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:
- 21st Century
- Allied
- Allstate
- Amica
- Direct General
- Electric
- Esurance
- GEICO
- Infinity
- Liberty Mutual
- MetLife
- Progressive
- State Farm
- Travelers
- 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.
- $10000 bodily injury coverage per person is required in Florida.
- $20000 bodily injury coverage per accident is required in Florida.
- $10000 property damage coverage per accident is required in Florida.
Other types of optional coverages in Florida are:
- Comprehensive
- Collision
- Roadside Assistance
- Loan/Lease Payoff
- Rental Car Reimbursement
- Medical and Funeral Services
- 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.
