Cheapest Auto Insurance Rates in Florida for 2022 | QuoteWizard
Cheapest Auto Insurance Rates in Florida (2022)
GEICO offers the most low-cost minimum- and full-coverage policies in Florida, at $ 45 and $ 182 per month, respectively, according to our psychoanalysis .
Florida is one of the most expensive states when it comes to car insurance, but it is hush possible to find cheap coverage in the Sunshine State .
Cheapest minimum-coverage auto insurance in Florida
Florida drivers shopping for cheap minimum-coverage policies can find the most low-cost rates at GEICO, which has an average monthly premium of $ 45. The second-cheapest option is State Farm, which costs approximately $ 122 per calendar month .
| Company | Average monthly rate |
|---|---|
| GEICO | $45 |
| State Farm | $122 |
| Florida average | $152 |
| Progressive | $190 |
| Allstate | $251 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
A minimal indebtedness policy is the cheapest coverage choice because it ‘s the lowest total of protective covering you need to legally drive in your country.
Paying a few hundred dollars per month for coverage may sound appealing, it may not be the best option for your needs because this policy is meant primarily to protect other drivers and their place. In the consequence you are involved in an accident and your vehicle is totaled or badly damaged, you will likely have to pay out of air pocket for repairs .
Cheapest full-coverage auto insurance in Florida
The car insurance companies with the cheapest full-coverage cable car policy policies are GEICO and State Farm .
| Company | Average monthly rate |
|---|---|
| GEICO | $182 |
| State Farm | $264 |
| Florida average | $388 |
| Progressive | $456 |
| Allstate | $649 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
GEICO ‘s full-coverage policy is more than three times more expensive than its minimum-coverage policy. This price difference is because a full-coverage policy includes extra auspices a minimum-coverage policy does n’t include, including :
- Collision coverage: reimburses you if your car is damaged after crashing into another car or fixed object, like a pole.
- Comprehensive coverage: pays you for damages caused by events out of your control, including natural disasters and theft.
It ‘s highly recommended that you consider a full-coverage policy if your car is new or expensive. Financed and leased vehicles will probable be required to have full-coverage protection as well .
Auto insurance for young drivers in Florida
unfortunately for drivers in their teens and early on twenties, finding cheap car policy may be difficult. Young and fresh drivers are statistically more probable to be involved in accidents compared to older and more experience drivers .
Insurers charge youthful drivers significantly higher rates compared to their older counterparts. In fact, our psychoanalysis showed that the average 18-year-old driver in Florida received monthly premiums that were about three times more expensive than the average 30-year-old .
- bar chart 16 year old
- bar chart 18 class old
- bar chart 20 year old
How to get the cheapest auto insurance as a teen
Teens looking for coverage may undoubtedly run into some trouble oneself finding brassy car policy, but there are a few ways they can save :
- Combine policies with your parents. Your parents having someone classified as a high-risk driver on their insurance plan will likely increase their rates, but this option is much cheaper than having your own policy. In fact, signing onto your parents’ policy can save you an average of $99 per month, or $1,188 each year, compared to purchasing your own coverage.
- Look for discounts specifically geared towards teens. Most large insurers have savings opportunities for students who achieve good grades (usually above a 3.0 or B average) or complete safe driving courses.
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Auto insurance for senior drivers in Florida
As you get older, you accumulate more drive experience and become more comfortable behind the rack .
After you age past your mid-twenties, your policy premiums decrease until you hit your 70s, in which case your senses may start to dull and car insurance companies begin to see you as a higher risk. however, that does n’t mean that insurers do n’t respect your art behind the wheel .
- bar chart 50 year old
- bar chart 60 class old
- bar chart
70 year old
How to get the cheapest auto insurance as a senior
Seniors can find bum car policy by :
- Looking at discounts specifically geared towards older drivers. Some insurers have a discount menu specifically catered towards retired drivers or those age 55 and older.
- Consider changing the primary driver on your policy. Do you have children who regularly drive you around? If so, consider listing them as the main driver on your auto plan. Chances are, if your kids are in their 30s to 50s and have a clean driving record, they’ll have lower insurance rates.
