Best Ruskin, Florida Auto Insurance in 2024 (Your Guide to the Top 10 Companies)
State Farm, Geico, and Progressive offer the best Ruskin, Florida auto insurance options, with starting rates as low as $45 per month. State Farm is renowned for its excellent customer service, Geico is known for its affordable rates, and Progressive stands out for its innovative tools.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 30, 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 30, 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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Full Coverage in Ruskin Florida
A.M. Best Rating
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19,116 reviewsCompany Facts
Full Coverage in Ruskin Florida
A.M. Best Rating
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19,116 reviews
13,128 reviewsCompany Facts
Full Coverage in Ruskin Florida
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviewsExplore the best Ruskin, Florida auto insurance options with rates starting at $45/mo from providers such as State Farm, Geico, and Progressive.
We’ll cover factors that affect auto insurance rates in Ruskin, Florida, including driving record, credit, commute time, and more.
Our Top 10 Company Picks: Best Ruskin, Florida Auto Insurance
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | B | Reliable Service | State Farm |
 | #2 | 15% | A++ | Affordable Rates | Geico |
 | #3 | 12% | A+ | Flexible Plans | Progressive |
 | #4 | 25% | A+ | Personalized Service | Allstate |
 | #5 | 10% | A++ | Military Families | USAA |
 | #6 | 10% | A | Customized Coverage | Liberty Mutual |
 | #7 | 20% | A | Customer Satisfaction | Farmers |
 | #8 | 25% | A+ | Broad Coverage | Nationwide |
 | #9 | 13% | A++ | Discounts Variety | Travelers |
 | #10 | 20% | A+ | Customer Service | Amica |
Compare auto insurance rates in Ruskin to those in other Florida cities, including Tampa, Fort Lauderdale, and Jacksonville, to see how Ruskin’s rates stack up.
Enter your ZIP code above to get free Ruskin, Florida auto insurance quotes, allowing you to evaluate various policies side by side.
- Find the best Ruskin, Florida auto insurance starting at $45/month
- Tailor coverage to your age, driving record, and ZIP code for savings
- State Farm is the top pick for great customer service
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#1 – State Farm: Top Overall Pick
Pros
- Reliable Service: State Farm is known for its dependable service, making it a top choice for the best auto insurance in Ruskin, Florida. Review our “State Farm Auto Insurance Review” to know more.
- Substantial Bundling Discount: This company offers a 17% discount for bundling, helping you achieve the best auto insurance savings when combining policies in Ruskin, Florida.
- Wide Network of Agents: Provides a broad network of local agents, enhancing the customer experience for the best Ruskin, Florida, auto insurance with personalized service.
Cons
- Higher Costs for Some: Premiums can be higher than those of competitors, particularly for those with a poor driving record.
- Limited Discount Variety: Fewer discount options compared to some competitors, potentially reducing overall savings for the best Ruskin, Florida auto insurance.
#2 – Geico: Best for Affordable Rates
Pros
- Affordable Rates: Geico offers some of the best auto insurance rates in Ruskin, Florida, including the cheapest rate at $140.
- Excellent Bundling Discounts: This policy provides a 15% bundling discount, which contributes to the best auto insurance savings when you combine multiple policies.
- Top-Rated Financial Strength: With an A++ rating from A.M. Best, Geico ensures the best auto insurance in terms of financial stability and reliability.
Cons
- Limited Coverage Options: Geico may offer fewer comprehensive coverage options than other providers, potentially impacting the auto insurance experience.
- Variable Customer Service: Some customers report inconsistent customer service experiences, which can affect the overall quality. Read more at “Geico Auto Insurance Review.”
#3 – Progressive: Best for Flexible Plans
Pros
- Flexible Plans: Progressive offers flexible plans, making it one of the best auto insurance options for customizable coverage in Ruskin, Florida.
- Variety of Discounts: Provides a range of discounts, including those for safe driving and bundling, which can lower the cost.
- Robust Online Tools: Features a well-regarded mobile app and website for managing policies and filing claims efficiently. Visit “Progressive Auto Insurance Review” to learn more.
Cons
- Mixed Customer Service: Customer service experiences can vary, with some reports of long wait times and inconsistent support.
- Higher Premiums for High-Risk Drivers: Premiums might be higher for drivers with poor credit or a history of claims.
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#4 – Allstate: Best for Personalized Service
Pros
- Personalized Service: Allstate is noted for customized service, making it a top contender for the best auto insurance in Ruskin, Florida.
- Significant Bundling Discount: This company offers a 25% discount for bundling multiple policies, contributing to the best auto insurance savings in Ruskin, Florida.
- Extensive Coverage Options: Provides a wide range of Types of Auto Insurance Coverage, allowing for tailored policies that suit individual needs.
