Enter your Zip Code and get a
FREE QUOTE TODAY!

When it comes to cheap insurance, Florida got the short end of the stick!

Every year, thousands of people go online to find cheap car insurance quotes Florida drivers can use. Florida is famous for sand, sun, and surf, but did you know it also has some of the highest car insurance Florida premiums?

It’s true!

Year after year, Florida ranks at or near the top of all states for annual cost of insurance. Minimum car insurance can be well over $1,000 annually. That’s why you should look for cheap insurance Florida drivers can count on!

Why is Car Insurance So Expensive in The Sunshine State?

Florida-cheap-car-insurance

Some things insurers look at when setting car insurance rates include:

Sadly, Florida faces headwinds in many areas. Uninsured motorists are a problem: Some studies have suggested Florida has the highest rate of uninsured motorists in the nation. This means, all in all, insurance companies absorb more costs for each covered incident.

Older drivers, students, and “snowbirds” – the New England tourists many Floridians love to loathe – all affect insurance. Insurance costs also go up for drivers over the age of 65. Although Florida doesn’t have the highest percentage of retirement aged residents, many counties have populations 30% or more over 65.

Car Insurance Works Differently in This “No-Fault” State

Another reason why cheap insurance Florida motorists can use is in short supply?

Car insurance Florida works a little bit differently than in most states.

The majority of states operate under “at-fault” laws. This means the driver who is found responsible for an auto accident pays for liabilities arising from it. That person’s insurance covers the cost of medical care and vehicle damage others incurred during the event.

In a “no-fault” state, responsibility for an accident has no affect on the way most insurance benefits are paid. No matter who caused the accident, each driver’s insurance company pays his or her related costs. This gives insurers license to play hardball with Florida drivers for a few reasons:

  • Insurers are on the hook for every accident a policyholder is in, so they charge more to cover costs
  • Insurers and policyholders deal with more uninsured motorists, driving up the cost of accidents
 

Because of this, Florida drivers generally must hold Personal Injury Protection (PIP) coverage in addition to other required coverage. PIP provides basic coverage for minor injuries.

Can You Reduce the Cost of Your Auto Insurance in Florida?

The best way to control costs is to start with best insurance Florida drivers love.

But even when you go the extra mile to find an affordable insurance policy, you can still face challenges as a Florida driver. General car insurance quotes Florida motorists can count on are hard to come by, which is one reason Cheap Insurance makes the whole process easier for you.

Looking for ways to lower your insurance premium in Florida?

It’s important to understand the factors insurers use to set rates and how you can influence them:

1. Keep Your Rates Low by Avoiding Accidents

The best thing you can do to keep your rates low is avoid accidents. While insurance rates can increase ever

y year, they are much more likely to remain steady if you have no accidents on your record. The longer you avoid having to use your insurance, the better the discounts an insurer might offer.

2. Look at Insurance Rates in Adjoining Zip Codes

If moving is not an issue, consider looking at insurance rates in nearby neighborhoods. Insurers may provide lower rates in one zip code versus another based on lower crime, fewer accidents, and even better weather. For Florida, inland areas protected from hurricanes may have better deals than coastal ones.

3. Keep Your Car Maintained

In the market for a new car? A reliable vehicle with good safety features may win you some brownie points with your insurer. Have an older vehicle? Make sure it gets an annual maintenance check so it remains safe and road-worthy: Insurers may reward you with a percentage off your premium.

4. Raise Your Credit Score

Insurers use credit scores as one way of figuring out if you’re likely to take risks behind the wheel. Raising your credit score is a long-term project, but you can get it done a little bit at a time. Pay off high interest credit cards to save more money and expand your credit availability, which affects your score.

Ready to choose a policy? Cheap Insurance is here to help on your quest for insurance you can be happy with. Use our site to find the best car insurance in Florida locals like you can love. For information or help, contact us.

Who has the cheapest car insurance in Florida?

Year after year, cheap car insurance Florida drivers can use are hard to come by unless you go online. Cheap insurance in Florida is tough to find because of the state’s harsh storm season, many uninsured or under insured motorists, and large elder population that most insurers regard as risky.

Car insurance costs tend to be lower for drivers in their 30s, 40s, and early 50s. Female drivers in Florida usually pay slightly less than male drivers. Your insurer might offer you discount car insurance in Florida if you have a spotless driving record and get your car maintained regularly.

Which county in Florida has the least expensive auto insurance?

On the hunt for cheap insurance, Florida drivers are often stunned to learn their state is one of the priciest. Cheap car insurance quotes Florida drivers want may be harder to find depending on where they live.

Counties like Miami-Dade and Broward have some of the highest rates due to traffic congestion and sometimes dangerous highways. Some stretches of Florida’s roads are notorious for fatal accidents.

Although affluent counties tend to have lower auto insurance rates nationwide, this is not always the case in Florida. Inland counties like Highlands and Hardee may offer cheap car insurance compared to metro areas.

Why is Florida car insurance so expensive?

Florida car insurance is some of the most expensive in the United States – often the most expensive. The cheap insurance Florida drivers want may be out of reach depending on their driving record or even where they live.

The car insurance in Florida is very expensive for several reasons. The state has a high population and many older drivers, who insurers consider risky. Plus, experts estimate that millions of Florida adults choose to drive without insurance.

Uncovering cheap car insurance quotes Florida locals can use is easier to do when you go online. This lets you compare quotes from many companies faster.

Who has the best car insurance rates in Florida?

The Sunshine State may have some of the best winter weather in the country, but when it comes to best car insurance quotes, Florida ranks dead last. Although figures vary from year to year, Florida often has the most expensive car insurance. Getting cheap insurance in Florida can be a challenge.

Since there are so many brands claiming to offer the best and affordable car insurance in Florida, the easiest way to get cheap auto insurance in Florida is to compare Florida auto insurance quotes online. This gets you the best insurance available right now. It also saves you time searching.

What's the minimum car insurance you need in Florida?

Florida car insurance requirements are available from the state Department of Motor Vehicles. Before you can register a vehicle with at least four wheels, you need to hold at least $10,000 in Personal Injury Protection along with $10,000 in Property Damage Liability Coverage.

Vehicle used as taxis require a higher level of coverage to be deemed road-safe.

To find cheap insurance Florida drivers should be diligent. Floridians must hold insurance the entire time they have a registered vehicle in Florida. By seeking cheap car insurance quotes Florida drivers may save thousands compared to the average policy in this expensive state.

 

We Have Your Town Covered!