Finding the Best Key West Auto Insurance Quotes

With its beautiful beaches, laidback lifestyle and Caribbean vibe, Key West is a dream destination for many. But before cruising down the Overseas Highway in your convertible, it’s essential to get Key West auto insurance quotes and proper coverage. This guide will walk you through getting the most affordable car insurance in Key West.

We’ll cover:

  • Key factors that affect Key West auto insurance costs
  • Minimum Florida insurance requirements
  • How to get quotes from top Key West insurers
  • Tips to find the cheapest Key West car insurance
  • Why work with a local Key West insurance agent

Follow our advice below to protect your vehicle and wallet while enjoying the islands.

What Impacts the Cost of Key West Auto Insurance?

Several variables determine how much you’ll pay for Key West car insurance including:

Your Driving Record – Drivers with accidents, tickets and violations pay higher premiums. Maintaining a clean record saves you money.

Vehicle Type – Insuring a sports car or luxury vehicle costs more than a sedan or economy car.

Age – Teen and young drivers have the highest auto insurance rates in Key West until around age 25.

Credit History – Your credit score factors into insurance rates. Good credit leads to lower premiums.

Location – Living in busier, urban areas of Key West leads to more expensive premiums.

Annual Mileage – The more miles you drive, the more you’ll pay for coverage.

Deductible – Choosing a higher deductible reduces monthly premiums.

Florida Minimum Car Insurance Requirements

Florida mandates all drivers carry at least:

  • $10,000 Bodily Injury Liability Coverage per person
  • $20,000 Bodily Injury Liability Coverage per accident
  • $10,000 Property Damage Liability Coverage

This coverage protects other parties when you’re at fault for an accident but does not cover damage to your own vehicle.

Florida is a no-fault insurance state meaning your own insurer covers your injury claims regardless of fault. Drivers are required to carry:

  • $10,000 Personal Injury Protection (PIP)
  • $10,000 Property Damage Liability (PDL) Coverage

While minimum liability insurance meets state requirements, experts recommend also purchasing comprehensive and collision coverage to protect your vehicle from damage.

How to Get Key West Auto Insurance Quotes

Here are some tips for getting free Key West car insurance quotes:

  • Compare quotes from national insurers – Get quotes from large carriers like Geico, State Farm and Progressive that operate in Florida.

  • Check rates from regional providers – Carriers like People’s Trust Insurance and United Property & Casualty focus on coastal states like Florida.

  • Ask local agents – Key West insurance agencies can provide quotes from national, regional and local insurers.

  • Adjust variables – Change limits, deductibles and coverage types to find the optimal balance of premiums and protection.

  • Browse online – Use insurer and comparison websites to instantly generate multiple quotes.

  • Quote annually – Shop rates again each renewal to ensure you still have competitive pricing.

Tips for Finding the Cheapest Key West Car Insurance

To obtain the lowest auto insurance premiums in Key West, be sure to:

  • Enroll in usage-based “pay-per-mile” programs to save by driving less

  • Ask about discounts for safety features like airbags and anti-theft devices

  • Consider dropping comprehensive and collision if your vehicle is worth less than 10 years of premiums

  • Inquire about multi-policy discounts offered when you bundle home and auto insurance

  • Maintain excellent credit and check reports for errors to keep your score high

  • Ask providers for list rates if your driving record is not perfect

  • Take an online defensive driving course approved by your insurer for a discount

Benefits of Working with a Local Key West Insurance Agent

In addition to getting quotes online, we recommend contacting local insurance agencies in Key West for your car insurance. Benefits include:

Regional Expertise – They understand which insurers offer the best rates and coverage for the area.

Personalized Service – They provide one-on-one support tailored to your unique situation.

Policy Review – They can audit your coverage to ensure you’re adequately protected.

Claims Assistance– They advocate for you and guide you through the claims process when accidents occur.

Ongoing Policy Management – They monitor your policy and alert you to savings opportunities at renewal.

Bundle Discounts – They offer home insurance and can bundle policies together to save money.

So partner with a trusted Key West insurance professional to secure the right auto insurance protection for enjoying the islands.

Top Insurers Offering Key West Car Insurance Quotes

To find the most affordable coverage, we recommend comparing free quotes from these top insurers offering Key West auto insurance:

Key West Insurance

As one of the most established local agencies in Key West, Key West Insurance has served the community since 1943. They provide customized auto insurance protection along with home, boat, flood and business insurance policies.

United Atlantic Insurance Group

With an office conveniently located in Key West, United Atlantic Insurance Group offers customized car insurance packages designed specifically for South Florida drivers.

Goetz Insurance Group

Serving Key West drivers for over 25 years, Goetz Insurance Group provides a range of property and casualty insurance products including tailored auto policies.

People’s Trust Insurance

Headquartered in nearby Deerfield Beach, People’s Trust Insurance offers specialized auto insurance coverage across Florida including Key West.

Kin Insurance

A newer online insurance platform, KIN provides smart digital insurance tailored to modern drivers in Florida metro areas like Key West.


National insurer Progressive offers competitive rates in Florida along with usage-based insurance that can help Key West drivers save.


As the second largest auto insurer in the country, Geico offers low rates in Key West and discounts for good drivers.

Get Key West Car Insurance Quotes Today

Finding the right blend of Key West auto insurance coverage at the best available price takes a bit of work. But shopping around for free quotes and comparing top local and national insurers can help you maximize savings while protecting your vehicle.

Partner with a trusted insurance professional to secure affordable Key West car insurance quotes tailored to your budget and risk tolerance. And enjoy cruising through island paradise with proper coverage giving you peace of mind.

5 Best Auto Insurance Companies


Who has cheapest auto insurance in Florida?

The cheapest car insurance companies in Florida include State Farm, Geico, Travelers, Farmers and Progressive.

Who has the absolute cheapest auto insurance?

State Farm is the cheapest large auto insurance company in the nation for good drivers, according to NerdWallet’s 2024 analysis of minimum coverage rates. State Farm’s average annual rate was $471 or about $39 per month.

Is Geico cheaper than Progressive?

Both Geico and Progressive offer cheap car insurance to drivers across the country. Geico’s rates are typically lower overall, but Progressive tends to offer better prices to high-risk drivers. High-risk drivers are those with a recent DUI, at-fault accident or speeding ticket on their driving record.

What is the average cost of auto insurance in Florida?

The average car insurance rate in Florida is $1,878 per year — 31.6% more than the U.S. average. But auto insurance prices are dictated by factors other than state lines. Auto insurance premiums consider a number of components, including your driving record, credit history, gender, age, and marital status.

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