Cheap Car Insurance – Florida (June 2022) – NerdWallet

You ’ ll need cable car policy to confidently navigate Florida ’ south highways, particularly considering that an calculate 1 in every 5 drivers doesn ’ metric ton have car policy, according to 2019 data from the Insurance Research Council. But finding brassy car indemnity in the Sunshine State international relations and security network ’ triiodothyronine always slowly. The average cost of full coverage in Florida is the second highest in the nation, according to NerdWallet ’ mho analysis. Read on to see the cheapest car insurance in Florida by age and driving history, plus the state-mandated minimal requirements. If you ’ rhenium looking for the best car coverage, check out our list of the best cable car policy in Florida. Why you can trust NerdWallet : Our writers and editors follow nonindulgent editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every venue in the country where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change entirely one variable at a time, so you can easily see how each component affects pricing.

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Cheapest car policy company overall in Florida
state of matter farm $ 164/month

5.0 NerdWallet ‘s ratings are determined by our editorial team. The scoring formulas take into bill multiple datum points for each fiscal intersection and service . NerdWallet rating

Cheapest for minimal coverage
Geico $ 60/month

4.5 NerdWallet ‘s ratings are determined by our editorial team. The scoring formulas take into account multiple datum points for each fiscal product and service . NerdWallet rat

Cheapest for young drivers
state of matter grow $ 289/month

5.0 NerdWallet ‘s ratings are determined by our column team. The scoring formulas take into account multiple data points for each fiscal product and serve . NerdWallet fink

Cheapest for drivers with poor people recognition
state grow $ 164/month

5.0 NerdWallet ‘s ratings are determined by our column team. The scoring formulas take into history multiple data points for each fiscal product and serve . NerdWallet rat

If you ’ re looking for the cheapest car insurance in your city, NerdWallet analyzed rates for some of the largest Florida cities, including :

How much is car insurance in Florida?

The average cost of entire coverage cable car insurance in Florida is $ 2,780 per year, or about $ 232 per calendar month, according to NerdWallet ’ sulfur analysis. minimal coverage in Florida is $ 1,084 per class on average, but we found you can probably get a cheaper policy. For example, Geico offers the cheapest rates in Florida at $ 717 per class, on average, for minimal coverage car insurance for a 35-year-old driver with a clean drive record.

How we chose the cheapest companies in Florida

NerdWallet ’ s editorial team analyzed car indemnity rates from six car insurers in Florida and found the five cheapest options for drivers in respective age brackets and with different histories, all driving a 2019 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimal requirements in Florida. For entire coverage, we used the below coverage limits :

  • $ 100,000 bodily injury liability per person .
  • $ 300,000 bodily injury liability per accident .
  • $ 50,000 property wrong liability per accident .
  • $ 100,000 uninsured motorist coverage per person .
  • $ 300,000 uninsured motorist coverage per accident .
  • Collision coverage with a $ 1,000 deductible .
  • comprehensive coverage with a $ 1,000 deductible .

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a batch of quotes to find the best cheap car policy. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. still, some companies routinely have better indemnity rates for young drivers, so it ‘s best to shop around to find them.

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

Drivers in Florida with clean drive records may want to consider the follow companies, which had the lowest average rates :

  1. state grow : $ 3,471 per year, or about $ 289 per month .
  2. Geico : $ 3,927 per year, or about $ 327 per month .
  3. Allstate : $ 4,205 per year, or about $ 350 per calendar month .
  4. MetLife : $ 5,416 per class, or about $ 451 per month .
  5. send Auto : $ 5,998 per year, or about $ 500 per calendar month .

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

Drivers in Florida who want merely the express minimum coverage may want to check with these companies, which had the lowest average rates :

  1. Geico : $ 1,274 per year, or about $ 106 per month .
  2. Allstate : $ 1,338 per year, or about $ 112 per calendar month .
  3. state farm : $ 1,490 per class, or about $ 124 per month .
  4. direct Auto : $ 2,233 per class, or about $ 186 per month .
  5. MetLife : $ 2,354 per year, or about $ 196 per calendar month .

