Youll need car insurance to confidently navigate Floridas highways, especially considering that an estimated 1 in every 5 drivers doesnt have auto insurance, according to 2019 data from the Insurance Research Council. Skip to before map. AIG: $3,777 per year, or about $315 per month. Factors like prior accident history, traffic violations and poor credit scores influence how much the policyholder will pay for insurance coverage. Esta pgina no est disponible en espaol. $3,716 per year, or about $310 per month. Geico: $2,737 per year, or about $228 per month. Geico, Progressive and State Farm are some of the largest auto insurance companies in Florida. State Farm The Hartford was a runner-up in J.D. Mercury: $1,031 per year, or about $86 per month. The vehicles are insured with State Farm. Travelers: $502 per year, or about $42 per month. Drivers with poor credit in Florida can check out the following insurers with the lowest average rates for full coverage: United Auto: $3,183 per year, or about $265 per month. Sign up and well send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money. 1. Drivers who have earned a Bachelor's degree with or without a qualifying scholastic record may be considered as well. We have an advertising relationship with some of the offers included on this page. Geico: $485 per year, or about $40 per month. It's that simple. Still, factors like a persons driving record and car make and model can increase prices. Disclaimer: NerdWallet strives to keep its information accurate and up to date. He is based in Nashville, Tennessee. Check out NerdWallets guide to car insurance requirements by state for more details on coverage you might want on your Florida auto policy. Ultimately, your best option will depend on your needs and circumstances. State Farm: $365 per year, or about $30 per month. Note that PIP will also cover your passengers injuries, but it doesnt cover damage to your car. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. Travelers: $2,362 per year, or about $197 per month. Cheapest auto insurance in Florida for 50-year-old drivers after a DUI. $1,367 per year, or about $114 per month. Coverage options are selected by the customer, and availability and eligibility may vary. How much does car insurance cost in Florida per month? On the other hand, paying for car insurance in full at renewal time can often result in a discount. We may collect personal information from you for business, marketing, and commercial purposes. Florida drivers may purchase additional coverage options, such as comprehensive and collision insurance, increase their liability limits and add personal injury protection or other endorsements for extra protection. $3,581 per year, or about $298 per month. Typically, youll pay more for three years. State Farm also has the cheapest For California residents, click here to view the full version of the California Consumer Privacy Notice. DDD expires on the first renewal date following three years from the course completion date unless State Farm receives evidence of recertification. Direct Auto: $3,778 per year, or about $315 per month. That's 59% higher than the national average. Substantially full disability for 90 days. For more information, check out our articles below: Personal injury protection (PIP) insurance in Florida, explained, Ben Moore is an assistant assigning editor and spokesperson who joined NerdWallet as a writer in 2020. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in Florida where coverage is offered and data is available. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them. To be eligible, the driver must be a full time student in high school or at a college or university who maintained one of the following in the immediately preceding school semester: Drivers who have earned an Associate's degree or equivalent and have a qualifying scholastic record meeting one of the above requirements may be considered. Geico: $460 per year, or about $38 per month. An SR-22 might be required if you: And if you get caught driving while intoxicated or under the influence of drugs in Florida, another form, an FR-44, may be required instead. WebIs your current car insurance coverage right for you? Nationwide: $1,472 per year, or about $123 per month. Once your car (or the one it replaced) has been with State Farm Mutual Automobile Insurance Company for at least three continuous years without a chargeable accident during this period, you will receive a discount. The crash rate for teen drivers is four times higher than that of drivers 20 and older, according to the Insurance Institute for Highway Safety. Compare Rates Now By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. We don't offer online quotes for boats, off-road vehicles, businesses, or motorcycles yet, but you can always contact your State Farm agent for an off-line quote. Minimum coverage amounts are subject to change. Geico: $2,127 per year, or about $177 per month. Just choose the product you're looking for and get an insurance rate quote from State Farm. Getting the cheapest car