Best Ruskin, Florida Auto Insurance in 2024 (Your Guide to the Top 10 Companies)
To secure the best Ruskin, Florida auto insurance, you can find affordable rates with State Farm, Geico, and Progressive. Lowest offer starts at $45/mo, making it crucial to compare providers for your needs. Be sure to explore all available options to find the best coverage for your specific situation.
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Daniel Walker
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...
Licensed Auto Insurance Agent
UPDATED: Sep 12, 2024
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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 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.
UPDATED: Sep 12, 2024
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 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.
On This Page
17,760 reviewsCompany Facts
Full Coverage in Ruskin Florida
A.M. Best Rating
Complaint Level
Pros & Cons
17,760 reviews
19,116 reviewsCompany Facts
Full Coverage in Ruskin Florida
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
13,128 reviewsCompany Facts
Full Coverage in Ruskin Florida
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviewsExplore the best Ruskin, Florida auto insurance options with rates starting at $45/mo from best providers such as State Farm, Geico, and Progressive.
We’ll cover factors that affect auto insurance rates in Ruskin, Florida, including driving record, credit, commute time, and more.
Our Top 10 Company Picks: Best Ruskin, Florida Auto Insurance
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | B | Reliable Service | State Farm |
 | #2 | 15% | A++ | Affordable Rates | Geico |
 | #3 | 12% | A+ | Flexible Plans | Progressive |
 | #4 | 25% | A+ | Personalized Service | Allstate |
 | #5 | 10% | A++ | Military Families | USAA |
 | #6 | 10% | A | Customized Coverage | Liberty Mutual |
 | #7 | 20% | A | Customer Satisfaction | Farmers |
 | #8 | 25% | A+ | Broad Coverage | Nationwide |
 | #9 | 13% | A++ | Discounts Variety | Travelers |
 | #10 | 20% | A+ | Customer Service | Amica |
Compare auto insurance in Ruskin to other Florida cities, including Tampa Florida Auto Insurance Rates, Fort Lauderdale Florida Auto Insurance Rates, and Jacksonville Florida Auto Insurance Rates to see how Ruskin, Florida auto insurance rates stack up.
Before you buy Ruskin, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Ruskin, Florida auto insurance quotes.
- Most expensive auto insurance in Ruskin for teen is Allstate
- Minimum auto insurance in Ruskin is 10/20/10
- Cheapest auto insurance in Ruskin is USAA
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#1 – State Farm: Top Overall Pick
Pros
- Reliable Service: Ranked #1 with a B rating, State Farm is known for its reliable service, making it a top choice for the best Ruskin, Florida auto insurance. Review our “State Farm Auto Insurance Review” to know more.
- Strong Bundling Discount: Offers a 17% discount for bundling, helping you achieve the best Ruskin, Florida auto insurance savings when combining policies.
- Wide Network of Agents: Provides a broad network of local agents, enhancing the customer experience for the best Ruskin, Florida auto insurance with personalized service.
Cons
- Higher Costs for Some: Premiums can be higher compared to competitors, particularly for those with a poor driving record.
- Limited Discount Variety: Fewer discount options compared to some competitors, potentially reducing overall savings for the best Ruskin, Florida auto insurance.
#2 – Geico: Best for Affordable Rates
Pros
- Affordable Rates: Ranked #2 with an A++ rating, Geico offers some of the best Ruskin, Florida auto insurance rates, including the cheapest auto insurance in Ruskin, Florida at $140.
- Excellent Bundling Discounts: Provides a 15% bundling discount, which contributes to the best Ruskin, Florida auto insurance savings when you combine multiple policies.
- Top-Rated Financial Strength: With an A++ rating from A.M. Best, Geico ensures the best Ruskin, Florida auto insurance in terms of financial stability and reliability. Read more at “Geico Auto Insurance Review.”
Cons
- Limited Coverage Options: Geico may have fewer comprehensive coverage options compared to other providers, potentially impacting the best Ruskin, Florida auto insurance experience for those needing extensive coverage.
- Variable Customer Service: Some customers report inconsistent experiences with customer service, which can affect the overall quality of the best Ruskin, Florida auto insurance service.
#3 – Progressive: Best for Flexible Plans
Pros
- Flexible Plans: Ranked #3 with an A+ rating, Progressive offers flexible plans, making it one of the best Ruskin, Florida auto insurance options for customizable coverage.
- Variety of Discounts: Provides a range of discounts, including those for safe driving and bundling, which can lower the cost of the best Ruskin, Florida auto insurance.
- Strong Online Tools: Features a well-regarded mobile app and website for managing policies and filing claims efficiently. Visit “Progressive Auto Insurance Review” to learn more about strong online tools.
Cons
- Mixed Customer Service: Customer service experiences can vary, with some reports of long wait times and inconsistent support.