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

Drivers with poor citation in Florida should look at the following insurers with the lowest average rates for minimal coverage :

  1. direct Auto : $ 2,280 per year, or about $ 190 per month .
  2. Allstate : $ 2,391 per year, or about $ 199 per calendar month .
  3. Geico : $ 2,482 per class, or about $ 207 per month .
  4. state grow : $ 3,251 per year, or about $ 271 per calendar month .
  5. progressive : $ 4,005 per year, or about $ 334 per calendar month .

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

For drivers with a recent accident in Florida, here are the companies with the lowest average rates for minimum coverage :

  1. Geico : $ 1,435 per year, or about $ 120 per month .
  2. state of matter farm : $ 2,215 per class, or about $ 185 per month .
  3. Allstate : $ 2,224 per class, or about $ 185 per calendar month .
  4. direct Auto : $ 2,690 per year, or about $ 224 per calendar month .
  5. MetLife : $ 3,306 per class, or about $ 276 per month .

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

The cheapest car policy we found after a DUI is shown here, alongside the insurers ‘ average rates for minimum coverage .

  1. Geico : $ 1,661 per year, or about $ 138 per month .
  2. Allstate : $ 1,752 per year, or about $ 146 per month .
  3. lineal Auto : $ 2,455 per class, or about $ 205 per month .
  4. state grow : $ 2,694 per year, or about $ 224 per calendar month .
  5. progressive : $ 3,117 per year, or about $ 260 per calendar month .

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Cheapest for 30-year-old drivers

By the clock they reach their 30s, most drivers will enjoy cheaper cable car indemnity rates than in their teens and 20s. still, factors like a person ’ randomness drive record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping about and taking advantage of any cable car insurance discounts.

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

Drivers in Florida with clean drive records may get the lowest rates from these companies :

  1. state of matter farm : $ 1,993 per year, or about $ 166 per calendar month .
  2. Geico : $ 2,206 per year, or about $ 184 per calendar month .
  3. Allstate : $ 2,680 per class, or about $ 223 per month .
  4. MetLife : $ 2,957 per year, or about $ 246 per calendar month .
  5. progressive : $ 3,436 per year, or about $ 286 per calendar month .

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

Drivers in Florida who want their state ‘s minimum coverage can check with the following companies, which had the lowest average rates :

  1. Geico : $ 766 per class, or about $ 64 per month .
  2. state farm : $ 800 per year, or about $ 67 per month .
  3. Allstate : $ 951 per class, or about $ 79 per calendar month .
  4. MetLife : $ 1,207 per year, or about $ 101 per month .
  5. direct Auto : $ 1,338 per year, or about $ 112 per month .

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

Drivers with poor people accredit in Florida should consider the following companies with the lowest average rates for full moon coverage :

  1. submit farm : $ 3,499 per class, or about $ 292 per month .
  2. send Auto : $ 3,939 per year, or about $ 328 per month .
  3. Geico : $ 3,945 per class, or about $ 329 per month .
  4. Allstate : $ 4,942 per year, or about $ 412 per calendar month .
  5. progressive : $ 5,590 per year, or about $ 466 per month .

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

For drivers in Florida with a late accident, here are the lowest average rate options for broad coverage :

  1. state farm : $ 2,603 per year, or about $ 217 per calendar month .
  2. Geico : $ 2,814 per year, or about $ 234 per calendar month .
  3. Allstate : $ 4,084 per year, or about $ 340 per calendar month .
  4. MetLife : $ 4,571 per year, or about $ 381 per calendar month .
  5. direct Auto : $ 5,041 per year, or about $ 420 per month .

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

For the cheapest car insurance after a DUI, we found the following options for full coverage .

  1. Geico : $ 2,943 per year, or about $ 245 per month .
  2. state of matter farm : $ 2,990 per year, or about $ 249 per calendar month .
  3. Allstate : $ 3,418 per year, or about $ 285 per calendar month .
  4. progressive : $ 4,074 per class, or about $ 340 per calendar month .
  5. direct Auto : $ 4,099 per year, or about $ 342 per month .

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better indemnity rates than their younger counterparts on average, but placid pay more than older old age groups. Shopping around for bum car insurance quotes with multiple insurers is the best way to find lower rates. thoroughly drivers who don ’ triiodothyronine get behind the wheel much might want to consider pay-per-mile policy, which charges drivers by how many miles they drive.

