You’ll need car insurance to confidently navigate Florida’s highways, especially considering that an estimated 1 in every 5 drivers doesn’t have auto insurance, according to 2019 data from the Insurance Research Council.
But finding cheap car insurance in the Sunshine State isn’t always easy. The average cost of full coverage in Florida is the second highest in the country, according to our analysis.
The best way to get affordable car insurance is by comparing multiple auto insurance quotes from a variety of insurers, and we’ve already done the hard work of narrowing down the cheapest companies for a variety of ages and driving histories.
Best Car Insurance in Florida
It’s important to find low auto insurance premiums, but that’s not the whole game. An insurance policy is a serious commitment. These insurance companies offer solid car insurance quotes, but they also earn high ratings for financial stability and customer service, characteristics that the best car insurance companies all share.
Cheapest Liability Auto Insurance in Florida
Sometimes, minimum coverage is all you need. These companies have the cheapest liability insurance policies in the Sunshine State. Property damage liability covers damage to others’ property that you are responsible for if you are at fault in a car accident. And personal injury protection (PIP) covers you and your passengers’ medical expenses, regardless of fault.
Cheapest Car Insurance for 16-year-old drivers
Drivers who just turned 16 and starting may have to get a lot of quotes to find the best cheap car insurance rates. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it’s best to shop around to find them.
Events that can impact your cheap rates in Florida
Life changes rapidly, and when it does, your auto insurance needs may change as well. Life events can present an opportunity to shop your car insurance with different carriers to make sure your company and coverage types still fit your needs. You may want to consider shopping for a cheaper policy if you have recently:
- Added a teen driver: Teen drivers are considered high-risk drivers due to their inexperience behind the wheel. Because of this, insurers tend to charge higher premiums for teen drivers. If you have a young driver on your policy, you may want to get quotes from multiple companies and take advantage of teen driver discounts, like a good student discount, to offset your premium increase.
- Received a speeding ticket: Speeding can increase the risk of causing an accident and make accidents more severe. Because of this, you could see an increase in your car insurance premium. But because each insurer approaches rating differently, shopping your coverage could help you find a company that does not penalize you as heavily for your ticket.
- Involved in an at-fault accident: At-fault accidents tend to increase your insurance rates for three to five years. But just like with speeding tickets, not all companies rate at-fault accidents in the same way, and you may be able to find a company that offers lower rates even with your accident.
- Deemed a high-risk driver: Numerous scenarios can cause insurance companies to give you a high-risk driver profile, including having multiple accidents or tickets, a lapse in coverage or a DUI conviction. While high-risk drivers may have limited options for car insurance, you could still shop around and take advantage of discounts to lower your premium. You could even consider switching to owning a cheaper vehicle.
Cheapest cities in Florida for minimum coverage
Your geographic location has a significant impact on your premium, even within a state. Individual cities often have different rates based on the risk factors in that area. Even your ZIP code can change your premium. Your area’s likelihood of accidents, the cost of medical care in your area and the population density can all impact premiums. Urban areas like Jacksonville and Miami tend to have higher premiums due to crowded roads and a higher cost of living.
Cheapest cities in Florida for full coverage
Location can also impact full coverage premiums. Like with minimum coverage, more densely populated areas or areas with heavy tourism, like Tampa, generally have higher premiums. But because full coverage includes coverage for damage to your vehicle, more factors affect the price you pay. The incidence of vehicle theft, damaging weather events and the cost of parts and labor for vehicle repairs could increase your full coverage premium.
Minimum coverage requirements for Florida drivers
Like most states, drivers in Florida have to carry at least a minimum amount of coverage to drive legally. Because Florida is a no-fault state, these include:
$10,000 personal injury protection (PIP)
$10,000 property damage liability per accident
Bodily injury liability, which is a required coverage in most states, is not required in Florida. However, Florida drivers must prove their ability to pay for damages they cause in an accident. While you can do this without purchasing bodily injury coverage — you could post a surety bond, for example, if your net worth is high enough to qualify — insurance is generally the easiest way to satisfy this “financial responsibility law.”
