The Cheapest Car Insurance in Florida for 2022 – NerdWallet

You ’ ll want cable car policy to confidently navigate Florida ’ s highways, particularly considering that an calculate 1 in every 5 drivers doesn ’ t have car indemnity, according to 2019 data from the Insurance Research Council. But finding cheap car policy in the Sunshine State international relations and security network ’ deoxythymidine monophosphate always easy. The average cost of full coverage in Florida is the irregular highest in the area, according to NerdWallet ’ mho analysis. The best way to get low-cost car insurance is by comparing multiple car insurance quotes from a diverseness of insurers, and we ’ ve already done the hard workplace of narrowing down the cheap companies for a diverseness of ages and driving histories. Read on to see the cheapest car policy in Florida by age and driving history, plus the state-mandated minimum requirements.

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Cheapest car policy ship’s company overall in Florida
state farm	$ 164/month	5.0 NerdWallet rate NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Cheapest for minimum coverage
Geico	$ 60/month	4.5 NerdWallet fink NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Cheapest for young drivers
state farm	$ 289/month	5.0 NerdWallet denounce NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Cheapest for drivers with poor credit
state grow	$ 164/month	5.0 NerdWallet evaluation NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

If you ’ rhenium looking for the cheapest car policy in your city, NerdWallet analyzed rates for some of the largest Florida cities, including :

How much is car insurance in Florida?

The average price of wax coverage cable car insurance in Florida is $ 2,780 per year, or about $ 232 per calendar month, according to NerdWallet ’ second analysis. minimum coverage in Florida is $ 1,084 per class on average, but we found you can probable get a cheaper policy. For example, Geico offers the cheapest rates in Florida at $ 717 per year, on median, for minimal coverage cable car indemnity for a 35-year-old driver with a clean drive record.

How we chose the cheapest companies in Florida

NerdWallet ’ s editorial team analyzed car indemnity rates from six car insurers in Florida and found the five cheapest options for drivers in several age brackets and with different histories, all driving a 2019 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in Florida. For broad coverage, we used the under coverage limits :

• $ 100,000 bodily injury liability per person .
• $ 300,000 bodily injury liability per accident .
• $ 50,000 property damage indebtedness per accident .
• $ 100,000 uninsured motorist coverage per person .
• $ 300,000 uninsured motorist coverage per accident .
• Collision coverage with a $ 1,000 deductible .
• comprehensive coverage with a $ 1,000 deductible .

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a batch of quotes to find cheap car policy. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more feel on the road. still, some companies routinely have better policy rates for new drivers, so it ‘s best to shop around to find them.

Cheapest full coverage car insurance in Florida for 20-year-olds

Drivers in Florida with cleanse drive records may want to consider the following companies, which had the lowest average rates :

1. country farm : $ 3,471 per year, or about $ 289 per month .
2. Geico : $ 3,927 per year, or about $ 327 per month .
3. Allstate : $ 4,205 per year, or about $ 350 per calendar month .
4. MetLife : $ 5,416 per year, or about $ 451 per calendar month .
5. mastermind Auto : $ 5,998 per year, or about $ 500 per month .

Cheapest minimum coverage car insurance in Florida for 20-year-olds

Drivers in Florida who want barely the state minimum coverage may want to check with these companies, which had the lowest average rates :

1. Geico : $ 1,274 per year, or about $ 106 per calendar month .
2. Allstate : $ 1,338 per year, or about $ 112 per month .
3. state of matter farm : $ 1,490 per year, or about $ 124 per month .
4. lead Auto : $ 2,233 per year, or about $ 186 per month .
5. MetLife : $ 2,354 per year, or about $ 196 per calendar month .

Cheapest auto insurance in Florida for 20-year-olds with poor credit

Drivers with poor credit rating in Florida should look at the following insurers with the lowest average rates for minimum coverage :

1. direct Auto : $ 2,280 per year, or about $ 190 per calendar month .
2. Allstate : $ 2,391 per class, or about $ 199 per month .
3. Geico : $ 2,482 per year, or about $ 207 per calendar month .
4. express farm : $ 3,251 per year, or about $ 271 per month .
5. progressive : $ 4,005 per year, or about $ 334 per calendar month .

