Cheap Car Insurance Quotes In Florida

Cheap Car Insurance Quotes In Florida

A Comprehensive Guide to Cheap Car Insurance in Florida:

Are you looking for affordable car insurance in Florida? Maybe you have been a resident of the Sunshine State for a while and are simply looking for a better or more affordable auto policy. Every driver in Florida needs auto insurance coverage. Millions of policyholders trust their insurance provider based on many factors like premiums, customer satisfaction and more to provide exceptional car insurance, from liability protection to comprehensive coverage.

If you are buying a new car, comparing car insurance quotes, or looking to switch auto insurance providers, this article has the information you need to make an informed decision.  In Florida, everyone must have car insurance, as per the Florida Department of Highway Safety and Motor Vehicles (DHSMV). If you get stopped by the police, you could get a fine if you don’t have proof of valid Florida car insurance. Always carry your insurance ID card with you when you are driving.

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Which Company Provides Cheap Insurance Quotes In Florida

Looking for the most affordable car insurance in Florida doesn’t have to be hard. This site has checked rates from big insurance companies in the state to find the best choices for cheap auto insurance:

Geico:

Among the companies evaluated, Geico emerged as the leader, offering the cheapest overall car insurance in Florida, especially for good drivers, with the most competitive average rates across various categories, including those for drivers with a history of accidents or speeding tickets; however, individuals with poor credit might find more affordable options with other insurance providers.

Bristol West:

Bristol West, a subsidiary of Farmers Insurance, stands out in our evaluation of Florida auto insurance rates that are notably lower, especially for drivers grappling with a DUI conviction or poor credit. The company consistently provides rates below the state average, making it an attractive option for those seeking affordability.

Individuals with a DUI on their records may find Bristol West particularly appealing, as the company offers significantly lower rates for this demographic. However, for drivers with recent accidents or those caught driving without insurance, exploring alternative options may lead to more cost-effective Florida car insurance rates.

Mercury Car Insurance:

Mercury Car Insurance stands out as a provider of generally low-cost options for a diverse range of drivers in Florida. In our analysis, Mercury claimed the second spot for offering the most affordable rates to good drivers.

Additionally, the company proves to be competitively priced for drivers with a speeding ticket or a DUI on their records. However, for those who have been involved in an accident or have poor credit, Mercury’s auto insurance rates are only considered so-so, prompting individuals in these categories to explore alternative options for potentially more favourable rates in Florida.

What Is The Required Car Insurance For Florida Drivers

Drivers must ensure they possess the auto insurance coverages mandated by the state of Florida to legally operate a motor vehicle. The required coverage types and their corresponding minimums are as follows:

• Bodily Injury Coverage: $10,000 per person and $20,000 per accident
• Property Damage Coverage: $10,000 per accident
• Uninsured Motorist Coverage: $10,000 per person and $20,000 per accident
• Personal Injury Protection: $10,000

While these represent the minimum Florida car insurance coverage requirements, it is advisable to select the coverage that suits your specific needs. If you require assistance in determining the appropriate coverage for your situation, our Coverage Calculator can be a helpful tool.

Are There Discounts For Drivers In Florida By Insurance Companies

Motorists in the Sunshine State are in search of car insurance that not only offers outstanding service but also comes with attractive value. Insurance providers have a spectrum of Florida car insurance discounts to cater to your needs. Available discounts on auto premiums in the state of Florida encompass the:

• New Vehicle Discount,
• Defensive Driving Discount,
• Good Student Discount,
• Military Discount, and
• Multi-Policy Discount.

These discounts aim to provide a comprehensive and cost-effective approach to ensure drivers receive quality coverage with added financial benefits.

Cheapest Car Insurance in Florida

Research reveals that State Farm offers the most affordable average annual car insurance rates in Florida, coming in at $1,652 per year (or $138 per month), which is $901 less than the statewide average of $2,553 per year.

State Farm not only has the lowest rates statewide but also provides the most budget-friendly options in various driver categories, including those with a speeding ticket, a single accident on their record, and even a DUI. For drivers with a DUI, State Farm’s sample rate is $1,772, approximately half the average annual rate in this category at $3,617.

State Farm holds the No. 3 position in our ranking of the best car insurance companies, evaluating the nation’s largest insurers based on various criteria, including insights from a survey of over 9,500 consumers.

Pros:

• The national survey indicates that 59% of State Farm customers are likely to renew after a claim, and 52% are inclined to recommend the company to others.

Cons:

• While you can start the quote process online, it’s necessary to finalize State Farm policies over the phone with an agent.

Cheap Car Insurance Quotes For Adults In Florida

For married 35-year-olds in Florida, the average car insurance rates stand at $2,552 for females and $2,454 for males. Geico emerges as the most cost-effective option for adults, boasting the lowest rates at an average of $1,820 for females and $1,634 for males.

Geico secures the No. 4 position in the assessment of the Best Car Insurance Companies. It’s important to note that this rating of large insurers is not an exhaustive list and doesn’t encompass every company discussed in this Florida-specific article. The evaluation is based on various criteria, incorporating feedback from a survey of more than 9,500 consumers.

Pros:

• Geico’s rates in Florida consistently undercut the statewide average across all driver categories we examined.

Cons:

• According to our national survey, only 42% of claim filers expressed a high likelihood of recommending Geico.

Cheap Car Insurance Quotes For Teen Drivers In Florida

• Young drivers, especially 17-year-olds, usually face high car insurance rates. In Florida, on average, girls pay around $8,048 per year, while boys pay $9,147. Geico provides the most affordable option for teen drivers, with yearly rates at $3,805 for girls and $4,078 for boys.

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What Is The Required Minimum Personal Injury Protection (PIP) Insurance in Florida

In Florida, the state mandates minimal coverage amounts and operates under a no-fault auto insurance system. Should you experience injury in a car accident, your initial recourse is to file a claim with your personal injury protection insurance, a requirement in the state.

Florida stipulates the following insurance requirements:

• $10,000 in personal injury protection (PIP)
• $10,000 in property damage liability coverage

Basic PIP insurance in Florida encompasses:

• 80% coverage for essential medical expenses, such as ambulance costs, doctor bills, X-rays, nursing, surgery, dental work, and prosthetic devices. Notably, Florida PIP also extends coverage to massage and acupuncture bills post-accident.
• 60% compensation for lost wages if the injuries prevent you from working.
  Replacement services for household tasks that become challenging due to the accident.
  $5,000 in death benefits.

When selecting PIP coverage, you have deductible options, including none, $250, $500, or $1,000. The deductible represents the amount subtracted from a PIP claim check and the choice of a higher deductible results in lower PIP costs.

Understanding car insurance in Florida means knowing the state’s rules and choices. Florida requires lower coverage and has a no-fault system, but drivers can customize their coverage by picking deductibles for Personal Injury Protection. It’s important to look for affordable options, and many insurance companies have good rates and discounts, making it possible for drivers to get the coverage they need without spending too much money. Visit the official website of your preferred insurance for more details

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