Cheapest car insurance company after an accident
Getting into just one accident can impact your indemnity rates because it indicates to car insurance companies that you are a higher risk to insure. Although State Farm increased rates the least out of the four largest insurers in Florida, GEICO remained the cheapest option for drivers with an accident history .
| Company | Rate before | Rate after | Difference |
|---|---|---|---|
| GEICO | $182 | $260 | $78 |
| State Farm | $264 | $311 | $47 |
| Progressive | $456 | $711 | $255 |
| Allstate | $649 | $1,038 | $389 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |||
Cheapest car insurance company after a DUI
Our sample drivers with a DUI on their records received the best rates from State Farm. GEICO, while being the second-best first gear cost choice for those charged with a DUI, about doubled premium rates .
| Company | Rate before | Rate after | Difference |
|---|---|---|---|
| State Farm | $264 | $287 | $23 |
| GEICO | $182 | $342 | $160 |
| Progressive | $456 | $555 | $99 |
| Allstate | $649 | $828 | $179 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |||
Cheapest car insurance company for speeding
Having a record of speed will probably cause indemnity companies to mark you as a riskier driver. This can result in your car insurance rates potentially increasing. Our inquiry found that State Farm is the cheapest option for drivers who have been caught speeding .
notably, Allstate did not increase the rates of its drivers after they were cited for a accelerate ticket, but the company distillery has relatively expensive policy rates .
| Company | Rate before | Rate after | Difference |
|---|---|---|---|
| State Farm | $264 | $287 | $23 |
| GEICO | $182 | $324 | $142 |
| Allstate | $649 | $649 | $0 |
| Progressive | $456 | $669 | $213 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |||
Average auto insurance rates by city
The average cost of car insurance in Florida is $ 152 per calendar month. One factor that influences the monetary value of your coverage is the city you reside in. For exemplify, drivers in dumbly populated areas, cities with high accident rates or neighborhoods where larceny is normally reported are considered riskier to insure. As a result, drivers in those cities tend to receive more expensive cable car indemnity quotes .
| City | Average monthly rate | |
|---|---|---|
| Cape Coral | $107 | |
| Coral Springs | $154 | |
| Fort Lauderdale | $142 | |
| Gainesville | $90 | |
| Hialeah | $194 | |
| Hollywood | $148 | |
| Jacksonville | $113 | |
| Miami | $173 | |
| Miramar | $145 | |
| Orlando | $128 | |
| Pembroke Pines | $140 | |
| Port St. Lucie | $119 | |
| St. Petersburg | $133 | |
| Tallahassee | $90 | |
| Tampa | $163 | |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
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How to save money on auto insurance
Florida is one of the most expensive states in the country for car indemnity. Besides shopping with the insurers we mentioned, there are a few ways you can make your quotes more low-cost :
- Check local companies. The insurers we listed above are some of the biggest names in auto insurance, but that doesn’t mean they provide the absolute cheapest and best coverage for your needs. You may find better coverage at a small or local company, like Star Casualty, Acceptance or Responsive.
- Take advantage of discounts. This is one of the best ways to save on car insurance. All large insurers have a wide range of discounts, some of which you may already qualify for. You can receive savings for being a member of an affiliate organization, being under or over a certain age or driving below a certain mileage.
- Regularly evaluate your insurance needs. If you find that you are no longer using your car as much as you used to, you can opt to decrease your coverage limits or remove coverages you don’t need.
- Maintain a good driving history. Insurance premiums are calculated based on an assessment of risk. The riskier of a driver you are, the higher your quote will likely be. Having even one accident on your record can significantly increase your premium, which is why it’s so important to maintain good driving habits.
- Bundle your auto coverage with other insurance plans. Many large insurers offer auto, renters, life and home insurance. If you have more than one policy with the same company, you may qualify for a bundling discount.
What are the best car insurance companies in Florida?
