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Cheap Auto Insurance in Florida: Best Companies & Quotes
Florida residents in Orlando, Tampa, Jacksonville, Miami, West Palm Beach, Lakeland, Fort Lauderdale and the surrounding cities pay some of the most expensive insurance rates in the country for their vehicles. Perhaps it’s the dangerous weather that causes so many floods, the sheer number of tourists, or any number of other factors. Whatever it is, people who live in Florida know the pain of paying exorbitant fees for car insurance. If you’re a Florida resident interested in paying fewer fees for your car insurance, you might want to consider shopping around. According to national insurance data, the least expensive rates are typically found with the best auto insurance companies as follows:
Best Car Insurance Companies in Florida
- State Farm
- Liberty Mutual
|USAA||Allstate||Esurance||State Farm||Geico||Liberty Mutual|
|AM Best Financial Strength Rating||A++||A+||A+||A++||A++||A++|
|JD Power 2019 Overall Customer Satisfaction score||5/5||5/5||5/5||5/5||3/5||4/5|
|Avg Annual Premium||$1,031||$4,863||$1,063||$984||$1,278|
|Consumer Reports Reader Score||92||72||70||78||78||N/A|
|BBB Rating||Not Rated||A+||A-||B+||A+||A|
There are dozens of other insurance agencies happy to help you find lower rates in the Sunshine State, but it depends on more than just finding the best price. If you want the best rate for your Florida auto insurance, you must consider how certain factors will affect your rates.
Auto Insurance Statistics in Florida
According to NAIC.org, the cost of auto insurance premiums in Florida have been increasing over the past decade. Florida’s insurance rates have been consistently above the national average and that trend appears to be staying the same.
Top 10 Cheapest Car Insurance Companies in Florida
|Rank||Company Name||Avg. Annual Premium|
Drunk Driving Fatalities
2011 saw the highest amount of drunk driving fatalities in Florida. However, since that initial spike, the numbers appear to be leveling off and are now below the national average. The data below is a reflection of Florida drunk driving fatalities in comparison with national averages for the same years.
Drunk driving fatalities in Florida from 2013 to 2017
Teen Drinking and Driving
Teen drinking and driving in Florida is high but is still less than the national average. Teens should be warned about the dangers of drinking and driving prior to getting their driver’s licenses. The below statistics represent the percentage of Florida drivers that are teenagers who are drinking and driving when compared with national averages.
Teen Drinking & Driving in Florida vs. Nationwide (2017)
SR-22 Insurance in Florida
Florida is yet another state that requires certain drivers to purchase SR-22 coverage when they lose their license and want to begin driving again. If you cancel your SR-22 insurance policy, your insurance provider will contact the DMV to inform them that you no longer have the required coverage. In Florida, SR-22 coverage requires you to have $30,000 worth of per accident bodily injury coverage, $15,000 worth of per person, and property damage coverage of $5,000.
In some cases, the state of Florida might require you to have FR-44 insurance instead of SR-22. Unfortunately, these policies are much more expensive because they have higher coverage — they’re dedicated to drivers that commit serious infractions, such as a DUI.
Car Theft in Florida
When buying car insurance, it’s important to keep in mind all of the situations in which you may need to use your car insurance. Although vehicle theft is a very unwanted situation, it is still a possibility that needs to be considered. Comprehensive coverage can provide protection for car owners in the event of automobile theft. The below data shows how Florida ranks against other states nationwide in the number of car thefts.
Vehicle thefts by rank nationwide vs. Florida
Uninsured Motorists in Florida
Florida tops the charts as the state with the highest number of uninsured and underinsured motorists driving on public roadways. With a high 26.7% of drivers falling into this category for the year 2015, it is essential to consider purchasing uninsured and underinsured motorist coverage if you live and drive in the state of Florida.
Percentage of uninsured drivers (Top 10 States in 2015)
Source: Insurance Information Institute
Factors Affecting Your Car Insurance Rate in Florida
Where you live plays a large role in the kind of insurance you pay for. If you live in a high-crime neighborhood or one with low economic status, you’ll pay more. There are more thefts, fewer insured drivers on the road, and more dangers for your vehicle. If you live on the beach or another body of water, your rates will be higher because your car stands a higher chance of being flooded. If you live far from where you work, you’re going to find your insurance is more expensive because you spend more time on the road.
