The World's Greatest Car Accident You can Really Buy

To find the best car insurers in Florida, Money considered well-known companies offering affordable coverage, discounts and other features to help you save. Florida law requires drivers to have a minimum auto liability insurance of $10,000 for PIP/ PDL, but our list includes reasonably-priced coverage options that exceed these limits. Allstate is the top car insurance provider for the state of Florida for overall customer satisfaction based on J.D. Power's 2020 U.S. Car Insurance Satisfaction Study. Lower-risk drivers pay an average rate of $1,485 for minimum coverage and $2,359 for full coverage with Allstate. Meanwhile, higher-risk drivers could pay between $3,452 and $4,884. While Allstate’s premiums for higher-risk drivers may seem high, the company offers exclusive rewards for safe driving. For example, you’re entitled to a “safe driving bonus” check for every six months you're accident-free and can qualify for accident forgiveness even if you're a high-risk driver. Discounts: Safety equipment, teen driving, bundling policies, new car, safe driving and payment discounts.

Finally, we gathered rate quotes from each company based on two customer profiles: one high-risk driver and one low-risk driver. Quotes obtained for the purpose of this research exceed the minimum liability insurance requirements in Florida. Insurance underwriters determine premiums based on demographic and statistical information linked to higher or lower risks of incurring losses. While risk factors vary from one insurer to the next, some key factors are common amongst insurers. Higher-risk drivers are those who have bad credit, a spotty payment history or violations such as DUIs on their driving records. However, a clean driving record does not a low-risk driver make. There are other factors that determine your risk level and, subsequently, your car insurance premium. To obtain quotes from the auto insurers on this list, Money’s team constructed two client profiles, one considered lower-risk and another considered higher-risk based on personally identifiable information linked to higher and lower likelihoods of incurring losses. While credit and past traffic infractions such as speeding tickets influence premiums, we omitted these factors from our customer profiles. The car insurance quotes collected for Money’s Best Car Insurers in Florida are for coverage amounts that exceed the state’s minimum liability insurance requirements of $10,000 in personal injury protection (PIP) and property damage liability (PDL) coverage. As we obtained car insurance quotes, we found that most insurers offer three coverage tiers, from basic to comprehensive. While some basic tiers provided coverage that often exceeded Florida's minimum liability insurance requirements, each coverage package was customizable to a point. That means some companies include extra coverage options you can't opt-out of, like PIP, rental reimbursement or accident forgiveness. You can, however, adjust coverage limits based on your needs.

Waive the auto accident surcharge. Discounts: Teen driver, bundling policies, loyalty, safe driving and payment discounts. Amica Mutual Car Connect: Get quotes for car models you’re looking to purchase. Amica Mutual Contractor Connect: Access to Amica’s network of home remodeling contractors. Farmers wasn't included in J.D. Power's 2020 U.S. Car Insurance Satisfaction Study for Florida, yet the insurer was featured in most other states scoring just below the regional average for overall customer satisfaction. Low-risk drivers in the state of Florida can expect to pay between $1,001 for minimum coverage and $1,657 for maximum coverage with Farmers. On the other hand, high-risk drivers could pay between $10,276 and $10,819, respectively. Although Farmers offers perks like rental reimbursement, it charges some of the highest premiums out of all the companies on our list, both for high- and low-risk drivers. To help customers reduce their premiums, Farmers offers multiple discounts such as a Senior Driver discount for people over 55 as well as discounts for teachers, nurses and other healthcare workers.

Before canceling your insurance, you must surrender your license plate to avoid penalties. In some cases, military members stationed out of state may be exempt from maintaining continuous car insurance even if they are Florida residents. Do non-residents need car insurance in Florida? According to Florida’s DMV, if your circumstance is named above, you must obtain the registration certificate and license plate within 10 days of employment or school enrollment. What happens if you don’t have auto insurance in Florida? Uninsured drivers in Florida may have their driver's license and registration suspended and be required to pay a reinstatement fee of up to $500. As per Florida’s DMV, failure to maintain the required car insurance coverage even during the registration period may culminate in your driver's license and license plate being suspended for up to three years. What types of auto insurance does Florida accept? Florida law requires drivers to carry a minimum of $10,000 in bodily injury liability and property damage coverage. C ontent　was generated  wi​th t he ᠎he lp of GSA C ontent  Generator Demoversion.