insurance in FL may sound great, but that cheap rate can come at a cost when you need it most. However, this does not influence our evaluations. Rather, an auto insurer must file an FR-44 certificate on behalf of someone convicted of a DUI or similar offenses. WebGet a quote Insurance products for all your needs We can help you get the coverage and savings you need with products from USAA, USAA Insurance Agency, USAA Alliance Services, USAA Life Insurance Company and USAA Life Insurance Company of New York, and NOBLR Reciprocal Exchange. Travelers: $754 per year, or about $63 per month. $1,748 per year, or about $146 per month. Initial discount may vary by state and is replaced with a final discount upon completion of a review period. One of the most significant factors is traffic congestion. In Florida, drivers must abide by the minimum liability limits of 10/20/10 to legally drive on the road. Geico: $637 per year, or about $53 per month. Your actual quoted rate may vary greatly and may be subject to adjustment based on verification of your self-reported data. The scoring formula takes into account consumer complaint and customer satisfaction data. All financial products, shopping products and services are presented without warranty. $2,168 per year, or about $181 per month. Did your rates go up? $3,049 per year, or about $254 per month. Here are the top 10 auto insurance companies in Florida, by market share. $4,360 per year, or about $363 per month. Also, look for insurers that offer discounts for seniors. In most states, drivers who are injured in a car accident caused by someone else will seek reimbursement from the at-fault motorists insurance company. Whether you live in the Panhandle or the Keys, Liberty Mutual Insurance has you covered. If youre looking for the cheapest car insurance in your city, NerdWallet analyzed rates for some of the largest Florida cities, including: NerdWallets editorial team analyzed car insurance rates from 12 auto insurers in Florida and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2020 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in Florida. This auto insurance discount is available to customers who agree to share certain driving information and meet eligibility requirements. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Ben Moore is an assistant assigning editor and spokesperson who joined NerdWallet as a writer in 2020. State Farm can help you insure almost anything. In addition to medical bills, no-fault insurance in Florida can also pay: Lost wages if crash-related injuries force you to miss work. Enter a ZIP code in the tool below to see the average premium for the location. The median California house is 1,860 square feet, 37th among the states vs. the 2,014 U.S. norm, says the American Home Size Index. $3,485 per year, or about $290 per month. We value your privacy. Liability pays for injuries/damage you cause others. $3,638 per year, or about $303 per month. Learn more about the top 10 most important factors that affect car insurance rates. $3,291 per year, or about $274 per month. Final thoughts on choosing car insurance in Florida, Guide to car insurance (with rates) in cities of Florida. Cheapest auto insurance in Florida for 20-year-old drivers with one speeding ticket. Direct Auto: $4,360 per year, or about $363 per month. Save up to 10% when you insure your property and auto with us. Areas with more traffic typically have higher rates of accidents and claims, which leads to higher premiums. Copyright 2023, State Farm Mutual Automobile Insurance Company, Bloomington, IL, Enter a policy number in the same format as it appears on your bill or ID card, >Enter a 10 digit Payment Plan or Account Number, Homeownership Discount Multiple Car Discount, Related We use this information for business, marketing and commercial purposes, including but not limited to, providing the products and services you request, processing your claims, protecting against fraud, maintaining security, confirming your identity and offering you other insurance and financial products. State Farm: $2,964 per year, or about $247 per month. MORE: The best car insurance in Florida. Nationwide: $614 per year, or about $51 per month. Mercury: $855 per year, or about $71 per month. Mercury: $1,748 per year, or about $146 per month. $2,493 per year, or about $208 per month. Still, some companies routinely have better insurance rates for. The owners of the vehicles reside in the same household, and A) are related by marriage, blood, or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies. This influences which products we write about and where and how the product appears on a page. Geico: $2,333 per year, or about $194 per month. Take a look at the discounts available in Florida. $3,278 per year, or about $273 per month. Homeowners. Carrier-specific figures reflect average savings for customers who switched to Liberty Mutual from the listed carriers. Make a quick, one-time insurance payment. WebState Farm Auto Insurance. Geico: $3,625 per year, or about $302 per month. $2,115 per year, or about $176 per month. Copyright 2023, State Farm Mutual Automobile Insurance Company, Bloomington, IL, Enter a policy number in the same format as it appears on your bill or ID card, >Enter a 10 digit Payment Plan or Account Number, Related To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. $300,000 uninsured motorist coverage per accident. Whether it's car, boat, home, ATV, or motorhome insurance, we've got you covered. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Assistant Assigning Editor | Auto insurance. With a full coverage insurance policy, drivers can be confident that theyre protected in the event of an accident up to the limits of their policies. Liberty Mutual is an Equal Opportunity Employer and an Equal Housing Insurer. The Defensive Driving Discount (DDD) will begin at the inception date (new policies) or is applied midterm as of the completion date of the course (existing policies). An auto insurance authority, his past work has been featured in The Associated Press, The Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. With the Personal Price Plan, youll do just that.1 Customize a coverage plan that protects whats important to you and your family. Average cost of car insurance in Florida for high-risk driver, Average cost of car insurance in Florida by city, Drivers switching car insurance as inflation continues in 2023. AIG: $3,333 per year, or about $278 per month. State Farm (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates) is not responsible for, and does not endorse or approve, either implicitly or explicitly, any third party products or the content of any third party sites referenced in this material. Mercury: $935 per year, or about $78 per month. As drivers age, their auto insurance premiums change with younger and teen drivers paying higher rates than experienced drivers. State Farm: $1,602 per year, or about $134 per month. Under Floridas no-fault statute, all parties involved in a crash first make injury claims to their own PIP coverage and payouts are capped at 80% of the bills. While many factors influence the cost of your car insurance, from driving record to the type of car, there are lots of options to get the coverage you need at a price that works for you. Cheapest full coverage car insurance in Florida for 70-year-olds. Travelers: $2,582 per year, or about $215 per month. Select your state and risk factor below to see the insurance company and its average annual full coverage rates. Drivers in Florida are required to have the following car insurance coverage: bodily injury, property damage, uninsured motorist, and personal injury protection. OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105. The average car insurance cost in Florida is $210 per month or $2,517 per year. Geico: $552 per year, or about $46 per month. How we chose the cheapest companies in Florida, Minimum car insurance requirements in Florida, SR-22, FR-44 and alternative auto insurance in Florida, Read on to see the cheapest car insurance in Florida by age and driving history, plus the state-mandated minimum requirements. Power. Geico: $4,158 per year, or about $346 per month. Customers will receive an initial discount of about 5% when they enroll. We used a 2020 Toyota Camry L for all drivers and assumed 12,000 annual miles driven. Geico: $1,588 per year, or about $132 per month. NerdWallet strives to keep its information accurate and up to date. $3,803 per year, or about $317 per month. Travelers: $1,191 per year, or about $99 per month. Geico: $431 per year, or about $36 per month. $3,337 per year, or about $278 per month. Doesn't offer gap or rideshare insurance. Want to know which car insurance company is the most affordable? Mercury: $719 per year, or about $60 per month. He is based in Nashville, Tennessee. $4,088 per year, or about $341 per month. *USAA auto insurance is available to active-duty military members, veterans and their families only. We'll help you customize your Florida car insurance to get the coverage that fits you. Florida drivers aged 30 to 60 garner the lowest average auto insurance costs across all ages at $2,484 a year. We believe everyone should be able to make financial decisions with confidence. $300,000 for injury to or death of two or more people. Shopping for auto insurance? $3,361 per year, or about $280 per month. $1,588 per year, or about $132 per month. AIG: $3,105 per year, or about $259 per month. We may collect personal information from you such as identifying information (name, address, driver's license number), transactional information (products or services purchased and payment history), digital network activity (interactions with our website, IP address), geo-location data, audio recordings and other forms of personal information. Mobile Home. We used the same assumptions for all other driver profiles, with the following exceptions: For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state. $3,105 per year, or about $259 per month. Power's 2022 auto study, scoring 860 out of 1,000. $5,067 per year, or about $422 per month. Assistant Assigning Editor | Auto insurance. Car insurance costs may start to rise for 70-year-old drivers. State Farm offers a condo policy for individual condominium unit owners. $3,721 per year, or about $310 per month. Combine your policies and get a discount. $1,746 per year, or about $146 per month. Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. Have no at-fault accidents or moving violations in the three year period prior to the time the discount is initially applied (. Drivers aged 16-19 pay $6,524 more for car insurance than Florida drivers aged 30-60 per year. When evaluating offers, please review the financial institutions Terms and Conditions. USAA has the cheapest rates in Florida, but for non-military families Geico and From liability protection to comprehensive coverage, we customize your Florida auto insurance, so you only pay for what you need. WebFlorida drivers paid an average of $1,458 a year for full coverage (liability, collision and comprehensive) in 2020, according to the most recent data available from the National However, this does not influence our evaluations. The median California house is 1,860 square feet, 37th among the states vs. the 2,014 U.S. norm, says the American Home Size Index. Convenience and savings need we say more? Minimum coverage in Florida is $1,006 per year on average, but we found you can likely get a cheaper policy. For our good driver profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. These are rates generated through Quadrant Information Services. Your actual quoted rate may vary greatly and may be subject to adjustment based on verification of your self-reported data. Direct Auto: $1,774 per year, or about $148 per month. Direct Auto: $3,716 per year, or about $310 per month. Our list of, Cheapest full coverage car insurance in Florida for 50-year-olds. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in Florida where coverage is offered and data is available. Travelers: $740 per year, or about $62 per month. As a result, people living in higher-risk neighborhoods of Florida have to pay more than those living where the risks are lower. When evaluating offers, please review the financial institutions Terms and Conditions. Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. WebJust choose the product you're looking for and get an insurance rate quote from State Farm . Ultimately, understanding your needs to find the best policy at the most competitive price is key. Need help with a claim? This information may be different than what you see when you visit a financial institution, service provider or specific products site. We offer online rate quotes for homeowners insurance in most states. With our easy-to-use tool, you can get insurance quotes for different coverage limits for your ZIP code in minutes. Cheapest minimum coverage car insurance in Florida for 40-year-olds, Cheapest auto insurance in Florida for 40-year-olds with poor credit. $3,916 per year, or about $326 per month. All financial products, shopping products and services are presented without warranty. He is based in Nashville, Tennessee. Travelers: $3,424 per year, or about $285 per month. Luckily, there are ways for high-risk drivers to reduce the amount they must pay for premiums. $3,429 per year, or about $286 per month. Auto insurance rates in Florida can differ based on the coverage limit. For assistance, reach out us via contact-us page. $2,867 per year, or about $239 per month. Drivers in this age group should also take advantage of any available discounts for senior citizens. Cheapest full coverage car insurance in Florida for 60-year-olds. Liberty Mutual customizes your Florida auto insurance, so you only pay for what you need. The best way to find cheap car insurance in Florida is to compare quotes from at least three insurers. Nationwide: $852 per year, or about $71 per month. Of course, your auto insurance cost will depend on many different factors including your age, where you live, and your driving history. Our ease of use category looks at factors such as website transparency and how easy it is to file a claim. Please check the spelling and try again. Compared with an SR-22, an FR-44 comes with additional liability insurance requirements. Here is a list of our partners and here's how we make money. We'll work with you to find the right car $1,672 per year, or about $139 per month. Geico: $3,304 per year, or about $275 per month. $3,094 per year, or about $258 per month. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. Cheapest auto insurance in Florida for 40-year-old drivers after a DUI. Here is how much your car insurance rate increases in Florida after driving incidents: But even with a traffic ticket, comparison shopping can save you money. For drivers in Florida with a recent accident, here are the lowest average rate options for full coverage: State Farm: $2,230 per year, or about $186 per month. $4,193 per year, or about $349 per month. United Auto: $3,910 per year, or about $326 per month. Drivers in Florida who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates: State Farm: $334 per year, or about $28 per month. For example, some insurers offer discounts to senior drivers who take a defensive driving course. Because of this, a no-fault insurance law was enacted in 2015. $1,602 per year, or about $134 per month. $2,308 per year, or about $192 per month. For drivers with a DUI, we added a single drunken driving violation that happened six months ago. Comprehensive and collision pay for damage to your car. $3,018 per year, or about $252 per month. Start or track your claim online, or with the State Farm mobile app. So how do we make money? The cost of hiring in-home care if you need help due to injuries. $3,869 per year, or about $322 per month. updated May 24, 2023 State Farm is a good insurance company with competitive rates and a solid reputation for customer service. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing. WebContact Palm Harbor State Farm Agent Pam Leonard-Williams at (727) 785-0413 for life, home, car insurance and more. CarInsurance.com commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2017 Honda Accord for nearly every ZIP code in the United States. Florida: $1,974: Also, safe driver and other discounts may have been applied to achieve the advertised rate, which may not be available to the average consumer. Theres no such thing as SR-22 insurance; instead, an SR-22 is a form certifying you have current auto insurance coverage in compliance with Florida law. Again, , isnt actually a type of insurance. Ben has been quoted in Martha Stewart and Real Simple magazine, and he has appeared on local broadcast television. Direct Auto: $3,651 per year, or about $304 per month. Customize a quote today. Editorial Integrity - Why you should trust us? The biggest houses are in Utah AIG: $1,596 per year, or about $133 per month. Nationwide: $4,534 per year, or about $378 per month. The average cost of car insurance in Florida is $300 per Travelers: $3,485 per year, or about $290 per month. Allstate Coming in third place with a score of 849 in J.D. $2,964 per year, or about $247 per month. State Farm RV Insurance protects recreational vehicles, motorhomes, truck or van campers and travel trailers against a variety of damages and losses. Travelers: $671 per year, or about $56 per month. Some policies include additional coverages at the insurers discretion. Travelers: $522 per year, or about $44 per month. Bloomington, IL. We value your privacy. State Farm is the cheapest insurer in Florida. WebGet a Quote or continue a quote Office Details: Street Address: 1410 Alt 19 Suite C Palm Harbor , FL 34683-4002 Get Directions Phone: 727-785-0413 Languages: English Spanish Afrikaans Skip to after map. $3,873 per year, or about $323 per month. Our ease of use category looks at factors such as website transparency and how easy it is to file a claim. $3,579 per year, or about $298 per month. Exploring life, health, or long-term care coverage? $2,538 per year, or about $212 per month. Car insurance rates have gone up over 17% in the past year, according to the U.S. Bureau of Labor Statistics. To learn more about auto insurance coverage in your state, find a State Farm agent. Advertiser disclosure Why Are Car Insurance Rates Going Up? The cheapest car insurance company in Florida is State Farm at $1,731 per year on average, or $144 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Florida. Geico offers the cheapest annual rates for full coverage car insurance in Florida at $1,554 per year. If injuries from the accident are considered serious under Florida law, the at-fault drivers bodily injury liability pays for additional costs. This auto insurance discount in Florida applies if the insured vehicle is equipped with a qualifying anti-theft device or vehicle recovery system. Nationwide: $2,758 per year, or about $230 per month. Its sample annual rate of $1,652 is $2,941 per year, or about $245 per month. Also, safe driver and other discounts may have been applied to achieve the advertised rate, which may not be available to the average consumer. Manage medical expenses for dogs and cats with competitive pet insurance rates for their owners, too. Mercury: $1,027 per year, or about $86 per month. Car insurance rates vary by city in Florida for a number of reasons. Geico: $2,941 per year, or about $245 per month. We offer online health insurance quotes in most states for our Medicare Supplement products. $3,986 per year, or about $332 per month. $3,786 per year, or about $316 per month. Drivers in this age group should also take advantage of any available discounts for senior citizens. Drivers convicted of certain offenses may be required to get an SR-22 filed by their insurance company with the state of Florida. The RightTrack discount applies only to the base coverages on the participating vehicle, which may include Bodily Injury, Property Damage, Comprehensive, Collision, Personal Injury Protection (PIP) or Medical Payments, Uninsured Motorist, and Underinsured Motorist (subject to state availability), and excludes fixed expenses (where applicable).