Best Immokalee, Florida Auto Insurance in 2026 (Top 10 Companies Ranked)
State Farm, Geico, and Progressive are top choices for best Immokalee, Florida auto insurance starting at $40 per month. State Farm offers customer service, Geico provides affordable rates, and Progressive is known for its customizable plans. Compare these providers to find the best rates for your needs.
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Insurance and Finance Writer
Laura Gunn is a former teacher who uses her passion for writing and learning to help others make the best decisions regarding finance and insurance. After stepping away from the classroom, Laura used her skills to write across many different industries including insurance, finance, real estate, home improvement, and healthcare. Her experience in various industries has helped develop both her ...
Laura Gunn
Licensed Auto 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...
Daniel Walker
Updated September 2024
18,155 reviewsCompany Facts
Full Coverage in Immokalee Florida
A.M. Best Rating
Complaint Level
Pros & Cons
18,155 reviews
19,116 reviewsCompany Facts
Full Coverage in Immokalee Florida
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
13,283 reviewsCompany Facts
Full Coverage in Immokalee Florida
A.M. Best Rating
Complaint Level
Pros & Cons
13,283 reviewsState Farm, Geico, and Progressive are leading for best Immokalee, Florida auto insurance known for their minimum coverage options starting at $40 per month. 
Immokalee, Florida auto insurance requirements are 10/20/10 according to Florida auto insurance laws.
We’ll cover factors that affect auto insurance rates in Immokalee, Florida, including driving record, credit, commute time, and more.
Our Top 10 Company Picks: Best Immokalee, Florida Auto Insurance
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | B | Customer Service | State Farm |
 | #2 | 25% | A++ | Affordable Rates | Geico |
 | #3 | 12% | A+ | Customizable Plans | Progressive |
 | #4 | 10% | A+ | New Drivers | Allstate |
 | #5 | 10% | A++ | Military Families | USAA |
 | #6 | 20% | A | Custom Coverage | Liberty Mutual |
 | #7 | 15% | A | Personal Attention | Farmers |
 | #8 | 15% | A+ | Policy Bundling | Nationwide |
 | #9 | 13% | A++ | Safe Drivers | Travelers |
 | #10 | 10% | A+ | Customer Support | Amica |
Before you buy Immokalee, Florida auto insurance, make sure you have compared rates from multiple companies.
Enter your ZIP code above to get free Immokalee, Florida auto insurance quotes.
- The most cheapest auto insurance company in Immokalee is USAA
- The minimum auto insurance required in Immokalee, Florida is 10/20/10
- Monthly auto insurance rates in Immokalee, FL for senior drivers is $17/mo.
#1 – State Farm: Top Overall Pick
Pros
- Outstanding Customer Service: State Farm is renowned for its exceptional customer support and service, making it a top choice for the best Immokalee, Florida auto insurance. Their agents are well-regarded for providing personalized assistance.
- Variety of Coverage Choices: Offers a broad selection of insurance options and additional coverage features, ideal for diverse needs. This variety ensures you can find the best Immokalee, Florida auto insurance tailored to your specific requirements.
- Strong Financial Reliability: Maintains high ratings for financial stability, ensuring dependable claims payments. This reliability offers peace of mind knowing that your coverage is secure. Detailed information can be found in our “State Farm Auto Insurance Review.”
Cons
- Potentially Higher Premiums: Rates can be higher, especially for younger or riskier drivers, which might impact affordability. It’s essential to compare these rates with other providers for the best Immokalee, Florida auto insurance.
- Less Robust Online Tools: Some users find the online management tools and services less advanced compared to competitors. This can make it less convenient for those who prefer digital interactions.
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#2 – Geico: Best for Affordable Rates
Pros
- Affordable Premiums: Known for offering some of the most budget-friendly insurance rates, making it a strong contender for the best Immokalee, Florida auto insurance. This affordability can be a major advantage for cost-conscious drivers.
- Effective Online Platform: Features a user-friendly website and mobile app for easy policy management and claims. The efficient digital tools ensure that you can manage your insurance conveniently. Unlock details in our “Geico Auto Insurance Review.”
- Various Discounts: Provides a range of discounts, including for safe driving and military service, enhancing savings opportunities. This flexibility allows you to customize your coverage for the best Immokalee, Florida auto insurance.
Cons
- Limited Customer Service Options: Some customers experience longer wait times and less personalized service. This can be a drawback if you require more individualized attention.
- Fewer Coverage Options: May offer a narrower range of coverage options compared to other insurers, potentially limiting your choices for the best Immokalee, Florida auto insurance.
