Get Affordable Sanford, FL Auto Insurance Quotes (2024)
Sanford auto insurance has an average rate of $3,208.49/year or $267/month. This guide shows the best car insurance companies in Sanford, Florida, and offers insight into finding the most affordable Sanford car insurance quotes and great Sanford auto insurance rates.
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Daniel Walker
Licensed 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 Insurance Agent
UPDATED: Nov 3, 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 insurance industry 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: Nov 3, 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 insurance industry 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.
On This Page
| Sanford, Florida Summary | Stats |
|---|---|
| City Population | 58,862 |
| City Density | 3,105 people per square mile |
| Average Cost of Insurance | $3,208 |
| Cheapest Car Insurance Companies | USAA, State Farm |
The average cost of car insurance in the USA is $3,900 per year or $325 per month. However, if you live in Sanford, Florida, you will only spend $3,208.49 per year or $267 per month on average. Depending on several contributing factors, you can potentially save even more money.
Learn more about Sanford auto insurance by reading this guide. We’ll take you through what factors determine auto insurance rates and how these rates may vary between different companies.
Enter your ZIP code to compare cheap auto insurance in Sanford, Florida using our FREE comparison tool.
Sanford, FL Auto Insurance Agents
Are you looking for the best auto insurance rates in Sanford? If so, check out our list of auto insurance agents below. To get rates for your vehicle, contact these agents directly. If you would like to compare auto insurance rates in Sanford online, please enter your Sanford zip code at the top of this page to get the cheapest car insurance quotes in the area.
Sanford Insurance Center
2201 S French Ave Ste 1, Sanford, FL 32771
(407) 3235911
Insurance Land
2401 S French Ave, Sanford, FL 32771
(407) 3303111
McGee Insurance & Financial Services
400 W 25th St, Sanford, FL 32771
(407) 3227938
Ed Brown
225 N French Ave, Sanford, FL 32771
(407) 3211464
The McKibbin Agency
114 N Park Ave, Sanford, FL 32771
(407) 3220331
Brightway Insurance Ken Toney
121 E 1st St, Sanford, FL 32771
(877) 2882992
Insurance World of Sanford
2555 S French Ave, Sanford, FL 32773
(407) 3237283
BoydWallace Insurance Agency
2511 Park Dr, Sanford, FL 32773
(407) 3220814
Tony Russi Insurance Agency
2575 S French Ave, Sanford, FL 32773
(407) 3220285
IGEE, Inc
2593 S Sanford Ave, Sanford, FL 32773
(407) 5743886
Bob Duncan
3424 W State Road 46, Sanford, FL 32771
(407) 8784785
Richey Insurance Agency
751 Central Park Dr, Sanford, FL 32771
(407) 3218898
Guardian International Group
117 Meadow Blvd, Sanford, FL 32771
(407) 3220055
Satellite Insurance Group
3635 S Orlando Dr, Sanford, FL 32773
(407) 3303400
Direct Auto Insurance
3757 S Orlando Dr, Sanford, FL 32773
(407) 3221223
Charles Davis & Associates
1754 Rinehart Rd, Sanford, FL 32771
(407) 3249137
Gail Williams
1169 Rinehart Rd, Sanford, FL 32771
(407) 3230003
MH1 Insurance
107 W Wilbur Ave, Lake Mary, FL 32746
(407) 3147268
Jimmy Caldwell
4240 N Us Highway 17/92, Sanford, FL 32773
(407) 3235487
D Brent Carli
2680 W Lake Mary Blvd, Lake Mary, FL 32746
(407) 3223911
Jamie Gioia Insurance Group
5030 Sr 46 Ste 1000, Sanford, FL 32771
(407) 6888889
JD Insuransce & Financial Group
153 Parliament Loop Ste 1021, Lake Mary, FL 32746
(407) 8782888
Michael J McLean Agency
3070 W Lake Mary Blvd Ste 124, Lake Mary, FL 32746
(407) 4594986
Vince Santoro
3092 W Lake Mary Blvd, Lake Mary, FL 32746
(407) 3217075
Breen Ragland Group
200 Colonial Center Pkwy Ste 250, Lake Mary, FL 32746
(407) 8330300
Towne Center Insurance Agency of Heathrow
600 Rinehart Rd, Lake Mary, FL 32746
(407) 9154709
Willis of Florida
