Cheap Car Insurance in Florida

Cheap Car Insurance in Florida

It is mandatory to get car insurance in Florida for drivers to drive legally in the state. Different companies in Florida provide car insurance at different rates. According to data gathered by MyMoneyMyQuotes following are the cheap car insurance providers that offer car insurance at affordable rates in Florida:

Name of the Company Average annual car insurance premiums
USAA $1019
Allied $1795
State Farm $1839
Travelers $1912
Auto-Owners $2133
GEICO $2149
21st Century $2365
Hanover $2488
Esurance $2616
Direct General $2692
Mercury $2840
Allstate $2843
MetLife $2933
Safeco $2963
Kingsway America Group $3158
United Automobile $3203
Progressive $3232
Metropolitan $3567

Cheap car insurance in Florida for good drivers 

Car insurance companies may charge high car insurance premiums from drivers in Florida with histories of speeding tickets, at-fault accidents, or DUI citations. Car insurance companies in Florida provide discounts on car insurance premiums to those who have a good driving history but discount rates vary from company to company. You can save money on a car insurance policy in Florida by maintaining a good driving record. Most auto insurance companies in Florida provide a 5-10% good driver discount to those having a good driving history without violations.

  • Drivers with no traffic ticket may save $528 on car insurance premiums in Florida.
  •  Drivers may save $677 on car insurance premiums if they have an accident-free record in Florida.
  •  By maintaining a good credit history you may save $1670 on car insurance premiums in Florida. 

Cheap car insurance for inexperienced drivers in Florida

Most auto insurance providers may charge high auto insurance premiums in Florida from young or inexperienced drivers because inexperienced drivers are riskier for auto insurance companies than experienced drivers.  Auto insurance premiums in Florida vary according to the age of the drivers. Some companies charge high auto insurance costs from young drivers in Florida. 

Age Average annual auto insurance premiums with parents Average annual auto insurance premiums for young drivers alone
16 $5506 $5989
17 $5153 $5610
18 $5122 $4860
19 $4542 $3811

Affordable auto insurance in Florida for high-risk drivers

Car insurance companies in Florida charge high auto insurance premiums from those drivers who have a bad driving history as compared to the drivers those who have no at-fault accidents, speeding tickets, or DUIs. Drivers with a good driving record in Florida can save money on auto insurance policies because auto insurance companies check the driving record of the past 3 to 5 years to decide the car insurance cost. Drivers with a good driving history in Florida may get discounts on car insurance policies.

Rating factor Average annual car insurance premium
At-Fault Accident $2480
DUI $2746
Speeding Violation $2332
Bad Credit $3476

Best car insurance companies in Florida

Car insurance prices in Florida may vary from company to company. Some companies in Florida charge lower car insurance premiums than others. To get the best auto insurance policy in Florida you should check the reputation and services of the insurance companies because finding affordable car insurance policy is not just enough. You can find the best auto insurance company in Florida by comparing car insurance quotes from different car insurance providers. According to the data gathered by the MyMoneyMyQuotes following are the best car insurance providers in Florida:

  1. 21st Century
  2. Allied
  3. Allstate
  4. Amica
  5. Direct General
  6. Electric
  7. Esurance
  8. GEICO
  9. Infinity
  10. Liberty Mutual
  11. MetLife
  12. Progressive
  13. State Farm
  14. Travelers
  15. USAA

What auto insurance coverage is mandatory to purchase for drivers in Florida?

The average annual cost to get the minimum required coverage in Florida may be around $1197.  The minimum required coverage for drivers in Florida to drive legally in the state is:

Coverage type Coverage limit
Bodily injury coverage per person $10000
Bodily injury per accident $20000
Property damage per accident $10000

 The state minimum auto insurance requirements in Florida

The state minimum auto insurance coverage requirement in Florida is liability coverage.

  1. $10000 bodily injury coverage per person is required in Florida.
  2. $20000 bodily injury coverage per accident is required in Florida.
  3. $10000 property damage coverage per accident is required in Florida.

Other types of optional coverages in Florida are:

  1. Comprehensive
  2. Collision
  3. Roadside Assistance
  4. Loan/Lease Payoff
  5. Rental Car Reimbursement
  6. Medical and Funeral Services
  7. Uninsured/Underinsured Motorist Bodily Injury

Fine for driving without car insurance in Florida

If anyone caught driving without a car insurance policy in Florida then police may charge a fine.

Car insurance prices by cities in Florida

Car insurance premiums in Florida may vary from city to city. In some cities of Florida, car insurance prices are high compared to others.

City Average annual insurance premiums
West Palm Beach $3193
Hialeah $3185
Miami $3080
Miami Gardens $3053
Tampa $2995
Coral Springs $2985
Hollywood $2906
Pompano Beach $2905
Miami Beach $2903
Brandon $2887
Fort Lauderdale $2790
Miramar $2788
Pembroke Pines $2711
St. Petersburg $2709
Clearwater $2690
Davie $2652
Port St. Lucie $2390
Spring Hill $2346
Orlando $2307
Jacksonville $2249
Lakeland $2205
Palm Bay $2089
Tallahassee $2077
Cape Coral $2030
Gainesville $1845

If you are looking for a car insurance deal in Florida, you can compare car insurance quotes provided for free by MyMoneyMyQuotes.com to get yourself the best possible deal.

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