#3 – Progressive: Best for Customizable Plans
Pros
- Flexible Coverage Plans: Known for highly customizable insurance policies to fit individual needs, ideal for those seeking the best Immokalee, Florida auto insurance. This flexibility helps you tailor your coverage to your specific situation. See more details on our “Progressive Auto Insurance Review.”
- Snapshot Program: Offers potential discounts through the Snapshot program based on driving habits, encouraging safe driving. This can lead to savings and is a great feature for those looking for the best Immokalee, Florida auto insurance.
- Extensive Coverage Choices: Provides a wide array of additional coverage options, ensuring you have the protection you need.
Cons
- Complex Pricing Structure: The pricing model can be difficult to understand, making it harder to pinpoint exact costs. This complexity may impact your ability to easily compare it with other options.
- Variable Customer Service: Customer service experiences can be inconsistent, with some reports of less satisfactory support, which may affect your overall satisfaction with the insurance.
#4 – Allstate: Best for New Drivers
Pros
- Wide Range of Discounts: Offers numerous discounts for bundling policies, safe driving, and more, enhancing overall affordability. These discounts can significantly reduce the cost of your coverage.
- Extensive Coverage Options: Available coverage options and add-ons are broad and varied, allowing you to find the best fit for your needs. Read more on Allstate auto insurance review.
- Local Agent Availability: Access to local agents for more personalized service, which can be beneficial for navigating the best Immokalee, Florida auto insurance. Personalized attention can help you find the most suitable policy.
Cons
- Higher Rates for Some: Insurance premiums can be higher for certain demographics or drivers with less-than-perfect records, potentially making it less affordable for some.
- Inconsistent Service Quality: Service quality may vary depending on the local agent or office, which could impact your overall experience.
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#5 – USAA: Best for Military Families
Pros
- Ideal for Military Families: Tailored specifically for military members and their families with unique benefits, making it an excellent choice for those eligible. This specialization often results in highly competitive rates and coverage options.
- Excellent Customer Service: Highly praised for its customer support and service, adding significant value for those seeking the best Immokalee, Florida auto insurance.
- Comprehensive Coverage: Provides a wide range of coverage options and additional features to meet various needs. Learn more about it on USAA auto insurance review.
Cons
- Eligibility Restrictions: Only available to military personnel, veterans, and their families, limiting access for others who may be seeking the best Immokalee, Florida auto insurance.
- Fewer Physical Locations: Limited number of physical offices and agents compared to broader insurers, which may affect in-person support availability.
#6 – Liberty Mutual: Best for Custom Coverage
Pros
- Customizable Insurance Plans: Offers a variety of options to tailor insurance coverage, making it a solid choice for the best Immokalee, Florida auto insurance. This customization helps meet specific needs effectively.
- Various Discounts: Includes multiple discounts, such as for bundling and safe driving, which can enhance your overall savings.
- Strong Financial Ratings: High marks for financial strength and reliability, ensuring confidence in the stability of your coverage. For more information, see it on Liberty Mutual auto insurance review.
Cons
- Higher Premiums for Some: Rates can be higher, particularly for drivers with a less clean record, which might affect affordability.
- Mixed Customer Service Feedback: Customer service experiences can be varied, with some reports of slower responses affecting overall satisfaction.
#7 – Farmers: Best for Personal Attention
Pros
- Personalized Attention: Known for providing individualized service through local agents, making it a personal choice for the best Immokalee, Florida auto insurance. This personal approach ensures tailored assistance.
- Extensive Coverage Options: Offers a comprehensive range of insurance options and add-ons, which helps you find the best fit for your needs.
- Bundling Discounts: Significant savings for bundling auto with other insurance policies, which can reduce your overall costs. See more on Farmers auto insurance review.
Cons
- Potentially Higher Rates: Premiums may be higher compared to some other insurers, potentially impacting affordability.
- Limited Digital Tools: Online and app features may not be as advanced as those of some competitors, which could affect convenience.
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#8 – Nationwide: Best for Policy Bundling
Pros
- Discounts for Bundling: Provides significant savings for combining auto insurance with other policies, which is a valuable option for those looking for the best Immokalee, Florida auto insurance.
- Strong Customer Service: Generally, receives good reviews for customer service, ensuring a positive experience. Learn more through Nationwide auto insurance review.
- Customizable Policies: Allows for customization to fit specific insurance needs, making it easier to get the best Immokalee, Florida auto insurance for your situation.
Cons
- Higher Premiums for Certain Groups: Rates can be higher for younger or higher-risk drivers, potentially affecting affordability.
- Inconsistent Claims Process: Some variability in the efficiency of the claims process may impact your overall satisfaction.
#9 – Travelers: Best for Safe Drivers
Pros
- Safe Driver Discounts: Offers competitive rates and discounts for drivers with a good safety record, making it a strong option for the best Immokalee, Florida auto insurance. This can lead to significant savings.