300 Colonial Center Pkwy Ste 120, Lake Mary, FL 32746
(407) 5622500
Interactive Insurance Agency of America
145 Middle St Ste 1131, Lake Mary, FL 32746
(407) 7324633
Santoro Insurance
3575 W Lake Mary Blvd Ste 103, Lake Mary, FL 32746
(407) 3024646
Wren Summers Insurance
270 Waymont Ct Ste 100, Lake Mary, FL 32746
(407) 3288585
Insurance & Risk Management Group
1035 Primera Blvd Ste 1041, Lake Mary, FL 32746
(407) 3935767
Angel’s Insurance Agency
1540 International Pkwy, Lake Mary, FL 32746
(321) 2834202
VIA of Orlando
1540 International Pkwy Ste 2000, Lake Mary, FL 32746
(407) 3330100
Barba Insurance Group
5030 W State Road 46 Ste 1024, Sanford, FL 32771
(407) 8782849
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Sanford, Florida Auto Insurance Rates
When shopping for auto insurance, you want to find an affordable rate that provides the coverage you need. The general insurance rates you’ll see in the next few sections are based on auto insurance rates from companies with the largest market share in auto insurance. We’ll discuss each factor that may play into your rates and what they mean to insurance companies.
Does gender and age affect my auto insurance rates in Sanford, Florida?
Florida is one of many states that determines auto insurance based on age and gender. According to Data USA, the median age in Sanford, Florida is 34 years old.
Point2Homes reported that Sanford, Florida has a population of 58,862.
There are 28,476 male residents and 30,386 female residents living in Sanford, Florida. Interested in how age affects auto insurance rates? Auto insurance companies use age and gender to determine the risk of the driver they’re insuring. Here are a few rates that compare auto insurance rates by age.
Sanford, Florida Average Annual Auto Insurance Rates Based on Driver's Age| Driver's Age | Average Annual Auto Insurance Rates |
|---|---|
| 60-Year_Old Driver | $2,523 |
| 35-Year-Old Driver | $2,755 |
| 25-Year-Old Driver | $3,145 |
| 17-Year-Old Driver | $8,251 |
Coverage for young drivers can be extremely expensive. Given their lack of experience, insurance companies consider drivers under 25 to be a greater risk on the road. As such, drivers that are 25 years and older pay thousands of dollars less than for auto insurance.
Now, let’s compare Sanford, Florida’s average annual rates by gender.
Sanford, Florida Average Annual Auto Insurance Rates by Gender| Driver Gender | Average Annual Auto Insurance Rates |
|---|---|
| Female | $3,955 |
| Male | $4,168 |
As you can see, male drivers pay more than female drivers for auto insurance. Male drivers statistically take more risks than females; insurance companies take this into account when issuing rates.
Age and gender combined present an entirely different risk pool. Let’s examine Sanford, Florida average auto insurance rates by gender and age. In addition to annual rates, we’ll also look at the estimated monthly payments.
Sanford, Florida Average Auto Insurance Rates by Driver Demographics| Driver Demographics | Average Annual Auto Inurance Rates | Average Monthly Auto Inurance Rates |
|---|---|---|
| Married 60-year-old female | $2,501 | $208 |
| Married 60-year-old male | $2,545 | $212 |
| Married 35-year-old male | $2,725 | $227 |
| Married 35-year-old female | $2,784 | $232 |
| Single 25-year-old female | $3,042 | $253 |
| Single 25-year-old male | $3,248 | $271 |
| Single 17-year-old female | $7,492 | $624 |
| Single 17-year-old male | $9,010 | $751 |
Drivers who are married and 35 years or older tend to receive the cheapest coverage based on age, gender, and marital status. On the other hand, teen drivers in Sanford, Florida have auto insurance rates that rival some tuition costs. Parents who want to insure their teen drivers should focus on getting discounts to decrease the auto insurance rates. Student and defensive driving course discounts are great ways to save on coverage for your teenager.