The minimum requirements for bodily injury coverage, if you choose to purchase insurance, are:
$10,000 bodily injury liability per person
$20,000 bodily injury liability per accident
Florida insurance companies must also offer you uninsured motorist coverage, but you can decline this coverage in writing. This coverage option gives you financial protection in case you are hit by uninsured drivers.
Although minimum coverage often results in lower premiums, most insurance agents recommend that you purchase higher limits to obtain greater financial protection. Additionally, minimum coverage does not include comprehensive coverage or collision coverage, which pays for damages to your vehicle. Policies with these coverage options are often referred to as “full coverage” policies. If you finance or lease your vehicle, your financial institution will likely require you to carry full coverage.
Here is how to find (and keep) cheap car insurance in Florida
Due to the Sunshine State’s high average premiums, finding affordable rates could be a priority for many drivers. However, once you’ve found a cheap car insurance policy, keeping your rates low is another matter entirely. Here are some tips to find and keep cheap car insurance in Florida:
Understand your needs: Different drivers and households have different insurance needs. Assessing your individual needs and wants could help you find a few insurance providers that fit your unique situation. You can then compare a few quotes to find the best price for the coverage you need.
Drive safely: Drivers with clean driving records and safe driving habits often avoid the surcharges that come with at-fault accident claims and tickets. Driving safely could also mean you qualify for safe-driver or claims-free discounts, which could save you even more money.Florida Car Insurance Rates by Driving and Accident History
Your driving history has an important influence on your car insurance rates. But just because you have a DUI, speeding ticket, or an at-fault accident on your driving record—or all of the above—doesn’t mean that cheap auto insurance is out of reach. The way to find the best insurance policy for your driving history is to shop around carefully by comparing quotes.
Cheap Car Insurance for Good Drivers in Florida
It’s no surprise that good drivers get some of the cheapest auto insurance rates out there. These insurance companies are lining up to provide insurance coverage to Florida drivers with clean driving records.
SR-22 Insurance in Florida
The state of Florida has two special insurance certificates that you may need to reinstate your driver’s license if you get it revoked for a serious violation. Called an SR-22—or FR-44 for DUIs and drug-related offenses—this high-risk insurance will definitely hike your car insurance rates. But these companies can help get SR-22 and FR-44 drivers affordable car insurance.
Cheap Car Insurance for Drivers with an At-Fault Accident in Florida
If you’re involved in an at-fault accident, there’s no question your car insurance rates will go up. But not all companies will treat car accidents the same. Take Progressive, which has a strong accident forgiveness policy. These other companies have the cheapest auto insurance quotes for Florida drivers with an at-fault accident on their driving record.
Cheap Car Insurance for Drivers with Speeding Tickets in Florida
With a speeding ticket on your driving history, you won’t be offered the cheapest car insurance right off the bat. It’ll take some extra bargain hunting. These average rates are car insurance quotes for drivers with speeding tickets in the state of Florida. To get cheap insurance premiums despite that time your foot got a little heavy on the gas, we will make sure to check all of our carriers and find you the best and cheapest car insurance options.
Florida Car Insurance Rates by Credit Tier
Your credit score can help you get cheap car insurance if it’s really good—but if you have poor credit, don’t despair – there’s always a way to raise your credit score. In Florida, an excellent credit score can bring your average rates down nearly $140 per month. Raising your credit score is an awesome way to get cheap car insurance.