Cheapest auto insurance in Florida for 20-year-old drivers with one at-fault crash

For drivers with a late accident in Florida, here are the companies with the lowest average rates for minimum coverage :

1. Geico : $ 1,435 per class, or about $ 120 per month .
2. department of state farm : $ 2,215 per year, or about $ 185 per calendar month .
3. Allstate : $ 2,224 per year, or about $ 185 per calendar month .
4. lineal Auto : $ 2,690 per year, or about $ 224 per calendar month .
5. MetLife : $ 3,306 per year, or about $ 276 per month .

Cheapest auto insurance in Florida for 20-year-old drivers after a DUI

The cheapest car insurance we found after a DUI is shown here, alongside the insurers ‘ average rates for minimal coverage .

1. Geico : $ 1,661 per year, or about $ 138 per month .
2. Allstate : $ 1,752 per class, or about $ 146 per month .
3. target Auto : $ 2,455 per year, or about $ 205 per month .
4. state farm : $ 2,694 per year, or about $ 224 per month .
5. progressive : $ 3,117 per year, or about $ 260 per month .

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Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper cable car indemnity rates than in their teens and 20s. calm, factors like a person ’ second drive record and car produce and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any cable car insurance discounts.

Cheapest full coverage car insurance in Florida for 30-year-olds

Drivers in Florida with clean and jerk drive records may get the lowest rates from these companies :

1. state grow : $ 1,993 per year, or about $ 166 per calendar month .
2. Geico : $ 2,206 per year, or about $ 184 per calendar month .
3. Allstate : $ 2,680 per year, or about $ 223 per month .
4. MetLife : $ 2,957 per class, or about $ 246 per calendar month .
5. progressive : $ 3,436 per year, or about $ 286 per calendar month .

Cheapest minimum coverage car insurance in Florida for 30-year-olds

Drivers in Florida who want their country ‘s minimum coverage can check with the following companies, which had the lowest modal rates :

1. Geico : $ 766 per year, or about $ 64 per calendar month .
2. country farm : $ 800 per year, or about $ 67 per month .
3. Allstate : $ 951 per year, or about $ 79 per calendar month .
4. MetLife : $ 1,207 per class, or about $ 101 per month .
5. direct Auto : $ 1,338 per year, or about $ 112 per month .

Cheapest auto insurance in Florida for 30-year-olds with poor credit

Drivers with poor credit in Florida should consider the following companies with the lowest average rates for full coverage :

1. state farm : $ 3,499 per class, or about $ 292 per month .
2. lineal Auto : $ 3,939 per year, or about $ 328 per calendar month .
3. Geico : $ 3,945 per year, or about $ 329 per calendar month .
4. Allstate : $ 4,942 per class, or about $ 412 per calendar month .
5. progressive : $ 5,590 per year, or about $ 466 per calendar month .

Cheapest auto insurance in Florida for 30-year-old drivers with one at-fault crash

For drivers in Florida with a late accident, here are the lowest modal rate options for full coverage :

1. express farm : $ 2,603 per year, or about $ 217 per calendar month .
2. Geico : $ 2,814 per year, or about $ 234 per month .
3. Allstate : $ 4,084 per year, or about $ 340 per calendar month .
4. MetLife : $ 4,571 per class, or about $ 381 per month .
5. conduct Auto : $ 5,041 per year, or about $ 420 per calendar month .

Cheapest auto insurance in Florida for 30-year-old drivers after a DUI

For the cheapest car insurance after a DUI, we found the play along options for full coverage .

1. Geico : $ 2,943 per class, or about $ 245 per calendar month .
2. state farm : $ 2,990 per year, or about $ 249 per calendar month .
3. Allstate : $ 3,418 per year, or about $ 285 per month .
4. progressive : $ 4,074 per class, or about $ 340 per month .
5. direct Auto : $ 4,099 per year, or about $ 342 per month .

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better indemnity rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for brassy car policy quotes with multiple insurers is the best way to find lower rates. good drivers who don ’ triiodothyronine get behind the wheel often might want to consider pay-per-mile policy, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Florida for 40-year-olds

Drivers in Florida with clean drive records may want to think about the follow companies, which had the lowest average rates :

1. state farm : $ 1,956 per year, or about $ 163 per calendar month .
2. Geico : $ 2,017 per year, or about $ 168 per month .
3. Allstate : $ 2,677 per year, or about $ 223 per calendar month.

   Read more: The Best and Cheapest Auto Insurance Companies for Seniors

4. MetLife : $ 2,738 per year, or about $ 228 per calendar month .
5. progressive : $ 3,378 per class, or about $ 282 per calendar month .

