The best car insurance in Rockledge, FL

By

Erin Gobler

Erin Gobler

Insurance Expert

Erin Gobler is a freelance insurance writer at Policygenius, specializing in auto insurance. Erin has been writing about insurance and other personal finance topics since 2018 and has been published in some of the industry’s leading publications.

Published October 22, 2021

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Florida drivers pay an average of $2,914 per year for car insurance. This rate is well above the national average (partly because of the high rate of uninsured drivers in the state). Luckily, the average cost of car insurance in Rockledge is slightly lower than in the rest of Florida, at $2,489 a year.

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You can find the cheapest insurance rate available to you by shopping around and comparing quotes from different insurers. Policygenius can help you find the best insurance rates by showing you quotes from top carriers.

Key Takeaways

  • GEICO offers the cheapest car insurance in Rockledge, with an average cost of $1,332

  • Rockledge drivers are required to have at least $10,000 of both property damage liability and personal injury protection coverage

  • The average cost of full coverage car insurance in Rockledge, FL is $2,489 per year

Cheapest car insurance companies in Rockledge, FL

Insurance rates are based on many factors, including your location, your age and gender, your driving history, and the amount of coverage you purchase. And while all providers rely on the same basic factors, you may get very different quotes from one company to the next.

Company

Average cost

JD Power Rating

GEICO

$1,332

871

State Farm

$1,383

881

Travelers

$1,952

861

Nationwide

$2,022

876

Mercury Insurance

$2,406

849

Cheapest car insurance rates by ZIP code in Rockledge, FL

Just like insurance rates depend on the city in which you live, they also depend on your ZIP code. Certain ZIP codes may have a higher rate of accidents, crime, or uninsured drivers. As a result, drivers in those ZIP codes can expect to pay higher insurance rates.

ZIP code

Average cost

32955

$2,489

Choosing the right car insurance company in Rockledge, FL

With so many insurance companies to choose from, it can be difficult to choose the right one for you. Policygenius makes it easy to shop for insurance by helping you to compare quotes from multiple carriers.

Comparison shopping can help you find a car insurance policy at a great price that still provides the coverage you need.

Car insurance rates for drivers with driving violations in Rockledge, FL

When you sign up for car insurance, your provider will look at your driving history to help determine your rate. Drivers with violations on their records are likely to pay higher insurance rates.

Violation

GEICO

State Farm

Travelers

Nationwide

Mercury Insurance

At-fault Accident

$1,948

$1,621

$2,608

$2,833

$4,110

DUI

$2,515

$1,511

$2,934

$4,241

$3,503

Driving with a suspended license

$1,412

$1,511

$2,934

$4,241

$2,365

Driving with an open container

$1,412

$1,511

$2,475

$4,241

$3,503

Driving with expired registration

$1,412

$1,511

$2,475

$2,355

$3,431

Driving without Lights

$1,412

$1,511

$2,475

$2,031

$3,431

Failure to show documents

$1,412

$1,511

$2,475

$2,355

$3,431

Failure to stop at a red light

$1,412

$1,511

$2,475

$2,355

$3,431

Cheapest car insurance for drivers with bad credit in Rockledge, FL

You may be surprised to learn that your credit score is an important factor in determining your insurance rates. In general, those with poor credit are subject to higher insurance rates. On the other hand, drivers with good credit are considered lower-risk by insurers, and therefore pay lower rates.

Company

Rates for drivers with bad credit

State Farm

$2,628

GEICO

$2,638

Nationwide

$3,078

Direct Auto

$3,182

UAIC

$3,359

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Buying car insurance in Rockledge, FL

Florida is considered a no-fault insurance state. As a result, each driver is required to carry $10,000 of personal injury protection coverage. In case of an accident where someone is injured, each driver’s personal injury protection will cover their own injuries rather than the at-fault driver being responsible.

While it is a no-fault state when it comes to injuries, Florida does still require drivers to have some liability insurance. Drivers in the state must have at least $10,000 of property damage liability coverage. Taxi drivers must carry $50,000 of property damage liability coverage, as well as bodily injury liability coverage of $125,000 per person and $250,000 per accident.

Florida requires that drivers present proof of insurance to register their vehicle. If they are caught driving without insurance, they may have their licenses suspended for up to three years, with a reinstatement fee of $500 required to get them back.

How to get cheap car insurance in Rockledge, FL

With the high cost of car insurance in Florida, you’re likely looking for a way to lower your premiums. Here are a few strategies you can use to get cheaper car insurance in Rockledge:

  1. Shop around. As we’ve seen, the cost of car insurance can vary significantly from one provider to the next. Policygenius can help you compare quotes and shop around for the best rate.

  2. Raise your deductible. The deductible is the amount you pay out of pocket for a claim before insurance will pay. In general, the higher your deductible, the lower your premium. Just make sure your deductible is lower enough that you can afford it in case of an accident.

  3. Take advantage of discounts. Most insurers offer a variety of discounts to help you save on your policy. For example, some offer a discount when you bundle multiple policies with the same insurer. Others offer a discount for placing a monitoring device in your vehicle to track your driving safety.

Frequently asked questions

Who has the cheapest car insurance in Rockledge?

GEICO offers the cheapest insurance rates in Rockledge, with an average cost of $1,332. State Farm has the next cheapest policies with an average cost of $1,383.

What factors affect my car insurance rates?

Your car insurance rates are based on personal factors like your driving record, driving habits, location, age, gender, vehicle, credit score, and coverage amounts.

How can I save money on car insurance in Rockledge?

There are plenty of ways to save money on your car insurance in Rockledge, including shopping around for the best rates, taking advantage of insurance discounts, and increasing your deductible.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.