Car Insurance Rates in Florida Cities
Boca Raton
Daytona Beach
Fort Lauderdale
Hollywood
Jacksonville
Miami
Miami Beach
North Miami Beach
Orlando
Palm Coast
Tallahassee
Tampa
Saint Johns
St. Petersburg
Hialeah
Port St. Lucie
Cape Coral
Pembroke Pines
Gainesville
Miramar
Coral Springs
Palm Bay
West Palm Beach
Clearwater
Brandon
Lehigh Acres
Spring Hill
Lakeland
Pompano Beach
Miami Gardens
Riverview
Davie
Sunrise
Deltona
Alafaya
Plantation
Deerfield Beach
Fort Myers
Town ‘n’ Country
Melbourne
Largo
Homestead
Boynton Beach
Kendall
Kissimmee
The Villages
Doral
North Port
Lauderhill
Tamarac
Poinciana
Weston
Delray Beach
Pine Hills
Wesley Chapel
Ocala
Port Orange
Wellington
Palm Harbor
Sanford
Jupiter
Port Charlotte
North Miami
Fountainebleau
The Hammocks
Palm Beach Gardens
St. Cloud
Margate
Horizon West
Coconut Creek
Westchester
Four Corners
Bradenton
Kendale Lakes
Apopka
Sarasota
Pensacola
Tamiami
Bonita Springs
Pinellas Park
University
Country Club
Coral Gables
Winter Haven
Titusville
Fort Pierce
Ocoee
Winter Garden
Altamonte Springs
Cutler Bay
University CDP
North Lauderdale
Oakland Park
Greenacres
Meadow Woods
Ormond Beach
Clermont
North Fort Myers
The Acreage
Hallandale Beach
Navarre
Aventura
Oviedo
Plant City
Princeton
Royal Palm Beach
Winter Springs
Lake Worth
Valrico
Riviera Beach
DeLand
Estero
South Miami Heights
Egypt Lake-Leto
Kendall West
Dunedin
Lauderdale Lakes
Land O’ Lakes
Richmond West
Parkland
Merritt Island
Cooper City
Carrollwood
West Little River
Panama City
Golden Glades
East Lake
Fruit Cove
Dania Beach
Lakeside
Oakleaf Plantation
Sun City Center
Lake Magdalene
Miami Lakes
Buenaventura Lakes
New Smyrna Beach
Ferry Pass
Winter Park
Fleming Island
Casselberry
Ruskin
Citrus Park
East Lake-Orient Park
Vero Beach South
Rockledge
Crestview
Leesburg
Palm Springs
South Bradenton
Bayonet Point
Temple Terrace
Haines City
University Park
Key West
Leisure City
Wright
Palm River-Clair Mel
Apollo Beach
Westchase
West Melbourne
Palm City
Bellview
Venice
Golden Gate
Keystone
Tarpon Springs
Oak Ridge
Sebastian
Ives Estates
Holiday
Silver Springs Shores
Pace
Fish Hawk
Immokalee
Palmetto Bay
Hunters Creek
Jacksonville Beach
Ensley
Lutz
Port St. John
Brent
Wekiwa Springs
The Crossings
Eustis
Coral Terrace
Edgewater
Hialeah Gardens
Northdale
Bloomingdale
Nocatee
Sunny Isles Beach
DeBary
World Golf Village
Palm Valley
Jasmine Estates
Florida Ridge
Lealman
West Pensacola
Fort Walton Beach
Englewood
Glenvar Heights
Bayshore Gardens
Ojus
Midway CDP
Maitland
Punta Gorda
Seminole
Sweetwater
Bartow
Naples
Cocoa
Tavares
Lake Butler
Lynn Haven
Gibsonton
San Carlos Park
Groveland
Pinecrest
Panama City Beach
Stuart
Pinewood
Myrtle Grove
Zephyrhills
Safety Harbor
Country Walk
Iona
Lake Mary
New Port Richey
Belle Glade
Viera West
Brownsville
Three Lakes
Opa-locka
West Lealman
Lake Wales
Vero Beach
Mount Dora
Southchase
Lady Lake
Sunset
Upper Grand Lagoon
Niceville