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

Drivers in Florida with clean drive records may want to think about the pursuit companies, which had the lowest average rates :

  1. submit farm : $ 1,956 per year, or about $ 163 per month .
  2. Geico : $ 2,017 per class, or about $ 168 per calendar month .
  3. Allstate : $ 2,677 per class, or about $ 223 per calendar month .
  4. MetLife : $ 2,738 per class, or about $ 228 per month .
  5. progressive : $ 3,378 per year, or about $ 282 per month.

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

Drivers in Florida who want merely the minimum coverage may want to check prices from these companies, which had the lowest average rates :

  1. Geico : $ 704 per class, or about $ 59 per calendar month .
  2. state farm : $ 784 per class, or about $ 65 per calendar month .
  3. Allstate : $ 949 per year, or about $ 79 per calendar month .
  4. MetLife : $ 1,129 per class, or about $ 94 per month .
  5. target Auto : $ 1,231 per class, or about $ 103 per calendar month .

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

Drivers with poor people credit in Florida can check out the following insurers with the lowest average rates for full coverage :

  1. department of state farm : $ 3,433 per year, or about $ 286 per month .
  2. calculate Auto : $ 3,533 per year, or about $ 294 per month .
  3. Geico : $ 3,559 per year, or about $ 297 per month .
  4. Allstate : $ 4,938 per year, or about $ 412 per calendar month .
  5. MetLife : $ 5,327 per year, or about $ 444 per calendar month .

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

For drivers with a recent accident be in Florida, here are the companies with the lowest average rates for full coverage :

  1. department of state farm : $ 2,553 per class, or about $ 213 per month .
  2. Geico : $ 2,636 per year, or about $ 220 per calendar month .
  3. Allstate : $ 4,082 per year, or about $ 340 per month .
  4. MetLife : $ 4,273 per year, or about $ 356 per calendar month .
  5. direct Auto : $ 4,498 per class, or about $ 375 per month .

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

The cheapest full coverage car insurance we found for drivers with a DUI came from the following companies .

  1. Geico : $ 2,749 per year, or about $ 229 per calendar month .
  2. state grow : $ 2,932 per class, or about $ 244 per month .
  3. Allstate : $ 3,416 per year, or about $ 285 per calendar month .
  4. target Auto : $ 3,659 per year, or about $ 305 per month .
  5. progressive : $ 3,982 per year, or about $ 332 per calendar month .

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper cable car indemnity rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more force feel. Rates can even vary depending on early factors such as a driver ’ s gender and location, so it ’ s smart to shop around to find the best rate. Our list of cheap car insurance companies is a good place to start.

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

Drivers in Florida with clean and jerk drive records may want to get quotes from these insurers, which had the lowest average rates :

  1. submit farm : $ 1,901 per year, or about $ 158 per month .
  2. Geico : $ 1,957 per class, or about $ 163 per calendar month .
  3. MetLife : $ 2,537 per year, or about $ 211 per calendar month .
  4. Allstate : $ 2,571 per year, or about $ 214 per month .
  5. progressive : $ 3,098 per year, or about $ 258 per calendar month .

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

Drivers in Florida who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates :

  1. Geico : $ 674 per year, or about $ 56 per calendar month .
  2. submit farm : $ 757 per year, or about $ 63 per calendar month .
  3. Allstate : $ 906 per class, or about $ 76 per month .
  4. MetLife : $ 1,039 per class, or about $ 87 per month .
  5. direct Auto : $ 1,167 per year, or about $ 97 per month .

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

Drivers with poor citation in Florida can check with the following companies, which showed the lowest average rates for wax coverage :

  1. submit farm : $ 3,327 per class, or about $ 277 per month .
  2. calculate Auto : $ 3,413 per year, or about $ 284 per calendar month .
  3. Geico : $ 3,446 per year, or about $ 287 per calendar month .
  4. Allstate : $ 4,751 per year, or about $ 396 per calendar month .
  5. MetLife : $ 4,953 per class, or about $ 413 per month .