Cons
- Higher Premiums for Some Drivers: Costs can be higher, particularly for those with poor credit or a history of claims. Explore our article entitled “Allstate Auto Insurance Review.”
- Mixed Reviews on Claims: Some customers report slower claim processing times compared to other providers.
#5 – USAA: Best for Military Families
Pros
- Exceptional Service for Military Families: USAA offers excellent service tailored to military families, making it a top choice for auto insurance in this demographic.
- Competitive Pricing: Provides competitive rates and discounts, including a 10% discount for bundling, helping to secure the best auto insurance at an affordable cost.
- Highly Rated Customer Satisfaction: Known for high customer satisfaction and support quality, enhancing the overall experience. Discover our article “USAA Auto Insurance Review” to learn more.
Cons
- Limited Availability: Coverage is only available to military families and their relatives, limiting access for others seeking the best Ruskin, Florida auto insurance.
- Higher Premiums for High-Risk Drivers: Premiums can be higher for drivers with a poor credit history or multiple claims.
#6 – Liberty Mutual: Best for Customized Coverage
Pros
- Customized Coverage: Liberty Mutual offers highly customizable coverage options, making it a good choice. Visit “Liberty Mutual Auto Insurance Review” to know more about coverages.
- Bundling Discounts: Provides a 10% discount for bundling multiple policies, which can enhance the affordability of the best Ruskin, Florida auto insurance.
- Variety of Discounts: Offers various discount opportunities, including for safe driving and multiple vehicles.
Cons
- Higher Premiums for Some: Premiums may be higher for drivers with poor credit or a history of accidents.
- Customer Service Variability: Some customers report inconsistent experiences with customer service and claims handling.
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#7 – Farmers: Best for Customer Satisfaction
Pros
- Customer Satisfaction: Farmers are known for high customer satisfaction, making them a strong contender in terms of service quality. Explore “Farmers Auto Insurance Review” to compare prices.
- Significant Bundling Discount: Offers a 20% bundling discount, enhancing the affordability when multiple policies are combined.
- Diverse Coverage Options: This company provides a range of types of auto insurance coverage, helping to tailor the best policy to meet various individual needs.
Cons
- Higher Premiums for Some Drivers: Farmers may offer higher premiums for drivers with poor credit or a history of accidents.
- Inconsistent Service Experiences: Customer service experiences can vary, potentially impacting overall satisfaction with the best Ruskin, Florida, auto insurance.
#8 – Nationwide: Best for Broad Coverage
Pros
- Broad Coverage: Nationwide provides extensive coverage options, contributing to the best Ruskin, Florida auto insurance for diverse needs.
- Generous Bundling Discount: Offers a 25% discount for bundling policies, which significantly reduces the cost. Discover more at “Nationwide Auto Insurance Review” to know more about discounts.
- Strong Financial Stability: Known for its financial strength, ensuring reliability in providing the best Ruskin, Florida auto insurance.
Cons
- Higher Premiums for Some Drivers: Premiums might be higher for drivers with poor credit or a history of claims.
- Mixed Customer Service Reviews: Some reports of less satisfactory customer service experiences.
#9 – Travelers: Best for Discounts Variety
Pros
- Variety of Discounts: Travelers offers a wide range of discounts, helping you find the best Ruskin, Florida auto insurance savings.
- Flexible Coverage Plans: This policy provides customizable coverage options, making it a strong choice for auto insurance with diverse needs.
- Strong Financial Strength: Known for its financial stability, ensuring reliable coverage and support for the best Ruskin, Florida auto insurance.
Cons
- Higher Premiums for Some: Costs can be higher for drivers with poor credit or multiple claims. Be knowledgeable and informed through our article entitled “Travelers Auto Insurance Review.”
- Variable Customer Service: Customer service experiences can vary, with some customers reporting longer wait times.
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#10 – Amica: Best for Customer Service
Pros
- Outstanding Customer Service: Amica is renowned for its customer service, making it one of the best providers for support and claims handling.
- Generous Bundling Discount: This company offers a 20% bundling discount, which helps customers find the best auto insurance savings when combining multiple policies.
- Comprehensive Coverage Options: This company provides a wide range of types of auto insurance coverage, helping you secure the best auto insurance with extensive coverage options.
Cons
- Higher Premiums for High-Risk Drivers: Amica may have higher premiums for drivers with poor credit or a history of accidents. Read more at “Amica Auto Insurance Review.”
- Limited State Availability: Amica’s coverage is not available in all states, which may limit access to the best Ruskin, Florida auto insurance for some potential customers.
Cheap Ruskin, Florida Auto Insurance by Age and Gender
Ruskin, Florida auto insurance laws require that you have at least the Florida minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Ruskin, Florida.