Marco Island
Wildwood
South Venice
Auburndale
Fruitville
Thonotosassa
Warrington
West Park
Longwood
Gladeview
Oldsmar
Key Biscayne
Forest City
Gonzalez
Elfers
Bellair-Meadowbrook Terrace
St. Augustine
East Milton
Homosassa Springs
Yulee
Azalea Park
Lockhart
Destin
Miami Springs
Minneola
Cypress Lake
Conway
Atlantic Beach
Naranja
Palmetto Estates
Goldenrod
Palmetto
Hobe Sound
North Palm Beach
Florida City
Fernandina Beach
Callaway
Holly Hill
Hudson
Middleburg
Olympia Heights
South Daytona
Mango
Villas
Jensen Beach
Orange City
Jupiter Farms
Cheval
Sarasota Springs
Lakewood Park
Key Largo
Highland City
Lake City
Doctor Phillips
Lakeland Highlands
Laurel
South Miami
Trinity
Gulfport
Shady Hills
Viera East
Miami Shores
Lantana
Goulds
Wilton Manors
Westwood Lakes
Cocoa Beach
Satellite Beach
Sugarmill Woods
Progress Village
Celebration
Pine Castle
Pasadena Hills
Gulf Gate Estates
Pine Ridge
Asbury Lake
New Port Richey East
Medulla
Sebring
Fairview Shores
West Perrine
Alachua
Lighthouse Point
Fuller Heights
Union Park
Palatka
Port Salerno
Gateway
Citrus Springs
Milton
Cypress Gardens
Rotonda
West Vero Corridor
Cape Canaveral
Beverly Hills
Bee Ridge
Westview
Bardmoor
Bithlo
Green Cove Springs
Marathon
Avon Park
Pebble Creek
Micco
Wimauma
Citrus Hills
Hernando
Palm Beach
North Weeki Wachee
Orange Park
Lake Park
Davenport
Memphis
Indian Harbour Beach
Richmond Heights
Brooksville
St. Pete Beach
St. Augustine Shores
Westgate
Seffner
Fruitland Park
Beacon Square
Fern Park
North Bay Village
Odessa
Springfield
Wedgefield
Miramar Beach
McGregor
Quincy
Williamsburg
Broadview Park
Lely Resort
Southwest Ranches
Inverness
Longboat Key
Arcadia
Newberry
Mims
Clewiston
Ormond-by-the-Sea
Macclenny
Dade City
West Miami
Sky Lake
Neptune Beach
Lake Lorraine
Islamorada, Village of Islands
Belle Isle
Inwood
Fort Pierce North
Perry
Heathrow, Orlovista, and Willow Oak
St. Augustine Beach and South Apopka
Live Oak
Inverness Highlands South
Osprey
Pelican Bay
Mascotte
Treasure Island and Indian River Estates
Indiantown
Balm
River Park
South Patrick Shores
Kathleen
West Samoset
Sanibel
Lake Alfred
Ocean City
Gulf Breeze
Lecanto
Southeast Arcadia
Southgate
Pembroke Park
Marianna
High Springs
Lauderdale-by-the-Sea
Tequesta
South Gate Ridge
Cocoa West
Jan Phyl Village
Bay Harbor Islands
DeFuniak Springs
Combee Settlement
Orangetree
Freeport
Lochmoor Waterway Estates
Starke
Fort Myers Shores
Crystal Lake
Surfside
Fort Myers Beach
Nassau Village-Ratliff
Fussels Corner
Zephyrhills West
Pahokee
Gifford
Three Oaks
Siesta Key
Port LaBelle
Warm Mineral Springs
Loughman
Belleview
Rio Pinar
Sawgrass
South Pasadena
Connerton
Floral City
Okeechobee
Dundee
Fort Pierce South
Daytona Beach Shores
Timber Pines
Flagler Beach
South Sarasota
Naples Manor
River Ridge
Fort Meade
Naples Park
St. Augustine South
Ridge Wood Heights
Kenneth City
The Meadows
Plantation CDP
Palm Springs North
Bay Hill
South Highpoint