Florida residents need good credit for the best insurance rates. Your credit score isn’t going to cause you insurance denial, but it’s going to cost you low rates. You should work on your score if it’s low, and avoid applying for a new insurance policy until you go from bad credit to good. Your insurer uses this as an idea of how trustworthy and reliable you are as a bill paying individual, and see negative items on your credit report shows them you’re a risky customer.
Your Driving History
Don’t assume going a year or two without a ticket or accident on your record means you’re a good driver. When you seek a new insurance policy, your insurer looks at your entire past driving record. If you have numerous incidents in which tickets or accidents were noted on your record, you’re going to be labeled as a dangerous driver. If this is you, be prepared to pay higher premiums.
Your Personal Life
Your marital status, age, and gender play a large role in how much you pay for insurance. Married couples tend to pay less, but those who are under 25 can expect to pay more. Young men are more likely to become involved in accidents, so insurance companies charge them more money for their insurance. You should get to know which life factors will affect your rates, even if you’re unable to change them at the moment.
The Cheapest Policy
One important factor while looking for a cheaper insurance rate is cost. You want to pay as little as possible for as much as possible, but you don’t want to pay as little as possible for as little coverage as possible. If your policy is cheap because your deductible is high, it’s fine as long as you can afford to pay the deductible if necessary. If your coverage is comprehensive, a cheap plan might work. If it’s lacking and leaves you paying more than you can afford when an accident or other issue occurs, it’s not a plan worth paying for no matter how inexpensive it is.
Your insurance company is happy to work with you if you give them a call. Let them know you’ve been a long-time customer and would like to see if you can get a discount so you don’t have to look for a new insurance company. If they won’t do that, ask about discounts for the safety features your car possess. Alarm systems, driving assistance features, and more can affect your rates if you just let the insurance company know you have them and use them regularly.
Types of Auto Insurance Coverage in Florida:
- Uninsured/Underinsured Motorist Bodily Injury Insurance
- Uninsured Motorist Property Damage Insurance
- Bodily Injury Liability Insurance
- Property Damage Liability Insurance
- Comprehensive Insurance Coverage
Minimum Requirements For Car Insurance in Florida
There are minimum requirements for car insurance in the state of Florida. The basic type of coverage that every driver is required to have is liability coverage in accordance with the rules of the Florida Department of Highway Safety and Motor Vehicles.
Florida Liability Coverage minimum coverage:
- $10,000 property damage liability
- $10,000 personal injury protection
In the event that a driver in Florida is stopped and does not have insurance, their driving privileges may be suspended and their vehicle registration may also be suspended for up to 3 years. To reinstate these privileges, the driver will need to pay a fee between $150 to $500.
Cheap Auto Insurance Discounts
At CheapAutoInsurance.co, our goal is to provide you will quality cheap auto insurance solutions. When you want to find the very best deals on car insurance, car insurance discounts are the way to go. Below is a list of commonly used car insurance discounts that Florida drivers may find useful.
- Car safety features discount
- Military or Veteran discount
- Mature driver discount
- Multi-car auto insurance discount
- Senior citizen discount
- Defensive driving discount
- Good student discount
- Infrequent usage discount
- Low-mileage discount
- Bundling insurance policies discount
- Anti-theft discount
General Florida Auto Insurance
We’ll answer all of your basic questions about Florida car insurance in this section. Use this section to get a good foundation so you can fully understand more advanced questions.
What Kind of Car Insurance do I Need in Florida?
Florida law requires you to have a minimum of $10,000 in personal injury protection, also called PIP. You also need to carry $10,000 in coverage in property damage liability. The Florida DMV can also request additional insurance if you’re in an accident or convicted of certain crimes. If you’re ready then you can buy online auto insurance through the form above.
What Is Considered Full Coverage Auto Insurance in Florida?
In Florida Full Coverage refers to the legal minimum coverage in the state. That means full coverage might not fully cover you for some events. Related: Who has the cheapest full coverage car insurance?
