Cheapest Car Insurance in Florida 2022 – WalletHub | Cheap Car Insurance Florida, Cheap Auto Insurance in Florida, Cheap Car Insurance FL

Cheapest Car Insurance in Florida for Good Drivers


Geico : $ 25 per calendar month

liberty Mutual : $ 26 per month

Travelers : $ 53 per calendar month


countrywide : $ 54 per calendar month

state farm : $ 58 per calendar month

Geico has the cheapest car insurance for most good drivers in Florida. Drivers who have never had an accident or received a citation are considered good drivers by insurers and pay less for insurance than drivers with bad records. In addition to low rates, good drivers can often qualify for additional

Cheapest Car Insurance in Florida for Full Coverage 

Geico : $ 135 per month
state farm : $ 177 per month
Travelers : $ 213 per calendar month
liberty Mutual : $ 237 per month
countrywide : $ 255 per month

Full coverage refers to a policy that goes beyond the 
 

Cheapest Car Insurance in Florida After a Ticket 

liberty Mutual : $ 40 per calendar month
Geico : $ 44 per month
state farm : $ 64 per month
Travelers : $ 67 per month
nationally : $ 77 per month

After a
 

Cheapest Car Insurance in Florida For Drivers with One At-Fault Accident 

autonomy Mutual : $ 36 per calendar month
Geico : $ 36 per calendar month
state farm : $ 71 per month
Travelers : $ 71 per month
nationally : $ 84 per calendar month

One at-fault accident will usually affect your insurance negatively for 3-5 years as insurers will consider you
 

Cheapest Car Insurance in Florida for Drivers with Poor Credit 

liberty Mutual : $ 47 per month
Geico : $ 51 per calendar month

aim Auto : $ 73 per calendar month

countrywide : $ 90 per month

Farmers : $ 114 per calendar month

A low credit score often flags drivers as higher risk, so insurers will usually charge them more for coverage. However, since insurers use different formulas to calculate premiums, poor credit might affect your rates more with one company than another. Because each insurance company treats credit differently, it pays to compare quotes.
 

Cheapest Car Insurance in Florida for Young Drivers 

Geico : $ 51 per month
familiarity Mutual : $ 72 per month
Travelers : $ 94 per month
country farm : $ 120 per month
nationally : $ 117 per month

 

Cheapest Car Insurance in Florida for Older Drivers 

Geico : $ 23 per month
shore leave Mutual : $ 26 per month
Travelers : $ 47 per calendar month
countrywide : $ 50 per calendar month
state farm : $ 55 per calendar month

 

Learn More About the Cheapest Car Insurance Companies in Florida

 

Best Cities for Cheap Car Insurance in Florida 

City Premium Percent Increase
Gainesville $805 0.0%
Panama City $841 4.4%
Ocala $878 9.1%
Tallahassee $887 10.2%
Melbourne $948 17.8%
Pensacola $968 20.3%
Naples $985 22.4%
Sarasota $1,023 27.1%
Cape Coral $1,025 27.3%
Lakeland $1,028 27.7%
Fort Myers $1,028 27.7%
Port Saint Lucie $1,064 32.1%
Bradenton $1,080 34.1%
Jacksonville $1,082 34.4%
Spring Hill $1,142 41.8%
Kissimmee $1,155 43.4%
Orlando $1,174 45.8%
Clearwater $1,203 49.5%
Saint Petersburg $1,206 49.8%
Hollywood $1,421 76.5%
Pompano Beach $1,431 77.8%
Boca Raton $1,452 80.3%
West Palm Beach $1,472 82.8%
Lake Worth $1,484 84.3%
Fort Lauderdale $1,499 86.2%
Homestead $1,516 88.3%
Tampa $1,533 90.4%
Boynton Beach $1,537 90.9%
Miami $1,659 106.1%
Hialeah $1,884 134.0%

 

