Table of Contents
Cheapest Car Insurance in Florida for Good Drivers
 Geico : $ 295 per year |
 liberty Mutual : $ 307 per year |
 Travelers : $ 633 per class |
 nationally : $ 653 per year |
 state farm : $ 698 per year |
Drivers who have never had an accident or received a citation are considered good drivers by insurers and pay less for insurance than drivers with bad records. In addition to low rates, good drivers can often qualify for additional
Cheapest Car Insurance in Florida for Full Coverage
| Geico : $ 1,623 per year |
| state farm : $ 2,128 per year |
| Travelers : $ 2,552 per year |
| shore leave Mutual : $ 2,849 per class |
| countrywide : $ 3,055 per year |
Full coverage refers to a policy that goes beyond the
Cheapest Car Insurance in Florida After a Ticket
| familiarity Mutual : $ 473 per class |
| Geico : $ 525 per class |
| country farm : $ 773 per class |
| Travelers : $ 806 per year |
| countrywide : $ 926 per class |
After a
Cheapest Car Insurance in Florida For Drivers with One At-Fault Accident
| shore leave Mutual : $ 432 per year |
| Geico : $ 433 per year |
| state farm : $ 846 per year |
| Travelers : $ 857 per class |
| nationally : $ 1,011 per class |
One at-fault accident will usually affect your insurance negatively for 3-5 years as insurers will consider you
Cheapest Car Insurance in Florida After a DUI
Insurers always charge drivers more for coverage after a
Cheapest Car Insurance in Florida for Drivers with Poor Credit
| liberty Mutual : $ 569 per year |
| Geico : $ 617 per year |
 mastermind Auto : $ 877 per class |
| countrywide : $ 1,077 per year |
 Farmers : $ 1,363 per year |
A low credit score often flags drivers as higher risk, so insurers will usually charge them more for coverage. However, since insurers use different formulas to calculate premiums, poor credit might affect your rates more with one company than another. Because each insurance company treats credit differently, it pays to compare quotes.
Cheapest Car Insurance in Florida for Young Drivers
| Geico : $ 608 per class |
| familiarity Mutual : $ 864 per class |
| Travelers : $ 1,123 per year |
| country grow : $ 1,436 per class |
| nationally : $ 1,399 per year |
Since young drivers have less experience behind the wheel, insurers tend to charge them higher rates than more mature drivers. On average, most drivers will see their rates drop as they get older with a considerable decrease once they turn 25 years old.
Cheapest Car Insurance in Florida for Older Drivers
| Geico : $ 274 per year |
| autonomy Mutual : $ 317 per class |
| Travelers : $ 568 per year |
| nationally : $ 600 per year |
|
department of state farm : $ 660 per year
Read more: The 7 Best Car Insurance Companies (2022) |
Although mature drivers pay less for car insurance than teens, older drivers start to see their rates go up as they enter their senior years. Comparing car insurance rates can save older drivers hundreds of dollars a year.
Learn More About the Cheapest Car Insurance Companies in Florida
Best Cities for Cheap Car Insurance in Florida
| City | Premium | Percent Increase |
| Gainesville | $805 | 0.0% |
| Panama City | $841 | 4.4% |
| Ocala | $878 | 9.1% |
| Tallahassee | $887 | 10.2% |
| Melbourne | $948 | 17.8% |
| Pensacola | $968 | 20.3% |
| Naples | $985 | 22.4% |
| Sarasota | $1,023 | 27.1% |
| Cape Coral | $1,025 | 27.3% |
| Lakeland | $1,028 | 27.7% |
| Fort Myers | $1,028 | 27.7% |
| Port Saint Lucie | $1,064 | 32.1% |
| Bradenton | $1,080 | 34.1% |
| Jacksonville | $1,082 | 34.4% |
| Spring Hill | $1,142 | 41.8% |
| Kissimmee | $1,155 | 43.4% |
| Orlando | $1,174 | 45.8% |
| Clearwater | $1,203 | 49.5% |
| Saint Petersburg | $1,206 | 49.8% |
| Hollywood | $1,421 | 76.5% |
| Pompano Beach | $1,431 | 77.8% |
| Boca Raton | $1,452 | 80.3% |
| West Palm Beach | $1,472 | 82.8% |
| Lake Worth | $1,484 | 84.3% |
| Fort Lauderdale | $1,499 | 86.2% |
| Homestead | $1,516 | 88.3% |
| Tampa | $1,533 | 90.4% |
| Boynton Beach | $1,537 | 90.9% |
| Miami | $1,659 | 106.1% |
| Hialeah | $1,884 | 134.0% |
Factors That Affect Car Insurance Premiums in Florida