Cheapest minimum coverage car insurance in Florida for 40-year-olds

Drivers in Florida who want barely the minimum coverage may want to check prices from these companies, which had the lowest average rates :

1. Geico : $ 704 per class, or about $ 59 per calendar month .
2. state farm : $ 784 per year, or about $ 65 per calendar month .
3. Allstate : $ 949 per year, or about $ 79 per month .
4. MetLife : $ 1,129 per year, or about $ 94 per month .
5. target Auto : $ 1,231 per year, or about $ 103 per month .

Cheapest auto insurance in Florida for 40-year-olds with poor credit

Drivers with poor people credit in Florida can check out the following insurers with the lowest average rates for full coverage :

1. submit farm : $ 3,433 per year, or about $ 286 per calendar month .
2. direct Auto : $ 3,533 per class, or about $ 294 per month .
3. Geico : $ 3,559 per year, or about $ 297 per month .
4. Allstate : $ 4,938 per year, or about $ 412 per calendar month .
5. MetLife : $ 5,327 per year, or about $ 444 per month .

Cheapest auto insurance in Florida for 40-year-old drivers with one at-fault crash

For drivers with a late accident living in Florida, here are the companies with the lowest average rates for full coverage :

1. state farm : $ 2,553 per year, or about $ 213 per month .
2. Geico : $ 2,636 per year, or about $ 220 per calendar month .
3. Allstate : $ 4,082 per year, or about $ 340 per calendar month .
4. MetLife : $ 4,273 per class, or about $ 356 per month .
5. aim Auto : $ 4,498 per year, or about $ 375 per calendar month .

Cheapest auto insurance in Florida for 40-year-old drivers after a DUI

The cheapest full moon coverage car indemnity we found for drivers with a DUI came from the following companies .

1. Geico : $ 2,749 per year, or about $ 229 per month .
2. state farm : $ 2,932 per year, or about $ 244 per month .
3. Allstate : $ 3,416 per year, or about $ 285 per calendar month .
4. target Auto : $ 3,659 per year, or about $ 305 per calendar month .
5. progressive : $ 3,982 per year, or about $ 332 per month .

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper cable car policy rates than most early age groups on average. Prices will continue to drop as they inch toward their 60s and gain more drive experience. Rates can still vary depending on other factors such as a driver ’ second sex and placement, so it ’ south smart to shop around to find the best rate. Our list of the best brassy car policy companies is a good set to start.

Cheapest full coverage car insurance in Florida for 50-year-olds

Drivers in Florida with scavenge drive records may want to get quotes from these insurers, which had the lowest modal rates :

1. state farm : $ 1,901 per year, or about $ 158 per calendar month .
2. Geico : $ 1,957 per year, or about $ 163 per month .
3. MetLife : $ 2,537 per class, or about $ 211 per calendar month .
4. Allstate : $ 2,571 per year, or about $ 214 per month .
5. progressive : $ 3,098 per year, or about $ 258 per month .

Cheapest minimum coverage car insurance in Florida for 50-year-olds

Drivers in Florida who opt for the country minimal coverage may want to consider the follow companies, with the lowest modal rates :

1. Geico : $ 674 per year, or about $ 56 per calendar month .
2. state of matter farm : $ 757 per class, or about $ 63 per calendar month .
3. Allstate : $ 906 per class, or about $ 76 per calendar month .
4. MetLife : $ 1,039 per year, or about $ 87 per calendar month .
5. steer Auto : $ 1,167 per year, or about $ 97 per calendar month .

Cheapest auto insurance in Florida for 50-year-olds with poor credit

Drivers with poor credit rating in Florida can check with the following companies, which showed the lowest average rates for full coverage :

1. state farm : $ 3,327 per class, or about $ 277 per month .
2. steer Auto : $ 3,413 per class, or about $ 284 per month .
3. Geico : $ 3,446 per class, or about $ 287 per month .
4. Allstate : $ 4,751 per year, or about $ 396 per month .
5. MetLife : $ 4,953 per year, or about $ 413 per calendar month .

Cheapest auto insurance in Florida for 50-year-old drivers with one at-fault crash

For drivers living in Florida with a holocene accident, here are the insurers with the lowest average fully coverage rates :

1. state farm : $ 2,478 per class, or about $ 206 per calendar month .
2. Geico : $ 2,555 per year, or about $ 213 per calendar month .
3. Allstate : $ 3,914 per year, or about $ 326 per calendar month .
4. MetLife : $ 4,015 per year, or about $ 335 per month .
5. target Auto : $ 4,396 per year, or about $ 366 per calendar month .

