Table of content
- Lehigh Acres – introduction
- Documents required to get an auto insurance
- How fast is auto insurance issued?
- What affects the car insurance?
- How much is car insurance in Lehigh Acres, FL?
- Best cheap car insurance companies in Lehigh Acres, Florida in 2024
- Cheapest insurance rates by category in 2024
- No-fault insurance laws in Lehigh Acres
- The benefits to get an auto insurance
- Frequently asked questions
Lehigh Acres – introduction
Lehigh Acres is an unincorporated community located in Lee County, Florida, United States. According to the United States Census Bureau, the total population of Lehigh Acres was estimated to be around 120,000 people as of 2020.
In terms of income, the median household income in Lehigh Acres is around $46,000 per year, which is lower than the national average. However, the cost of living in Lehigh Acres is also lower than many other parts of FL, which can help offset some of the lower income levels. Additionally, the community has a growing job market, particularly in healthcare, retail, and hospitality industries, which can provide opportunities for residents to increase their income levels over time.
When it comes to car insurance, Lehigh Acres residents may have to pay slightly higher rates compared to other areas in Florida. This is because the community has a higher than average rate of car accidents and thefts, which can result in higher insurance premiums. However, rates can vary depending on several factors, including a driver’s age, driving record, and the type of car they drive.
Documents required to get an auto insurance
To get an auto insurance policy in Lehigh Acres, Florida, you will typically need to provide the following documents:
- Proof of identity: This can be a valid driver’s license, passport, or other government-issued photo ID.
- Vehicle information: You will need to provide details about the vehicle you wish to insure, including the make, model, year, and VIN number.
- Vehicle registration: You will also need to provide a copy of your vehicle registration certificate.
- Proof of ownership: If you are not the owner of the vehicle, you may need to provide proof of your relationship with the owner or a power of attorney.
- Driving history: You may be required to provide information about your driving history, including any accidents or traffic violations.
- Payment information: You will need to provide payment information to cover the cost of the policy.
How fast is auto insurance issued?
The speed at which auto insurance is issued can vary depending on several factors, such as the company’s policies, the type of coverage you need, and the information you provide during the application process.
In some cases, you may be able to get auto insurance issued instantly online or over the phone if you have all the necessary information on hand and meet the insurer’s eligibility requirements. Other times, the insurer may require additional documentation or may need to verify information before issuing the policy, which could take several days or even a few weeks.
It’s important to note that while it may be tempting to rush through the application process to get coverage quickly, it’s crucial to provide accurate and truthful information to the insurer to ensure you have the right coverage and that your policy is valid.
What affects the car insurance?
Here are some factors that can affect car insurance rates:
- Age: Younger drivers typically pay more for car insurance than older drivers.
- Driving record: Drivers with a history of accidents, traffic violations, or DUIs are considered higher risk and may have higher premiums.
- Vehicle make and model: More expensive or high-performance vehicles may have higher rates due to the cost of repairs or replacement.
- Location: Insurance rates can vary depending on where you live, with urban areas typically having higher rates.
- Credit score: In some states, the companies may use your credit score as a factor in determining rates.
- Coverage level: Higher levels of coverage typically come with higher premiums.
- Deductible: Choosing a higher deductible can lower your monthly premium, but will require you to pay more out-of-pocket in the event of a claim.
- Usage: If you use your vehicle for business purposes or have a long commute, your insurance rates may be higher.
- Insurance history: If you have a history of lapsed insurance coverage or claims, your rates may be higher.
- Gender: In some states, gender can be used as a factor in determining the rates, with male drivers typically paying more than female drivers. However, this practice is becoming less common.
How much is car insurance in Lehigh Acres, FL?
based on data from industry sources, the average annual cost of car insurance in FL is around $1,500-$2,000, which can vary depending on various factors such as your age, driving record, vehicle type, coverage needs, and location.
