood, Florida auto insurance.
- Strong Online Tools: Excellent online quote system and mobile app for managing policies and claims. The A+ rating from A.M. Best underscores its financial strength, making it a reliable choice for the best Englewood, Florida auto insurance.
Cons
- Potential for High Rates: Progressive’s rates can be higher for those with a history of claims or accidents. This could be a concern for drivers with less-than-perfect records when seeking the best Englewood, Florida auto insurance.
- Customer Service Variability: Some customers report inconsistent experiences with Progressive’s customer service. The quality of service might not always align with expectations for the best Englewood, Florida auto insurance. Read more through our Progressive auto insurance review.
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#4 – Allstate: Best for Comprehensive Plans
Pros
- Comprehensive Plans: Allstate offers extensive coverage options, including accident forgiveness and new car replacement. This comprehensive approach positions Allstate as a leading provider of the best Englewood, Florida auto insurance.
- Local Agent Availability: A strong network of local agents provides personalized service and support. This local presence ensures tailored service, adding to its appeal for the best Englewood, Florida auto insurance.
- Safe Driving Rewards: Allstate’s Drivewise program rewards safe driving with discounts and cashback. This program supports its reputation as a provider of the best Englewood, Florida auto insurance. Learn more through our Allstate auto insurance review.
Cons
- Higher Premiums: Allstate’s rates can be higher than some competitors, especially for full coverage plans. This may impact its attractiveness as the best Englewood, Florida auto insurance option for those seeking lower premiums.
- Strict Claims Process: Some customers report that the claims process can be more stringent compared to other providers. This could be a drawback for those looking for the most efficient claims experience with the best Englewood, Florida auto insurance.
#5 – Farmers: Best for Customer Service
Pros
- Exceptional Customer Service: Farmers is known for its strong customer service, particularly through local agents. This high level of service makes Farmers a top contender for the best Englewood, Florida auto insurance.
- Variety of Discounts: Offers multiple discounts, including those for teachers, military members, and homeowners. Farmers provides a 15% bundling discount, adding to its attractiveness for the best Englewood, Florida auto insurance.
- Strong Financial Ratings: Farmers is rated A by A.M. Best, ensuring reliability and stability in their insurance offerings. This financial strength supports their position as a provider of the best Englewood, Florida auto insurance. Find out more through our Farmers auto insurance review.
Cons
- Higher Cost for Full Coverage: Premiums for comprehensive and collision coverage tend to be higher than average. This might make it less appealing for those seeking the best Englewood, Florida auto insurance at a lower cost.
- Limited Digital Experience: The online and mobile experiences may not be as advanced as those offered by other insurers. This could be a downside for tech-savvy users looking for the best Englewood, Florida auto insurance with superior digital tools.
#6 – USAA: Best for Military Families
Pros
- Exclusive Military Focus: USAA offers specialized services and benefits for military members and their families, making it a top choice for the best Englewood, Florida auto insurance for those in the armed forces.
- Top-Rated Customer Satisfaction: USAA consistently ranks highest in customer satisfaction surveys. This high level of satisfaction contributes to its status as the best Englewood, Florida auto insurance provider for many.
- Competitive Rates: USAA often provides highly competitive rates, particularly for military families. The 30% bundling discount further enhances its value as the best Englewood, Florida auto insurance option. Learn more through our USAA auto insurance review.
Cons
- Eligibility Restrictions: USAA insurance is only available to military members and their families, which limits its accessibility. This exclusivity might exclude some drivers looking for the best Englewood, Florida auto insurance.
- Higher Rates for Non-Military: While competitive for military members, rates for non-military customers may be higher compared to other providers. This could be a drawback for those seeking the best Englewood, Florida auto insurance without military affiliation.
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#7 – Liberty Mutual: Best for Customizable Plans
Pros
- Customizable Plans: Liberty Mutual offers a range of customizable insurance plans to fit different needs, making it a strong contender for the best Englewood, Florida auto insurance.
- Variety of Discounts: Provides various discounts, including those for bundling multiple policies and safe driving. Their 20% bundling discount enhances its appeal for the best Englewood, Florida auto insurance.
- 24/7 Customer Service: Liberty Mutual offers round-the-clock customer support, ensuring assistance is always available. This commitment to service adds to its reputation for the best Englewood, Florida auto insurance. Read more through our Liberty Mutual auto insurance review.
Cons
- Higher Premiums for Some Drivers: Liberty Mutual’s rates can be higher for certain drivers, especially those with a history of claims. This could be a disadvantage for those seeking more affordable options in the best Englewood, Florida auto insurance market.
- Mixed Customer Service Reviews: Some customers report mixed experiences with Liberty Mutual’s customer service, which may affect its overall satisfaction as the best Englewood, Florida auto insurance provider.
