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Cheapest Car Insurance in Florida

Whether you’re a young driver sporting a commendable record or a seasoned driver on a quest to economize, we have carefully examined the options to help you get the best and cheapest car insurance in Florida according to your needs. Let’s explore!
Cheapest Car Insurance in Florida
Cheapest Car Insurance in Florida
Navigating Florida's exceptional car insurance terrain proves to be a formidable endeavor. It necessitates a nuanced comprehension of the state's distinct driving conditions, diverse population, and diverse insurance prerequisites. Therefore, we have compiled a guide to help you uncover the best and cheapest car insurance in Florida.
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Florida, known for its palm-lined streets and scenic coastlines, masks a formidable challenge for its drivers: the surge in car insurance expenses. Florida leads the nation with an average yearly premium of $2,560. The disturbing part is that this figure is poised to escalate further due to the swift onset of climate change.

This troubling trend is chiefly propelled by the mounting impacts of climate change, giving rise to extreme weather events that amplify the likelihood of vehicle damage. Consequently, this increased risk translates into unprecedented premium costs, burdening Florida’s drivers.

Navigating Florida’s exceptional car insurance terrain proves to be a formidable endeavor. It necessitates a nuanced comprehension of the state’s distinct driving conditions, diverse population, and diverse insurance prerequisites. This comprehensive guide aims to uncover the most economical policies accessible to drivers of all ages and backgrounds. Before finalizing your car insurance, it is important to compare quotes from different insurance providers. Use Beem to get the best car insurance quotes and get upto 40% off on your preferred insurance coverage.

Whether you’re a young driver sporting a commendable record or a seasoned driver on a quest to economize, we have carefully examined the options to ensure their suitability for your needs.

Cheapest Car Insurance in Florida

High car insurance rates to Florida, with an average of $1,128 for minimum coverage and $3,183 for full coverage, including collision and comprehensive insurance. These figures exceed the national averages of $622 and $2,014, respectively. Moreover, Florida leads the nation in annual insurance expenses, with drivers paying an average of $2,560, compared to the national average of $1,682. Despite this, there are affordable insurance options available. We’ve meticulously reviewed numerous insurers to identify the best rates in Florida, ensuring you can find cost-effective coverage.

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What is the Cheapest Car Insurance in Florida?

Our recent analysis reveals that State Farm, Geico, and Allstate are Florida’s most budget-friendly car insurance providers. They offer full coverage insurance at an average annual rate of $1,652, which translates to a monthly cost of $138. This is a noteworthy $899 less than the state’s average rate of $2,551. The table below illustrates the average insurance rates by company.

COMPANYAVERAGE RATE
Allstate$3,898
Geico$1,765
Mercury$2,517
National General$3,246
Nationwide$2,155
Progressive$2,564
State Farm$1,652
Travelers$1,950
United Automobile$3,235
Statewide Average$2,551
Table 1.0 – Average annual auto insurance rate 2023 

How We Chose the Cheapest Companies in Florida

We conducted a comprehensive and data-oriented analysis to pinpoint Florida’s most budget-friendly car insurance providers. Our assessment encompassed premium quotes from multiple insurers throughout the state. It focused on variables like coverage type, policyholder demographics, and geographical location.

In addition to base rates, we considered the impact of discounts, customer feedback, and financial stability ratings. This meticulous methodology guarantees that our suggestions not only deliver affordability but also uphold high standards of service and dependability.

Cheap Car Insurance in Florida

Obtaining affordable auto insurance in Florida can be challenging, as the state’s average costs surpass the national average. For instance, the minimum car insurance coverage is around 45% more expensive than the national average.

However, diligent research and quote comparisons from various insurers can help Floridians discover cost-effective full coverage options. Companies like State Farm and Geico stand out for their competitive rates. Florida residents should actively pursue insurance discounts and periodically review their policies to ensure they receive the best premiums.

Florida Rates for Teen Drivers

Teen drivers, particularly 17-year-olds, typically encounter steep insurance costs due to their limited experience. In Florida, annual average rates for females reach $8,165, while males face even higher costs at $9,150. Geico is the most cost-effective option, offering annual rates of $3,805 for females and $4,078 for males. Conversely, Allstate presents the priciest rates for teen drivers in Florida, averaging $16,597 for females and $18,311 for males. 

