Finding Affordable Auto Insurance In Florida: Tips And Tricks

Florida is one of the most expensive states for car insurance, with drivers paying 68% more than the national average. The average cost of a 6-month policy is $1841. However, there are ways to find cheaper car insurance in Florida.

The Zebra recommends State Farm as the best overall option for Florida drivers. State Farm has great customer satisfaction ratings, affordable prices, and good coverage options.

For those looking for the cheapest liability coverage in Florida, Travelers offers an average monthly cost of $169, which is cheaper than the state average of $244.

For full coverage, Travelers is also the cheapest option, with an average monthly cost of $168.

For young drivers, Geico is the cheapest option, with an average monthly cost of $89 for minimum coverage.

For drivers with a DUI, Travelers is again the cheapest option, with an average monthly cost of $292.

For drivers with poor credit, UAIC has the best rates, with an average monthly cost of $241 for full coverage.

Cheapest car insurance in Florida

Car insurance in Florida is 68% more expensive than the national average, with drivers paying an average of $1841 for a 6-month policy. This is due to a number of factors, including the state's higher levels of insurance fraud, its larger-than-average number of uninsured drivers, congested highways, costly repairs, escalating medical expenses, and severe weather hazards.

Cheapest car insurance companies in Florida

The cheapest car insurance companies in Florida are State Farm and Geico, with average annual rates of $1,652 and $1,634 respectively. For full coverage, Progressive and State Farm offer the best rates, with Progressive's average annual rate being $1,711 and State Farm's being $1,652.

Cheapest car insurance for young drivers in Florida

Young drivers in Florida pay more than twice as much for car insurance as 30-year-old drivers. Geico is the cheapest car insurance company for 18-year-old drivers in Florida, with an average rate of $89 per month.

State Farm has the cheapest full coverage insurance in Florida after a speeding ticket, with an average rate of $176 per month. After an accident, State Farm is also the cheapest option, with an average rate of $190 per month.

Travelers has the most affordable car insurance in Florida for drivers with a DUI, with an average rate of $292 per month.

Cheapest liability insurance in Florida

Florida is a no-fault state, meaning drivers are required to carry personal injury protection (PIP) coverage to cover medical expenses arising from an accident, regardless of who is at fault. Drivers are also required to carry property damage liability insurance.

The cheapest liability insurance in Florida is offered by Geico, with an average annual rate of $650 for minimum-coverage policies. This is $600 cheaper than the state average.

State Farm is another good option for cheap liability insurance in Florida, with an average annual rate of $1,652. State Farm also has the lowest sample rates for drivers with a speeding ticket, a single accident on their record, and a DUI.

Cheapest full coverage insurance in Florida

Full-coverage car insurance in Florida is not cheap. The average monthly cost is $304, which is 18% less than the national average. However, there are a few insurance companies that offer more affordable rates.

GEICO

GEICO offers the cheapest full-coverage car insurance in Florida, with rates that average $156 a month. This is 49% less than the state average.

State Farm

State Farm is another good option for full-coverage car insurance. Their rates are slightly higher than GEICO's, but they are still well below the state average. State Farm is also a good choice if you have a less-than-perfect driving record, as they offer the lowest rates for drivers with a speeding ticket, at-fault accident, or DUI.

Progressive

Progressive is another insurance company that offers competitive rates for full-coverage car insurance in Florida. They are worth considering when shopping for insurance, especially if you are looking for a balance of affordable rates and good customer service.

Allstate

Allstate is a good option for young drivers in Florida, as they offer the cheapest rates for this age group. They also have low rates for drivers with prior incidents, such as accidents or speeding tickets.

When shopping for full-coverage car insurance in Florida, it is important to compare quotes from multiple companies, as rates can vary significantly. It is also a good idea to ask about discounts that you may be eligible for, such as safe driving, bundling, or vehicle safety features.

Cheapest car insurance in Florida for seniors

Florida is one of the most expensive states for car insurance, with drivers paying nearly 86% more than the national average. The average cost of minimum coverage in Florida is $1,055 per year, while full coverage averages $3,451.

The cheapest car insurance for seniors in Florida is offered by State Farm. The average rates for married 60-year-old females and males in Florida are $2,246 and $2,243 per year, respectively. State Farm is the cheapest car insurance carrier for this age group. Its average annual rates are $1,487 for both males and females.

State Farm also has the cheapest average annual rates for car insurance in Florida, with a sample rate of $1,652 per year (or $138 per month).

Cheapest car insurance in Florida for young drivers

Young drivers in Florida are likely to pay more for their car insurance than older drivers, as insurers consider them to be high-risk. However, there are still ways to find affordable coverage. Here are some of the cheapest car insurance companies in Florida for young drivers:

• Geico: Geico is the cheapest insurer for drivers aged 16 to 25, with an average rate of $1,507 per year for minimum coverage.
• Allstate: Allstate offers the most favourable rates for teen drivers, with an average annual rate of $3,805 for females and $4,078 for males.
• State Farm: State Farm has the lowest sample rates in several driver categories, including drivers with a speeding ticket, a single accident on their record, and a DUI.
• Progressive: Progressive offers some of the cheapest car insurance rates in Florida.
• National General: National General is another company that offers affordable rates for young drivers.

To get the cheapest car insurance in Florida, it is recommended to get quotes from different companies, seek discounts, maintain a clean driving record, and consider a higher deductible.

Frequently asked questions