In terms of top known US companies operating in Lehigh Acres, Florida, some of the largest insurers in the state include:
- State Farm
- Geico
- Progressive
- Allstate
- Liberty Mutual
Best cheap car insurance companies in Lehigh Acres, Florida in 2024
Please keep in mind that these costs are based on a sample driver and may vary depending on individual circumstances. Additionally, not all of these companies may be available in Lehigh Acres or offer coverage for all types of vehicles.
| Company | Monthly Cost | Annual Cost | Documents Required |
|---|---|---|---|
| GEICO | $75 | $900 | Driver’s license, vehicle registration, proof of insurance |
| State Farm | $80 | $960 | Driver’s license, vehicle registration, proof of insurance |
| Progressive | $85 | $1,020 | Driver’s license, vehicle registration, proof of insurance |
| Allstate | $90 | $1,080 | Driver’s license, vehicle registration, proof of insurance |
| Esurance | $70 | $840 | Driver’s license, vehicle registration, proof of insurance |
| Nationwide | $95 | $1,140 | Driver’s license, vehicle registration, proof of insurance |
Cheapest insurance rates by category in 2024
Insurance rates vary widely depending on the category of insurance you are looking for. Some of the most common categories include auto, home, life, health, and travel insurance.
When it comes to finding the cheapest insurance rates in Lehigh Acres, FL, it’s important to understand that the price you pay for insurance depends on a number of factors, including your age, location, driving record (in the case of auto insurance), health history (in the case of health and life insurance), and more.
Teen drivers
| Company | Average Cost | Required Documents |
|---|---|---|
| State Farm | $4,500 – $6,000 per year | Driver’s license, proof of insurance, car registration |
| Geico | $3,500 – $5,500 per year | Driver’s license, proof of insurance, car registration |
| Allstate | $5,000 – $7,000 per year | Driver’s license, proof of insurance, car registration |
| Progressive | $4,000 – $6,000 per year | Driver’s license, proof of insurance, car registration |
| Nationwide | $5,500 – $8,000 per year | Driver’s license, proof of insurance, car registration |
Young adults (20, 30 years old)
| Company | Median Annual Cost |
|---|---|
| State Farm | $2,000 – $3,500 |
| Geico | $1,500 – $2,500 |
| Allstate | $2,500 – $4,000 |
| Progressive | $2,000 – $3,500 |
| Nationwide | $2,800 – $4,500 |
Adults (40, 50 years old)
| Company | Median Annual Cost |
|---|---|
| State Farm | $1,200 – $2,200 |
| Geico | $1,000 – $1,800 |
| Allstate | $1,500 – $2,500 |
| Progressive | $1,300 – $2,300 |
| Nationwide | $1,600 – $2,800 |
Seniors (60, 70-year old)
| Company | Median Annual Cost |
|---|---|
| State Farm | $1,000 – $1,800 |
| Geico | $900 – $1,500 |
| Allstate | $1,200 – $2,200 |
| Progressive | $1,000 – $1,800 |
| Nationwide | $1,400 – $2,200 |
Married drivers
| Company | Average Annual Cost | Discount for Married Couples |
|---|---|---|
| State Farm | $1,200 – $2,000 | Up to 25% |
| Geico | $1,000 – $1,800 | Up to 25% |
| Allstate | $1,500 – $2,500 | Up to 25% |
| Progressive | $1,300 – $2,200 | Up to 10% |
| Nationwide | $1,600 – $2,800 | Up to 20% |
Military drivers
Military drivers may be eligible for discounts on car insurance costs in Lehigh Acres, FL, as many companies offer special rates and discounts for active duty and veteran military personnel. Here is a table with some of the top US companies that offer discounts for military drivers, along with estimated costs, required documents, and rate volume:
| Company | Annual Cost | Required Documents | Rate Volume |
|---|---|---|---|
| Geico | $900 – $1,500 | Military ID, Proof of Insurance | 20% – 25% |
| USAA | $800 – $1,400 | Military ID, Proof of Insurance | Varies based on individual factors |
| State Farm | $1,200 – $2,000 | Military ID, Proof of Insurance | Varies based on individual factors |
| Progressive | $1,300 – $2,200 | Military ID, Proof of Insurance | Varies based on individual factors |
| Allstate | $1,500 – $2,500 | Military ID, Proof of Insurance | Varies based on individual factors |
Free-accident drivers
| Company | Bonus for Free-Accident Drivers | Cost for Free-Accident Drivers |
|---|---|---|
| State Farm | Accident Forgiveness | Lower Deductibles |
| Geico | Accident Forgiveness | Lower Premiums |
| Allstate | Safe Driving Bonus | Lower Premiums |
| Progressive | Accident Forgiveness | Lower Premiums |
| Nationwide | Vanishing Deductible | Lower Deductibles |
Cheapest options after a speeding ticket
Receiving a speeding ticket in Lehigh Acres, Florida can result in higher car insurance premiums, as it can be seen as an indicator of risky driving behavior. However, the exact increase in insurance costs can vary based on factors such as the severity of the violation, the driver’s past driving record, and the insurance company’s policies.