COMPANYFEMALE TEEN DRIVERSMALE TEEN DRIVERS
AllState$16,597$18,311
Geico$3,805$4,078
Mercury$11,740$12,883
National General$6,852$7,224
Nationwide$7,342$9,305
Progressive$7,899$8,492
State Farm$4,105$5,245
Travelers$5,924$7,267
United Automobile$8,166$9,514
Statewide Average$8,165$9,150
Florida Rates for Teen Drivers
Cheapest Car Insurance in Florida 5

Cheapest for 20-year-old Drivers

Affordable car insurance is essential for 20-year-old drivers in Florida, who often face high premiums due to their limited driving experience. This elevated cost is primarily because insurers see them as higher risk, given their inexperience on the road.

To address this, young drivers must explore options from insurers like Geico, Progressive, and State Farm for competitive full coverage rates or consider providers like Travelers and Direct Auto Insurance for budget-friendly minimum legal coverage. Discounts for good grades or protective driving courses can further reduce expenses. Get up to 40% off on affordable car insurance with Beem.

Cheapest full coverage car insurance in Florida for 20-year-olds

When securing the most affordable full coverage car insurance in Florida for 20-year-olds with clean driving records, several top contenders emerge. State Farm leads the pack with an annual average rate of $3,986, followed closely by Geico at $4,158, Travelers at $4,457, AIG at $5,067, and United Auto at $5,625, providing ample options for cost-conscious young drivers.

Cheapest minimum coverage car insurance in Florida for 20-year-olds

Several insurance companies offer cost-effective monthly rates for 20-year-old drivers in Florida seeking the state’s minimum coverage. Geico leads with an average monthly rate of just $65. Following closely are Travelers at $75 per month, State Farm at $76 per month, Nationwide at $94 per month, and AIG at $123 per month. These options provide essential coverage at budget-friendly monthly rates.

Cheapest auto insurance in Florida for 20-year-olds with poor credit

Poor credit can impact insurance rates, but companies like Direct Auto and Geico may still offer relatively affordable options for young drivers with less-than-perfect credit. you can change your car insurance company at any time

Cheapest auto insurance in Florida for 20-year-olds with one speeding ticket

A single speeding ticket doesn’t have to break the bank. Companies like Travelers and Nationwide may provide reasonable rates for 20-year-olds with minor infractions on their record.

Cheapest auto insurance in Florida for 20-year-olds with one at-fault crash

Accidents happen, especially for young drivers. Consider looking into Geico or Travelers for competitive rates if you have one at-fault crash on your record.

Cheapest auto insurance in Florida for 20-year-olds after a DUI

A DUI can have a major impact on insurance rates. Providers like AIG and Travelers may offer affordable options for 20-year-olds seeking coverage after a DUI conviction.

Cheapest for 30-year-old Drivers

As individuals transition into their thirties, a notable shift towards more favorable car insurance rates is primarily attributed to accumulating driving experience. This age group typically encounters more affordable premiums than their younger counterparts. Nevertheless, it’s crucial to acknowledge that several factors, including one’s driving record and choice of vehicle, can still impact the pricing.

To secure the most advantageous rates, 30-year-old drivers should engage in diligent comparison shopping and leverage any applicable car insurance discounts. This proactive approach empowers them to optimize savings without compromising on the level of coverage they need, ensuring both affordability and adequate protection.

Cheapest full coverage car insurance in Florida for 30-year-olds

For 30-year-olds seeking full coverage, companies like Geico, Travelers, and State Farm often remain competitive options, with rates likely lower than what younger drivers pay.

Cheapest minimum coverage car insurance in Florida for 30-year-olds

Providers like State Farm and Mercury Insurance can offer cost-effective policies for 30-year-olds if you prefer minimum coverage.

Cheapest auto insurance in Florida for 30-year-olds with poor credit

While poor credit scores impact insurance rates, 30-year-olds can still discover affordable options. Companies like United Auto and Direct Auto offer competitive rates despite credit challenges.

