The best car insurance in Rockledge, FL

Headshot of Andrew Hurst

By

Erin GoblerErin GoblerInsurance ExpertErin 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.&Andrew HurstAndrew HurstSenior Editor & Licensed Auto Insurance ExpertAndrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.
Expert reviewedExpert reviewedThis article has been reviewed by a licensed Policygenius expert to ensure that sources, statistics, and claims meet our standard for accurate and unbiased advice.Learn more about oureditorial review process.

By

Maria FilindrasMaria FilindrasFinancial AdvisorMaria Filindras is a financial advisor, a licensed Life & Health insurance agent in California, and a member of the Financial Review Council at Policygenius.

Updated|3 min read

Policygenius content follows strict guidelines for editorial accuracy and integrity. Learn about our editorial standards and how we make money.

The average cost of car insurance in Rockledge is $2,377 per year. While expensive, this is $417 cheaper than the statewide average in Florida, where rates are $2,794 a year.

Ready to shop car insurance?

Start calculator

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

  • State Farm offers the cheapest car insurance in Rockledge, with an average cost of $1,364 per year

  • 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 $2,377 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

State Farm

$1,364

882

GEICO

$1,662

874

Travelers

$1,707

854

Nationwide

$2,025

868

Farmers

$2,351

882

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

$2,377

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

State Farm

GEICO

Travelers

Nationwide

Farmers

At-fault accident

$1,590

$2,158

$2,306

$2,839

$3,242

DUI

$1,482

$2,680

$2,608

$4,255

$2,474

Suspended license

$1,482

$1,660

$2,608

$4,255

$2,991

Open container

$1,482

$1,660

$2,188

$4,255

$2,474

Expired registration

$1,482

$1,660

$2,188

$2,359

$2,991

Driving without lights

$1,482

$1,660

$2,188

$2,033

$2,991

Running a red light

$1,482

$1,660

$2,188

$2,359

$2,888

Following too closely

$1,482

$1,660

$2,188

$2,359

$2,991

Hit and run

$1,482

$2,680

$2,608

$4,255

$2,995

Not-at-fault accident

$1,382

$1,660

$1,769

$2,033

$2,299

Passing a school bus

$1,482

$1,660

$1,777

$2,359

$2,991

Reckless driving

$1,482

$2,569

$2,608

$4,255

$2,995

Speeding

$1,482

$2,569

$2,608

$2,657

$2,780

Collapse table

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

GEICO

$2,880

State Farm

$2,923

UAIC

$3,025

Direct Auto

$3,049

Nationwide

$3,083

Ready to shop car insurance?

Start calculator

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?

State Farm has the cheapest insurance rates in Rockledge, with an average cost of $1,364 per year.

What is the cost of car insurance per month in Rockledge, Florida?

On average, drivers pay $198 per month for car insurance in Rockledge, Florida. That's $2,377 per year.

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.

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.

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: $50,000 per person/$100,000 per accident

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident

  • 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.

Authors

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.

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Questions about this page? Email us at .