Here are some of the top US companies and their estimated costs for drivers who have received a speeding ticket in Lehigh Acres, Florida:
| Company | Annual Cost |
|---|---|
| State Farm | $1,800 – $3,000 |
| Geico | $1,500 – $2,500 |
| Allstate | $2,200 – $3,500 |
| Progressive | $2,000 – $3,500 |
| Nationwide | $2,400 – $3,800 |
For a liability-only
| Company | Median Annual Cost | Terms |
|---|---|---|
| State Farm | $500 – $1,000 | Minimum coverage of $10,000 for property damage and $10,000 for bodily injury per person, $20,000 for bodily injury per accident |
| Geico | $400 – $900 | Minimum coverage of $10,000 for property damage and $10,000 for bodily injury per person, $20,000 for bodily injury per accident |
| Allstate | $600 – $1,200 | Minimum coverage of $10,000 for property damage and $10,000 for bodily injury per person, $20,000 for bodily injury per accident |
| Progressive | $500 – $1,000 | Minimum coverage of $10,000 for property damage and $10,000 for bodily injury per person, $20,000 for bodily injury per accident |
| Nationwide | $700 – $1,300 | Minimum coverage of $10,000 for property damage and $10,000 for bodily injury per person, $20,000 for bodily injury per accident |
For a DUI
| Company | Annual Cost |
|---|---|
| State Farm | $4,000 – $6,000 |
| Geico | $3,500 – $5,000 |
| Allstate | $5,000 – $8,000 |
| Progressive | $4,500 – $7,000 |
| Nationwide | $5,500 – $8,500 |
After an incident
| Company | Median Annual Cost | Rate of Increase |
|---|---|---|
| State Farm | $1,800 – $3,000 | Up to 50% |
| Geico | $1,500 – $2,500 | Up to 40% |
| Allstate | $2,200 – $3,500 | Up to 50% |
| Progressive | $2,000 – $3,500 | Up to 50% |
| Nationwide | $2,400 – $3,800 | Up to 50% |
Car insurance for a bad credit
| Company | Annual Cost | Options and Discounts |
|---|---|---|
| State Farm | $1,500 – $2,500 | Defensive driving course discounts, accident-free discounts, student discounts |
| Geico | $1,300 – $2,200 | Defensive driving course discounts, multi-vehicle discounts, good student discounts |
| Allstate | $2,000 – $3,500 | Multiple policy discounts, accident forgiveness, safe driver discounts |
| Progressive | $1,800 – $3,000 | Snapshot program, multi-policy discounts, safe driver discounts |
| Nationwide | $2,200 – $3,800 | Accident forgiveness, multi-policy discounts, safe driver discounts |
Sports cars
| Company | Annual Cost | Options Offered |
|---|---|---|
| State Farm | $2,000 – $4,000 | Sports car discounts, accident-free discounts, good student discounts |
| Geico | $1,800 – $3,500 | Anti-theft device discounts, multi-vehicle discounts, good student discounts |
| Allstate | $2,500 – $5,000 | Comprehensive coverage, collision coverage, liability coverage |
| Progressive | $2,200 – $4,500 | Snapshot program, multi-policy discounts, safe driver discounts |
| Nationwide | $2,800 – $5,500 | Comprehensive coverage, collision coverage, liability coverage |
No-fault insurance laws in Lehigh Acres
Here are some key things to know about no-fault insurance laws in Lehigh Acres, FL:
- Personal Injury Protection (PIP) insurance is required in Florida.