Shopping about and comparing rates can ensure you obtain low-cost rates, but the value of your policy is n’t just about price — it ‘s besides about the quality of service. indemnity companies with the worst avail typically have long claim process times, unkindly customer service agents and dim communication .
| Company | J.D. Power 2021 U.S. Auto Insurance Study (higher is better) | NAIC 2020 Complaint Index (lower is better) |
|---|---|---|
| Allstate | 846 | 0.63 |
| GEICO | 823 | 0.79 |
| Progressive | 822 | 0.00 |
| State Farm | 846 | 0.70 |
| J.D. Power assesses overall customer satisfaction on a 1,000-point scale, with an average score of 833 in Florida. The NAIC Complaint Index is the rate at which customers file complaints to their state regulator. The median Complaint Index is 1.0. | ||
Florida car insurance requirements
To legally drive in Florida, the pursue coverages are required :
| Coverage requirement | Limits |
|---|---|
| Property damage liability (PDL) | $10,000 |
| Personal injury protection (PIP) | $10,000 |
The punishment for failing to meet these requirements ? The state may suspend your driver ’ randomness license and registration for up to three years. To reinstate both, you will need to pay a tip of up to $ 500 .
No-fault insurance
Florida is one of 12 no-fault states in the nation. Drivers who live in one of these states file accident claims with their own indemnity party, regardless of who is at fault. however, if the accident results in death, injuries or defacement, you retain your right to sue the early driver for compensation .
Florida ‘s no-fault police requires drivers to carry PIP and PDL. PIP payouts blanket part of your checkup bills and lost wages resulting from an accident. meanwhile, PDL reimburses the other driver if you are deemed liable for an accident and cause wrong to their vehicle .
SR-22 insurance
Drivers can be required to file for an SR-22 in Florida if they have been involved in a cable car accident without insurance, obtained excessively many points on their record, drove without a valid license or policy or engaged in other bad behavior. The determination of filing an SR-22 is to assure the state that bad drivers have obtained the minimum compulsory indemnity coverage .
Florida is one of the few states that does n’t require drivers to carry bodily injury liability ( BIL ) coverage unless they carry an SR-22. You ‘ll need to prove that you not only meet the minimum insurance requirements but that you besides have :
| Coverage requirement | Limits |
|---|---|
| Bodily injury liability (BIL) | $10,000 per person/$20,000 per accident |
FR-44 insurance
If you are charged with a DUI, you will be asked to file an FR-44 imprint to have your license reinstated. Given the earnestness of a DUI conviction, drivers with an FR-44 on record are besides required to have policy coverage limits that are much higher than the state minimum :
| Coverage requirement | Limits |
|---|---|
| Bodily injury liability (BIL) | $100,000 per person/$300,000 per accident |
| Property damage liability (PDL) | $50,000 per accident |
FAQ: driving in Florida
Why is Florida car insurance so expensive?
There are a few reasons Florida has some of the most expensive car indemnity rates in the area. Florida is one of the densest states with a booming tourist diligence, making the roads packed .
There ‘s besides a bombastic population of bad drivers. According to the Insurance Information Institute, Florida has the highest number of uninsured drivers, at 20.4 %, compared to the national average of 13 % .
There are besides the issues of infrastructure and weather. According to our analysis, Florida ranks 39 out of 50 states for worst road infrastructure, making it one of the safest states to drive in the country. only 13 % of the state ’ mho roads were considered unacceptable by the Federal Highway Administration ( FHA ), compared to the national average of 20 %. And even though Florida is known for its bright and cheery weather, the frequency of hurricanes can cause significant property damage .
How much is car insurance in Florida?
The modal monetary value of cable car insurance in Florida is $ 152 for minimum coverage and $ 388 for full coverage. We must note that your insurance premium may vary according to your unique driver visibility. This includes your city of residency, driving history, historic period and credit rating sexual conquest, among other factors .
What is considered full-coverage auto insurance in Florida?
In Florida, a full-coverage policy encompasses the minimal car policy requirements, plus comprehensive and collision coverages. You are not required to have entire coverage in Florida but it does provide security for different types of damages and losses .
Methodology
QuoteWizard conducted a comprehensive study of Florida ‘s car policy rates through Quadrant Information Services. Unless otherwise stated, the car indemnity quotes analyzed were for a individual, 30-year-old male with a clean tug record. He operates a 2012 Honda Accord LX with an median annual mileage of 13,500 miles.
When discussing a full-coverage car indemnity policy, the driver had the be limits :
- $100,000 per person/$300,000 per accident bodily injury liability
- $100,000 per accident property damage liability
- $500 deductible
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