Cheapest car insurance in Florida Today

With average car insurance premiums in Florida topping $2,000 annually, finding affordable coverage can be a challenge. Rates in the Sunshine State tend to run higher than many other parts of the country.

But savvy consumers can uncover big savings opportunities by shopping quotes, maintaining good driving habits, bundling policies, and taking advantage of discounts. Follow this guide to get the cheapest car insurance in Florida that still provides sufficient protection.

Florida Minimum Liability Coverage Requirements

Before comparing plan options and pricing, it’s important to know the minimum liability insurance requirements in Florida:

• $10,000 Personal Injury Protection (PIP)
• $10,000 Property Damage Liability (PDL)
• $10,000 Personal Liability Insurance (PLI)

Florida is a no-fault insurance state, meaning your own insurer pays medical expenses regardless of fault under PIP coverage. The low $10,000 minimums may not be adequate protection.

That's why experts strongly recommend going beyond the minimums to policies with limits such as:

• $25,000 Bodily Injury Liability per person
• $50,000 Bodily Injury Liability per accident
• $25,000 Property Damage Liability

Higher limits prevent you from paying large out-of-pocket costs if an at-fault accident claim exceeds your coverage maximums. An independent agent can provide guidance to find the right liability limits.

Comparing Quotes is Crucial for Cheap Rates

Florida drivers can save hundreds per year by comparing quotes across insurers. Auto insurance rates can vary significantly between different carriers.

Be sure to get quotes from:

• Large national brands like Geico, Progressive, Allstate and State Farm
• Prominent Florida insurers like Universal Property & Casualty (UPC) and United Automobile Insurance Company
• Online quote comparison sites like The Zebra and Gabi for quick rate comparisons

This ensures you see rates from major carriers along with options from regional companies specifically focused on the Florida market. Never go with the first insurer you see advertised without shopping around first.

The Main Factors Impacting Car Insurance Costs

Insurance companies set rates based on risk, considering criteria like:

• Driver’s age - Teens and seniors pay the most
• Driving record - Recent accidents, tickets raise rates
• Credit history - Better credit means lower premiums
• Location - Urban areas cost more than suburban and rural
• Vehicle type - Sports cars and luxury models have higher premiums
• Mileage - Driving over 15,000 miles/year raises rates

Always provide insurers with accurate details on these factors to ensure you receive an accurately priced policy.

Significant Ways to Lower Your Auto Insurance Premiums

Beyond shopping around for the best rates, there are several steps Florida drivers can take to reduce insurance costs:

• Improve your credit score - Insurers use credit-based insurance scores in rating.
• Ask about discounts - Take all available discounts like multi-policy, good student, and low mileage.
• Increase deductibles - Choosing higher deductibles of $500 or $1000 can significantly cut premium costs.
• Maintain clean driving record - Avoid accidents, traffic violations, DUI's to qualify for the best rates.
• Install antitheft devices - Features like car alarms and ignition kill switches can earn discounts.
• Buy affordable vehicle with safety features - Newer models with airbags and antilock brakes are cheaper to insure.

Take advantage of these savings opportunities annually to keep rates minimized.

Bundling Home and Auto Insurance Lowers Premiums

One popular way Florida homeowners save is by bundling home and auto policies with the same provider. Companies offer discounts of up to 20% for insuring both with them.

Bundling simplifies bill pay with a single statement while maximizing savings. Be sure to compare bundled rates from:

• State Farm
• Allstate
• Farmers
• Travelers
• Progressive

Look for insurers that offer competitive pricing on both home and auto insurance. Bundling any policies possible leads to maximum savings in Florida.

Consistently Affordable Car Insurance Companies in Florida

While your personal driver profile always impacts rates, these insurers stand out for continually offering affordable pricing in Florida:

Geico

Thanks to operating efficiency, Geico typically offers some of the lowest rates available both nationwide and in Florida.policy starts at just $27/month. Numerous discounts plus already competitive pricing.

Progressive

Progressive insures over 2 million Florida drivers. Usage-based plans and multi-policy bundles provide additional savings opportunities. Consistently affordable rates.

State Farm

The #1 auto insurer nationally, State Farm leverages its financial strength to offer low premium costs. Bundling home and auto insurance can lower premiums further through multi-line discounts.

