There are several advantages of living in the Sunshine State. Unfortunately, affordable car insurance in Florida isn’t one of them. The average car insurance cost in Florida for minimum auto insurance coverage in Florida is $903 a year. An average car insurance cost in Florida for a full insurance policy costs $2553 a year. This makes Florida the most expensive state for car insurance.
Despite what the numbers say, you will find cheap car insurance in Florida. In particular, there are a few companies known to give cheap auto insurance quotes to Florida-based drivers. To help you find the right one, we’ve put together a list of the best car insurance companies in Florida.
Minimum Required Auto Insurance Coverage in Florida
Here is the minimum amount of insurance that Florida drivers need:
Coverage Type – Florida car insurance requirements
Bodily Injury Coverage $10000 per person; $20000 per accident
Property Damage Coverage $10000
Personal injury protection $10000
Cheapest Car Insurance in Florida for Minimum Required Coverage
The auto insurance in Florida when compared to other states is on the higher side. When you are looking at car insurance quotes in Florida you might feel a bit disheartened by seeing the rates. But if you choose the right provider, you can still find a good deal. We did some research to find the best car insurance in Florida for you.
Do I Need More Than the Minimum Required State Coverage in Florida?
If you only purchase the minimum amount of car insurance required, you will pay the lowest price. However, most insurance companies recommend that Florida drivers purchase more coverage than is legally required. If you get into a severe accident, there is no guarantee that Florida’s minimum car insurance requirements will be sufficient to cover the total cost of the claim.
Although only $10,000 in personal injury protection and $10,000 in property damage liability are necessary, experts at the Insurance Information Institute caution that such low levels of coverage are problematic since you could end up paying a lot of money out of pocket if you are sued. Liability insurance of at least $100,000 per injury and $300,000 per accident is recommended by experts.
You should consider collision and comprehensive coverage if you own an expensive car. Comprehensive insurance covers non-traffic damages such as fire, theft, and natural catastrophes like floods and hurricanes. In contrast, collision insurance covers car accidents and collisions with objects such as trees or telephone poles.
Due to Florida’s high percentage of uninsured drivers, you may want to consider obtaining uninsured motorist coverage. Raising the limits of your liability coverage is worth the additional cost for most people. You’re going to pay more money in advance, but you’re less likely to pay a hefty amount of money out of pocket for a liability claim or a lawsuit if you get into an accident.
Florida Car Insurance Laws
Car insurance is required by law in Florida. All drivers must have a minimum amount of insurance coverage determined by the state. If you don’t have insurance in Florida, the penalties are expensive. Florida is a no-fault state, which means that drivers must cover personal injury (PIP).
What is PIP? What is the importance of PIP?
Personal Injury Protection, also known as “No-Fault” insurance, is required in Florida for all drivers. PIP compensates you for injuries sustained in an accident, regardless of who was at fault.
Like other states that require PIP, Florida has its own set of rules and restrictions. PIP in Florida, like in New Jersey and Michigan, covers medical expenses, lost income, and death benefits.
What does PIP cover?
PIP will cover most of the medical bills. PIP claims are available to the following people:
– Medical services and medication
– Surgical services and hospital expenses
– Rehab costs
– Diagnostic services
– Ambulatory services
Only 80% of your medical bills will be covered by PIP, making Florida unique from other states.
What is the cost of PIP?
The minimum and maximum PIP you can have in Florida is $10000. You can choose whether or not you want your PIP to cover the occupants of your household when you get a quote. We recommend comparing rates from several area insurers to find a low-cost option in either instance.
How to file for PIP?
When filing a PIP claim in Florida, rigorous guidelines are to follow.
Most importantly, any injuries must be treated within two weeks of the car collision to qualify for PIP payment. After two weeks, your claim will be rejected. Because of the high rate of insurance fraud in Florida, your insurer has up to 60 days to check your claim for any falsehoods but must pay for your damages within 30 days, even if suspicion exists.
If your case is complicated or your insurance company refuses to pay you, you may want to hire a personal injury lawyer to ensure you receive your compensation. Meanwhile, keep track of all medical bills incurred due to the accident.
You must submit a “Wage and Salary” verification form filled out by your employer to receive job loss compensation. The verification shows your earnings for the 13 weeks leading up to the accident. A lawyer may be able to assist you in ensuring that your employer completes the verification form promptly. You may also be required to obtain a note from your doctor describing your disability.
PIP laws are used in no-fault jurisdictions like Florida to minimize the number of persons suing each other for damages.
Legal Implications of PIP
Most no-fault states, including Florida, allow drivers to suit only if their injuries are disfiguring and permanent or if they have resulted in death. On the other hand, Florida allows drivers to sue even if the injury is minor, as long as the medical expenses surpass $10,000.
