Florida Car Insurance: how much is Car Insurance in Florida?

Who has the cheapest Florida car insurance for drivers with speeding tickets? Based on our data, State Farm has the lowest rate for Florida drivers with a recent speeding violation. If you get a speeding ticket, chances are you’ll see an increase in what you pay for car insurance, upon your policy renewal. In Florida, a minor speeding ticket will hike your rate by an average of 27% to 31%. Typically, you’ll pay more for three years. But even with a traffic ticket, comparison shopping can save you money. For instance, you’ll see that the difference between the highest rate and the lowest in the table below is more than $2,000, on average, according to CarInsurance.com’s rate analysis. That’s how much you can save by comparing car insurance companies. Buying the state-required amount to drive legally, or the state minimum, is the cheapest way to go. But if you opt for the cheapest car insurance in Florida, you are only covered for damage you do to other drivers’ cars and for others’ injuries - and only up to the limits you chose.

Your age, your driving record, the model of car you have, the severity and frequency of claims in your neighborhood and other variables are used by insurance companies to figure out the cost of your policy. That’s why the price for the same coverage can vary significantly among insurance companies - and why you should compare rates. For example, Miami ZIP code 33125 is among the most expensive ZIP codes for full coverage insurance in the state. But you can still save on coverage by comparing rates. The highest monthly rate ($370) among six carriers is $244 more than the lowest ($126). So over a year, that adds up to nearly $2,928 you could save. If you want to compare car insurance quotes, use our tool above. You should comparison shop upon renewal, but also if you move, add a vehicle or teen driver to your policy, get married or divorced, or have a significant change in your credit score.

That means your insurer won’t pay for damage to your car or for your injuries if you cause an accident. It does cost more to buy more protection, but as you’ll see in the chart below, additional coverage is typically affordable. Increasing your insurance from the state minimum to full coverage with $500 deductible costs, on average, $1,334, or more, or about $110 a month. To boost just your liability limits, the extra cost is just $272 a year, so only about $22 monthly. Scores are based on Insure.com’s “Best Insurance Companies” customer review survey of 3,700 customers. Policyholders ranked insurers on claims handling, customer service, value, mobile apps/website usefulness and were asked if they would renew their coverage and if they would recommend the company. Who are the best car insurance companies in Florida? The most effective way to find affordable car insurance in Florida is to compare car insurance quotes from multiple carriers. ​Con tent h as ᠎been c᠎reat᠎ed wi th G SA Content G enerat​or Demover sion!

Be aware that damage to your car is not covered under PIP. For that, you would have the at-fault driver’s property damage liability coverage pay for it. Or, if you bought optional collision coverage, that would cover damage to your own vehicle. You certainly can drive with just the minimum coverage mandated by the state. But we strongly recommend that you also purchase bodily injury liability coverage. This pays, up to your policy limits, for injuries others receive in an accident caused by you or other drivers listed on your policy. While not required by the state, many car insurance companies require it as part of any policy they issue in Florida. Here’s why: Florida is a no-fault state. Treatment for any injuries you suffer is covered by your personal injury protection, up to its limit. This is regardless of who caused the accident. If bills exceed that limit, the at-fault driver is legally personally responsible unless he or she has bought bodily injury liability coverage.

You will also see the highest and lowest rates from up to six major carriers surveyed. You can get a more customized rate by choosing from among six age groups and three coverage levels. This way you can tell if your quotes are too high and if you should keep shopping for a lower rate. What's the Cheapest Car Insurance in Florida? Who has the cheapest car insurance in Florida? USAA and Geico have the cheapest car insurance in Florida among carriers surveyed in our experts’ data analysis of rates for nearly all ZIP codes in the state. We compare rates from all the top insurance providers so you can find the best deal. Whether you’re looking for liability only or full coverage, we can help. Who is cheapest for drivers with bad credit in Florida? State Farm is the cheapest car insurance in FL for drivers with bad credit, among those surveyed by our experts.