What ZIP codes have the cheapest rates in Sanford, Flordia?
Auto insurance companies also determine rates based on clients’ ZIP codes. By examining statistics such as population, crime rates, and traffic conditions, insurance companies can determine how risky it is to insure drivers who live in a particular ZIP code.
Sanford, Florida has only one ZIP code, 32773. The average annual insurance rate for 32773 residents is $3,208. Get the latest from Sanford auto insurance companies in your area by entering your ZIP code in the FREE comparison tool below.
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Which companies have the best auto insurance rates in Sanford, Florida?
What are the biggest car insurance companies in America? We can determine this by looking at market share.
Market share is the percentage a company or product has in a particular industry.
In this section, we’ll be comparing auto insurance rates from companies with the highest market share in auto insurance. For your convenience, we’ll focus on the best companies and their rates in Sanford, Florida.
Cheapest Auto Insurance Rates by Company
Insurance companies with the largest market share are located in just about every city in the United States. Sanford, Florida is no different. Here are the cheapest auto insurance rates from the best companies in Sanford.
Sanford, Florida Average Annual Auto Insurance Rates by Company| Companies | Average Annual Auto Insurance Rates |
|---|---|
| USAA | $2,698 |
| State Farm | $3,090 |
| Geico | $3,439 |
| Nationwide | $3,726 |
| Liberty Mutual | $4,512 |
| Progressive | $4,952 |
| Allstate | $6,761 |
USAA has the cheapest auto insurance rate in Sanford, Florida, while Allstate has the most expensive. USAA is only available to military veterans and their immediate families, but the company maintains a good standing even in Sanford, Florida. State Farm, Geico, and Nationwide have auto insurance rates on par with Sanford’s average annual rate.
Best Auto Insurance for Commute Rates
Commute rates are based on how much you drive your car. When requesting an auto insurance quote, they may ask about the average amount of miles you drive, or if your vehicle is a pleasure vehicle (gets driven every now and then) or a general-use vehicle (driven every day). Here are the average annual commute rates from the top auto insurance companies in Sanford, Florida.
Sanford, Florida Average Annual Auto Insurance Rates by Commute| Companies | Average Annual Rates for 10 Miles Commute 6000 Annual Mileage | Average Annual Rates for 25 Miles Commute 12000 Annual Mileage |
|---|---|---|
| USAA | $2,667 | $2,729 |
| State Farm | $2,985 | $3,195 |
| Geico | $3,423 | $3,456 |
| Nationwide | $3,726 | $3,726 |
| Liberty Mutual | $4,369 | $4,656 |
| Progressive | $4,952 | $4,952 |
| Allstate | $6,568 | $6,954 |
Once again, USAA has the cheapest rate in Sanford, Florida, whereas Allstate has the most expensive. Progressive is the second most expensive company, but their commute rates are the same regardless of how many miles you drive during the policy.
Best Auto Insurance for Coverage Level Rates
You should determine which coverage level you purchase based on your needs. According to the Insurance Information Institute, Florida’s minimum requirements for auto insurance are property damage liability and personal injury protection (PIP). The current coverage rule in Florida is 10/20/10.
A coverage rule represents your auto insurance coverage limit.
This means that Florida auto insurance has minimum requirements of $10,000 for PIP of one person, $20,000 for PIP of multiple people, and $10,000 for property damage. PIP pays for bodily injury and personal injury regardless of who is at fault in an accident.
If you believe the minimum requirements aren’t enough, you’ll need to purchase a higher coverage level. Check out this short video for more.
Let’s look at how much auto insurance costs based on coverage level.