- Comprehensive Coverage Options: Provides a broad range of coverage options and add-ons to meet various needs.
- Effective Online Tools: Features a good website and mobile app for policy management, enhancing convenience. Learn more in our “Travelers Auto Insurance Review.”
Cons
- Higher Rates for Riskier Drivers: Premiums may be higher for drivers with less ideal records, which could impact overall costs.
- Limited Local Presence: Fewer local agents and offices compared to some larger insurers, which may affect access to in-person support.
#10 – Amica: Best for Customer Support
Pros
- Outstanding Customer Service: Recognized for excellent customer support and service, making it a top choice for those seeking the best Immokalee, Florida auto insurance. Their service excellence contributes to high customer satisfaction.
- High Satisfaction Ratings: Consistently receives high marks for customer satisfaction and claims handling, ensuring a positive experience.
- Discounts for Safe Driving: Provides discounts for safe driving and policy bundling, which can lead to additional savings. Learn more on Amica auto insurance review.
Cons:
- Fewer Coverage Options: May offer fewer choices for certain types of coverage compared to larger insurers, which could limit your options.
- Limited Physical Presence: Fewer local agents and offices for in-person support, which might impact accessibility for some customers.
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Minimum Auto Insurance in Immokalee, Florida
In Immokalee, Florida, drivers are required to carry the state’s minimum car insurance requirements, which includes $10,000 per person and $20,000 per accident for Bodily Injury Liability, $10,000 per accident for Property Damage Liability, and $10,000 for Personal Injury Protection (PIP).
These minimums provide basic financial protection, though higher coverage is advisable for more comprehensive protection.
Immokalee, Florida Auto Insurance Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $60 | $140 |
| $59 | $133 |
| $62 | $145 |
| $45 | $110 |
| $58 | $135 |
| $57 | $128 |
| $55 | $130 |
| $50 | $125 |
| $53 | $120 |
| $40 | $105 |
State Farm, Geico, and Progressive are top choices for best Immokalee, Florida auto insurance.
Cheap Immokalee, Florida Auto Insurance by Age, Gender, and Marital Status
In Immokalee, Florida, auto insurance rates vary based on age, gender, and marital status. Younger drivers and males often face higher premiums due to higher risk levels, while rates typically drop for experienced drivers and females.
Immokalee, Florida Monthly Auto Insurance by Provider, Age, & Gender
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 60 Female | Age: 60 Male |
|---|---|---|---|---|---|---|---|---|
| $670 | $752 | $225 | $241 | $204 | $204 | $187 | $192 |
| $453 | $520 | $196 | $209 | $145 | $145 | $126 | $126 |
| $510 | $580 | $215 | $230 | $175 | $175 | $155 | $160 |
| $472 | $540 | $182 | $193 | $145 | $145 | $130 | $135 |
| $664 | $740 | $239 | $259 | $160 | $160 | $140 | $145 |
| $469 | $528 | $236 | $258 | $145 | $145 | $126 | $126 |
| $375 | $420 | $171 | $182 | $150 | $150 | $130 | $130 |
Seniors may see an increase in premiums due to potential declines in driving ability. Married drivers usually benefit from lower rates, whereas single drivers may face higher costs.
Additionally, insurers use these demographic factors to assess risk and adjust premiums, accordingly, reflecting each group’s likelihood of filing a claim.
Enter your ZIP code to begin comparing with the best Immokalee, Florida auto insurance including State Farm, Geico, and Progressive.
Cheap Immokalee, Florida Auto Insurance for Seniors
What are senior auto insurance rates in Immokalee, Florida? Take a look at the monthly average rates for older drivers.
Immokalee, Florida Senior Auto Insurance Monthly Rates by Provider & Gender
| Insurance Company | Age: 60 Female | Age: 60 Male |
|---|---|---|
| $187 | $192 |
| $126 | $126 |
| $155 | $160 |
| $130 | $135 |
| $140 | $145 |
| $126 | $126 |
| $130 | $130 |
Monthly Auto Insurance Rates for Senior Drivers in Immokalee, Florida
Cheap Immokalee, Florida Auto Insurance by Driving Record
In Immokalee, Florida, a driver’s monthly auto insurance rates are significantly influenced by their driving record. Those with a bad driving record, characterized by multiple traffic violations, accidents, or DUI convictions, face much higher premiums compared to drivers with a clean record.
For example, an individual with a poor driving history might pay around $167 monthly for insurance, whereas a driver with a clean record could pay approximately $84 per month.
This disparity reflects the higher risk perceived by insurers for those with a history of traffic infractions.