Factors That Affect Car Insurance Premiums in Florida

Geico has the cheapest car policy for most dependable drivers in Florida. Drivers who have never had an accident or received a citation are considered dependable drivers by insurers and pay less for insurance than drivers with bad records. In addition to low rates, thoroughly drivers can often qualify for extra discounts from their policy company.Full coverage refers to a policy that goes beyond the minimal submit requirements. Because full coverage protects you in more situations, it costs more than the minimum requirements.After a speed slate, most drivers will see their policy rates go up for 3-5 years. It ’ sulfur authoritative to keep in mind that each indemnity ship’s company calculates rates differently, so you should always get multiple quotes in order to make surely that you get the best deal.One at-fault accident will normally affect your indemnity negatively for 3-5 years as insurers will consider you bad. Because of your higher rates, it is even more significant to comparison shop.A low citation grade often flags drivers as higher hazard, so insurers will normally charge them more for coverage. however, since insurers use different formulas to calculate premiums, inadequate credit might affect your rates more with one company than another. Because each indemnity caller treats credit differently, it pays to compare quotes.Since young drivers have less experience behind the wheel, insurers tend to charge them higher rates than more fledged drivers. On average, most drivers will see their rates drop as they get older with a considerable decrease once they turn 25 years old.Although mature drivers pay less for car policy than teens, older drivers start to see their rates go up as they enter their aged years. Comparing car insurance rates can save older drivers hundreds of dollars a year. Geico is the cheapest car insurance caller overall in Florida, charging an average of $ 38 per calendar month for coverage. In addition to low rates, drivers can qualify for a variety of discounts based on their policy, good drive, and fomite guard. USAA costs the lapp as Geico on average, though it ’ s not available to all drivers. specifically, USAA only sells policies to the military residential district, which includes active servicemembers, veterans, and military families. Liberty Mutual is another great choice for Florida drivers, costing an average of $ 50 per month. As one of the largest insurers in the nation, Liberty Mutual offers a wide range of resources and policy options for customers, which is helpful for those looking to purchase more than one type of indemnity. Travelers can be a estimable option for drivers who want low-cost coverage, since policies cost an average of $ 76 per month. Though it ’ s not a bum as some competitors, it ’ mho still a good option to consider. State Farm charges a bit more for coverage than some of its competitors, with rates averaging $ 82 per calendar month. But it ’ mho however a great option for drivers looking for multiple types of indemnity and a compass of rebate options.The table above reflects the average annual cost of cable car indemnity in Florida ’ randomness largest cities and towns.

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Recap: Cheapest Auto Insurance Companies in Florida

 

The cheapest car insurance company in Florida is Geico, which charges an average of $ 38 per calendar month for state-minimum coverage. In addition to being the cheapest car insurance company for Floridans overall, it is the cheapest option for a total of particular categories, such as full coverage and indemnity for good drivers.

For your convenience, we ’ ve summarized the cheapest companies overall below.

Cheapest Car Insurance in Florida 

  • Geico: $38 per month
  • USAA: $38 per month
  • Liberty Mutual: $50 per month
  • Travelers: $76 per month
  • State Farm: $82 per month  

6 Tips for How to Get Cheap Car Insurance in Florida

 

1. Compare quotes from both national and regional insurers

Don’t forget to include local insurance companies in your search for cheap car insurance. In Florida, regional insurers might have lower rates than national companies and have comparable customer satisfaction ratings.

2. Know the factors affecting insurance in Florida

Everyone knows that your driving habits and

3. Choose the coverage that is right for you

You need

4. Live in less expensive zip codes

Car insurance prices can vary a lot based on zip code in Florida. On average, drivers in the

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5. Search for discounts

Top car insurance companies in Florida have a variety of discounts, so almost anyone can find ways to save. You may be able to get a
 

6. Maintain coverage

You’ll see higher rates if you let your insurance lapse, even Don ’ thymine forget to include local anesthetic insurance companies in your search for bum car policy. In Florida, regional insurers might have lower rates than national companies and have comparable customer satisfaction ratings.Everyone knows that your driving habits and claims history affect how much you pay for car insurance. But in Florida, companies consider your accredit history, marital condition, annual mileage, and even some factors beyond your dominance like historic period and gender to set your premiums.You need indebtedness indemnity to pay for the other driver ’ s damages if you ’ re at blame in an accident in Florida. Collision and comprehensive coverage, on the other hand, are optional and may be unnecessary if you own an older car. Usage-based insurance might be a better fit than a standard policy for low-mileage drivers, and going with a higher deductible or lower coverage limits costs less, excessively. Don ’ t skimp on the coverage you need, but do make informed choices. That way, you won ’ t end up paying for more car insurance than you need.Car policy prices can vary a set based on energy code in Florida. On median, drivers in the most expensive parts of Florida spend over $ 1,600 more per year on car insurance than those living in the least expensive areas.Top car insurance companies in Florida have a diverseness of discounts, indeed about anyone can find ways to save. You may be able to get a discount if you ’ re a student, veteran, good driver, homeowner, will to go paperless, and more.You ’ ll visit higher rates if you let your policy lapse, even if you don ’ metric ton own a cable car. Florida drivers who don ’ thymine maintain continuous coverage pay an average of 11 % more than those with five or more years of indemnity history .