Ruskin, Florida Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $70 | $165 |
| $52 | $145 |
| $67 | $152 |
| $50 | $140 |
| $62 | $155 |
| $58 | $142 |
| $55 | $147 |
| $65 | $160 |
| $60 | $150 |
| $45 | $135 |
Auto insurance rates in Ruskin, Florida, are affected by age and gender. See how demographics impact the monthly cost of insurance. Young drivers and those with less driving experience often face higher rates, while mature drivers may benefit from lower premiums.
Ruskin, Florida Auto Insurance Monthly Rates by Provider, Age, & Gender
| 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 |
|---|---|---|---|---|---|---|---|---|
| $1,492 | $1,649 | $412 | $421 | $410 | $398 | $363 | $372 |
 | $685 | $924 | $335 | $355 | $305 | $300 | $270 | $280 |
| $703 | $941 | $340 | $360 | $310 | $305 | $275 | $285 |
| $573 | $722 | $356 | $363 | $322 | $325 | $301 | $301 |
| $632 | $970 | $303 | $409 | $303 | $303 | $278 | $278 |
| $717 | $884 | $322 | $336 | $292 | $288 | $260 | $269 |
| $932 | $1,012 | $398 | $377 | $331 | $311 | $283 | $303 |
| $529 | $676 | $202 | $217 | $182 | $182 | $165 | $165 |
| $648 | $893 | $318 | $338 | $290 | $285 | $265 | $275 |
| $529 | $613 | $193 | $208 | $155 | $152 | $145 | $143 |
Gender can also play a role. Understanding these factors is crucial when learning how to get car insurance, as they can significantly impact the cost of your policy.
By being aware of how age and gender influence rates, you can better navigate the insurance market and find the most affordable coverage.
Ruskin, Florida Auto Insurance Discounts by Provider
| Insurance Company | Available Discounts |
|---|---|
| Safe Driver, Multi-Policy, Anti-Theft |
| Multi-Policy, Safe Driver, Loyalty |
| Multi-Policy, Good Student, Safe Driver |
| Military, Good Driver, Multi-Vehicle |
| Military, Safe Driver, Early Shopper |
| Multi-Policy, Accident-Free, Good Student |
| Multi-Policy, Continuous Coverage |
| Safe Driver, Multi-Policy, Good Student |
| Multi-Policy, Safe Driver, New Car |
| Loyalty, Multi-Policy, Safe Driver |
Understanding these demographic impacts can help you make informed decisions and potentially save on your monthly auto insurance costs. Additionally, this knowledge allows you to tailor your insurance search to find the best rates that fit your specific profile.
Cheap Ruskin, Florida Auto Insurance by Driving Record
Driving records significantly affect auto insurance rates. Under “Best Florida Auto Insurance,” compare monthly rates for a bad record versus a clean one in Ruskin, Florida.
Ruskin, Florida Auto Accident & Insurance Claim Statistics
| Factor | Value |
|---|---|
| Total Accidents Per Year | 1,200 |
| Total Claims Per Year | 1,050 |
| Average Claim Size | $5,800 |
| Percentage of Uninsured Drivers | 16% |
| Vehicle Theft Rate | 50 thefts/year |
| Traffic Density | Medium |
| Weather-Related Incidents | High |
You can find affordable auto insurance no matter what your driving record looks like by entering your ZIP code below in our free quote comparison tool.
Ruskin, Florida Auto Insurance Monthly Rates by Provider & Driving Record
| Insurance Company | Clean Record | One Accident | One DUI | One Ticket |
|---|---|---|---|---|
| $591 | $710 | $797 | $660 |
| $340 | $445 | $515 | $430 |
| $375 | $470 | $550 | $445 |
| $286 | $364 | $538 | $443 |
| $315 | $407 | $589 | $428 |
| $358 | $394 | $534 | $399 |
| $389 | $576 | $485 | $523 |
| $265 | $314 | $290 | $290 |
| $350 | $460 | $520 | $440 |
| $209 | $258 | $382 | $219 |
Drivers with a history of accidents or traffic violations typically face higher premiums due to the increased risk they represent. In contrast, those with a clean driving record often enjoy lower rates and better discounts.
Evaluating the differences in monthly rates between these two categories can help you understand the impact of your driving history on insurance costs.
Additionally, improving your driving record by avoiding violations can lead to substantial long-term savings on your auto insurance.
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Cheap Ruskin, Florida Auto Insurance Rates by ZIP Code
Quoting auto insurance rates by ZIP code in Ruskin, Florida, can vary due to several location-based factors. These include crime rates, accident statistics, and the density of traffic in a particular area, all of which insurers consider when determining premiums.