What Is the Best Car Insurance in Florida?
That depends what you’re looking for. Geico is the best option for good drivers and young drivers in their early 20’s, while USAA is the best option for military members. State Farm is an excellent choice for retired drivers who don’t go to work anymore.
How Does Florida Car Insurance Work?
One of the important differences in Florida’s insurance laws compared to some other states is that it’s a no-fault insurance state. That means your insurance provider must pay medical costs up to your limit no matter who’s at fault in the accident.
What do I Need to Get Car Insurance in Florida?
Each insurance company has their own policies on documentation. Usually, you’ll need a driver’s license or state ID, proof of car ownership, and a list of people who have regular access to the car like a spouse or roommate. This may change depending on the specific insurance product you’re buying. Related: What do I need for insuring salvage cars?
What Is the Most Common Auto Insurance Coverage in Florida?
The most common auto insurance coverage in Florida is full coverage. In fl this means that the insurance meets the state minimum requirements of $10,000 each for PIP and PDL.
How Does Florida No-Fault Auto Insurance Work?
No-fault insurance means that your insurance company cannot deny your medical benefits if you’re the cause of the accident. They have to pay out these benefits up to the policy limit no matter who causes the crash itself.
Is Car Inspection Required When I Switch Car Insurance to State of Florida?
That depends on the county you move to. You need an inspection within 35 days of adding a car to a policy if you live in Broward, Dade, Duval, Hillsborough, Orange, Palm Beach, or Pinellas county.
What kind of insurance should I get on a motorcycle that I do not use a lot?
You should look for insurance that has a layup period. That way you only pay for insurance during the seasons when you ride your bike. Some riders will choose cheap motorcycle insurance for this very reason since they won’t be riding much anyway.
Florida Auto Insurance Laws
Insurance isn’t just a smart idea – it’s the law! This section answers questions about car insurance laws in Florida.
What Car Insurance Is Required in Florida?
Florida law requires full coverage. However, the definition of full coverage is different. In Florida, full coverage is anything with at least $10,000 in PIP and PDL. Related: What is a good deductible for auto insurance?
What Is the Fine for Not Having Car Insurance in Florida?
The fine changes depending on how many times someone’s been found guilty of that expense. The first offense costs $150, the second costs $250, and additionally offenses cost $500. You can also have your license and registration suspended for up to 3 years for each offense unless proof of insurance is provided in time.
How Long do I Have to Transfer Insurance to a New Car Florida?
There’s no set minimum on this by the state specifically. However, you need to register your car within 30 days of becoming employed, putting your children in public school or establishing residency. You also need insurance before you can register your car. So, 30 days is the absolute maximum you can wait to transfer your insurance. Sometimes people will look to get a short term auto insurance policy until they have time to shop for something longer term. So for example one day car insurance may be an option while you shop around.
What Is Bodily Injury on a Florida Auto Insurance Card?
Bodily injury is extra coverage that pays for serious and permanent damage or deaths to other people if you are at fault for a crash.
What Is the Minimum Auto Insurance Coverage in Florida?
Florida Auto insurance minimums are $10,000 for personal injury protection and $10,000 for property damage liability. You can have other minimums if you’re in a crash or are convicted of certain crimes. Remember there’s always car insurance for veterans if you happen to be stationed in this heavily populated state. And there are other discounts you can find as well.
What Happens if You get in a Car Accident Without Insurance in Florida?
The person without car insurance will be personally responsible for any damages to people or property while they’re driving a car. They’ll also likely face criminal penalties and fines as well.
What Is Minimum Car Insurance Requirements in Florida?
The minimums can change if you’re in a crash or are convicted of some specific offenses, but for a standard situation you need $10,000 in property damage liability and the same amount of personal injury protection.
In Florida What Is Law on Liability Car Insurance?
Florida requires two types of liability coverage as a minimum. Drivers are required to have $10,000 in both personal injury protection and property damage liability coverage. Getting an auto insurance liability only policy may be cheaper but remember you’re sacrificing other coverages.
What Is the Florida State Minimum Auto Insurance?
The minimums can change if you’re in a crash or are convicted of some specific offenses, but for a standard situation you need $10,000 in property damage liability and the same amount of personal injury protection.
