Upper Keys, FL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Upper Keys, 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.

Factors that can influence the cost of car insurance in Upper Keys, 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.

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Upper Keys, FL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Upper Keys, FL with that of other cities in and around Upper Keys.

	Upper Keys	Homestead	Islamorada	Key Largo	Tavernier	North Key Largo
Average Insurance Rates	$2,506	$2,147	$2,642	$2,390	$2,413	$1,985

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Upper Keys, 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 Upper Keys, 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)
Upper Keys	$1,982	$1,674
Key Largo	$1,461	$1,234
Tavernier	$1,214	$1,026
Islamorada	$1,407	$1,188
North Key Largo	$2,746	$2,319
Homestead	$1,759	$1,486

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Upper Keys, FL Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Upper Keys, 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	$8,132
20 Years	$3,220
30 Years	$2,480
40 Years	$2,386
50 Years	$2,210
60 Years	$2,241
70 Years	$2,608

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Upper Keys, FL Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Upper Keys, 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	$4,310	$702
3 Vehicles	$6,465	$1,053
4 Vehicles	$8,621	$1,403

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Upper Keys, 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 Upper Keys, FL.

Location	Average Insurance Cost	Post DUI Insurance Rate
Upper Keys	$2,506	$3,922
Key Largo	$2,390	$3,740
Tavernier	$2,413	$3,776
Islamorada	$2,642	$4,135
North Key Largo	$1,985	$3,107
Homestead	$2,147	$3,360

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Upper Keys, 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)	$2,150
Excellent (740-799)	$2,454
Good (670-739)	$2,611
Average (580-669)	$3,407
Poor (300-579)	$4,088

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Upper Keys, 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	+$110	$2,616
Driver's Failure In Showing Documents	+$243	$2,749
Driving With An Expired Registration	+$258	$2,764
Driving At A Considerably Slow Pace	+$544	$3,050
Using A Cellphone While Driving	+$574	$3,080
Running A Red Light	+$584	$3,090
Speeding	+$614	$3,120
Driving A Vehicle Without The Required Permission	+$779	$3,285
Driving With An Expired/Suspended License	+$1,689	$4,195

Upper Keys, 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	$2,406
Active Disabling Device	$2,406
Tracking Device	$2,356
Passive Disabling Device	$2,331

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Latest Auto Insurance Reviews in Upper Keys, FL | Back to Top