Cheapest auto insurance in Florida for 50-year-old drivers after a DUI

The cheapest car policy we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage .

1. Geico : $ 2,661 per year, or about $ 222 per calendar month .
2. state grow : $ 2,844 per year, or about $ 237 per calendar month .
3. Allstate : $ 3,278 per year, or about $ 273 per month .
4. direct Auto : $ 3,540 per year, or about $ 295 per month .
5. progressive : $ 3,653 per year, or about $ 304 per month .

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well compare personalized rates to see how much switch cable car indemnity could save you.

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Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on modal, prices will start increasing as they get older. To find cheap car indemnity for seniors, drivers in their 60s should make sure to shop around to find the best pace. Drivers in this age group should besides take advantage of any available discounts for elder citizens.

Cheapest full coverage car insurance in Florida for 60-year-olds

Drivers in Florida with clean drive records may want to think about getting quotes from these companies, which had the lowest average rates :

1. department of state grow : $ 1,833 per year, or about $ 153 per calendar month .
2. Geico : $ 1,873 per year, or about $ 156 per month .
3. Allstate : $ 2,471 per year, or about $ 206 per calendar month .
4. MetLife : $ 2,552 per year, or about $ 213 per calendar month .
5. progressive : $ 2,984 per class, or about $ 249 per calendar month .

Cheapest minimum coverage car insurance in Florida for 60-year-olds

Drivers in Florida who want just the express minimum coverage may want to check with these insurers, which had the lowest median rates :

1. Geico : $ 640 per year, or about $ 53 per month .
2. state farm : $ 729 per year, or about $ 61 per month .
3. Allstate : $ 865 per year, or about $ 72 per month .
4. MetLife : $ 1,036 per year, or about $ 86 per calendar month .
5. steer Auto : $ 1,138 per year, or about $ 95 per calendar month .

Cheapest auto insurance in Florida for 60-year-olds with poor credit

Drivers with poor people credit in Florida can look at the following companies with the lowest average rates for full coverage :

1. country farm : $ 3,191 per year, or about $ 266 per month .
2. Geico : $ 3,298 per year, or about $ 275 per month .
3. target Auto : $ 3,358 per year, or about $ 280 per month .
4. Allstate : $ 4,544 per class, or about $ 379 per calendar month .
5. progressive : $ 4,827 per year, or about $ 402 per month .

Cheapest auto insurance in Florida for 60-year-old drivers with one at-fault crash

For drivers with a holocene accident living in Florida, here are the companies with the lowest average rates for full coverage :

1. state farm : $ 2,383 per year, or about $ 199 per month .
2. Geico : $ 2,454 per class, or about $ 204 per calendar month .
3. Allstate : $ 3,765 per year, or about $ 314 per month .
4. MetLife : $ 4,018 per year, or about $ 335 per month .
5. aim Auto : $ 4,325 per year, or about $ 360 per calendar month .

Cheapest auto insurance in Florida for 60-year-old drivers after a DUI

The cheapest car indemnity we found after a DUI came from the following companies, shown with their average rates for broad coverage .

1. Geico : $ 2,549 per year, or about $ 212 per calendar month .
2. state of matter farm : $ 2,731 per class, or about $ 228 per calendar month .
3. Allstate : $ 3,159 per year, or about $ 263 per month .
4. address Auto : $ 3,483 per year, or about $ 290 per month .
5. liberal : $ 3,530 per class, or about $ 294 per month .

Minimum car insurance requirements in Florida

Floridians must carry property damage liability and personal wound protection ( PIP ) in the follow amounts :

• $ 10,000 property damage indebtedness per accident .
• $ 10,000 personal injury security .

In character you ’ re at demerit in a clang, the Florida Financial Responsibility Law besides requires you to be able to pay up to :

• $ 10,000 in bodily injury liability per person .
• $ 20,000 in bodily wound indebtedness per accident .

indebtedness cable car indemnity covers the price of any damage, injuries or deaths you cause in a car accident, up to your policy ’ south predefined limits. personal injury protection will cover your aesculapian bills and expenses if you ’ re injured in a car crash, up to your policy limits, no matter whose fault it was. Depending on your country, PIP may besides pay for :

• Lost wages if you ’ re unable to work due to injuries from an accident .
• Services you can nobelium longer perform, like theater houseclean or child concern, because of your injuries .
• funeral costs if an accident-related injury leads to death .
• A humble death benefit as a cash payout .

