Bonita Springs, FL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Bonita Springs, FL, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Top 5 Car Insurance Companies in Bonita Springs, FL, by Market Share
The average cost of auto insurance in Bonita Springs, FL, is $1,268. Car owners here can save more on car insurance by comparing multiple auto insurance quotes. The cost of insurance is influenced by numerous factors ranging from the age of the driver to the make and model of the car. The cost of auto insurance can also vary from one neighborhood to another, depending on the rate of auto thefts in that area. Below is a list of the top 5 auto insurance companies in Bonita Springs, FL.
GEICO:
GEICO leads the way in Florida, with a market share of 25.23%. It has 5,160,726 direct premiums written, and 5,081,055 direct premiums earned. GEICO continues to bring innovations into the field of insurance, the latest being its virtual assistant, KATE. GEICO has an A.M. Best rating of A++ and a J.D. Power rating of 827/1000 in Florida.
PROGRESSIVE:
Progressive is second on this list with an A.M. Best Rating of A+ and a J.D. Power rating of 809/1000. It has a massive 3,749,329 direct premiums written, and 3,582,160 direct premiums earned. This earns Progressive a market share of 18.33% in Florida.
STATE FARM:
State Farm has a market share of 14.74%. This earns it a J.D. Power rating of 834/1000 in Florida. The company also has an A.M. Best rating of A++. State Farm has 3,014,788 direct premiums written, and 3,047,953 direct premiums earned in Florida. State Farm maintains its quality with an immensely customer-friendly online portal.
ALLSTATE:
Allstate has 1,897,567 direct premiums written and 1,880,647 direct premiums earned. The company has a market share of 9.28% in Florida. Allstate also has an A.M. Best rating of A+ and a J.D. Power rating of 847/1000.
USAA:
USAA completes this list with a market share of 7.07%. It has 1,445,356 direct premiums written, and 1,431,650 direct premiums earned. This has earned USAA an A.M. Best rating of A++ and a J.D. Power Rating of 898/1000. This is the highest rating in Florida.
Factors that can influence the cost of car insurance in Bonita Springs, FL are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Bonita Springs, FL Auto Insurance Rates
- Bonita Springs, FL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Bonita Springs, FL
- Multi Vehicle Insurance Savings in Bonita Springs, FL
- How Credit Score Affects Car Insurance Rates in Bonita Springs, FL
- How DUI Affects Auto Insurance Premiums in Bonita Springs, FL
- How Driving Violations Affect Auto Insurance Rates in Bonita Springs, FL
- Bonita Springs, FL Auto Insurance Discounts on Anti Theft Feature
- Bonita Springs, FL Auto Insurance Company Reviews
Bonita Springs, FL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Bonita Springs, FL with that of other cities in and around Bonita Springs.
| Bonita Springs | San Carlos Park | Estero | Naples Park | Fort Myers Beach | Three Oaks | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,268 | $2,142 | $2,327 | $2,306 | $2,408 | $2,236 |
Bonita Springs, FL Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Bonita Springs, FL based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Bonita Springs | $1,492 | $1,261 |
| Estero | $1,435 | $1,212 |
| Three Oaks | $1,706 | $1,441 |
| San Carlos Park | $1,409 | $1,190 |
| Estero Island | $1,366 | $1,154 |
| Fort Myers Beach | $1,783 | $1,506 |
| Naples Park | $1,809 | $1,528 |
| Lehigh Acres | $1,105 | $934 |
Bonita Springs, FL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Bonita Springs, FL usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $4,114 |
| 20 Years | $1,629 |
| 30 Years | $1,255 |
| 40 Years | $1,207 |
| 50 Years | $1,118 |
| 60 Years | $1,134 |
| 70 Years | $1,320 |
Bonita Springs, FL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Bonita Springs, FL can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,206 | $330 |
| 3 Vehicles | $3,309 | $495 |
| 4 Vehicles | $4,413 | $659 |
Savings on 2 Vehicles bundle:$330
Savings on 3 Vehicles bundle:$495
Savings on 4 Vehicles bundle:$659
Bonita Springs, FL Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Bonita Springs, FL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Bonita Springs | $1,268 | $1,984 |
| Estero | $2,327 | $3,642 |
| Three Oaks | $2,236 | $3,499 |
| San Carlos Park | $2,142 | $3,352 |
| Estero Island | $2,413 | $3,776 |
| Fort Myers Beach | $2,408 | $3,769 |
| Naples Park | $2,306 | $3,609 |
| Lehigh Acres | $2,152 | $3,368 |
Bonita Springs, FL Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,088 |
| Excellent (740-799) | $1,242 |
| Good (670-739) | $1,321 |
| Average (580-669) | $1,724 |
| Poor (300-579) | $2,068 |
Bonita Springs, FL Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$56 | $1,324 |
| Driver's Failure In Showing Documents | +$123 | $1,391 |
| Driving With An Expired Registration | +$131 | $1,399 |
| Driving At A Considerably Slow Pace | +$275 | $1,543 |
| Using A Cellphone While Driving | +$290 | $1,558 |
| Running A Red Light | +$295 | $1,563 |
| Speeding | +$311 | $1,579 |
| Driving A Vehicle Without The Required Permission | +$394 | $1,662 |
| Driving With An Expired/Suspended License | +$855 | $2,123 |
Bonita Springs, FL Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,217 |
| Active Disabling Device | $1,217 |
| Tracking Device | $1,192 |
| Passive Disabling Device | $1,179 |
Latest Auto Insurance Reviews in Bonita Springs, FL | Back to Top
UsaaUSAA has a low monthly premium compared to competing insurance agencies and I have not had to pay a deductible, but I believe it is reasonable compared to other agency pricing.
GeicoBecause of all the companies out there, there premiums and deductables are the best price for the value compared to all the other ones I've looked at.
AllstateTHEY DEDUCT A MINIMUM AMOUNT OF RATE AT THE TIME OF THEY RECEIVE THE AMOUNT.
ProgressiveWe have the same company for auto as we do for home so we are very happy with their excellent customer service. They are always there to help and are on top of things.
Safeco InsuranceAuto insurance policy compared to my last policy is much better. I am completely satisfied with my current policy operating in comparison to the coverage are used to have.
The HartfordThe premium, for the same coverage, was 650 dollars less the first year we signed up and the deductible was the same when we switched to this company.
The HartfordThe premium, for the same coverage, was 650 dollars less the first year we signed up and the deductible was the same when we switched to this company.
GeicoTerrible customer service. the company outsources their customer service branch. On several of the occasions in which i called the company i was speaking to someone clearly not in america (which is not a concern morally, or any sort of racist/moral judgement on that person, but just a problem as far as ability to communicate clearly).
State FarmCheaper for sure! Could be at a discount because of how long me and my family have been with them though.
TravelersI haven't had any interactions with the insurance provider since getting the policy, so nothing to dislike.
Westfield InsuranceGeico's deductibles tend to be very high. I had a tree limp break a window in my car and it was cheaper for me to pay out of pocket than to pay the deductible.
Auto-Owners InsuranceMore than anything, I like the price of my premium, as it is much cheaper than what I was paying before with my last company. The coverage itself is basically the same as what I had before.
EsuranceIt has the same services as the other companies but without the local agent. It costs less but the premiums are still high.
GeicoI wish I had a lower price on insurance since I barely drive around at all and there is no freaking traffic out here except deer and cattle.