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

For drivers living in Florida with a late accident, here are the insurers with the lowest average entire coverage rates :

  1. country farm : $ 2,478 per class, or about $ 206 per month .
  2. Geico : $ 2,555 per year, or about $ 213 per calendar month .
  3. Allstate : $ 3,914 per year, or about $ 326 per calendar month .
  4. MetLife : $ 4,015 per year, or about $ 335 per calendar month .
  5. direct Auto : $ 4,396 per year, or about $ 366 per calendar month .

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

The cheapest car policy we found for drivers with a late DUI comes from the following companies, listed with rates for wax coverage .

  1. Geico : $ 2,661 per year, or about $ 222 per calendar month .
  2. state farm : $ 2,844 per year, or about $ 237 per calendar month .
  3. Allstate : $ 3,278 per year, or about $ 273 per month .
  4. directly Auto : $ 3,540 per year, or about $ 295 per month .
  5. liberal : $ 3,653 per year, or about $ 304 per month .

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Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car indemnity rates than many early senesce groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this long time group should besides take advantage of any available discounts for senior citizens.

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

Drivers in Florida with uninfected drive records may want to think about getting quotes from these companies, which had the lowest average rates :

  1. state farm : $ 1,833 per year, or about $ 153 per month .
  2. Geico : $ 1,873 per year, or about $ 156 per calendar month .
  3. Allstate : $ 2,471 per year, or about $ 206 per calendar month .
  4. MetLife : $ 2,552 per year, or about $ 213 per calendar month .
  5. progressive : $ 2,984 per year, or about $ 249 per month .

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

Drivers in Florida who want precisely the country minimum coverage may want to check with these insurers, which had the lowest median rates :

  1. Geico : $ 640 per year, or about $ 53 per calendar month .
  2. state of matter farm : $ 729 per year, or about $ 61 per calendar month .
  3. Allstate : $ 865 per class, or about $ 72 per month .
  4. MetLife : $ 1,036 per class, or about $ 86 per calendar month .
  5. target Auto : $ 1,138 per year, or about $ 95 per month .

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

Drivers with poor people recognition in Florida can look at the following companies with the lowest average rates for full coverage :

  1. state farm : $ 3,191 per year, or about $ 266 per month .
  2. Geico : $ 3,298 per year, or about $ 275 per calendar month .
  3. direct Auto : $ 3,358 per year, or about $ 280 per calendar month .
  4. Allstate : $ 4,544 per year, or about $ 379 per month .
  5. liberal : $ 4,827 per year, or about $ 402 per month .

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

For drivers with a late accident populate in Florida, here are the companies with the lowest modal rates for fully coverage :

  1. state grow : $ 2,383 per class, or about $ 199 per calendar month .
  2. Geico : $ 2,454 per year, or about $ 204 per month .
  3. Allstate : $ 3,765 per year, or about $ 314 per month .
  4. MetLife : $ 4,018 per year, or about $ 335 per calendar month .
  5. direct Auto : $ 4,325 per year, or about $ 360 per calendar month .

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

The cheapest car indemnity we found after a DUI came from the following companies, shown with their average rates for full coverage .

  1. Geico : $ 2,549 per year, or about $ 212 per calendar month .
  2. state farm : $ 2,731 per year, or about $ 228 per month .
  3. Allstate : $ 3,159 per year, or about $ 263 per calendar month .
  4. direct Auto : $ 3,483 per year, or about $ 290 per month .
  5. progressive : $ 3,530 per class, or about $ 294 per month .

Minimum car insurance requirements in Florida

Floridians must carry place price indebtedness and personal injury protection ( PIP ) in the succeed amounts :

  • $ 10,000 property damage liability per accident .
  • $ 10,000 personal injury protective covering .

In case you ’ re at fault in a barge in, the Florida Financial Responsibility Law besides requires you to be able to pay up to :

  • $ 10,000 in bodily injury indebtedness per person .
  • $ 20,000 in bodily injury liability per accident .

indebtedness car indemnity covers the cost of any damage, injuries or deaths you cause in a car accident, up to your policy ’ s predefined limits. personal wound protection will cover your checkup bills and expenses if you ’ re injured in a car crash, up to your policy limits, no matter whose demerit it was. Depending on your submit, PIP may besides pay for :

  • Lost wages if you ’ re unable to work due to injuries from an accident .
  • Services you can no longer perform, like family clean or child worry, because of your injuries .
  • funeral costs if an accident-related injury leads to death .
  • A small death benefit as a cash payout .