Hutchinson Island South
Zephyrhills South
Butler Beach
LaBelle
Wauchula
Samsula-Spruce Creek
South Bay
Tice and Crawfordville
Whiskey Creek
Fellsmere
Moon Lake
Valparaiso
Ridge Manor
Stock Island
Brookridge
Big Pine Key
Grant-Valkaria
Taylor Creek
Bagdad
Buckingham
Mount Plymouth
Wahneta
Lower Grand Lagoon
Laguna Beach
South Brooksville
Highland Beach
June Park
Belleair
West Bradenton
Indian River Shores
Samoset
Ellenton
Pine Manor
Cortez
Suncoast Estates
Holden Heights
Woodville
Alturas
Lake Panasoffkee
Parker
Mary Esther
Lake Sarasota
Mulberry
West DeLand
Madeira Beach
Vineyards
St. James City
High Point
Wallace
Juno Beach
Tierra Verde
Pea Ridge
Charlotte Harbor
White City
San Castle
South Beach
Kensington Park
Lely
Umatilla
Indian Rocks Beach
Chipley
Jasper
Feather Sound
Lake Clarke Shores
Flagler Estates
Midway
Oakland
North Brooksville
Watergate and North River Shores
Point Baker
Cleveland
Harbour Heights
Venice Gardens
Crystal River
Goulding
Ponce Inlet
Port St. Joe
Loxahatchee Groves
Montura
Tiger Point
Clarcona
Bunnell
Dover
Tangerine
Melbourne Beach
Nokomis
Cedar Grove
Winter Beach
Biscayne Park
Sharpes
Bay Pines
Bal Harbour
Port Richey
Bushnell
Windermere
Watertown
Holmes Beach and Indialantic
Eagle Lake
Eglin AFB
Dade City North
Whitfield
Williston
Hilliard
Ridgecrest
Chattahoochee
Malabar
Geneva
Madison
Pretty Bayou
Frostproof
Big Coppitt Key
Meadow Oaks and Lake Helen
Vamo
Island Walk
Bonifay
Zellwood
Roosevelt Gardens
Woodlawn Beach
Alva
Polk City and Verona Walk
Inverness Highlands North
Greenbriar
Hypoluxo
Edgewood
Charlotte Park
Zephyrhills North
Harbor Bluffs
De Leon Springs
Eastpoint
Campbell
Carrabelle
Williston Highlands
Monticello
Villano Beach
Seminole Manor
Tavernier
Chuluota
Grenelefe
Holley and Manatee Road
Cabana Colony
Tangelo Park
Hernando Beach
Harlem
Christmas
North Sarasota
Bowling Green
Virginia Gardens
St. Leo
Lake Placid
Eatonville
Apalachicola
Chiefland
Belleair Bluffs
Homosassa
Olga
Blountstown
Taft
Gotha
Hill ‘n Dale
Quail Ridge
Wabasso Beach
Pine Air
Haverhill
Redington Shores
Grove City
Heritage Pines
Glencoe
Graceville
Mangonia Park and Atlantis
Desoto Lakes
Silver Lake
Lake Belvedere Estates
Wewahitchka
Fort Denaud
East Bronson
Cudjoe Key
Trenton
Sewall’s Point
Hillsboro Beach
El Portal, Lake Butler city, and Oak Hill
Royal Palm Estates
Malone
Washington Park
Pine Island Center
Harlem Heights
Dunnellon
Bear Creek
Crooked Lake Park
Burnt Store Marina
Astatula
Bokeelia
Ocean Ridge
Lake Mary Jane
Astor
Havana
Zolfo Springs
Pine Ridge CDP
Century
Sneads
Cross City
Key Vista
Oriole Beach
Montverde
Crescent City
Howey-in-the-Hills
Belleair Beach
Wabasso
Punta Rassa
Roseland
East Palatka
Moore Haven
Pierson
Lake Hamilton
Callahan
Midway CDP
North DeLand
Buckhead Ridge
Yalaha
North Redington Beach
Hawthorne
Inglis
South Palm Beach
Plantation Mobile Home Park
Boulevard Gardens
Keystone Heights
Interlachen
Kenwood Estates