Cheapest auto insurance in Florida for 30-year-olds with one speeding ticket

Even in their 30s, a speeding ticket can significantly influence insurance rates.

Consider exploring options with Geico or Travelers for budget-friendly coverage.

Cheapest auto insurance in Florida for 30-year-olds with one at-fault crash

Even with one at-fault crash on your record, securing affordable auto insurance in Florida is possible. Companies like State Farm and Travelers provide budget-friendly options without sacrificing coverage quality.

Cheapest auto insurance in Florida for 30-year-olds after a DUI

After a DUI, finding affordable coverage can be challenging. However, providers like State Farm and Geico may offer relatively competitive rates for 30-year-olds.

Also Read: Best Car Insurance in Brandon Florida

Cheapest for 40-year-old Drivers

Entering your forties typically translates to lower insurance rates, courtesy of your accrued driving experience. While 40-year-old drivers enjoy better rates than their younger counterparts, they may still pay more than older age groups. To secure the most affordable car insurance, it’s advisable to compare quotes from multiple insurers diligently.

Additionally, infrequent drivers might explore pay-per-mile insurance options, which can offer cost-effective coverage tailored to their driving habits.

Cheapest full coverage car insurance in Florida for 40-year-olds

Securing full coverage car insurance in Florida is affordable for 40-year-old drivers with clean records. State Farm leads the pack, offering an annual average rate of $1,710 or $142 per month. Geico follows closely with $2,333 annually or about $194 per month, known for its straightforward approach and discounts.

Travelers provide affordable and comprehensive coverage at $2,362 per year or around $197 monthly. AIG and Nationwide offer competitive options, emphasizing financial stability and personalized service for those seeking reliable coverage. While these rates are a starting point, individual factors can influence the final premium, making it essential to obtain personalized quotes.

Cheapest minimum coverage car insurance in Florida for 40-year-olds

For 40-year-olds in Florida seeking minimum coverage, options abound with competitive monthly rates. State Farm offers coverage starting at just $28, while Geico follows at $40 monthly. Travelers, Nationwide, and Mercury provide alternatives with monthly rates ranging from $50 to $71.

Cheapest auto insurance in Florida for 40-year-olds with poor credit

For 40-year-old drivers in Florida facing the challenge of poor credit, there are options with the lowest average rates for full coverage. United Auto offers coverage at $3,183 per year, equivalent to approximately $265 per month, while State Farm follows closely at $3,191 annually or about $266 per month.

AIG presents a competitive choice at $3,402 per year, roughly $284 per month, and Direct Auto provides an alternative at $3,778 per year or approximately $315 per month. These insurers extend cost-effective solutions, even in the face of credit challenges, allowing drivers to access the coverage they need at reasonable rates.

Cheapest auto insurance in Florida for 40-year-olds with one speeding ticket

For Florida drivers grappling with a recent speeding ticket, several insurers offer the lowest average rates for minimum coverage. State Farm leads the way at $415 per year, or approximately $35 per month, followed by Geico at $614 annually, roughly $51 per month, and Travelers at $787 per year, equivalent to about $66 per month. It’s essential to note that a speeding ticket can impact insurance rates, making it crucial for drivers to seek budget-friendly options after such an incident.

Cheapest auto insurance in Florida for 40-year-olds with one at-fault crash

Seeking affordable coverage for 40-year-olds with one at-fault crash in Florida? Consider the following insurers with competitive monthly rates: State Farm at $181, Geico at $245, Travelers at $273, and United Auto at $341.

Cheapest auto insurance in Florida for 40-year-olds after a DUI

A DUI conviction can significantly impact insurance costs. However, despite this, insurers are offering more affordable options. AIG provides annual coverage of $3,613, approximately $301 per month. Travelers follow closely at $3,721 annually, or about $310 monthly. For another alternative, Direct Auto offers coverage at $3,916 annually, which translates to approximately $326 per month.

Cheapest for 50-year-old Drivers

As you enter your fifties, insurance rates typically remain in your favor, mirroring your extensive driving history. 50-year-old drivers tend to experience more affordable car insurance rates than other age groups, and these rates can further decrease as they approach their sixties, accumulating more driving experience. However, it’s essential to remember that rates might vary depending on gender and location. Engaging in comparative shopping and exploring available discounts is wise to secure the most advantageous rates.

