Sanford, FL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Sanford, 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 by Market Share in Sanford, FL
The average rate of auto insurance in Sanford, FL, is $1,307. This is lower than the cost of auto insurance in neighboring places such as DeBary, Casselberry, Winter Springs, Heathrow, and Casselberry-Altamonte Springs. Car owners can save more on auto insurance by comparing multiple insurance quotes from different car insurance companies. Auto insurance depends on numerous factors, including one’s neighborhood. Depending on the rate of auto thefts and the make and model of one’s car, the price can vary from one area to another. Below is a list of the top 5 auto insurance companies in Sanford, 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 18.30% in Florida.
STATE FARM:
State Farm has a market share of 14.70%, with 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 makes it easy to shop for insurance 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 Sanford, 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.
- Sanford, FL Auto Insurance Rates
- Sanford, FL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Sanford, FL
- Multi Vehicle Insurance Savings in Sanford, FL
- How Credit Score Affects Car Insurance Rates in Sanford, FL
- How DUI Affects Auto Insurance Premiums in Sanford, FL
- Top Auto Insurance Agents Near Sanford, FL
- How Driving Violations Affect Auto Insurance Rates in Sanford, FL
- Sanford, FL Auto Insurance Discounts on Anti Theft Feature
- Sanford, FL Auto Insurance Company Reviews
Sanford, FL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Sanford, FL with that of other cities in and around Sanford.
| Sanford | DeBary | Casselberry | Winter Springs | Heathrow | Casselberry-Altamonte Springs | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,307 | $2,156 | $2,085 | $1,316 | $2,435 | $2,163 |
Sanford, 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 Sanford, 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) |
|---|---|---|
| Sanford | $1,138 | $961 |
| Lake Mary | $1,509 | $1,275 |
| Heathrow | $1,577 | $1,332 |
| Longwood | $1,477 | $1,248 |
| Winter Springs | $1,066 | $900 |
| DeBary | $1,732 | $1,463 |
| Casselberry-Altamonte Springs | $1,392 | $1,175 |
| Casselberry | $1,487 | $1,256 |
Sanford, FL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Sanford, 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 | $4,241 |
| 20 Years | $1,679 |
| 30 Years | $1,293 |
| 40 Years | $1,245 |
| 50 Years | $1,152 |
| 60 Years | $1,169 |
| 70 Years | $1,360 |
Sanford, FL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Sanford, 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 | $2,274 | $340 |
| 3 Vehicles | $3,411 | $510 |
| 4 Vehicles | $4,548 | $680 |
Savings on 2 Vehicles bundle:$340
Savings on 3 Vehicles bundle:$510
Savings on 4 Vehicles bundle:$680
Sanford, 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 Sanford, FL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Sanford | $1,307 | $2,046 |
| Lake Mary | $2,294 | $3,590 |
| Heathrow | $2,435 | $3,811 |
| Longwood | $2,150 | $3,365 |
| Winter Springs | $1,316 | $2,060 |
| DeBary | $2,156 | $3,374 |
| Casselberry-Altamonte Springs | $2,163 | $3,385 |
| Casselberry | $2,085 | $3,263 |
Sanford, 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) | $1,121 |
| Excellent (740-799) | $1,280 |
| Good (670-739) | $1,362 |
| Average (580-669) | $1,777 |
| Poor (300-579) | $2,132 |
Sanford, FL Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Blanchard Insurance | Travelers | 407 WEKIVA SPRINGS RD STE 255, LONGWOOD, 32779 | 407-788-8640 |
| Jimmy Caldwell | Allstate | 4240 N Hwy 17 92, Sanford, 32773 | (407) 323-5487 |
| James Raynor | State Farm | 2751 Enterprise Rd Ste 105, Orange City, 32763-8257 | 386-775-2702 |
| Rhonda Dematteis | Allstate | 622 Maitland Ave, Altamonte Springs, 32701 | (407) 831-8111 |
| Moriarty And Associates | Travelers | 385 DOUGLAS AVE STE 2050, ALTAMONTE SPRINGS, 32714 | 407-629-5501 |
| Insurance Market Inc | Travelers | 240 W CHURCH AVE, LONGWOOD, 32750 | 407-830-6075 |
| Willis Of Florida | Liberty Mutual Independent | 300 COLONIAL CTR PKWY STE 130, LAKE MARY, 32746 | (407) 562-2500 |
| The Wurzel Insurance Agency | Travelers | 1942 W Cr 419 Ste 1000, Oviedo, 32766 | None |
| Blackadar Insurance Agency Inc | Liberty Mutual Independent | 1436 N. Ronald Reagan Blvd., Longwood, 32750 | (407) 915-0651 |
| Mark Wilson | State Farm | 2660 W State Road 434 Ste 2, Longwood, 32779-4400 | 407-786-8770 |
| Randy Freitas | Allstate | 674 Deltona Blvd, Deltona, 32725 | (386) 951-5345 |
| Greenroad, Inc. | None | 1515 International Parkway Ste 1025 , Lake Mary, 32746 | None |
Sanford, 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 | +$58 | $1,365 |
| Driver's Failure In Showing Documents | +$127 | $1,434 |
| Driving With An Expired Registration | +$135 | $1,442 |
| Driving At A Considerably Slow Pace | +$284 | $1,591 |
| Using A Cellphone While Driving | +$299 | $1,606 |
| Running A Red Light | +$305 | $1,612 |
| Speeding | +$320 | $1,627 |
| Driving A Vehicle Without The Required Permission | +$406 | $1,713 |
| Driving With An Expired/Suspended License | +$881 | $2,188 |
Sanford, 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 | $1,255 |
| Active Disabling Device | $1,255 |
| Tracking Device | $1,229 |
| Passive Disabling Device | $1,216 |
Latest Auto Insurance Reviews in Sanford, FL | Back to Top
GeicoI have a high deductible for my plan. I won't give specifics. But, I can tell you that I have an old but reliable car that I am not worried about. I don't need tons of coverage for.
GeicoThey are cheaper and still provide a similar level of service from what I understand about other providers.
Farmer's InsuranceI have had to give this responsibility to others who are more capable to keep facts straight. When I give up driving I will no longer have to pay nor the liability insurance for driving as required by the state.
MetlifeFirst we want to pay a higher amount as our insurance money but later we wanna pay only half of the money and one of the additional feature is that they will approve our insurance amount without delay .
AaaI would highly recommend our insurance company as they have provided excellent affordable coverage and are extremely courteous.
AaaI would highly recommend our insurance company as they have provided excellent affordable coverage and are extremely courteous.
State FarmThere really isn't anything I can think of that I can complain about with State Farm. They have completely met my needs, and exceeded my expectations with what I wanted when I came to them almost two years ago.
State FarmI do not like that the company makes it so difficult to change your policy. They will call you until the world implodes on itself. No matter how many times I tell them to stop calling, they just keep calling.
AllstateI really like that the quote is free and I can make my complaints online without having to go to the agency and also because they offer me a free membership for their roadside assistance program
GeicoI really like the excellent customer service provided by GEICO. I also like the ease in which claims are handled.
GeicoI haven't really shopped around for other insurance companies on what they offer for what I get with Geico. I would assume it would be lower, but that's just because I feel like I am paying too much.
ProgressiveThis is why I now have my current provider. Their insurance was the cheapest for the coverage provided based on getting several online quotes. I switched to my current provider about 6 months ago and was able to increase my coverage for about half of what I was paying with Farmers insurance.