In ZIP codes with higher rates of accidents or theft, drivers often face steeper insurance costs. By comparing the annual cost of auto insurance by ZIP code in Ruskin, you can identify areas where premiums are more affordable.
Compare Ruskin, Florida Auto Insurance Quotes
Before you buy Ruskin, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below into our free comparison tool to find your cheapest auto insurance quotes.
Shopping around allows you to explore potential discounts, such as bundling home and auto policies, which can significantly reduce your premiums.
Many insurers offer multi-policy discounts that could save you hundreds each year, making it a smart strategy for budget-conscious drivers.
Don’t forget to review coverage options that suit your needs, ensuring you get both the protection you require and the most affordable rates.
It’s essential to evaluate different types of coverage—like liability, comprehensive, and collision—based on your driving habits and location to find the right balance of cost and security.
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Plus, taking the time to compare rates may reveal exclusive discounts, such as for safe drivers or vehicles with advanced safety features, giving you even more savings.
Ruskin, Florida Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Traffic Density | B | Low to moderate traffic levels |
| Average Claim Size | B- | Claims are slightly above average |
| Weather-Related Risks | C+ | High risk of hurricanes and floods |
| Vehicle Theft Rate | C | Moderate theft rate |
| Uninsured Drivers Rate | C | Higher than average uninsured rate |
Additionally, understanding the different types of car insurance available can help you choose the coverage that best suits your needs and maximizes these savings.
Frequently Asked Questions
How can I lower my auto insurance premiums?
Maintain a good driving record, bundle policies, increase deductibles, seek discounts, and compare rates.
Can I cancel my auto insurance policy at any time?
You can generally cancel your policy, but there may be conditions and potential fees involved. Enter your ZIP code into our free quote tool below to find the best auto insurance providers for your needs and budget.
Will filing a claim increase my insurance rates?
Filing a claim can potentially increase your rates, but it depends on the circumstances and your insurer.
If you’re with one of the cheapest auto insurance companies, their policies on claims may vary, so it’s essential to understand how your insurer handles claims and any potential impacts on your future premiums.
Does auto insurance cover rental cars?
Coverage for rental cars varies, so check your policy or consider additional rental car insurance.
Can I add additional drivers to my auto insurance policy?
Yes, you can add other drivers to your policy, but it may affect your premium. You can find affordable auto insurance no matter what your driving record looks like by entering your ZIP code below in our free quote comparison tool.
What is the difference between a premium and a deductible?
The premium is the cost of insurance, while the deductible is the amount you pay before the insurance kicks in.
Understanding the relationship between these two terms is crucial when evaluating types of auto insurance coverage, as different coverages may have varying premium and deductible structures that can significantly affect your overall costs.
What factors influence auto insurance rates in Ruskin, Florida?
Several factors influence auto insurance rates in Ruskin, Florida. These include your driving record, as a history of accidents or traffic violations can increase premiums. Your credit score also plays a role, with poor credit potentially leading to higher rates.
The level of coverage you choose affects your premiums, with higher coverage or additional coverage types increasing costs. Additionally, the make and model of your vehicle, as well as your commute and annual mileage, can impact your insurance rates.
How can I lower my auto insurance premiums in Ruskin, Florida?
To lower your auto insurance premiums in Ruskin, Florida, you can consider several strategies. Bundling your auto insurance with other policies, such as home insurance, may qualify you for discounts.
Increasing your deductibles can reduce your premium, though it means you’ll pay more out-of-pocket if you file a claim. Maintaining a clean driving record and improving your credit score can also help lower rates.
Additionally, regularly comparing quotes from different insurance providers can ensure you find the best rates for your coverage needs. Protect your vehicle at the best prices by entering your ZIP code into our free auto insurance quote comparison tool below.
What is the difference between liability and comprehensive auto insurance coverage?
Liability and comprehensive auto insurance coverage are distinct types of insurance. Liability insurance covers damages and injuries to others if you are at fault in an accident, including bodily injury liability and property damage liability.
In contrast, comprehensive insurance covers damages to your own vehicle from non-collision events, such as theft, vandalism, natural disasters, or hitting an animal, but it does not cover collision-related damages.
When considering comprehensive coverage, it’s essential to understand how factors that affect auto insurance rates, including the value of your vehicle and your location, can influence the cost of this type of insurance.
Are there discounts available for safe driving in Ruskin, Florida?
Yes, many auto insurance providers offer discounts for safe driving in Ruskin, Florida.
These discounts can include a safe driver discount for maintaining a clean driving record, a defensive driving course discount for completing an approved course, and usage-based insurance discounts for safe driving behaviors monitored by telematics devices.
Additionally, an accident-free discount is often available for those who have had no accidents or claims over a specified period.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto 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.