Video: Cheap Auto Insurance in FL

 

Methodology for Selecting the Cheapest Auto Insurance in FL

 
WalletHub’s analysis of cheap car insurance companies in Florida is based on data from the Florida DMV and Quadrant Information Services. Together with that data, WalletHub used the characteristics listed below to create 40 different driver profiles designed to identify the cheapest car insurance companies for Florida drivers in a collection of key categories. For each profile, WalletHub compared quotes among top Florida car insurance companies by averaging premiums from 60 zip codes that represent at least 20% of Florida’s population. Military-specific companies like USAA were only considered for the military-specific category, due to their eligibility restrictions. In some cases, they may still be the best option overall for eligible drivers.

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In the table below, you can see all of the profile characteristics that were used in WalletHub’s analysis, in addition to the specific subset of characteristics that make up our Good Driver profile.

Category All Profile Characteristics Good Driver Profile
Gender Male, Female Male
Age 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 35, 45, 55, 65 45
Marital Status Single, Married Single
Teenage Driver Included on Policy No, Yes No
Driving Record Clean, One Speeding Ticket, One At-Fault Accident, One DUI, Suspended License, Open Container, Red Light Infraction, Reckless Driving, One Not At-Fault Accident Clean
Miles Driven Per Year 7,500 Miles, 15,000 Miles, 20,000 Miles 15,000 Miles
Coverage Level Minimum, Standard, Full Minimum
Discounts None, Multi-Policy, Homeowner, Student None
Credit Level Poor, Good Good
Filings None, SR22, FR44 None
Car Sedan, Minivan, SUV, Coupe, Truck Sedan
  • Minimum Coverage: Coverage requirements of $10,000 in property damage liability per person and $10,000 in personal injury protection, as required by Florida’s minimum coverage requirements.
  • Standard Coverage: Coverage levels of 50k/100k/25k of liability coverage,  50k/100k/25k of uninsured motorist coverage and $10,000 of personal injury protection.
  • Full Coverage: Coverage levels of 100k/300k/50k of liability coverage, 100k/300k/50k of uninsured motorist coverage, collision and comprehensive coverage with a $500 deductible and $10,000 of personal injury protection.
  • Sedan: 2018 Toyota Camry.
  • Minivan: 2018 Dodge Grand Caravan.
  • SUV: 2018 Toyota RAV4.
  • Coupe: 2018 Ford Mustang.
  • Truck: 2018 Ford F-150.

Where driver profiles are not specified, WalletHub averaged Florida insurance quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is representative only. Individual rates will be different.
WalletHub ’ s analysis of bum car policy companies in Florida is based on data from the Florida DMV and Quadrant Information Services. together with that data, WalletHub used the characteristics listed below to create 40 different driver profiles designed to identify the cheapest car indemnity companies for Florida drivers in a collection of key categories. For each profile, WalletHub compared quotes among exceed Florida car insurance companies by averaging premiums from 60 energy codes that represent at least 20 % of Florida ‘s population. Military-specific companies like USAA were merely considered for the military-specific category, due to their eligibility restrictions. In some cases, they may still be the best choice overall for eligible drivers.In the table below, you can see all of the profile characteristics that were used in WalletHub ’ south analysis, in addition to the specific subset of characteristics that make up our dear Driver profile.Below are extra details regarding the terminology and specific characteristics of the variables in the above board : Where driver profiles are not specified, WalletHub averaged Florida insurance quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is representative alone. individual rates will be different .

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