North Key Largo
Baldwin
Redington Beach
Gretna
Babson Park and Palm Beach Shores
Manasota Key
Limestone Creek
Patrick AFB
San Antonio
Molino
Crystal Springs
Hastings
Paradise Heights
Black Diamond
Palmona Park
Palm Shores
Black Hammock
Indian Shores
Juno Ridge
Fanning Springs
Bronson and Archer
Weeki Wachee Gardens
Lacoochee
Navarre Beach
Masaryktown
Five Points
Chumuckla
Medley and DeLand Southwest
Mayo
Lake Hart
Steinhatchee
Cypress Quarters
Franklin Park
Allentown
Homestead Base
Lake Mack-Forest Hills
St. George Island and Lake Kathryn
Rio and Paisley
Stacey Street
Anna Maria
Golden Beach
Gulf Stream
Bristol
Mexico Beach
Harold
Bradenton Beach
Westlake
Grand Ridge
Cottondale
Center Hill and Waldo
Sorrento
Crescent Beach
Andrews
Penney Farms
Pine Lakes
Gun Club Estates
Jupiter Island
Schall Circle
Key Colony Beach
Pomona Park
East Williston
Webster
Garden Grove
Pioneer
Jennings
Page Park
Greenville
White Springs
Shalimar
Panacea
Vernon
Duck Key
Avalon
Welaka
Branford
Cedar Key
Melbourne Village and Wiscon
Solana
Waverly
Micanopy
Coleman
Lemon Grove
Lawtey
Fort White
St. Lucie Village
Roeville
Matlacha
Yankeetown
Laurel Hill
Seville
Fisher Island
Paxton
Hosford
Ferndale
Bradley Junction
Sea Ranch Lakes
Greenwood
Brownsdale
Jay
Bell
Orchid
Lake Mystic
Ponce de Leon
Briny Breezes
Altha and Hillsboro Pines
Alford
Tildenville
Beverly Beach
Pineland
Spring Lake
McIntosh and Glen St. Mary
Greensboro
Garcon Point and Cinco Bayou
Reddick
Spring Ridge
Trilby
Hampton
Sopchoppy
Manalapan
Jupiter Inlet Colony
Acacia Villas
Worthington Springs
Lee
Wausau
Gardner
Wacissa
Raleigh
Everglades
Berrydale
Chokoloskee
Canal Point
Esto
Windsor
Munson
Mulat and Brooker
Aripeka
Floridatown
Captiva
La Crosse
Goodland and Whitfield CDP
Homeland
Ocean Breeze and Caryville
St. Marks
Westville
Waukeenah
Golf
Pine Level
Highland Park
Hillcrest Heights and Mount Carmel
Okahumpka
Ebro
Charleston Park and Yeehaw Junction
Nobleton
Lisbon
Pittman and Matlacha Isles-Matlacha Shores
Raiford
Jacob City and Glen Ridge
Layton
Noma
Ona
Dixonville
Campbellton
Fort Green Springs
Sumatra and Lloyd
Lamont
Springhill
Horseshoe Beach and Morriston
Dickerson City
Limestone
Tyndall AFB
Fidelis
Cloud Lake
Istachatta
Plantation Island
Otter Creek
Aucilla
Altoona
Lake Lindsey
Day
Bascom
Indian Creek
Fort Green and Cobbtown
Belleair Shore
Pine Island
Lake Harbor
Bayport
Lazy Lake
Bay Lake
Lake Buena Vista
Weeki Wachee
Marineland
Orlando is the city where dreams come true. But if your dreams include affordable car insurance, you won’t be so lucky. Not surprisingly, Miami and Tampa are the most expensive cities for Florida drivers to buy liability coverage. In north Florida: Jacksonville, Fernandina Beach, Nocatee, Ponte Vedra Beach, Orange Park, Middleburg, Lake City, St Augustine, Palm Coast, Daytona Beach, Ormond Beach, Pensacola, Tallahassee, Ocala – you’ll have the best shot at cheap auto insurance.