Experts recommend buying more than the plain minimum when it comes to all parts of your car liability insurance. You might want add protection from optional coverages such as collision, comprehensive and uninsured motorist insurance. Check out NerdWallet ’ s template to car insurance requirements by submit for more details on coverage you might want on your Florida car policy.

SR-22, FR-44 and alternative auto insurance in Florida

Drivers convicted of certain offenses may be required to get an SR-22 filed by their policy company with the state of Florida. There ’ mho no such matter as “ SR-22 insurance ” ; alternatively, an SR-22 is a form certifying you have current car insurance coverage in submission with Florida police. An SR-22 might be required if you :

  • Got in an accident without indemnity .
  • Had your license suspended due to excessively many points or another cause .
  • Have severe and recent traffic violations on record .

And if you get caught driving while intoxicated or under the influence of drugs in Florida, another form, an FR-44, may be required rather. Again, “ FR-44 insurance ” international relations and security network ’ t actually a type of insurance. Rather, an car insurance company must file an FR-44 security on behalf of person convicted of a DUI or like offenses. Compared with an SR-22, an FR-44 comes with extra liability indemnity requirements. rather of the relatively first gear liability limits listed above, you ’ five hundred need at least :

  • $ 100,000 for injury to or death of one person .
  • $ 300,000 for injury to or death of two or more people .
  • $ 50,000 for property damage liability .

Sunshine State drivers who ’ ve been denied car indemnity because of a patched driving history or other factors can apply for coverage through the Florida Automobile Joint Underwriting Association. For more help finding brassy car policy in Florida, try NerdWallet ’ s car insurance comparison joyride.

No-fault insurance in Florida

Florida is one of several states that has a no-fault car indemnity system, but it ’ randomness one of only two that doesn ’ thymine require any bodily injury liability coverage. In most states, drivers who are injured in a car accident caused by person else will seek reimbursement from the at-fault motorist ’ randomness insurance party. The claim and payout come from that person ’ s bodily wound indebtedness coverage. Under Florida ’ s no-fault legislative act, all parties involved in a crash first base make injury claims to their own PIP coverage and payouts are capped at 80 % of the bills. ( More on that below ). If injuries from the accident are considered “ serious ” under Florida law, the at-fault driver ’ s bodily injury indebtedness pays for extra costs. serious injuries include at least one of the follow :

  • significant defacement .
  • Bone fault .
  • permanent limitation of a body harmonium or member .
  • significant limitation of a soundbox officiate or system .
  • well full moon disability for 90 days .

Injuries that meet this definition are grounds for a lawsuit in Florida. Drivers with bodily wound coverage can use it to pay for legal fees ampere well as the hurt person ’ s medical costs, but anyone with only the minimum want coverage — that is, no bodily injury coverage — would have to pay out-of-pocket if they were at defect. To complicate things further, drivers can besides be partially at fault for a crash. Florida has a “ relative fault ” legislative act, meaning that two drivers can share responsibility for an incidental. In a lawsuit, a jury could assign 30 % of the duty to the injure driver, who would then be entitled to merely 70 % of the sum damages from the other driver. indemnity companies don ’ t just absorb those costs. As in many states that require personal injury security coverage, drivers in Florida tend to pay more for car indemnity, on average, compared with those in non-PIP states.

How PIP works in Florida

Drivers in Florida are required to carry at least $ 10,000 of PIP, which is besides called Florida no-fault insurance. In accession to medical bills, no-fault insurance in Florida can besides pay :

PIP fraud can be common in no-fault states, including Florida, where staged accidents and unscrupulous aesculapian providers can drive up the cost of indemnity, specifically PIP. Because of this, a no-fault indemnity law was enacted in 2015. It requires people injured in a crash to see a checkup professional within 14 days of the incident to make a PIP claim. It besides limits payouts to 80 % of “ fair ” medical expenses as outlined in the codified. eminence that PIP will besides cover your passengers ’ injuries, but it doesn ’ t cover damage to your car. You go through the at-fault driver ’ second insurance for vehicle repairs or through your own collision coverage if you were responsible .

source : https://shayski.com
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