Drivers who have never had an accident or received a quotation are considered good drivers by insurers and pay less for policy than drivers with badly records. In addition to low rates, good drivers can much qualify for extra discounts from their policy company.Full coverage refers to a policy that goes beyond the minimum state requirements. Because full coverage protects you in more situations, it costs more than the minimum requirements.After a speed slate, most drivers will see their indemnity rates go up for 3-5 years. It ’ mho important to keep in judgment that each indemnity company calculates rates differently, so you should always get multiple quotes in orderliness to make certain that you get the best deal.One at-fault accident will normally affect your insurance negatively for 3-5 years as insurers will consider you bad. Because of your higher rates, it is evening more authoritative to comparison shop.Insurers always charge drivers more for coverage after a DUI conviction as this signals to indemnity companies you are a higher risk driver than the average person. Because a DUI conviction puts you in the bad category to insurers, your indemnity rates will be higher, and shopping around can save you a long ton of money.A low credit score often flags drivers as higher hazard, so insurers will normally charge them more for coverage. however, since insurers use different formulas to calculate premiums, poor recognition might affect your rates more with one company than another. Because each indemnity company treats credit differently, it pays to compare quotes.Since youthful drivers have less experience behind the roulette wheel, insurers tend to charge them higher rates than more mature drivers. On average, most drivers will see their rates drop as they get older with a considerable decrease once they turn 25 years old.Although fledged drivers pay less for car policy than teens, older drivers start to see their rates go up as they enter their elder years. Comparing car policy rates can save older drivers hundreds of dollars a year. Geico is the cheapest cable car policy company overall in Florida, charging an average of $ 38 per month for coverage. In summation to low rates, drivers can qualify for a kind of discounts based on their policy, good driving, and fomite guard. USAA costs the lapp as Geico on median, though it ’ s not available to all drivers. specifically, USAA only sells policies to the military residential district, which includes active servicemembers, veterans, and military families. Liberty Mutual is another bang-up choice for Florida drivers, costing an average of $ 50 per calendar month. As one of the largest insurers in the state, Liberty Mutual offers a wide-eyed roll of resources and policy options for customers, which is helpful for those looking to purchase more than one type of indemnity. Travelers can be a good choice for drivers who want low-cost coverage, since policies cost an average of $ 76 per calendar month. Though it ’ s not adenine cheap as some competitors, it ’ second hush a beneficial option to consider. State Farm charges a bit more for coverage than some of its competitors, with rates averaging $ 82 per month. But it ’ mho silent a capital option for drivers looking for multiple types of policy and a crop of discount rate options.
Cheapest Car Insurance in Florida
- USAA: $38 per month
- Geico: $38 per month
- Liberty Mutual: $50 per month
- Travelers: $76 per month
- State Farm: $82 per month
6 Tips for How to Get Cheap Car Insurance in Florida
1. Compare quotes from both national and regional insurers
Don’t forget to include local insurance companies in your search for cheap car insurance. In Florida, regional insurers might have lower rates than national companies and have comparable customer satisfaction ratings.
2. Know the factors affecting insurance in Florida
Everyone knows that your driving habits and
3. Maintain coverage
You’ll see higher rates if you let your insurance lapse, even
4. Choose the coverage that is right for you
You need
5. Live in less expensive zip codes
Car insurance prices can vary a lot based on zip code in Florida. On average, drivers in the
6. Search for discounts
Top car insurance companies in Florida have a variety of discounts, so almost anyone can find ways to save. You may be able to get a
Methodology
WalletHub’s analysis of cheap car insurance companies in Florida is based on data from the Florida DMV and Quadrant Information Services. Together with that data, WalletHub used the characteristics listed below to create 40 different driver profiles designed to identify the cheapest car insurance companies for Florida drivers in a collection of key categories. For each profile, WalletHub compared quotes among top Florida car insurance companies by averaging premiums from 60 zip codes that represent at least 20% of Florida’s population. Military-specific companies like USAA were only considered for the military-specific category, due to their eligibility restrictions. In some cases, they may still be the best option overall for eligible drivers.