Florida Car Insurance Rates by Driver Age
Florida is a popular retirement destination for a reason; Florida drivers in their elder decades pay the lowest insurance premiums around. Young drivers get hit with the highest car insurance rates, as in every other state, but once you exit your 20s, your insurance premiums decline rapidly as you advance in age. Well, kids, it’s something to look forward to.
Florida Driving Facts
Every state has minimum insurance requirements, and Florida is no exception. Additionally, all drivers in Florida will have to visit their local DMV and may at some point need to rely on public transportation. The following sections break down minimum insurance requirements, DMV services, and public transit options in Florida.
Minimum Car Insurance Requirements in Florida
The minimum liability insurance requirements for private passenger vehicles are as follows:
- $10,000 no-fault or personal injury protection (PIP) insurance
Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Florida law.
- $10,000 property damage liability (PDL) insurance
If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident, up to the declared coverage limit.
Florida DMV Information
The Florida DMV goes by a bizarre acronym. It’s technically called the Florida Department of Highway Safety and Motor Vehicles (FLHSMV). Talk about word salad!
The FLHSMV is the place for Florida drivers to apply for or renew a driver’s license, pay a speeding ticket, register a vehicle and get a title, and access safety resources. They even have a podcast! There are DMV locations in all of the state of Florida’s 67 counties, and many of the services you can get in person are also available online.
Public Transportation in Florida
Buses help Floridians navigate most of the cities and counties with affordable service. Trolleys are also a widespread transportation option in town, and more cities are following in Miami’s footsteps and offering bikesharing programs so you can cruise from the beach to the bar at a low cost.
Florida New Car Insurance Grace Period / What is a new car insurance grace period in Florida?
Most insurance companies provide policyholders with a grace period to insure a new vehicle—though these policies vary by state law and insurance provider. Florida drivers typically have somewhere between 2 and 30 days to insure their new vehicle, but no Florida law sets a specific grace period. For this reason, drivers should check for specifics with their provider.
Despite having a grace period to insure their new vehicle, Florida drivers should prioritize insuring their car shortly after purchasing it to ensure they do not overlook the requirement. Failure to insure a car in Florida can result in high premiums for a future policy and increased financial risk in the event of an auto accident or offense occurring after the set grace period.
What happens if you have a traffic incident or accident during the grace period?
No one plans on having a car accident or receiving a ticket for a traffic offense, but it happens—even with a brand-new car. Florida drivers with existing insurance coverage who get into an accident or traffic offense during their provider’s grace period will not be treated as uninsured motorists. The amount of coverage extended may vary by provider.
In the event of an accident or traffic violation by drivers in the new car grace period, insurance providers typically extend the policyholder’s existing insurance coverage plan for the new vehicle. The driver will still be expected to cooperate with any necessary state penalties or fines in relation to the event, and uninsured motorists will face heavier penalties for the incident.
Is a grace period a good time to reevaluate your insurance coverage?
Yes, it is always a good idea to check in on your insurance needs when purchasing or renewing an auto insurance policy. Premiums from all insurance providers fluctuate over time, so a policy that worked for you a year ago may be more costly now. We represent a variety of Florida reputable auto insurance carriers which allows us to easily shop around and compare insurance rates to find the most affordable coverage for their needs.
Best Home and Auto Insurance in Florida
Many Floridians own their homes, around 68 percent, in fact, according to the United States Federal Reserve, and need both home and auto insurance coverage. Insurance companies that offer both home and auto coverage typically provide bundling discounts for customers to save. Rather than paying two separate premiums for more, customers can pay one for less.
