Insurance Companies In Miami Florida - To help you find the best cheap auto insurance in Florida, our editorial team compared quotes from the best auto insurance companies in every zip code in the state. We've ranked the best Florida companies based on customer service, complaints, affordability and financial stability.
To find the best affordable companies, I've averaged quotes to get the minimum amount that meets Florida's state requirements of $10,000 in personal injury protection (PIP) and $10,000 in property damage coverage. Full policy quotes include collision, comprehensive coverage and credit limits higher than the state minimum.
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Geico has the cheapest auto insurance in Florida. Auto insurance from Geico costs $28 per month, which is 69% less than the average price in Florida.
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The average cost of auto insurance in Florida is $91 per month, or $1,089 per year with less credit.
Florida drivers can also get cheaper quotes through State Farm, which are 58% cheaper than the average rate in Florida at $38 per month.
State Farm has the cheapest auto insurance in Florida at $127 per month. This is 47% cheaper than the national average.
Geico also has the cheapest comprehensive coverage at $140 per month, which is 41% cheaper than the average, but $13 more per month than State Farm.
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The average cost of auto insurance in Florida is $238 per month, or $2,860 per year.
Liability policies meet Florida's minimum insurance requirements of $10,000 for personal injury coverage and $10,000 for property damage per accident.
A comprehensive coverage policy includes bodily injury liability, which pays for injuries to the other driver, and collision and comprehensive coverage, which covers repairs to your vehicle from a collision and storm or other accident.
Comprehensive car insurance is a good idea to protect new cars or vehicles from road accidents for loan or lease.
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State Farm and Geico are the cheapest auto insurance companies in Florida. Auto insurance costs in Florida are more expensive for drivers who have been involved in an accident or have a traffic violation or DUI ticket.
State Farm has the cheapest car insurance for people who get speeding tickets. At $136 per month for full coverage, State Farm rates are 52% cheaper than the state average for ticketed drivers.
Geico also has cheaper rates for fast ticket drivers, but Geico's $84 per month rates are more expensive than State Farm's.
State Farm and Geico are the cheapest auto insurance for at-fault drivers in Florida, with monthly rates under $200.
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Car insurance for single-accident drivers from State Farm costs $147 per month, which is 57% cheaper than the average. Geico rates are 47% cheaper than the average at $184 per month.
A single accident on your driving record can increase your premiums by $106 per month – a 44% increase.
Geico has the cheapest car insurance for DUI drivers in Florida at an average of $229 per month. Farmers is the cheapest company, with an average price of $259 per month.
Geico and State Farm offer the best affordable coverage for Florida drivers with bad credit. Both companies offer car insurance rates that are 30% cheaper than average.
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Florida allows insurance companies to use your credit history when determining your car insurance rates. In Florida, drivers with bad credit pay 65% more for car insurance than those with good credit.
Geico has the cheapest comprehensive premium for senior drivers at an average of $117 per month for a 65-year-old driver in Florida. State Farm is also an affordable company, with average monthly rates of $131 for the highest auto insurance in Florida.
As you age, you may see your car insurance rates go up because insurance companies are finding that older drivers are more likely to have accidents. Florida seniors can save 10% to 20% on each discount if you have a mature driver discount, defensive driver discount or low mileage discount.
Geico is the cheapest auto insurance company for 18 year old drivers. In Florida, Geico rates are 69% cheaper than average for young people looking for minimum coverage insurance and 52% cheaper for comprehensive auto insurance. State Farm also offers cheaper coverage, with 52% less than the minimum credit rating and 47% less for full coverage.
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Car insurance costs for new drivers are more expensive than for older drivers. The average cost of comprehensive coverage for these drivers is $672 per month—almost three times the average cost of a 30-year-old driver. However, teenagers can find cheap car insurance in Florida by comparing rates from many companies.
Geico has the cheapest car insurance for young drivers with a speeding ticket. A Geico policy costs $74 per month – 67% cheaper than the average.
Geico is the cheapest auto insurance company for at-risk young drivers, with a minimum deductible of $65 per month. That's 75% cheaper than average.
At-fault accidents increase auto insurance costs in Florida by 17%, an even greater burden for young drivers whose quotes are expensive.
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State Farm has the cheapest comprehensive auto insurance for married drivers in Florida at $127 per month.
It is common for married drivers to get cheaper auto insurance than single drivers. Car insurance for married drivers in Florida is 4% cheaper than single driver rates. However, this discount is not the same for all companies. For example, Progressive rates dropped $55 a month for married drivers, while State Farm remained the same.
State Farm is the best auto insurance company in Florida based on its low rates and reputation for reliable customer service.
Geico is another great company for Florida drivers - it offers easy online information when purchasing a policy, and some of the cheapest rates in the state.
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Customer service is an important part of choosing the best auto insurance company for you. Good service can often make a stressful and difficult time after an accident easier.
Santa Rosa Beach is the cheapest city in Florida for auto insurance, starting at $177 per month for a full coverage policy. Westview, outside of Miami, is the most expensive city at $335 per month.
The average cost of auto insurance in Florida is $238 per month for a comprehensive coverage policy. Location, and other factors about you and your vehicle, can change quotes.
Florida's required auto insurance limits, according to the Florida Department of Insurance and federal automobile regulations, include personal injury protection (PIP) of $10,000 per accident and the same amount for property damage.
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Bodily liability and uninsured motorist coverage are standard and offered in your policy, but you can opt out in writing. The minimum you can get is either $10,000 per person or $20,000 per accident.
Even if the minimum coverage meets Florida auto insurance requirements, it may not be the right policy for you. Most drivers should purchase higher limits of coverage if possible.
If you have an expensive accident, the minimum coverage is usually not enough to cover the damage, and you may have to pay out of pocket.
This applies whether you're a University of Central Florida student on a budget, a new driver starting in Tallahassee, or a retired senior in South Florida.
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Florida is a no-fault state, which means insurance companies must pay regardless of who caused the damage. Florida auto malpractice law helps ensure drivers receive adequate medical care and some level of financial protection.
Although Florida requires innocent drivers to carry personal injury insurance, at-fault drivers can be held liable for serious injury or death. That's why personal injury liability (BIL) coverage can help protect you from costly lawsuits.
If you cause an accident that injures another person, or you were driving under the influence, you may need to purchase additional coverage and higher coverage limits under Florida's Financial Liability Act, also known as SR-22 or FR. . -44 insurance.
For accidents involving various degrees of injury or death, drivers will be required to provide an SR-22 insurance policy, often referred to as a Certificate of Financial Responsibility. In addition to Florida's no-fault requirements, SR-22 insurance requires:
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Florida residents charged with driving under the influence of alcohol or drugs must meet FR-44 insurance standards. FR-44 coverage requirements are much higher than minimum fault-free coverage or SR-22 certifications.
The average cost of auto insurance in Florida is $91 per month for minimum coverage, or $238 per month for full coverage. Teens pay an average of $205 per month for the cheapest auto insurance in Florida.
Geico has the cheapest car insurance in Florida for low credit at $28 per month. State Farm offers the lowest rates for a full coverage policy at $127 per month.
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