Cheapest full coverage car insurance in Florida for 50-year-olds

Affordable full coverage options are within reach for Florida’s 50-year-old drivers with clean records. Explore quotes from insurers like State Farm, offering a monthly rate of $137, Travelers at $189 per month, and United Auto with a monthly rate of $252.

Cheapest minimum coverage car insurance in Florida for 50-year-old

Florida drivers aiming for the state’s minimum coverage can consider Travelers offering rates from $45, Nationwide from $49, and Mercury from just $60 monthly.

Cheapest auto insurance in Florida for 50-year-olds with poor credit

Even with less-than-ideal credit, 50-year-olds can access reasonable rates. United Auto starts at $3,018 annually, which translates to $252 monthly. State Farm offers a rate of $3,049 per year or $254 per month, and AIG provides an annual rate of $3,429, equivalent to $286 per month. These insurers offer cost-effective solutions for those navigating credit challenges in Florida.

Cheapest auto insurance in Florida for 50-year-olds with one speeding ticket

If you’re a 50-year-old driver in Florida dealing with a recent speeding ticket, consider these insurers with favorable rates: Travelers at $710 per year or around $59 per month, Nationwide at $827 annually, equivalent to about $69 per month, and Mercury at $1,027 per year, or approximately $86 per month. Checking quotes from these insurers may yield cost-effective coverage solutions despite the speeding ticket on your record.

Cheapest auto insurance in Florida for 50-year-olds with one at-fault crash

Securing cost-effective auto insurance is possible for 50-year-olds in Florida with one at-fault crash. Travelers offer rates starting at approximately $264 per month, followed by United Auto at around $323 per month and Nationwide at approximately $362 per month. These insurers provide accessible options even after an at-fault incident.

Cheapest auto insurance in Florida for 50-year-olds after a DUI

Finding economical auto insurance in Florida for 50-year-olds post-DUI is possible. State Farm offers monthly rates starting at $197, while Geico provides an alternative at $275. Explore these options for cost-effective coverage.

Cheapest for 60-year-old Drivers

While 60-year-olds generally enjoy lower car insurance rates, they must recognize that costs may rise as they age. To secure budget-friendly insurance for seniors, 60-year-old drivers should prioritize comparison shopping and explore discounts tailored to their age group.

Cheapest full coverage car insurance in Florida for 60-year-olds

On average, seniors pay around $2,250 to $2,254 annually. Geico stands out as the most affordable option, with a monthly rate of $117 for 65-year-olds. State Farm is also a budget-friendly choice, offering coverage at $131 per month for senior drivers in Florida.

For 60-year-olds seeking full coverage, companies like Geico, Progressive, and State Farm often provide competitive rates.

Cheapest minimum coverage car insurance in Florida for 60-year-olds

Florida’s 60-year-olds can secure budget-friendly options, with State Farm at $24 per month and Geico at $36 per month.

Cheapest auto insurance in Florida for 60-year-olds with poor credit

Even with subpar credit, 60-year-olds can find reasonable rates with companies like Direct Auto and AIG, with monthly rates starting from $298 and $259, respectively.

Cheapest auto insurance in Florida for 60-year-olds with one speeding ticket

A speeding ticket can raise insurance rates. For the best post-ticket rates, seniors can explore Travelers and Nationwide, known for affordability in Florida.

Cheapest auto insurance in Florida for 60-year-olds with one at-fault crash

A single at-fault crash doesn’t have to result in high premiums for 60-year-olds. Explore options with State Farm or Travelers for budget-friendly rates.

Cheapest auto insurance in Florida for 60-year-olds after a DUI

A DUI can significantly impact insurance rates. After a DUI, seniors may find reasonable rates with State Farm at $185 per month, Geico at $264 per month, or AIG at $278 per month in Florida.

Cheapest for 70-year-old Drivers

Affordable Options for 70-Year-Old Drivers: As car insurance rates may increase at 70, cost-conscious seniors should explore multiple quotes and seek insurers offering senior discounts, such as those for defensive driving courses

Cheapest full coverage car insurance in Florida for 70-year-olds

Among insurers offering budget-friendly rates, State Farm leads with a monthly rate of $134, followed by Geico at $177.