- Higher Premiums for High-Risk Drivers: Premiums might be higher for drivers with poor credit or a history of claims.
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#4 – Allstate: Best for Personalized Service
Pros
- Personalized Service: Ranked #4 with an A+ rating, Allstate is noted for personalized service, making it a top contender for the best Ruskin, Florida auto insurance.
- Significant Bundling Discount: Offers a 25% discount for bundling multiple policies, contributing to the best Ruskin, Florida auto insurance savings.
- Extensive Coverage Options: Provides a wide range of Types of Auto Insurance Coverage, allowing for tailored policies that suit individual needs.
Cons
- Higher Premiums for Some Drivers: Costs can be higher, particularly for those with poor credit or a history of claims. Explore our article entitled “Allstate Auto Insurance Review.”
- Mixed Reviews on Claims: Some customers report slower claim processing times compared to other providers.
#5 – USAA: Best for Military Families
Pros
- Exceptional Service for Military Families: Ranked #5 with an A++ rating, USAA offers excellent service tailored to military families, making it a top choice for the best Ruskin, Florida auto insurance in this demographic.
- Competitive Pricing: Provides competitive rates and discounts, including a 10% discount for bundling, helping to secure the best Ruskin, Florida auto insurance at an affordable cost.
- Highly Rated Customer Satisfaction: Known for high customer satisfaction and support quality, enhancing the overall experience of the best Ruskin, Florida auto insurance.
Cons
- Limited Availability: Coverage is only available to military families and their relatives, limiting access for others seeking the best Ruskin, Florida auto insurance. Discover more affordable prices at “USAA Auto Insurance Review.”
- Higher Premiums for High-Risk Drivers: Premiums can be higher for drivers with a poor credit history or multiple claims.
#6 – Liberty Mutual: Best for Customized Coverage
Pros
- Customized Coverage: Ranked #6 with an A rating, Liberty Mutual offers highly customizable coverage options, making it a good choice for the best Ruskin, Florida auto insurance.
- Bundling Discounts: Provides a 10% discount for bundling multiple policies, which can enhance the affordability of the best Ruskin, Florida auto insurance. Visit “Liberty Mutual Auto Insurance Review” to know more.
- Variety of Discounts: Offers various discount opportunities, including for safe driving and multiple vehicles.
Cons
- Higher Premiums for Some: Premiums may be higher for drivers with poor credit or a history of accidents.
- Customer Service Variability: Some customers report inconsistent experiences with customer service and claims handling.
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#7 – Farmers: Best for Customer Satisfaction
Pros
- Customer Satisfaction: Ranked #7 with an A rating, Farmers is known for high customer satisfaction, making it a strong contender for the best Ruskin, Florida auto insurance in terms of service quality.
- Significant Bundling Discount: Offers a 20% bundling discount, enhancing the affordability of the best Ruskin, Florida auto insurance when multiple policies are combined.
- Diverse Coverage Options: Provides a range of Types of Auto Insurance Coverage, helping to tailor the best Ruskin, Florida auto insurance to meet various individual needs. Explore “Farmers Auto Insurance Review” to compare prices.
Cons
- Higher Premiums for Some Drivers: Farmers may offer higher premiums for drivers with poor credit or a history of accidents, which could affect those seeking the best Ruskin, Florida auto insurance at a lower cost.
- Inconsistent Service Experiences: Customer service experiences can vary, potentially impacting the overall satisfaction with the best Ruskin, Florida auto insurance.
#8 – Nationwide: Best for Broad Coverage
Pros
- Broad Coverage: Ranked #8 with an A+ rating, Nationwide provides extensive coverage options, contributing to the best Ruskin, Florida auto insurance for diverse needs. Discover more at “Nationwide Auto Insurance Review.”
- Generous Bundling Discount: Offers a 25% discount for bundling policies, which significantly reduces the cost of the best Ruskin, Florida auto insurance.
- Strong Financial Stability: Known for its financial strength, ensuring reliability in providing the best Ruskin, Florida auto insurance.
Cons
- Higher Premiums for Some Drivers: Premiums might be higher for drivers with poor credit or a history of claims.
- Mixed Customer Service Reviews: Some reports of less satisfactory customer service experiences.
#9 – Travelers: Best for Discounts Variety
Pros
- Variety of Discounts: Ranked #9 with an A++ rating, Travelers offers a wide range of discounts, helping you find the best Ruskin, Florida auto insurance savings.
- Flexible Coverage Plans: Provides customizable coverage options, making it a strong choice for the best Ruskin, Florida auto insurance with diverse needs.
- Strong Financial Strength: Known for its financial stability, ensuring reliable coverage and support for the best Ruskin, Florida auto insurance. Be knowledgeable and informed through our “Travelers Auto Insurance Review.”
