If you are searching for best car insurance Florida can provide a lot of opportunities, it would be a great idea to compare present possibilities. Despite the fact that current coverage rates differ from one insurer to another, you can find your own option, which is based on such factors as your credit history, driving record and age. In order to make things easier, we’ve made some researches related to largest companies in Florida and found some best choices for several locations and driver types. And you can do this online!
Cheapest insurance company in Florida
Here you can check out the best car insurance companies in Florida:
- Auto Owners
- Horace Mann
- National Wide
- State Farm
Auto insurance rates: Florida
|Rank||Auto Insurance Company||Annual Premium|
|1||Florida Farm Bureau Insurance||$381|
|15||Ocean Harbor / Pearl Holding Group||1,723|
Rates by categories
We’ve sorted driver types by three categories: good drivers, young drivers, and drivers with one at-fault crash so you can easily navigate to this article, looking for car insurance quotes Florida and find the best commercial deal.
First one is for drivers without at-fault accidents, moving violations or DUIs
- State Farm - $1850
- Geico – $2000
- Esurance - $2760
As we can see in our first list of car insurance companies in Florida, State Farm provides cheapest options for good drivers, only $1850 per year, in other words, the average price is about $155, and this is how much is lowest auto insurance in Florida per month by State Farm. Then, respectively, we have Geico and Esurance. As we can see, the price is much bigger with the latter. If you want to trim costs, you should look for discounts, like for moving violations or avoiding accidents to get the best deal in the south state.
- Geico - $1250
- State Farm - $1360
- Esurance - $1850
There are our next Florida car insurance rates. Young drivers (in the early 20s, basically students) tending to have only a few assets in order to protect from lawsuits that have any relation to crashes. This fact means that such drivers should know how to get by score relative coverage and leaner coverage in Florida. As we can see, Geico offers cheapest options in our group, only $1250 per year. This offer is cheaper than the best deal that we’ve found for 30s-year-old drivers who has more coverage.
- State Farm - $2160
- Geico - $2880
- Liberty Mutual - $4100
State Farm keeps the best deal for our group. It is only $26 higher than the lowest coverage for drivers with no crashes and of the same age, and this is low cost. The most expensive quote that we’ve found is over $5000 so it is really important for drivers with a stained record to learn about this market to avoid enormous hits to the wallet.
Car coverage requirements
According to Floridian laws, people must carry injuring protection and damage liability. Minimum requirements for Floridians:
- $10000 damage liability for each accident
- And $10000 for PIP
For those who are at fault in a crash, Floridian laws require a driver to be able to pay for the following requirements (not for non-residents):
- $10000 in bodily injury (per person)
- $20000 in bodily injury (per accident)
We recommend caring more than just a minimum when we are talking about each part of your auto liability quote. Also, you probably want to get protection from some optional coverage, like comprehensive and collision. This is the answer to a “do you need affordable car insurance Florida?” question.
No-fault quotes in Florida
Florida is a part of several states that the system called no-fault car insurance. In this states, if a driver is injured in an accident by a third person can seek compensation from an at-fault insurer. But first, all parties that are involved in an accident first have to make a claim to their insurers and there is no difference in who caused this incident. In Florida, a driver is required to carry minimum $10000 of PIP. By the way, such option is literally called Florida no-fault coverage. It also includes Jacksonville, Miami, Tampa, Orlando and other cities.
Cost of Car Insurance in Florida: by City
|City||County||Avg Annual Premium|
|New Port Richey||Pasco||1,413|
|Port St. Joe||Gulf||893|
|Port St. Lucie||St. Lucie||1,258|
|St. Augustine||St. Johns||1,027|
|West Palm Beach||Palm Beach||1,849|