Auto Insurance in Florida Prices
It’s never good to overpay, and that’s especially true with insurance. This section answers your questions about car insurance prices in Florida.
How Much Is Car Insurance in Florida Per Month?
On average the cost of car insurance in Florida is $91.50 per month. However, lots of different factors can change the cost that you’ll pay.
Why Is Car Insurance so Expensive in Florida?
Florida car insurance is expensive for two reasons. First, Florida is a no-fault insurance state, so insurance companies have to pay out more frequently. Second, the $10,000 in personal injury protection mandated by state law is higher than many other states.
What Is the Cheapest Car Insurance in Florida?
For most drivers, the cheapest car insurance option in Florida is Geico. They’re cheapest for new drivers, young drivers, retired drivers, and low-credit score drivers in that state.
How to Get Cheap Car Insurance in Florida?
You’ve got a few different options to lower the cost of your insurance in Florida. If you’re a student, you can check if your company has a good grades discount. Also, no matter who you are, taking a driving class will lower your rates substantially.
Who has the Best Auto Insurance Rates in Florida?
Geico generally has the cheapest rates in Florida. However, State Farm is cheaper in some counties. That means you should use an insurance price comparison tool to see who has the cheapest rates for your address. Also you can just search for an auto insurance broker near me if you prefer working with a local agency.
What Is the Best Auto Insurance Company in Florida?
That depends what you’re looking for in an insurance company. Geico generally has the most affordable car insurance rates on insurance in Florida, except for a few counties. However, Progressive generally gets better reviews for customer service in the state. According to Mercury auto insurance reviews they’re also competitive.
Who has the Lowest Car Insurance Rates in Florida?
Depending on where you live in the state it’s either Geico or State Farm. State Farm usually has better rates in the northern part of the state and Geico has better rates in the southern party. We talk more about the lowest auto insurance rates for seniors in another article.
How Much Is Car Insurance in Florida for an 18-Year Old?
In Florida, people aged 16-20 pay an average of $326 per month. However, there’s also a huge disparity in the cost of insurance based on where people live in the state, with average rates going down the further north you go.
How Much Is Car Insurance for a 20-Year Old Female in Florida?
People in the age group of 16-20 in Florida pay an average of $326 per month for car insurance. The price drops to an average of $216 per month for people 21-25 and $185 for people aged 31-35. Some consumers look for 0 down auto insurance so they at least can avoid paying a deposit.
What Is the Average Cost of Car Insurance in Florida?
Depending on your age group and where in the state you live, the average cost of car insurance in Florida ranges from $185-$385 per month. Compare this to the average car insurance cost per month in other states.
What Is the Cheapest Car Insurance in Florida When You Have Kids?
Florida Farm Bureau insurance has some of the cheapest rates overall for parents. This is followed by USAA if you qualify through military service or a qualified family member, and Geico and Traveler’s next. Start our form to do a car insurance comparison to see which company fits your finances best.
What Is the Least Expensive Car Insurance an 81-Year-Old Man can Get in Florida?
According to our research, on average Geico has the best rates for an 81-year old man if you’re retired. Otherwise, you should check with Florida Farm Bureau Insurance.
How Much Is Car Insurance for a 16-Year Old in Florida?
In Florida car insurance for 16 year old drivers will be about $2593 per year if they are on their own policy and not their parent’s policy.
How Much Is Car Insurance in Florida for a New Driver?
That depends on lots of factors, most important where you live and what kind of car you drive, and how old you are. Drivers in the 16-20 age group pay an average of $385 per month for Florida car insurance. We wrote a more in depth article about cheap car insurance for new drivers that you may find helpful.
Why do Auto Insurance Companies in Florida Charge More for a Policy if You had a Suspended License?
There are a few possible reasons. First, a suspended license shows that you’re more likely to have an accident and trigger a claim. Second, your judgement or state law can cause you to face higher insurance prices for certain driving offenses. In the meantime some of our site visitors have also asked about car insurance no license required.
What Auto Insurance Company Is Good for Teens in Florida?