Cons
- Higher Premiums for Some: Costs can be higher for drivers with poor credit or multiple claims.
- Variable Customer Service: Customer service experiences can vary, with some customers reporting longer wait times.
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#10 – Amica: Best for Customer Service
Pros
- Outstanding Customer Service: Ranked #10 with an A+ rating, Amica is renowned for its customer service, making it one of the best Ruskin, Florida auto insurance providers for support and claims handling.
- Generous Bundling Discount: Offers a 20% bundling discount, which contributes to finding the best Ruskin, Florida auto insurance savings when combining multiple policies.
- Comprehensive Coverage Options: Provides a wide range of Types of Auto Insurance Coverage, helping you secure the best Ruskin, Florida auto insurance with extensive coverage options.
Cons
- Higher Premiums for High-Risk Drivers: Amica may have higher premiums for drivers with poor credit or a history of accidents, which can affect those seeking the most affordable best Ruskin, Florida auto insurance. Read more at “Amica Auto Insurance Review.”
- Limited State Availability: Amica’s coverage is not available in all states, which may limit access to the best Ruskin, Florida auto insurance for some potential customers.
Cheap Ruskin, Florida Auto Insurance by Age and Gender
Ruskin, Florida auto insurance laws require that you have at least the Florida minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Ruskin, Florida.
Ruskin, Florida Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $70 | $165 |
| $52 | $145 |
| $67 | $152 |
| $50 | $140 |
| $62 | $155 |
| $58 | $142 |
| $55 | $147 |
| $65 | $160 |
| $60 | $150 |
| $45 | $135 |
Auto insurance rates in Ruskin, Florida are affected by age and gender. See how demographics impact the monthly cost of insurance. Young drivers and those with less driving experience often face higher rates, while mature drivers may benefit from lower premiums.
Ruskin, Florida Auto Insurance Monthly Rates 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 |
|---|---|---|---|---|---|---|---|---|
| $1,492 | $1,649 | $412 | $421 | $410 | $398 | $363 | $372 |
 | $685 | $924 | $335 | $355 | $305 | $300 | $270 | $280 |
| $703 | $941 | $340 | $360 | $310 | $305 | $275 | $285 |
| $573 | $722 | $356 | $363 | $322 | $325 | $301 | $301 |
| $632 | $970 | $303 | $409 | $303 | $303 | $278 | $278 |
| $717 | $884 | $322 | $336 | $292 | $288 | $260 | $269 |
| $932 | $1,012 | $398 | $377 | $331 | $311 | $283 | $303 |
| $529 | $676 | $202 | $217 | $182 | $182 | $165 | $165 |
| $648 | $893 | $318 | $338 | $290 | $285 | $265 | $275 |
| $529 | $613 | $193 | $208 | $155 | $152 | $145 | $143 |
Gender can also play a role. Understanding these factors is crucial when learning how to get car insurance, as they can significantly impact the cost of your policy.
By being aware of how age and gender influence rates, you can better navigate the insurance market and find the most affordable coverage.
Ruskin, Florida Auto Insurance Discounts by Provider
| Insurance Company | Available Discounts |
|---|---|
| Safe Driver, Multi-Policy, Anti-Theft |
| Multi-Policy, Safe Driver, Loyalty |
| Multi-Policy, Good Student, Safe Driver |
| Military, Good Driver, Multi-Vehicle |
| Military, Safe Driver, Early Shopper |
| Multi-Policy, Accident-Free, Good Student |
| Multi-Policy, Continuous Coverage |
| Safe Driver, Multi-Policy, Good Student |
| Multi-Policy, Safe Driver, New Car |
| Loyalty, Multi-Policy, Safe Driver |
Understanding these demographic impacts can help you make informed decisions and potentially save on your monthly auto insurance costs. Additionally, this knowledge allows you to tailor your insurance search to find the best rates that fit your specific profile.
Cheap Ruskin, Florida Auto Insurance By Driving Record
Driving record significantly affects auto insurance rates; under Best Florida Auto Insurance, compare monthly rates for a bad record versus a clean one in Ruskin, Florida. You can find affordable auto insurance no matter what your driving record looks like by entering your ZIP code below in our free quote comparison tool.
| Insurance Company | Clean Record | One Accident | One DUI | One Ticket |
|---|---|---|---|---|
| $591 | $710 | $797 | $660 |
| $340 | $445 | $515 | $430 |
| $375 | $470 | $550 | $445 |
| $286 | $364 | $538 | $443 |
| $315 | $407 | $589 | $428 |
| $358 | $394 | $534 | $399 |
| $389 | $576 | $485 | $523 |
| $265 | $314 | $290 | $290 |
| $350 | $460 | $520 | $440 |
| $209 | $258 | $382 | $219 |
Drivers with a history of accidents or traffic violations typically face higher premiums due to the increased risk they represent. In contrast, those with a clean driving record often enjoy lower rates and better discounts.