USAA

Exclusively for military members, veterans, and their families. USAA is consistently rated as offering some of the lowest premiums in Florida, with highly regarded customer service.

While these insurers are known for low rates, always compare quotes tailored to your specific driver profile. Rates vary based on location within Florida as well. Capture quotes from both major brands and lesser-known regional names when shopping for the best deal.

Real-World Examples of Cheap Car Insurance Rates

Here are two examples of real drivers who found cheap Florida auto insurance with some savvy shopping:

Example 1 - Young Driver

Maria recently moved to Miami at age 22 and bought a used Hyundai Elantra. She has a clean history but lacks much long-term driving experience. She needs minimum liability coverage.

Here are quotes she received:

• Progressive: $178/month
• Geico: $220/month
• Allstate: $308/month

Thanks to checking rates from Florida companies like Progressive, Maria saves $130/month compared to going with Allstate.

Example 2 - Middle-Aged Driver

Mike is age 43 with 15 years of accident-free driving. He owns a home in Orlando and drives a 2019 Toyota Camry. He's looking for 100/300/100 liability limits.

His quotes are:

• USAA: $87/month
• State Farm: $102/month
• Allstate: $148/month

Because Mike qualifies for USAA as a veteran, he can take advantage of their cheap rates exclusive to members. This saves him $61/month compared to Allstate.

As you can see from the examples, significant savings are attainable by comparing quotes from top national and regional Florida insurers based on your profile and needs.

How to Find the Best Cheap Car Insurance in Florida

While Florida auto insurance rates trend high relative to other states, drivers have many opportunities to reduce their costs through smart shopping. Follow these tips to get the lowest priced quality coverage:

• Compare quotes from both major carriers and Florida insurers
• Ask about all available discounts and savings programs
• Consider bundling home and auto insurance
• Maintain a clean driving record over the long term
• Choose adequate liability limits above minimums
• Re-evaluate insurers annually as rates change

Investing a little time upfront to understand the Florida insurance market pays off through years of future savings. Find an agent familiar with local insurers and laws to guide you towards the optimal value policy for your needs.

FAQs

What is the minimum insurance required for drivers in Florida?

In Florida, the minimum insurance requirements for drivers are:

• $10,000 for personal injury protection (PIP)
• $10,000 for property damage liability (PDL).

How can getting multiple quotes help find cheaper car insurance rates?

Getting multiple quotes from different insurance companies allows you to compare rates and coverage options. Each insurance company has its own pricing model and factors that determine premiums, so obtaining quotes from multiple insurers helps you find the most affordable rate for your specific needs and circumstances.

What major car insurance companies typically offer lower rates in Florida?

Some major car insurance companies that typically offer lower rates in Florida include Auto-Owners, Geico, Westfield, and Travelers. However, the affordability of rates can vary depending on individual factors such as age, annual mileage, driving record, location, and vehicle type.

What discounts should Florida drivers ask about to lower their premiums?

Florida drivers should ask about the following discounts to potentially lower their car insurance premiums:

• Good driver discounts for maintaining a clean driving record.
• Good student discounts for students who maintain a certain GPA.
• Multi-policy discounts for bundling car insurance with other policies, such as homeowners insurance.
• Safety feature discounts for vehicles equipped with safety features like anti-lock brakes or airbags.
• Low mileage discounts for drivers who don't drive a lot.
• Affinity group discounts for being a member of certain organizations or groups.

Besides just price, what should be considered when choosing the best value insurer?

When choosing the best value insurer, it's important to consider factors beyond just price. Some key factors to consider include:

• Coverage options and limits: Ensure that the insurer offers the coverage you need and has sufficient limits to protect your assets.
• Customer service and support: Look for an insurer with a good reputation for customer service and a responsive claims process.
• Financial stability and reputation: Consider the financial strength and reputation of the insurer to ensure they can fulfill their obligations.
• Discounts and rewards programs: Evaluate the available discounts and rewards programs that can help lower your premiums or provide additional benefits.
• Policy features and add-ons: Consider any additional features or add-ons offered by the insurer that align with your needs, such as roadside assistance or rental car coverage.

Note: The information above is based on the search results provided. It is important to consult with insurance professionals or specific insurance companies for accurate and up-to-date information regarding car insurance in Florida.

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