Sanford, Florida Average Annual Auto Insurance Rates by Coverage Level| Companies | Average Annual Rates with Low Coverage | Average Annual Rates with Medium Coverage | Average Annual Rates with High Coverage |
|---|---|---|---|
| USAA | $2,338 | $2,791 | $2,965 |
| State Farm | $2,623 | $3,167 | $3,480 |
| Geico | $2,795 | $3,563 | $3,959 |
| Nationwide | $2,937 | $3,875 | $4,366 |
| Liberty Mutual | $4,150 | $4,577 | $4,809 |
| Progressive | $4,171 | $5,065 | $5,621 |
| Allstate | $5,248 | $7,105 | $7,930 |
Regardless of coverage level, USAA continues to be the cheapest auto insurance company, with State Farm being the second cheapest.
Best Auto Insurance for Credit History Rates
According to Experian, there is a correlation between credit history and risk. Auto insurance companies will review your credit history and determine your auto insurance rates. Let’s take a look at the auto insurance rates in Sanford, Florida based on credit history.
Sanford, Florida Average Annual Auto Insurance Rates by Credit History| Companies | Average Annual Rates with Good Credit | Average Annual Rates with Fair Credit | Average Annual Rates with Poor Credit |
|---|---|---|---|
| USAA | $1,556 | $2,145 | $4,393 |
| Geico | $2,270 | $3,030 | $5,019 |
| State Farm | $2,271 | $2,771 | $4,228 |
| Nationwide | $3,099 | $3,425 | $4,655 |
| Liberty Mutual | $3,475 | $4,269 | $5,792 |
| Progressive | $3,825 | $4,579 | $6,452 |
| Allstate | $4,845 | $5,977 | $9,462 |
USAA, Geico, and State Farm all have rates cheaper than the average annual rate in Sanford, Florida. Customers with good credit pay the least for auto insurance, but fair and poor credit drivers pay more expensive rates.
Best Auto Insurance for Driving Record Rates
One of the most important factors in determining auto insurance rates is your driving record. You can save hundreds of dollars if your driving record is clean. However, you could be paying significantly more for coverage if you have any tickets, driving violations, or DUIs on your record. The following table shows auto insurance rates in Sanford, Florida based on driving record.
Sanford, Florida Average Annual Auto Insurance Rates by Driving Records| Company | Average Annual Rates with a Clean Record | Average Annual Rates with 1 Speeding Violation | Average Annual Rates with 1 Accident | Average Annual Rates with 1 DUI |
|---|---|---|---|---|
| USAA | $2,110 | $2,213 | $2,608 | $3,860 |
| Geico | $2,388 | $3,744 | $3,059 | $4,566 |
| State Farm | $2,824 | $3,090 | $3,355 | $3,090 |
| Nationwide | $3,186 | $3,535 | $3,492 | $4,692 |
| Liberty Mutual | $3,270 | $4,444 | $4,228 | $6,107 |
| Progressive | $3,906 | $5,248 | $5,786 | $4,869 |
| Allstate | $5,834 | $6,473 | $6,988 | $7,750 |
Clean driving records have the cheapest auto insurance options, while all other driving records have higher than average annual rates. USAA is the only company that has average annual rates lower than the Sanford, Florida average regardless of driving record.
What affects auto insurance rates in Sanford, Florida?
As we’ve already discussed, auto insurance rates are affected by age, gender, marital status, commute mileage, credit history, driving record, and coverage level. Another factor that affects auto insurance is your vehicle’s worth. If your vehicle has an expensive manufacturer’s suggested retail price (MSRP) or fair market price range, you could pay higher than average auto insurance rates. Vehicles with lower values have cheaper auto insurance rates per year.
Enter your ZIP code in the FREE comparison tool to find affordable Sanford car insurance quotes.
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Vehicle Theft in Sanford, Florida
According to the latest FBI crime statistics, the city of Sanford had 116 motor vehicle thefts in 2018. Vehicle thefts can have an effect on comprehensive coverage; higher vehicle theft rates could mean higher auto insurance rates.