Evaluating the differences in monthly rates between these two categories can help you understand the impact of your driving history on insurance costs. Additionally, improving your driving record by avoiding violations can lead to substantial long-term savings on your auto insurance.
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Cheap Ruskin, Florida Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Ruskin, Florida can vary due to several location-based factors. These include crime rates, accident statistics, and the density of traffic in a particular area, all of which insurers consider when determining premiums.
In ZIP codes with higher rates of accidents or theft, drivers often face steeper insurance costs. By comparing the annual cost of auto insurance by ZIP code in Ruskin, you can identify areas where premiums are more affordable.
Compare Ruskin, Florida Auto Insurance Quotes
Before you buy Ruskin, Florida auto insurance, make sure you have compared rates from multiple companies. Find your cheapest auto insurance quotes by entering your ZIP code below into our free comparison tool.
Shopping around allows you to explore potential discounts, such as bundling home and auto policies, which can significantly reduce your premiums. Many insurers offer multi-policy discounts that could save you hundreds each year, making it a smart strategy for budget-conscious drivers.
Don’t forget to review coverage options that suit your needs, ensuring you get both the protection you require and the most affordable rates. It’s essential to evaluate different types of coverage—like liability, comprehensive, and collision—based on your driving habits and location to find the right balance of cost and security.
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Plus, taking the time to compare rates may reveal exclusive discounts, such as for safe drivers or vehicles with advanced safety features, giving you even more savings.
Additionally, understanding the different types of car insurance available can help you choose the coverage that best suits your needs and maximizes these savings.
Frequently Asked Questions
How can I lower my auto insurance premiums?
Maintain a good driving record, bundle policies, increase deductibles, seek discounts, and compare rates.
Can I cancel my auto insurance policy at any time?
Generally, you can cancel your policy, but there may be conditions and potential fees involved. Enter your ZIP code into our free quote tool below to find the best auto insurance providers for your needs and budget.
Will filing a claim increase my insurance rates?
Filing a claim can potentially increase your rates, but it depends on the circumstances and your insurer.
Read more: Cheap Auto Insurance
Does auto insurance cover rental cars?
Coverage for rental cars varies, so check your policy or consider additional rental car insurance.
Can I add additional drivers to my auto insurance policy?
Yes, you can add other drivers to your policy, but it may affect your premium. You can find affordable auto insurance no matter what your driving record looks like by entering your ZIP code below in our free quote comparison tool.
What is the difference between a premium and a deductible?
Premium is the cost you pay for insurance, while a deductible is the amount you pay before the insurance kicks in.
Read more: Types of Auto Insurance Coverage
What factors influence auto insurance rates in Ruskin, Florida?
Several factors influence auto insurance rates in Ruskin, Florida. These include your driving record, as a history of accidents or traffic violations can increase premiums. Your credit score also plays a role, with poor credit potentially leading to higher rates.
The level of coverage you choose affects your premiums, with higher coverage or additional coverage types increasing costs. Additionally, the make and model of your vehicle, as well as your commute and annual mileage, can impact your insurance rates.
How can I lower my auto insurance premiums in Ruskin, Florida?
To lower your auto insurance premiums in Ruskin, Florida, you can consider several strategies. Bundling your auto insurance with other policies, such as home insurance, may qualify you for discounts.
Increasing your deductibles can reduce your premium, though it means you’ll pay more out-of-pocket if you file a claim. Maintaining a clean driving record and improving your credit score can also help lower rates.
Additionally, regularly comparing quotes from different insurance providers can ensure you find the best rates for your coverage needs. Protect your vehicle at the best prices by entering your ZIP code into our free auto insurance quote comparison tool below.
What is the difference between liability and comprehensive auto insurance coverage?
Liability and comprehensive auto insurance coverage are distinct types of insurance. Liability insurance covers damages and injuries to others if you are at fault in an accident, including bodily injury liability and property damage liability.
In contrast, comprehensive insurance covers damages to your own vehicle from non-collision events, such as theft, vandalism, natural disasters, or hitting an animal, but it does not cover collision-related damages.
Read more: Factors That Affects Auto Insurance Rates
Are there discounts available for safe driving in Ruskin, Florida?
Yes, many auto insurance providers offer discounts for safe driving in Ruskin, Florida.
These discounts can include a safe driver discount for maintaining a clean driving record, a defensive driving course discount for completing an approved course, and usage-based insurance discounts for safe driving behaviors monitored by telematics devices.
Additionally, an accident-free discount is often available for not having any accidents or claims over a specified period.
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Daniel Walker
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...
Licensed Auto Insurance Agent
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.