So, if you are wounded in an accident and your hospital bills total $20,000, you can sue the other driver for the $10,000 that your PIP does not cover. You have the right to sue them for whatever emotional distress you believe the injuries have caused you.
Given the average cost of a hospital stay following an accident, it’s usually a good idea to have a lot of bodily injury liability coverage on your policy. While Florida does not require this coverage, the other motorist can sue your bodily injury insurance rather than you personally if you are sued for exorbitant medical expenditures.
What is MedPay? What is the importance of adding MedPay?
Medical Payments, sometimes known as MedPay, are similar to PIP. It is without the financial benefits. Since the limitations are lower in Florida, it is worth adding to your insurance. MedPay can pay 20% of your costs that PIP won’t cover. MedPay can also help you pay down your PIP deductible.
Florida Auto Insurance Requirements
In Florida, you must present proof of Personal Injury Protection (PIP) and Property Damage Liability (PDL) auto insurance before you may register a car. No matter who caused the accident, PIP pays 80% of all required and reasonable medical expenses up to $10,000 arising from a covered injury. Damage to another person’s property caused by you or someone else driving your insured car is covered under PDL coverage.
An insurance company authorized to sell policies in Florida must issue proof of PIP/PDL coverage. Any car with a current Florida registration must have PIP and PDL coverage at registration.
A minimum of $10,000 in PIP AND $10,000 in PDL is required. Even if the car is not being driven or is inoperable, you will have continuous coverage. Before canceling your insurance, you must surrender your license plate/tag.
Purchase the insurance policy from a Florida-licensed insurance company. If you’re new to Florida, ask your agent to convert your current coverage to a Florida one. Maintain ongoing Florida insurance coverage throughout registration, regardless of where the car is parked.
Auto Insurance Coverage Types / Coverage Type – What it Does?
> Liability coverage – Your legal defense is covered if a lawsuit is filed against you due to an accident. > Property damage and bodily injury are two forms of liability coverage that must be included in your insurance policy if you live in Florida.
> Property damage – If you are held legally responsible for an accident, this policy protects your assets, and it protects you against certain types of harm to another person’s property or car.
> Bodily injury – If you’re held legally responsible for an accident, it protects your assets, including some expenses related to bodily harm suffered by the other parties.
> Comprehensive – When non-collision-related accidents cause physical damage to your car, this sort of Florida auto insurance coverage is used to fix it (subject to deductible).
> Collision – When your car sustains physical damage due to a collision with another car or item, collision coverage is utilized to fix it (subject to deductible).
> Uninsured/underinsured motorist – Protects you if the other party is at fault in an accident and either does not have insurance or is underinsured.
Proof of Auto Insurance in Florida
Insurance ID cards must be kept in your automobile at all times and presented to authorities upon request or following an accident. If you refuse to cooperate, the police may give you a ticket for failure to provide evidence of insurance.
Insurance firms are required by the Florida Department of Highway Safety and Motor Vehicles to report all-new or canceled personal injury protection policies electronically. Suppose your insurance carrier informs the department that you have canceled your policy and have not yet activated a new one. In that case, the department will send you a notification requesting updated insurance details.
If you can’t show that you replaced the insurance without a coverage gap, you’ll have to pay a $150 reinstatement fee for the first violation. Your driver’s license and license plate(s) will be suspended for up to three years if you cannot present proof of insurance.
Average Cost of Auto Insurance Companies in Florida
Various factors may influence car insurance premiums. Your age, location, driving history, and coverage level all play a role in determining your rates, which may be significantly higher or lower than these averages.
> Average driver: $2208
> Seniors: $2225
> Speeding violation: $2902
> DUI: $3763
> Poor credit score: $4371
> Students: $5001
Cheapest Car Insurance Quotes for Florida Drivers
For minimum liability, the average cost of car insurance in Florida is $2079 per year or $174 per month. Many auto insurance companies that our agency represents offer cheap car insurance quotes in Florida for minimum coverage, and some carrier’s auto insurance quotes in Florida would come up to $70 per month, 59% less than the state’s average premium.
Cheap Car Insurance Quote for Young Florida Drivers
Young drivers may pay up to $2001 more per year for minimum coverage for auto insurance in Florida than adult drivers. In our agency, we have agents that can offer you the cheapest car insurance quotes in Florida for young drivers. In Florida, some of out carrier’s rates are 59% less than full-coverage for car insurance in Florida. On the other hand, some auto insurance companies that our agency represents provide affordable coverage, charging $2052 less than the national average.
Florida insurance for young drivers is substantially more expensive, and the average cost of full coverage for these drivers is $7899. On the other hand, teenagers can still find cheap auto insurance in Florida by comparing prices from several firms.