Cheapest minimum coverage car insurance in Florida for 70-year-olds

Monthly rates start at $44 with Travelers, $51 with Nationwide, and $60 with Mercury, offering cost-effective options for senior drivers.

Cheapest auto insurance in Florida for 70-year-olds with poor credit

Budget-friendly options for 70-year-olds with Poor Credit in Florida start at $247 per month with State Farm, $254 with United Auto, and $280 with AIG offer accessible choices despite credit challenges.

Cheapest auto insurance in Florida for 70-year-olds with one speeding ticket

Don’t Let a Speeding Ticket Hinder Your Quest for the Best Insurance Rates. A 70-year-old in Florida with one speeding ticket can consider USAA and Liberty Mutual, which often provide affordable coverage. 

Cheapest auto insurance in Florida for 70-year-olds with one at-fault crash

Senior drivers in Florida who have experienced one at-fault accident can still access affordable insurance rates. Shopping around and obtaining quotes from different insurers is crucial. It’s essential not to let accidents deter you from finding affordable insurance options.

Companies like State Farm offer competitive rates, with annual insurance premiums averaging $2,029, ensuring you can secure the coverage you need without breaking the bank.

Cheapest auto insurance in Florida for 70-year-olds after a DUI

DUI is a severe offense at any age. 70-year-old Florida drivers can consider options like State Farm, Geico, and AIG to find the best insurance rate. Click here to find the best auto insurance deals up to 40% off with Beem.

How Much Is Full Coverage Car Insurance in Florida?

Various factors come into play when determining car insurance rates in Florida, such as your age, driving record, and credit score. Obtaining and comparing quotes from multiple providers is crucial to finding the most budget-friendly coverage.

Renowned companies like State Farm and Allstate are recognized for their competitive rates. However, your unique circumstances will ultimately influence your premium. A comprehensive evaluation of your options empowers you to make an informed decision about securing full coverage car insurance in Florida.

How Much Is Full Coverage Car Insurance in Florida
Cheapest Car Insurance in Florida 6

Average Annual Car Insurance Rates in Florida by Company

Florida’s average annual car insurance rates vary significantly depending on your chosen insurance provider. To find the Cheapest Car Insurance in Florida, residents can consider companies like State Farm, which provides full coverage at an annual cost of $2,307; not very far from them is Geico, with an annual premium of $2,356 for full coverage, followed by Allstate and progressive with an annual cost for full coverage standing at $3,137 and $3,251 respectively.

How Much Is Liability-Only Coverage Car Insurance in Florida?

Liability-only coverage provides limited protection and varies depending on your insurance provider and driving profile. Rates hinge on age, driving history, and credit score. It’s essential to compare quotes to determine the cost of liability-only car insurance tailored to your unique circumstances in Florida.

Minimum Car Insurance Requirements in Florida

To legally drive in Florida, you must maintain at least minimum coverage, reflecting the state’s no-fault status. This includes $10,000 personal injury protection (PIP) and $10,000 property damage liability per accident. While bodily injury liability isn’t mandatory, you must prove financial responsibility if opting out, often through insurance or self-insurance certificates. Penalties for causing injuries without bodily injury coverage include fines, license suspension, and potential SR-22 or FR-44 requirements.

If you choose bodily injury coverage, it should be at least $10,000 per person and $20,000 per accident. Uninsured motorist coverage is also offered but can be declined in writing.

While minimum coverage reduces premiums, experts recommend higher limits for better financial protection. Remember that it excludes comprehensive and collision coverage, usually required for financed or leased vehicles.

Tips for How to Get Cheap Car Insurance in Florida

Finding cheap car insurance in Florida isn’t solely about choosing the right provider; it also involves making intelligent decisions to reduce insurance costs. Here are some tips to help you get the most affordable coverage:

1. Maintain a clean driving record: Avoid accidents and traffic violations to ensure that your insurance rates remain low. 

2. Improve your credit score: A strong credit score can help reduce insurance premiums.

3. Choose higher deductibles: Opting for a higher deductible can reduce your premium, but be prepared to pay more out of pocket if you file a claim.