In the table below, you can see all of the profile characteristics that were used in WalletHub’s analysis, in addition to the specific subset of characteristics that make up our Good Driver profile.
| Category | All Profile Characteristics | Good Driver Profile |
| Gender | Male, Female | Male |
| Age | 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 35, 45, 55, 65 | 45 |
| Marital Status | Single, Married | Single |
| Teenage Driver Included on Policy | No, Yes | No |
| Driving Record | Clean, One Speeding Ticket, One At-Fault Accident, One DUI, Suspended License, Open Container, Red Light Infraction, Reckless Driving, One Not At-Fault Accident | Clean |
| Miles Driven Per Year | 7,500 Miles, 15,000 Miles, 20,000 Miles | 15,000 Miles |
| Coverage Level | Minimum, Standard, Full | Minimum |
| Discounts | None, Multi-Policy, Homeowner, Student | None |
| Credit Level | Poor, Good | Good |
| Filings | None, SR22, FR44 | None |
| Car | Sedan, Minivan, SUV, Coupe, Truck | Sedan |
Below are additional details regarding the terminology and specific characteristics of the variables in the above table:
- Minimum Coverage: Coverage requirements of $10,000 in property damage liability per person and $10,000 in personal injury protection, as required by Florida’s minimum coverage requirements.
- Standard Coverage: Coverage levels of 50k/100k/25k of liability coverage, 50k/100k/25k of uninsured motorist coverage and $10,000 of personal injury protection.
- Full Coverage: Coverage levels of 100k/300k/50k of liability coverage, 100k/300k/50k of uninsured motorist coverage, collision and comprehensive coverage with a $500 deductible and $10,000 of personal injury protection.
- Sedan: 2018 Toyota Camry.
- Minivan: 2018 Dodge Grand Caravan.
- SUV: 2018 Toyota RAV4.
- Coupe: 2018 Ford Mustang.
- Truck: 2018 Ford F-150.
Where driver profiles are not specified, WalletHub averaged Florida insurance quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is representative only. Individual rates will be different.
Don ’ thymine forget to include local insurance companies in your search for cheap car policy. In Florida, regional insurers might have lower rates than national companies and have comparable customer satisfaction ratings.Everyone knows that your driving habits and claims history affect how much you pay for car indemnity. But in Florida, companies consider your credit history, marital condition, annual mileage, and even some factors beyond your control like age and gender to set your premiums.You ’ ll see higher rates if you let your indemnity sink, even if you don ’ triiodothyronine own a car. Florida drivers who don ’ t maintain continuous coverage pay an average of 11 % more than those with five or more years of indemnity history.You need liability indemnity to pay for the other driver ’ randomness damages if you ’ re at fault in an accident in Florida. Collision and comprehensive coverage, on the other hand, are optional and may be unnecessary if you own an older car. Usage-based insurance might be a better paroxysm than a criterion policy for low-mileage drivers, and going with a higher deductible or lower coverage limits costs less, excessively. Don ’ thymine stint on the coverage you need, but do make inform choices. That way, you won ’ t end up paying for more car indemnity than you need.Car indemnity prices can vary a lot based on slide fastener code in Florida. On average, drivers in the most expensive parts of Florida spend over $ 1,600 more per year on car insurance than those living in the least expensive areas.Top cable car policy companies in Florida have a diverseness of discounts, so about anyone can find ways to save. You may be able to get a dismiss if you ’ re a student, veteran, good driver, homeowner, uncoerced to go paperless, and more.WalletHub ’ s psychoanalysis of brassy car policy companies in Florida is based on data from the Florida DMV and Quadrant Information Services. together with that data, WalletHub used the characteristics listed below to create 40 different driver profiles designed to identify the cheapest car insurance companies for Florida drivers in a collection of key categories. For each profile, WalletHub compared quotes among top Florida car policy companies by averaging premiums from 60 zip code codes that represent at least 20 % of Florida ‘s population. Military-specific companies like USAA were alone considered for the military-specific category, due to their eligibility restrictions. In some cases, they may still be the best option overall for eligible drivers.In the table below, you can see all of the profile characteristics that were used in WalletHub ’ second analysis, in summation to the specific subset of characteristics that make up our good Driver profile.Below are extra details regarding the terminology and specific characteristics of the variables in the above board : Where driver profiles are not specified, WalletHub averaged Florida insurance quotes across 40 different driver profiles, using the above variables. Quote data is from Quadrant Information Services and is example only. person rates will be unlike .