Compare auto insurance in Immokalee to other Florida cities, including Miami auto insurance rates, Hialeah auto insurance rates, and Jacksonville auto insurance rates to see how Immokalee, Florida auto insurance rates stack up. Enter your ZIP code to begin comparing.
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Cheap Immokalee, Florida Auto Insurance by Credit History
In Immokalee, Florida, auto insurance rates vary by credit score. Those with excellent credit (750+) pay the lowest premiums, around $100 monthly.
Good credit (700-749) leads to rates of about $1,400, while fair credit (650-699) results in premiums around $1,700. Poor credit (below 650) brings the highest rates, often over $2,000.
Improving your credit can help lower your insurance costs.
Cheap Immokalee, Florida Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Immokalee, Florida can vary. Compare the monthly cost of auto insurance by ZIP code in Immokalee, Florida to see how car insurance rates are affected by location.
Enter your ZIP code to begin comparing.
Cheap Immokalee, Florida Auto Insurance Rates by Commute
Commute length and mileage affect Immokalee, Florida auto insurance. Find the cheapest monthly Immokalee, Florida auto insurance by commute length.
Immokalee, Florida Auto Insurance Monthly Rates by Provider & Mileage
| Insurance Company | 6,000 Miles | 12,000 Miles |
|---|---|---|
| $180 | $195 |
| $170 | $185 |
| $165 | $180 |
| $155 | $170 |
| $190 | $205 |
| $175 | $190 |
| $160 | $175 |
Monthly Auto Insurance Rates and auto insurance rate by Commute Length in Immokalee, Florida
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Best By Category: Cheapest Auto Insurance in Immokalee, Florida
When evaluating auto insurance options in Immokalee, Florida, it’s crucial to compare the least expensive insurance providers across different categories to identify the company offering the most favorable rates tailored to your specific needs.
his involves assessing various types of coverage such as liability, collision, and comprehensive insurance, as well as considering factors like customer service, claim handling, and discounts available.
To make an informed decision, start by gathering quotes from multiple insurers and review their monthly auto insurance rates. Evaluate each company’s offerings based on your personal driving habits, vehicle type, and budget.
Compare Immokalee, Florida Auto Insurance Quotes
Frequently Asked Questions
How are auto insurance rates determined in Immokalee, FL?
Auto insurance rates in Immokalee, FL are determined by various factors, including your driving record, age, gender, location, the type of vehicle you drive, your credit history, and the coverage limits you choose. Insurance companies also consider statistical data on accident rates and claims in your area.
Are there any discounts available for auto insurance in Immokalee, FL?
Yes, insurance companies in Immokalee, FL offer various discounts that can help reduce your auto insurance premiums. Common discounts include good driver discounts, multi-vehicle discounts, safe driver courses, anti-theft device discounts, and bundling your auto insurance with other policies, such as homeowners insurance.
Enter your ZIP code to begin comparing.
What should I do if I’m involved in an auto accident?
If you’re involved in an auto accident in Immokalee, FL, you should first ensure your safety and the safety of others involved. Next, call the police to report the accident, especially if there are injuries or significant property damage.
You should then exchange insurance and contact information with the other driver(s) and document the accident scene by taking pictures and gathering witness information. Finally, notify your insurance company about the accident and provide them with all relevant details.
For more information visit how to file an auto insurance claim.
How can I file an auto insurance claim in Immokalee, FL?
To file an auto insurance claim in Immokalee, FL, follow these steps: Contact your insurance company promptly after the accident and provide all necessary details, including the accident’s specifics, any injuries, and damages. Submit any required documentation, such as police reports, medical bills, and repair estimates.
Cooperate with the insurance company’s investigation, and once your claim is processed, they will provide compensation based on your policy coverage.
What factors affect auto insurance rates in Immokalee, FL?
Auto insurance rates in Immokalee, FL can be affected by factors such as traffic conditions, vehicle theft rates, commute time, and local factors specific to the area. These factors can vary and impact insurance rates in different ways. Enter your ZIP code now.
What should I consider when choosing auto insurance in Immokalee?
Look at coverage types, premium costs, customer support, and available discounts. It’s useful to compare quotes from various insurers.
Which auto insurance companies are recommended in Immokalee?
Top choices include State Farm, Geico, Progressive, and Allstate.
What kinds of discounts can I get on auto insurance?
You might be eligible for discounts such as safe driver, multi-vehicle, bundling, and completing defensive driving courses. Enter your ZIP code today.
How can I find budget-friendly auto insurance?
To find affordable options, compare different quotes, adjust coverage levels, increase deductibles, and apply for available discounts. For additional details, explore our comprehensive resource titled, “Types of Auto Insurance.”
What are typical coverage options in Immokalee?
Standard options include liability, collision, comprehensive, uninsured motorist, and personal injury protection.
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