Sanford, FL Auto Insurance

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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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Insurance Feature Writer Rachel Bodine

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 6, 2022

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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.

Sanford, Florida Summary
Sanford, Florida SummaryStats
City Population58,862
City Density3,105 people per square mile
Average Cost of Insurance $3,208
Cheapest Car Insurance Companies USAA, State Farm
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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

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 AgeAverage 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
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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 GenderAverage Annual Auto Insurance Rates
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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 DemographicsAverage Annual Auto Inurance RatesAverage 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
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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
CompaniesAverage Annual Auto Insurance Rates
State Farm$3,090
Liberty Mutual$4,512
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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
CompaniesAverage Annual Rates for
10 Miles Commute
6000 Annual Mileage
Average Annual Rates for
25 Miles Commute
12000 Annual Mileage
State Farm$2,985$3,195
Liberty Mutual$4,369$4,656
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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
CompaniesAverage Annual Rates with Low CoverageAverage Annual Rates with Medium CoverageAverage Annual Rates with High Coverage
State Farm$2,623$3,167$3,480
Liberty Mutual$4,150$4,577$4,809
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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
CompaniesAverage Annual Rates with Good CreditAverage Annual Rates with Fair CreditAverage Annual Rates with Poor Credit
State Farm$2,271$2,771$4,228
Liberty Mutual$3,475$4,269$5,792
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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
CompanyAverage Annual Rates with a Clean RecordAverage Annual Rates with 1 Speeding ViolationAverage Annual Rates with 1 AccidentAverage Annual Rates with 1 DUI
State Farm$2,824$3,090$3,355$3,090
Liberty Mutual$3,270$4,444$4,228$6,107
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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.

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 StatisticsNumber of Violent CrimesNumber of Property Crimes
Total Number of Crimes
Number of Crimes 4212,1332,554
Crime Rate (per 1,000 residents)7.01 35.5342.54
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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 StatisticsSanford Crime RateFlorida Crime Rates
Violent Crime Rates7.013.85
Chances of Becoming a Victim of a Violent Crime1 in 1431 in 260
Property Crime Rates35.5322.82
Chances of Becoming a Victim of a Property Crime1 in 281 in 44
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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: Sanford, Florida Auto Insurance

For the final section of this Sanford guide, we’ll go over some frequently asked questions that you may see on search engines across the internet. If you want another look at auto insurance rates in Sanford, Florida, enter your ZIP code in the FREE comparison tool below.

#1 – Who has the cheapest car insurance in Florida?

Technically, USAA has the cheapest auto insurance in Florida. However, only military members and their immediate families are eligible for their policies. As of 2020, the next cheapest auto insurance companies in Florida are State Farm, Geico, Liberty Mutual, and Direct General.

#2 – Why is Florida auto insurance so expensive?

Florida ranks number one in the country in percentage of uninsured drivers (26.7 percent). Combined with the high probability of natural disasters, auto insurance may be more expensive than other states.

#3 – How much is auto insurance in Florida per month?

The average annual auto insurance rate in Florida is $4,680/year or $390/month.

#4 – Are auto insurance rates higher in Florida?

It depends on the states you compare them to. For example, Florida has cheaper annual rates than Michigan and Louisiana, but higher rates than Virginia and Vermont.

#5 – Who has the lowest auto insurance rates in Florida?

USAA and State Farm have the lowest auto insurance rates in Florida.

#6 – Can I pay auto insurance by check?

It depends on the auto insurance company. Auto insurance payment by check is mistaken for paying by checking account, which is a common method of payment.

#7 – What is Florida Direct Insurance?

Florida Direct insurance refers to Direct Auto Insurance locations in Florida. Direct Auto Insurance is affiliated with carrier members of the National General Insurance Group. You can get a Direct car insurance quote from a Florida agent or online. Contact the Direct car insurance phone number (1-877-463-4732) to get a Direct car insurance quote. You can also make payments using the Direct General insurance app.

#8 – What is the Direct Auto Insurance late payment policy?

If you miss a payment, Direct Auto Insurance will send you a notice and give you more time to make a payment. If you still can’t pay, they may cancel your auto insurance policy. In some cases, they will reinstate your auto insurance policy even after cancellation.

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