4. Bundle policies: Many insurers offer discounts for bundling your car insurance with other policies like home or renters insurance.

5. Take advantage of discounts: Inquire about discounts for good grades (if you’re a student), safe driving courses, or anti-theft devices.

6. Drive less: Reduce mileage by carpooling, using public transportation, or working from home. Less time on the road can lead to lower premiums.

7. Shop around: Don’t settle for the first quote you receive. Compare rates from multiple insurance providers to find the best deal for your needs.

8. Maintain continuous coverage: Gaps in your insurance history can lead to higher rates, so keep coverage active even when between vehicles.

No-fault Insurance in Florida

Florida operates under a ‘no-fault’ law, meaning that regardless of fault, both parties involved in a car accident turn to their auto insurance for claims. Personal Injury Protection (PIP) insurance is mandatory for all Florida drivers to cover this. PIP covers medical treatment, lost wages, and related expenses. However, there are limits, and if injuries surpass these limits or meet the ‘injury threshold,’ a lawsuit against the other driver may be pursued.

Cheapest Car Insurance in Florida
Cheapest Car Insurance in Florida 7

Conclusion

Navigating the world of car insurance in Florida can be complex, but with the correct information and strategies, you can find affordable coverage that suits your needs. Remember that the cheapest car insurance for you will depend on various factors, including your age, credit score, and the type of coverage you require. Before making a decision, compare quotes from multiple providers, consider bundling policies, and explore discounts that may apply to your situation.

By taking these steps and understanding Florida’s insurance requirements, you can secure the best and most cost-effective car insurance policy for your unique circumstances. Beem will help you stay on top of the best car insurance rates with personalized quotes and the best deals.

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FAQs

Is car insurance required in Florida?

Yes, car insurance is required in Florida. The state mandates a minimum of $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL).

Which cars are required to be insured in Florida?

All vehicles driven or parked on public roads must be insured in Florida. This includes passenger cars, trucks, motorcycles, and commercial vehicles.

When should I get car insurance in Florida?

You should obtain car insurance in Florida before driving on public roads. Driving without insurance can lead to penalties, fines, and potential driver’s license suspension.

How much car insurance do I need in Florida?

At a minimum, you need $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). However, it’s advisable to consider higher coverage limits for better protection.

How much is car insurance in my city in Florida?

Car insurance rates can vary significantly by city in Florida. To get accurate quotes, you must provide your specific location to insurance providers when requesting quotes.

What happens if my car is not adequately insured in Florida?

Driving without proper insurance in Florida can result in penalties, including fines, license suspension, and vehicle impoundment.

Is Florida a no-fault state?

Yes, Florida is a no-fault insurance state, meaning that your insurance company pays for your medical expenses and certain other costs regardless of fault in an accident.

Do I need uninsured motorist coverage in Florida?

Uninsured motorist coverage is not required in Florida, but it can provide added protection if you’re involved in an accident with an uninsured or underinsured driver.

Is liability insurance required in Florida?

Yes, liability insurance is required in Florida in the form of Property Damage Liability (PDL) coverage.

Does Florida accept digital insurance cards?

Florida law allows drivers to provide proof of insurance electronically through their smartphones or other digital devices.

Is insurance expensive in Florida?

Insurance rates in Florida can vary widely based on various factors, including your age, driving history, location, and the insurance provider you choose. While some areas of Florida may have higher rates due to traffic and crime, others may be more affordable.

What’s the average cost of car insurance in Florida?

The average cost of car insurance in Florida can vary significantly depending on your circumstances and location. Floridians pay higher rates than the national average due to factors such as the state’s unique insurance requirements and weather-related risks. It’s essential to obtain personalized quotes to determine the insurance cost for your specific situation.

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Team Beem brings you the latest in the world of personal finance to you. From tips and tricks on how to manage money to how to get cash for emergencies, Beem is your destination for all the information you need to be smart about your money.

This page is purely informational. Beem does not provide financial, legal or accounting advice. This article has been prepared for informational purposes only. It is not intended to provide financial, legal or accounting advice and should not be relied on for the same. Please consult your own financial, legal and accounting advisors before engaging in any transactions.

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