- PIP insurance typically covers up to 80% of medical expenses and 60% of lost wages, up to a certain limit.
- Florida requires drivers to carry a minimum of $10,000 in PIP coverage and $10,000 in property damage liability coverage.
- In Florida, drivers must seek medical treatment within 14 days of an accident to be eligible for PIP benefits.
- If you are involved in an accident in Florida and you were not at fault, you may still be able to file a claim against the other driver’s liability insurance for additional damages.
The benefits to get an auto insurance
- Financial protection: Auto insurance provides financial protection in the event of an accident, theft, or damage to your car. Depending on the type of coverage you have, your policy may cover the cost of repairs or replacement of your car, medical expenses, and liability for damages or injuries you may cause to others.
- Legal compliance: Most states require drivers to have auto insurance, and driving without insurance can result in fines, license suspension, and legal consequences.
- Peace of mind: Having auto insurance can provide peace of mind knowing that you’re protected financially in the event of an accident or other unforeseen circumstances.
- Assistance in emergencies: Some auto insurance policies may provide roadside assistance or other emergency services, such as towing or jump-starting your car.
- Protection for passengers: Auto insurance may also cover medical expenses and liability for damages or injuries sustained by your passengers in an accident.
- Protection for your assets: If you are found liable for damages or injuries in an accident, car policy can protect your assets from being seized to pay for damages or legal fees.
- Discounts and rewards: Some companies offer discounts and rewards for safe driving, completing driver education courses, and other behaviors that lower your risk of accidents.
Frequently asked questions
- What are the types of insurance?
There are several types of insurance, including:
- Auto insurance: The coverage for cars, trucks, and other vehicles.
- Homeowners insurance: The coverage for damage or loss of a home and its contents.
- Health insurance: The coverage for medical expenses and healthcare services.
- Life insurance: The coverage for the financial needs of a person’s dependents in the event of their death.
- Disability insurance: The coverage for income replacement in the event of a disability.
- Liability insurance: The coverage for damages or injuries you may cause to others.
- Umbrella insurance: Additional liability coverage that extends beyond the limits of your other policies.
- When is a driver required to obtain an SR-22?
A driver is typically required to obtain an SR-22 when they have been involved in a serious driving offense, such as a DUI, reckless driving, or driving without insurance. An SR-22 is a form that verifies that the driver has the minimum required insurance coverage. Drivers who are required to file an SR-22 may face higher insurance rates and may be required to maintain the SR-22 for a certain period of time, depending on the severity of the offense.
- When is a driver required to obtain an FR-44?
An FR-44 is a form similar to an SR-22 that is required in some states for drivers who have been convicted of a DUI or other serious driving offenses. Not all states require an FR-44, but in the states that do, drivers must obtain the form as proof of insurance and maintain it for a certain period of time.
- For how long the insurance is issued?
The length of time an insurance policy is issued for can vary depending on the type of policy and the company’s policies. Some policies, such as auto insurance, may be issued for a period of six months to a year, while others, such as life insurance, may be issued for a much longer period of time, such as 10 or 20 years. It’s important to review the terms of your policy carefully to understand how long the policy is issued for and when it will need to be renewed.