Here we provide Florida auto insurance requirements, our recommendations for the coverage you should buy, and insurance laws that are specific to Florida. Also, you can see average car insurance rates for nearly every ZIP code in Florida to help inform you as you shop for auto insurance in the Sunshine State. Car insurance companies use different formulas and weigh risks differently for each driver. This means rates can vary significantly by insurer, which is why you should compare rates. It covers you, your passengers and other authorized drivers of your car who are injured while in your insured vehicle.
Check our car insurance reviews to find the cheap car insurance Florida drivers want. Find the best cheap Florida car insurance here. Visit our site to learn about Florida minimum auto insurance coverage requirements & get your. The best car insurance companies in Florida with the highest ratings are: AAA.
With over days of sunshine per year, St. Petersburg, Florida, is a haven of sunny retreats. Perhaps just as important as its beaches is the city's distinction of being the birthplace of commercial aviation and Major League Baseball spring training. The Orlando Magic andother residents also call this city home.
Best car insurance in florida
The sixth largest city in Florida, Hialeah is located just nine miles northwest of Miami. Named for the pretty prairie the city was founded on, Hialeah is known for Hialeah Park, a grand thoroughbred horse race track.
With access to over 23 miles of sandy oceanfront coastline and a sunny and warm tropical climate, Fort Lauderdale is a great beach town. The city of Pembroke Pines is bordered by the Florida Everglades to the west and is situated for easy access to I and the Florida Turnpike. Home to the University of Florida, the Florida Gators and a resident population of , Gainesville is the 17th largest urban area in Florida.
The best car insurance companies in Florida with the highest ratings are: As we mentioned above, Florida Farm Bureau Insurance ranked as the cheapest auto insurance company in Florida, so it's great to see that they are also one of the top-rated auto insurers in the state. GEICO, State Farm and Progressive—three of the largest auto insurers in Florida—perform better than average as well, with relatively low complaint index numbers. At the other end were Windhaven, Ocean Harbor and First Acceptance, which received the most complaints relative to their market share size.
To find the best auto insurance companies in Florida, we looked at which companies received the fewest complaints at the Florida Office of Insurance Regulations. We consolidated individual underwriters into their parent group. Next, we weighted the companies' share of complaints by their share of premiums, and lastly looked at the thirty largest insurance groups in Florida to make it relevant to the majority of drivers.
Get Florida car insurance quotes from multiple carriers to make sure you're getting the lowest rate possible on the coverage that's right for you. Following extensive research our methodology has identified the best car insurance in Florida for Here are the results. Compare the best cheap car insurance in Florida. Get the best deal on auto coverage in your area and find out how much you could save.
This table breaks down the costs for the 75 cities in Florida that we included in our study, with at least one city in each of the 67 counties. Note that these costs are just samples and will not necessarily represent what your actual auto insurance rates will be. Car insurance quotes are tailored to your background and circumstances, so it's best to enter your ZIP code below for a list of cheap companies to begin your comparison shopping. We have included the minimum insurance coverage you are required to have on your car per the Florida Office of Insurance Regulation.
Best Car Insurance Rates in Florida (2019)
Bodily injury and uninsured motorist coverage come standard and recommended with your policy by insurers, but they are rejectable. Florida's minimum required car insurance coverage limits are as follows:.How to Save Money on Your Car Insurance (Progressive vs Geico vs USAA)
Though you may meet the state's minimum requirement, we recommend that you consider opting in for a higher level of coverage. If you are in a particularly expensive accident, your minimum coverage may not be enough to fully cover the damages and you may have to pay out-of-pocket.
This applies whether you're a college student at the University of Central Florida, a new family starting out in Tallahassee or you are a retiree in the Sunshine State. After a 9.
There have only been a 2. Cumulatively, car insurance rates across these insurers have have increased Hikes in auto insurance rates are usually preceded by increased losses—which happen when insurers pay out for claims—incurred by insurance companies. Losses can increase for a variety of reasons, such as mass vehicle damage from a hurricane or more distracted driving accidents. We averaged Florida auto insurance rates for three sample policyholders across 26 insurers in 67 counties.
Premiums are averaged at the parent company level, since drivers can't choose which affiliate underwrites their insurance. Our sample policies included bodily injury and property damage liability coverage.
Below, we have summarized the three driver profiles we used to gather quotes:. Family Profile: This policy was for a year-old couple with two children, ages 20 and 18, who have had good driving records for the previous three years. They drive a Toyota Camry and a Toyota Corolla for a combined 20, miles per year.
Senior Couple: Our sample policy covered a year-old and year-old senior married couple who drive a Toyota Camry and have had no traffic violations or at fault accidents in the last three years. Geico and Liberty Mutual round out the cheapest three.
Find the best auto insurance in Florida: Compare car insurance companies to get the cheapest insurance quotes and coverage.
Geico and Liberty Mutual round out the cheapest three insurers for low-mileage drivers. State Farm and Liberty Mutual round out the cheapest three.
USAA was by far the cheapest option for every category above, except drivers with poor credit. The insurer also has had historically top-rated customer service.
The combination of Florida's no-fault laws, subtropical weather, and high percentage of elderly drivers make it the fourth most expensive state. While Florida might have the lowest car insurance minimums in the nation, less coverage means greater financial risk. Because the Sunshine. Find the best car insurance in Florida. Read about Florida insurance requirements & compare rates from leading car insurance companies.
Floridians must carry property damage liability and personal injury protection PIP in the following amounts:. Experts recommend buying more than the bare minimum when it comes to all parts of your auto liability insurance. You might want added protection from optional coverages such as collision, comprehensive and uninsured motorist insurance.
But under no-fault insurance, all parties involved in a crash first make injury claims to their own insurers, no matter who caused the incident. If you cause serious injuries, you can still be sued.
The Best Florida Auto Insurance Companies
PIP coverage in no-fault states. We used a Toyota Camry in all cases.
These are rates generated through Quadrant Information Services. Your own rates will be different.