Here is a news report about vehicle theft in Seminole County, where Sanford is located.
Neighborhood Scout measures the safety of neighborhoods from best to worst. Here’s a list of Sanford, Florida’s safest neighborhoods.
- Sylvan Lake / Alderene Park
- Lock Arbor / New Upsala
- Midway
- Cameron City
- Groveview Way / W Lake Mary Blvd
- W 13Th St / S Oak Ave
- Lake Monroe / Saint Josephs
- Bel-Air / Wynwood
- City Center
- Dreamworld
Neighborhood Scout measures safety on a 100-point scale, where one is the most dangerous and 100 is the safest. According to Neighborhood Scout, Sanford has a crime index of seven.
Let’s examine the number of Sanford, Florida’s annual crimes.
Sanford, Florida Annual Crime Summary| Crime Statistics | Number of Violent Crimes | Number of Property Crimes | Total Number of Crimes |
|---|---|---|---|
| Number of Crimes | 421 | 2,133 | 2,554 |
| Crime Rate (per 1,000 residents) | 7.01 | 35.53 | 42.54 |
Some of the biggest cities in Florida have crime statistics much higher than these numbers. How does the violent crime rate and property crime rate compare to Florida? Let’s continue looking at the crime rate and the chances of becoming a victim.
Sanford, Florida Crime Rate and Chances of Becoming a Victim of Crime| Crime Statistics | Sanford Crime Rate | Florida Crime Rates |
|---|---|---|
| Violent Crime Rates | 7.01 | 3.85 |
| Chances of Becoming a Victim of a Violent Crime | 1 in 143 | 1 in 260 |
| Property Crime Rates | 35.53 | 22.82 |
| Chances of Becoming a Victim of a Property Crime | 1 in 28 | 1 in 44 |
Compared to the rest of Florida, Sanford has a higher-than-average crime rate, although you’re likely to encounter a property crime rather than a violent crime.
How is traffic in Sanford, Florida?
The effects of traffic congestion include longer commute times, consuming more gas, and extended time on the road. After searching multiple popular traffic forecast websites, we could not find any traffic reports for Sanford, Florida. While they may occasionally deal with some traffic jams, Sanford is not often on the radar for heavy traffic.
If you want to start comparing Sanford auto insurance rates, enter your ZIP code in the FREE comparison to get started.
Frequently Asked Questions
What is the average cost of auto insurance in Sanford, FL?
The average cost of auto insurance in Sanford, FL is $3,208.49 per year or $267 per month.
How can I find affordable auto insurance quotes in Sanford, FL?
To find affordable auto insurance quotes in Sanford, FL, you can use our free quote tool and compare quotes from different insurance companies. The more quotes you compare, the better chances you have of finding a great rate.
How do gender and age affect auto insurance rates in Sanford, FL?
Auto insurance companies in Florida consider age and gender when determining rates. Younger drivers and males typically have higher rates due to higher perceived risk.
What are the cheapest ZIP codes for auto insurance in Sanford, FL?
Sanford, FL has one ZIP code, 32773, and the average annual insurance rate for residents in this ZIP code is $3,208. You can get the latest rates specific to your area by entering your ZIP code in our free comparison tool.
Which insurance companies offer the best auto insurance rates in Sanford, FL?
Some of the insurance companies with the best auto insurance rates in Sanford, FL include USAA, State Farm, Geico, and Nationwide. However, rates can vary based on factors such as coverage level, credit history, and driving record.
How does coverage level affect auto insurance rates in Sanford, FL?
The coverage level you choose for your auto insurance policy will impact your rates. Higher coverage limits will generally result in higher premiums. The minimum coverage requirements in Florida are $10,000 for personal injury protection (PIP) and $10,000 for property damage liability.
Compare over 200 auto insurance companies at once!
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Daniel Walker
Licensed 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 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.