#8 – Nationwide: Best for Strong Network
Pros
- Strong Network: Nationwide has a robust network of agents and support services, making it a solid choice for the best Englewood, Florida auto insurance.
- Customizable Coverage Options: Offers a variety of coverage options and add-ons to tailor policies to individual needs. This flexibility contributes to its reputation as a top provider in Englewood. Learn more through our Nationwide auto insurance review.
- High Financial Ratings: Rated A+ by A.M. Best, Nationwide ensures financial stability and reliable coverage, supporting its status as a leading choice for the best Englewood, Florida auto insurance.
Cons
- Higher Premiums for Some Drivers: Nationwide’s premiums can be on the higher side for drivers with a history of claims or accidents. This might make it less attractive for those seeking lower-cost options in Englewood.
- Limited Digital Features: The digital tools and mobile app may not be as advanced as those offered by other insurers, which could be a drawback for tech-savvy users seeking the best Englewood, Florida auto insurance.
#9 – Travelers: Best for Versatile Options
Pros
- Versatile Options: Travelers offers a wide range of coverage options and add-ons, including special protections and customizations. This versatility makes it a strong contender for the best Englewood, Florida auto insurance, as customers can tailor their policies to meet diverse needs.
- Strong Financial Stability: With an A++ rating from A.M. Best, Travelers ensures financial stability and reliable coverage. This strong financial backing supports its reputation as a leading choice for the best Englewood, Florida auto insurance. Read more through our Travelers auto insurance review.
- Innovative Programs: Offers innovative programs such as accident forgiveness and new car replacement, enhancing the overall value of their policies. These features contribute to Travelers’ status as a provider of the best Englewood, Florida auto insurance.
Cons
- Higher Cost for Drivers: Travelers might charge higher rates for drivers with poor driving records or numerous claims. This could be a disadvantage for individuals with imperfect driving histories who are searching for top auto insurance in Englewood, Florida.
- Complicated Pricing Structure: The pricing and discount systems can be complex, potentially requiring thorough examination to optimize savings. This complexity may present a challenge for those seeking simple and straightforward options in the Englewood, Florida auto insurance market.
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#10 – The Hartford: Best for Claims Satisfaction
Pros
- Claims Satisfaction: The Hartford is renowned for high claims satisfaction, providing efficient and reliable claims processing. This reputation for handling claims effectively makes it a top choice for the best Englewood, Florida auto insurance. Learn more through our The Hartford auto insurance review.
- 20% Bundling Discount: Offers a significant bundling discount of up to 20%, helping to lower overall insurance costs for customers who combine multiple policies. This discount enhances its appeal as a leading provider of the best Englewood, Florida auto insurance.
- Comprehensive Coverage Options: Includes a variety of coverage types and additional features such as accident forgiveness and new car replacement. These comprehensive options add to The Hartford’s value as a provider of the best Englewood, Florida auto insurance.
Cons
- Higher Premiums for Certain Drivers: Premiums can be higher for drivers with a history of claims or poor driving records, which might impact its attractiveness for those seeking more affordable coverage. This could be a concern for some looking for the best Englewood, Florida auto insurance.
- Customer Service Variability: Some customers report mixed experiences with The Hartford’s customer service, which could affect overall satisfaction with their auto insurance offerings. This variability may influence its perception as the best Englewood, Florida auto insurance provider for some.
State of Age, Gender, and Marital Status in Englewood, Florida Auto Insurance
Auto insurance rates in Englewood, Florida, are affected by various demographic factors, such as age, gender, and marital status.
Younger drivers tend to pay higher premiums because they are considered less experienced and more likely to be involved in accidents, whereas older drivers generally benefit from lower rates.
Englewood, Florida Auto Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
Allstate $105 $210
Farmers $110 $220
Geico $90 $180
Liberty Mutual $108 $202
Nationwide $97 $185
Progressive $95 $190
State Farm $100 $200
The Hartford $116 $205
Travelers $112 $194
USAA $85 $175
Gender also plays a role, with men often paying more than women, especially in younger age groups, as statistics suggest they are more likely to be involved in accidents.
Additionally, marital status can impact insurance costs, as married individuals are often seen as more stable and less risky to insure, leading to lower premiums.
Englewood, Florida Auto Insurance Monthly Rates by Age, Gender, & Provider
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 60 Female | Age: 60 Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $498 | $525 | $272 | $288 | $172 | $182 | $156 | $162 |
| Farmers | $475 | $502 | $259 | $275 | $169 | $179 | $153 | $159 |
| Geico | $455 | $480 | $245 | $261 | $167 | $177 | $150 | $156 |
| Liberty Mutual | $488 | $514 | $268 | $283 | $170 | $180 | $154 | $160 |
| Nationwide | $465 | $490 | $255 | $270 | $165 | $175 | $149 | $155 |
| Progressive | $478 | $504 | $263 | $278 | $168 | $178 | $152 | $158 |
| State Farm | $440 | $465 | $240 | $256 | $162 | $172 | $146 | $152 |
| Travelers | $470 | $495 | $260 | $276 | $166 | $176 | $150 | $156 |
| USAA | $430 | $455 | $235 | $250 | $160 | $170 | $144 | $150 |
Being knowledgeable of the significant factors that affect insurance rates helps residents of Englewood create decisions when seeking for the best yearly premium auto insurance coverage.