How to Find the Cheapest Home and Auto Insurance in Florida
Before locking in the decision to bundle policies, individuals shopping around for insurance must consider affordable policies from companies that best match their insurance needs.
Best and Cheapest Car Insurance Companies for Home and Auto Insurance Bundling in Florida
Costs of home and auto insurance policies vary. On average, Floridians pay $299 monthly for home insurance and $331 monthly for car insurance, and both averages exceed the national average rates.
How much do Floridians save by bundling home and auto insurance?
On average, Floridians save between 5 and 15 percent on premiums by bundling their home and auto insurance, according to the Insurance Information Institute. That said, some insurance providers tout up to 30 percent in discounts. Ultimately, the amount of money saved through bundling will depend on both the individual and the insurance provider.
How to Get the Cheapest Car Insurance in Florida
The cheapest car insurance doesn’t always go to the drivers with the clean driving record and most stellar credit score. The Florida drivers who take the time to compare quotes from as many insurance companies as possible and hunt for the best insurance discounts are rewarded with the lowest auto insurance premiums.
Frequently Asked Questions / FAQs:
Is auto insurance mandatory in Florida?
Florida has mandatory liability insurance that takes two forms: personal injury protection (PIP), which covers your medical expenses no matter who is at fault in the accident (this is why Florida is called a no-fault state); and property damage liability coverage (PDL). Florida drivers need $10,000 of PIP and PDL to meet the minimum coverage requirements.
How do I find cheap car insurance in Florida?
Full-coverage car insurance is the most expensive policy you can buy, so if you drive a beater and are really on a budget, you’ll get better rates with minimum liability coverage or by lowering your deductible. But the surefire way to get the best car insurance rates is to compare car insurance quotes from all the insurance providers you can find.
How much does car insurance cost in Florida?
On average, car insurance premiums are $331 per month in Florida. But that will vary depending on your coverage options, credit score, driving history, the value of your vehicle, the coverage limits you need, and whether you drive in Miami or elsewhere.
What drives up car insurance premiums in Florida?
With one of the highest rankings for distracted driving and overall accidents, Florida sees insurance providers charge high rates for Florida auto insurance. It is a crowded state with a huge population and cities congested with traffic, all of which contribute to making auto insurance rates consistently higher than the national average.
Do I need Personal Injury Protection (PIP) coverage in Florida?
Yes, minimum coverage requirements under Florida law stipulate that you must have $10,000 of personal injury protection (PIP) on your car insurance policy. PIP is like bodily injury liability, but it’s for your own medical expenses rather than someone else’s since Florida is a no-fault state.
What is the best car insurance company in Florida?
Every driver has a unique rating profile. The vehicle you drive, the coverage types you choose and your driving history can all affect the company that will be best for you. Additionally, each driver may have different needs from a company. Maybe you want the cheapest coverage you can find while another driver wants a company with a highly-rated mobile app. To find the best car insurance in Florida for you, decide what features of a company matter to you and then get quotes from a few providers who could meet your needs.
What happens if I drive without insurance in Florida?
Florida requires that all drivers satisfy the “financial responsibility law.” While that can be done without buying insurance, most drivers likely opt to purchase a policy. Unless you have satisfied the law in another way, you must have a car insurance policy to drive legally in the Sunshine State. Driving without insurance in Florida could lead to fines, the suspension of your driver’s license and out-of-pocket expenses if you cause an accident.
How do I get cheap car insurance quotes in Florida?
Florida’s rates are known to be among the highest in the country. Knowing this could help you set realistic expectations for what “cheap” means in the state. Shopping around and comparing quotes from different car insurance companies is often one of the best ways to find the cheapest coverage for you. Keep in mind, though, that skimping on coverage to get a lower rate could put you in a precarious situation in the future. Working with an agent to determine appropriate levels of liability coverage, personal injury protection, uninsured motorist coverage and optional add-ons can help you get a policy that fits your needs and budget.