Cheap Car Insurance for Florida Drivers with a Speeding Ticket
We represent multiple companies that offer cheap car insurance in Florida for customers who have received a speeding ticket. For these types of drivers, some of our carriers’ rates are on average 50% lower than the state average. Our agents also work with several carriers that offer low rates for drivers who have received a speeding ticket, albeit its rates may or may not be higher.
Cheap Auto Insurance for Florida Drivers After a Car Accident
For drivers who have been in one accident, our insurance agency has access to some of the best insurance companies in Florida that offer the cheapest full coverage auto insurance. Our agents have access to several reputable car insurance companies in Florida that offer monthly rates under $200 to drivers who have been in an accident.
For drivers with one accident, the average cost of vehicle insurance in Florida from a carrier may be around $2085 per year, 51% less than the statewide average for similar drivers. Some of our carriers’ rates are 53% lower than the national average, our insurance agents have access to at least two companies that can possibly offers very favorable rates, lower rates than the national average.
Cheap Car Insurance Quotes for Florida Drivers with a DUI
Several of our carriers offer the cheapest auto insurance quotes in Florida to drivers who have received a DUI. After one infraction, rates typically climb by 50%, and many companies’ rates increase by around 71%, but it’s still the lowest option for drivers with a DUI. Our agency has a large variety of carriers that offer low cost insurance quotes in Florida for drivers with a DUI.
Cheap Car Insurance for Married Florida Drivers
Married drivers frequently receive lower auto insurance rates than single drivers. In Florida, married drivers pay 6% less on average for car insurance than unmarried drivers. However, not all insurers offer the same discount.
Cheap Full Coverage Car Insurance Quotes for Young Drivers with an Accident History
Car insurance costs rise due to at-fault incidents, putting an even greater burden on adolescent drivers whose premiums are already high. For adolescent drivers who have been in an accident, our insurance agency has access to several carriers that can offer the cheapest insurance premiums on average. Some of our insurers’ rates are 64% less than the national average.
What is a Florida Good Driver Discount Policy?
If you’ve kept a clean driving record, you’re probably entitled to a discount for being a good driver – though the amount and insurance company differ. Good drivers can save anywhere between 10% and 30% on their car insurance prices. When it comes to rewarding responsible drivers, insurers adopt various techniques. The following is a breakdown of how these work:
Discount for being accident-free: Many major insurance companies provide discounts to drivers who have not had an accident in the previous three to five years.
Discount for good driving: If you haven’t had any traffic offenses in the last three to five years, your insurance company will likely give you a discount.
Discount for safe drivers: Some insurance firms combine the accident-free and violation-free discounts into a single safe driving discount for drivers who have not had any incidents or accidents in the previous three to five years.
Discount based on usage: Usage-based insurance, also known as telematics insurance, tracks your driving habits — usually through a smartphone app or a device put in your car — and discounts your premium based on your performance. Usage-based insurance is available from most major insurers.
Lower premiums: Rather than granting you a specific reduction on your premiums, some insurers will reduce your rates if you avoid an accident for a certain period.
In addition, taking a defensive driving course can typically result in a premium reduction. While most of these courses are oriented for young drivers and those over 60, several jurisdictions make them available to all drivers. They usually last only a few hours and include your state’s driving legislation as well as crash-avoidance tactics. Many courses conclude with a certificate that you can present to your insurer to obtain the defensive driver discount.
Compare Car Insurance Rates in Florida Cities and Towns
To help you get a sense of what you might pay, we evaluated hundreds of car insurance rates from over 100 Florida towns. Check out the table below to see what average auto insurance prices are in cities throughout Florida:
City Average Monthly Premium:
Boca Raton $143
Daytona Beach $91
Fort Lauderdale $146
Hollywood $153
Jacksonville $117
Miami $152
Miami Beach $119
North Miami Beach $109
Orlando $102
Palm Coast $82
Tallahassee $88
Tampa $172
Saint Johns $94
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, and 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
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How to Find the Best Car Insurance Prices in Florida
Apart from choosing a provider with affordable rates, there are other ways to find cheap car insurance in Florida. Here are a few suggestions:
> Ask for discounts: Most insurance companies offer discounts that can help drivers save money on their premiums. Every provider has various deals, but some common ones have safety features in your car, take a defensive driving course, be a safe driver, and pay your premium in full.
> Raise your deductible: By raising your deductible, you agree to pay more out-of-pocket money for a claim. However, higher deductibility means paying less for your monthly premium.
> Improve your credit score: Your credit score is one of the factors that influence your credit rating. Drivers with poor credit scores are considered high risk and pay a higher rate because of this. If you can boost your credit score, you’ll be rewarded with a lower premium.
> Shop around: Another option is to shop around for another provider who can offer you a cheaper rate. Often, insurance companies will even give you a discount on simply switching providers and signing a new policy before your old one comes to an end.
The Average Cost of Car Insurance in Florida
Compared to other states, the average cost of car insurance in Florida is $2220 per year, making it the fourth most expensive.
