Car Insurance Quotes Florida Cheap

Car Insurance Quotes Florida Cheap

When you are driving in Florida, it is not just the sunshine you need to think about, it is also car insurance. Known as the “Sunshine State,” Florida attracts millions of drivers, with 14.6 million licensed drivers on the road, from the northern reaches of the state down to Key West, where Ernest Hemingway once lived. Whether you’re a resident or just visiting, it’s important to remember that car insurance is required by law.

Florida is a no-fault state, meaning drivers are required to carry Personal Injury Protection (PIP) and Property Damage Liability (PDL) insurance. In 2021, the state saw over 400,000 car accidents, with 3,433 of those being fatal. Additionally, a significant 20.4% of Florida drivers are on the road without any insurance coverage.

For those looking for affordable car insurance, finding cheap car insurance quotes in Florida is essential. Rates can vary depending on factors like your driving history, the type of car you drive, and even your zip code. With so many drivers on the road, it is important to shop around for the best rates and get the coverage you need to stay protected. Whether you’re looking for minimum coverage or a more comprehensive policy, getting multiple quotes can help you find the most affordable options in the state.

Average Cost Of Car Insurance In Florida

In 2024, the average cost of car insurance in Florida was $3,682, which is about 68% higher than the national average, according to research. However, the actual cost varies based on factors like your age, location, and driving history. Some drivers opt for minimum coverage, while others choose more comprehensive protection. Some Companies offer customized policies to help you save money by only paying for the coverage you need.

In Florida, the minimum required coverage includes $10,000 per person and $20,000 per accident for bodily injury, along with $10,000 per accident for property damage.

Cheapest car insurance in Florida for full coverage

Full coverage car insurance in Florida includes the state’s required liability and PIP coverage, along with collision and comprehensive insurance, which help cover damage to your vehicle from accidents or incidents like hitting an animal. Many experts recommend full coverage if it’s within your budget, as it provides more complete protection. If you have a car loan or lease, your lender may require it.

Some of the cheapest options for full coverage in Florida come from State Farm and Allstate, both of which offer rates below the state average. State Farm has an average annual premium of around $3,094, while Allstate’s is about $3,999. Other providers like Geico and Progressive tend to be more expensive, with Progressive’s rates averaging over $5,500 per year.

READ: Car Insurance Claim Lawyer Near Me

Do you need car insurance in Florida?

Yes, Florida law requires drivers to have at least $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). This coverage helps protect those involved in an accident by ensuring at-fault drivers can cover basic injury and damage costs.

Florida Car Insurance Laws

Florida’s car insurance laws are pretty straightforward, but it’s important to understand the basics to avoid penalties. This guide covers the state’s insurance requirements, what happens if you drive without coverage, and when you need to report an accident.
Mandatory Car Insurance Requirements in Florida Florida law requires all drivers to carry:

$10,000 in Personal Injury Protection (PIP)
$10,000 in Property Damage Liability (PDL)

Because Florida is a no-fault state, drivers must have PIP coverage, which helps pay for their own medical expenses and certain other costs after an accident, regardless of who was at fault. Instead of filing a claim against another driver, each person involved in a crash relies on their insurance for coverage.

Why is car insurance so expensive in Florida?

Car insurance in Florida is among the most expensive in the country due to several factors. A high number of uninsured drivers, a large population of high-risk drivers, unpredictable weather, and strict insurance requirements all contribute to the higher costs.

Who Has The Cheapest Car Insurance in Florida?

Travellers offer the cheapest full-coverage car insurance in Florida, with State Farm also providing rates below the state average. To find the best deal, it’s a good idea to compare quotes from multiple insurance companies.

Factors Affect Your Car Insurance Premium in Florida?

While knowing the average cost of car insurance in Florida is helpful, many drivers wonder how their specific rate is determined. The truth is, that insurance premiums vary from person to person based on several factors. Florida allows insurance companies to consider common data points used nationwide, including:

Age – Younger drivers typically pay more.
Gender – Some insurers factor in gender when setting rates.
Credit score – A lower score can mean higher premiums.
Education & occupation – Certain jobs and education levels may influence rates.
Marital status – Married drivers often get lower rates.
Zip code – Where you live affects your risk level.
Car type – Expensive or high-performance vehicles usually cost more to insure.
Driving history – Accidents and traffic violations can raise your premiums.

READ: Car Insurance Quotes Full Coverage

How To Get Cheap Car Insurance Quotes In Florida

Getting cheap car insurance quotes in Florida is key to saving money while staying covered. Here’s how you can find affordable rates:

Compare Quotes:

Use online comparison tools to get quotes from multiple insurers. Websites like The Zebra and Insurify can help you compare rates based on your specific profile. This way, you can find the best deal for your needs.

Understand Your Coverage Needs:

Florida requires drivers to have Personal Injury Protection (PIP) and Property Damage Liability (PDL), but you may want to consider adding extra coverage for better protection. Just remember, higher coverage usually means higher premiums.

Keep a Clean Driving Record:

A history of safe driving can lower your premiums. Insurance companies typically reward drivers without accidents or traffic violations with better rates.

Look for Discounts:

Many insurers offer discounts for things like bundling home and auto insurance or having certain safety features in your car. For example, Liberty Mutual offers savings for bundling policies.

Review Your Policy Regularly:

Your insurance needs may change over time, so it’s a good idea to review and update your policy to make sure it fits your current situation. Adjusting your coverage can help you get better rates.

Insurance Companies That Offer Cheap Quotes In Florida

If you are looking for affordable car insurance in Florida, here are a few companies that offer competitive rates:

Geico

Known for low rates, Geico offers discounts for safe driving and vehicle safety features, making it a great choice for budget-conscious drivers.

State Farm

With great discounts for bundling policies and safe driving, State Farm provides some of the best rates around.

Travelers

Travelers are often one of the more affordable options for full coverage, especially if you qualify for their discounts.

Liberty Mutual

Liberty Mutual offers savings when you bundle your home and auto insurance, helping to reduce your overall premiums.

Progressive

Progressive offers flexible coverage options and discounts for things like a clean driving record or bundling policies.

Allstate

Allstate gives discounts for safe driving and can help lower your rates if you bundle auto and home insurance.

Nationwide

Nationwide offers competitive rates and savings for safe driving and bundling multiple policies together.

You can find affordable car insurance in Florida by comparing quotes from top providers like State Farm, Geico, and Progressive. Make sure to look for available discounts, keep a clean driving record, and choose the right coverage to get the best deal while meeting the state’s legal requirements. Visit the website for more information. I hope the provided information is helpful, share your thoughts below in the comment section.

RELATED LINKS