Minimum Auto Insurance in Englewood, Florida
In Englewood, Florida, state laws mandate that all drivers must carry a minimum level of auto insurance to ensure financial responsibility in the event of an accident.
This minimum coverage typically includes personal injury protection (PIP) and property damage liability (PDL). Personal injury protection, commonly known as PIP, covers medical expenses and lost wages for you and your passengers, regardless of who is at fault in the accident.
Property damage liability, on the other hand, covers the costs of damage you may cause to another person’s property, such as their vehicle or other personal belongings.
Adhering to these minimum auto insurance requirements is essential for legally operating a vehicle in Englewood, and failing to do so can result in penalties, fines, and potential legal action. Enter your ZIP code now to begin comparing.
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Impact of Driving Record in Englewood, Florida Auto Insurance
In Englewood, Florida, your driving record plays a significant role in determining your auto insurance rates by ZIP code. Drivers with a clean record typically enjoy much lower monthly premiums compared to those with a bad record.
Insurers consider factors such as past accidents, traffic violations, and DUI convictions when calculating your rate.
Tim Bain
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Therefore, maintaining a clean driving record is crucial for securing more affordable auto insurance in Englewood, Florida, as even a single incident can cause a substantial rise in your premiums.
Comparing Quotes for Englewood, Florida Auto Insurance
When seeking for auto insurance in Englewood, Florida, it’s essential to compare cheap online auto insurance quotes to assure that you’re being rewarded of the best most premium coverage at the most affordable value.
By comparing these quotes, you can make an informed decision and choose a policy that meets your needs and budget.
To start, simply enter your ZIP code in the provided field, and you’ll receive free, personalized Englewood, Florida auto insurance quotes from various insurers.
Frequently Asked Questions
How do you define Englewood, FL Auto Insurance?
Englewood, FL Auto Insurance refers to the insurance coverage specifically designed for vehicles in the Englewood, Florida area.
It provides financial protection against losses or damages that may occur to your vehicle, yourself, or others in the event of an accident or unforeseen circumstances.
Is auto insurance mandatory in Englewood, FL?
Yes, auto insurance is mandatory in Englewood, FL, as it is in the state of Florida. The law requires all drivers to carry minimum auto insurance coverage to legally operate a vehicle on the roads.
The minimum coverage typically includes personal injury protection. Enter your ZIP code now to begin.
Are there any discounts available for Englewood, FL Auto Insurance?
Yes, insurance companies often offer various discounts for auto insurance in Englewood, FL. These discounts may include safe driver discounts, multi-policy discounts, multi-vehicle discounts, good student discounts, and more.
It’s recommended to check with your insurance provider to see which discounts you may qualify for.
What are the starting rates for auto insurance from State Farm, Geico, and Progressive in Englewood, Florida?
State Farm offers rates starting at $65 per month. Geico and Progressive have rates starting at $50 per month.
Which auto insurance provider is rated A++ by A.M. Best for affordability in Englewood, Florida?
Geico is rated A++ by A.M. Best and is recognized for its affordability. Travelers also hold an A++ rating from A.M. Best. Enter your ZIP code now to begin.
What is the bundling discount offered by Travelers?
Travelers offers a bundling discount of up to 25%. This discount is applicable when combining two auto insurance policies or when pairing auto insurance with other types of coverage.
By consolidating your policies with Travelers, you can take advantage of significant savings.
Which company is noted for the best customer service among the top 10 auto insurance providers in Englewood, Florida?
Farmers is noted for its excellent customer service. It is ranked as the best for customer service among the top 10 providers.
What minimum auto insurance coverage is required by law in Englewood, Florida?
Florida law requires drivers to carry personal injury protection (PIP) and property damage liability (PDL). PIP covers medical expenses and lost wages, while PDL covers damage to others’ property. Enter your ZIP code now to begin.
How does a clean driving record affect auto insurance rates in Englewood, Florida?
A clean driving record typically results in lower auto insurance premiums. Insurers view drivers with no accidents or violations as less risky, leading to more affordable rates.
What should you do to find the most affordable auto insurance in Englewood, Florida?
To find the most affordable auto insurance, compare quotes from multiple providers. Entering your ZIP code in a comparison tool will help you receive personalized quotes and identify the best rates.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