Reasons Why Auto Insurance Costs More in Florida
Why is Florida car insurance so expensive?
The high cost of auto insurance in Florida is due to several variables. Environmental considerations, such as traffic density and weather concerns, and driver profiles, are among them. Because Florida car insurance prices are so high, you must be proactive in comparing car insurance quotes if you live here.
You’re not alone if you’ve observed that your coverage costs have increased in recent years. The average cost of car insurance has risen across the country, and Florida’s auto insurance prices are following suit. The state’s congested roadways, higher insurance requirements, high healthcare expenditures, high-risk drivers, uninsured drivers, and extreme weather threats all contribute to this trend.
Currently, the average Florida driver spends $2220 per year or $186 per month for full coverage auto insurance. Auto insurance prices in Florida have consistently risen over the previous six years. It has risen from 43rd to 46th in terms of insurance affordability.
Things to Know About Car Insurance When Moving to Florida
Insurance is required for all cars with a valid Florida registration. Even “snowbirds” who visit Florida for more than 90 days per year must get Florida vehicle insurance.
How to Get Discounts on Car Insurance in Florida
Saving money on car insurance can add up quickly, and knowing which reductions are available may not always be evident. However, we’re lifting the veil and disclosing how you may lower your auto insurance rates.
Discounts on car accessories: Drivers with current safety equipment such as airbags, anti-lock brakes, anti-theft systems, and daytime running lamps are rewarded by auto insurers.
Discounts for loyal customers: Insurers continuously seek new ways to save money by providing additional services to their clients. If you want to insure more than one car under the same policy, multi-vehicle discounts are ideal. When you combine your homeowner and auto policies, you might save money with multi-policy discounts.
Discounts for Employer Affiliation: You may be eligible for a reduction on your auto insurance premium if you are a current or past military member, a federal government employee, a first responder, or a front-line worker.
Affiliation Discounts for Drivers: Do you belong to an alumni association, a college or university, a fraternity or sorority, leisure, business, or professional group? Whether you answered yes, check with your auto insurance company to see if you qualify for any additional savings because of your association.
Discounts for Accident-Free Driving: Your outstanding driving record may result in lower vehicle insurance rates. If you haven’t had an accident in at least five years, you may be eligible for even higher insurance discounts.
Discounts for Driver Education: Did you realize that improving your driving abilities can help you save money? A defensive driving or driver’s education course may qualify you for a discount on your auto insurance.
Frequently Asked Questions
How much is car insurance in Florida per month?
The average cost of auto insurance in Florida is $180 per month ($2162 per year) for drivers aged 30 for full coverage. That’s $33 more than the average national monthly cost of $147. The national minimum insurance plan’s average auto insurance premium is $69 a month, or $828 a year.
What is the average cost of auto insurance in Florida?
The average cost of auto insurance in Florida is $180 per month ($2162 per year) for drivers aged 30 for full coverage. That’s $33 more than the average national monthly cost of $147. The national minimum insurance plan’s average auto insurance premium is $69 a month, or $828 a year.
Is car insurance high in Florida?
Car insurance is expensive in Florida. Florida’s average auto insurance premium is $1878 a year—31.6 percent higher than the US average. Yet car insurance premiums are determined by factors other than state lines.
What is the minimum car insurance for Florida?
The minimum criteria for car insurance coverage in Florida are $10000 for personal injury protection (PIP) $10000 for property damage liability (PDL).
Who has the cheapest car insurance in Florida?
Several of our carriers provide the most affordable car insurance for most drivers, with an average annual premium of $590. Many also offer the most affordable coverage scheme for 50/100/50, which costs an average of $861 a year.
What is the basic car insurance coverage in Florida?
The basic car insurance coverage in Florida is $10000 for personal injury protection (PIP) $10000 for property damage liability (PDL).
Do you need car insurance in Florida?
Absolutely. Having a certain amount of car insurance is the law in every state except two (Virginia and New Hampshire). You must have evidence of insurance with you in Florida if you travel, and it must be up to date.
How long can I go without insurance before my license is suspended in Florida?
You must maintain the appropriate insurance coverage for the entire registration period or your driving rights, and the license plate will be revoked for up to three years.
How does PIP work in Florida?
Drivers in Florida are expected to hold at least $10000 of PIP, often referred to as Florida no-fault insurance.
What does basic auto insurance policy cover in Florida?
A basic insurance policy can offer coverage for a variety of six various fields on which you will need financial protection. They’re:
– Personal injury protection (PIP)
– Bodily injury liability
– Uninsured or under-insured motorist coverage
– Collision coverage
– Comprehensive coverage
– Property damage liability
Hopefully this article gave you a better understanding on how to look and find cheap car insurance options in Florida. For a totally free quote, please contact our insurance agency and an agent will be happy to assist you!