Geico is one of the best auto insurance companies for teens in Florida. They offer a wide variety of discount programs that can help you lower the cost of insurance and have some of the lowest base rates as well. Also look at the cheapest car to insure for teenager drivers.
How Much Is the Rate in Car Insurance for 2018 in Florida?
In 2018 Florida drivers paid an average of $918 per year in car insurance. Experts expect the rate to go up in 2019. Rates for rideshare insurance Florida offers may be different and is actually based on the companies that offer that.
What Is the Cheapest City in Florida for Car Insurance?
Depending on where you live, your driving history, and other factors, Florida Farm Bureau Insurance is the cheapest option for most Florida drivers. Geico also has the best rates for several categories of drivers. Take a look at who has cheapest car insurance nationwide.
How Much Is Liability Insurance for a Car in Florida?
On average drivers pay $842 for minimum liability insurance in Florida. This includes $10,000 coverage for personal injury protection and $10,000 for property damage liability. Both of these protections and limits are required by Florida law.
How to Beat Florida High Auto Insurance?
The best way to beat Florida’s high auto insurance rates is to take advantage of programs that give you discounts. Driving classes are one of the best examples. Taking a driving class will pay for itself within the first 6 months of discounted premiums you get from taking the class. Also if you have an older collector car then its best to insure with classic car insurance companies since it will be cheaper.
How Much has the Cost of Car Insurance Increased in the Last Decade in South Florida?
The cost of car insurance has been increasing at a record pace. We couldn’t find information from the last decade, but rates went up 8.5% on average from 2017-2018, and 7.5% from 2016-2017.
Auto Insurance Claims in Florida
While we hope you never have to make a claim, this section answers your questions about how car insurance claims work in Florida
In Florida, When in a Car Accident Whose Insurance Pays to Repair Your Car?
The insurance company for the individual who’s actually at fault in the accident will wind up paying for repairs. However, your insurance policy might include that your insurance company will pay for them initially and then charge the other driver’s insurance company.
Car Accident in Florida Without Cops - How do You Claim Insurance?
You’ll still report your claim the same way. Insurance companies deal with this situation all of the time. For example, accidents in parking lots and other private property don’t get a police report unless someone is hurt. Your insurance company will explain what will change about the process.
Other Florida Auto Insurance Questions
People have a ton of questions about cheap Florida auto insurance, and many of them don’t fit into our standard categories. We’ve got those answers here.
How to File a Complaint Against an Auto Insurance Company in Florida?
The Florida Department of Financial Services handles complaints against insurance companies in the state. You can contact them by phone or through their website.
What Happens if You Don't Have Car Insurance in Florida?
If you don’t have car insurance and are pulled over, you’ll face a fine of at least $150. If you’re in an accident, then you’ll be responsible for any damages you’re at fault for to persons or property, as well as your own medical bills and repairs.
What Happens If You Do Not Call Auto Insurance Company in Florida after Accident?
That depends on your specific policy. If another person files a claim and you don’t then your insurance company will be notified. Your specific policy may have exemptions for covering the accident in this event. You’ll need to read your policy to find out more.
How to File a Claim Against Geico Auto Insurance With Florida Department of Insurance?
You don’t file a claim against Geico with the Florida Department of Insurance. You file the claim with the Florida Department of Financial Services. This organization handles these kinds of complaints.
What Is the Difference Between Stacked and Unstacked Car Insurance in Florida?
Stacked and unstacked car insurance describe different levels of coverage. Stacked car insurance goes beyond your state’s legal minimums to provide extra protection from liability and damages.
How to Check if Someone has Car Insurance in Florida?
The best way to check if someone has insurance in Florida is to call the police if you’re in an accident with them. Regardless of where the accident happened, the police can tell you if they’re insured if you have their driver’s license information.
What Is the USAA Auto Insurance 5 Digit Code for Florida?
USAA’s NAIC# is 21253. They are registered as USAA Group belonging to Garrison Property and Casualty Insurance Company.
What Company Offers Non-Owner Car Insurance Florida?
We couldn’t find information on non-owner car insurance in Florida specifically, but across the country, Geico has the lowest average cost. They also tend to be one of the lowest cost insurance options for driver car insurance in Florida as well, so they’re a good bet.
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