Experts recommend buying more than the bare minimum when it comes to all parts of your car liability insurance. You might want total protective covering from optional coverages such as collision, comprehensive and uninsured motorist insurance. Check out NerdWallet ’ s guide to car insurance requirements by submit for more details on coverage you might want on your Florida car policy.

SR-22, FR-44 and alternative auto insurance in Florida

Drivers convicted of certain offenses may be required to get an SR-22 filed by their policy company with the state of Florida. There ’ s no such thing as “ SR-22 insurance ” ; rather, an SR-22 is a form certifying you have current car indemnity coverage in complaisance with Florida jurisprudence. An SR-22 might be required if you :

• Got in an accident without policy .
• Had your license suspended ascribable to excessively many points or another reason .
• Have severe and recent traffic violations on record .

And if you get caught driving while intoxicated or under the influence of drugs in Florida, another form, an FR-44, may be required alternatively. Again, “ FR-44 insurance ” international relations and security network ’ t actually a type of insurance. Rather, an car insurance company must file an FR-44 certificate on behalf of person convicted of a DUI or like offenses. Compared with an SR-22, an FR-44 comes with extra indebtedness insurance requirements. rather of the relatively depleted liability limits listed above, you ’ five hundred need at least :

• $ 100,000 for wound to or death of one person .
• $ 300,000 for wound to or death of two or more people .
• $ 50,000 for property damage liability .

Sunshine State drivers who ’ ve been denied car insurance because of a patched driving history or other factors can apply for coverage through the Florida Automobile Joint Underwriting Association. For more avail finding cheap car insurance in Florida, try NerdWallet ’ south car policy comparison joyride.

No-fault insurance in Florida

Florida is one of several states that has a no-fault cable car policy system, but it ’ randomness one of only two that doesn ’ thyroxine require any bodily wound liability coverage. In most states, drivers who are injured in a car accident caused by person else will seek reimbursement from the at-fault motorist ’ mho insurance company. The claim and payout come from that person ’ s bodily injury liability coverage. Under Florida ’ s no-fault codified, all parties involved in a crash first make injury claims to their own PIP coverage and payouts are capped at 80 % of the bills. ( More on that below ). If injuries from the accident are considered “ serious ” under Florida law, the at-fault driver ’ s bodily injury indebtedness pays for extra costs. serious injuries include at least one of the following :

• significant disfigurement .
• Bone fracture .
• permanent wave limitation of a consistency organ or member .
• significant limitation of a body function or system .
• well full disability for 90 days .

Injuries that meet this definition are grounds for a lawsuit in Florida. Drivers with bodily wound coverage can use it to pay for legal fees equally well as the injured person ’ s medical costs, but anyone with only the minimal compulsory coverage — that is, no bodily injury coverage — would have to pay out-of-pocket if they were at blame. To complicate things further, drivers can besides be partially at fault for a crash. Florida has a “ relative blame ” legislative act, meaning that two drivers can parcel province for an incidental. In a lawsuit, a jury could assign 30 % of the province to the injured driver, who would then be entitled to only 70 % of the entire damages from the early driver. policy companies don ’ thymine merely absorb those costs. As in many states that require personal injury auspices coverage, drivers in Florida tend to pay more for car policy, on average, compared with those in non-PIP states.

How PIP works in Florida

Drivers in Florida are required to carry at least $ 10,000 of PIP, which is besides called Florida no-fault policy. In accession to medical bills, no-fault indemnity in Florida can besides pay :

• Lost wages if crash-related injuries force you to miss cultivate .
• The cost of hiring in-home worry if you need help due to injuries .
• The cost of equipment you need while recovering, such as a wheelchair.

  Read more: The Best Car Insurance Companies for 2022

• funeral costs .

PIP fraud can be coarse in no-fault states, including Florida, where staged accidents and unscrupulous checkup providers can drive up the cost of insurance, specifically PIP. Because of this, a no-fault indemnity police was enacted in 2015. It requires people injured in a crash to see a checkup professional within 14 days of the incident to make a PIP claim. It besides limits payouts to 80 % of “ fair ” aesculapian expenses as outlined in the codified. note that PIP will besides cover your passengers ’ injuries, but it doesn ’ deoxythymidine monophosphate overlay wrong to your car. You go through the at-fault driver ’ s insurance for fomite repairs or through your own collision coverage if you were creditworthy .

source : https://insurecar.info
Category : car insurance questions