A Comprehensive Guide On Making The Most Of Car Insurance In Florida

Talking about cheap car insurance florida, a study carried out in the car insurance industry shows that once in every 17.9 years, every car owner would file a claim for one type of collision or the other, especially the average drivers. This means that if you got your driver's license at the age of 16-18, it would not be abnormal if you experience any kind of car crash by the time you get to the age of 34-36, at most. Therefore, if you have driven for several years and you are yet to be involved in a car accident, then you should consider yourself lucky.

Do You Have An Insurance Coverage?

This is a question every Florida car owner should ask himself or herself. For those who have been driving for a long time, it is estimated that they would have experienced not less than four car crash incidents in their driving lifetime. Although most of these crashes are very minor, some of them can be very fatal.

According to report from the National Safety Council, approximately 10 million car accidents occur yearly, ranging from minor scraps to multi-car pileups, with approximately 3 out of every 1,000 accidents being fatal. You don't have to allow yourself to be caught off-guard and as such, it is time for you to engage in auto insurance comparison in order to get yourself and your car insured with the right insurance firm.

Why Florida Auto Insurance Is Expensive

Why Florida Auto Insurance Is Expensive

If have already taken your time to compare insurance quotes, you must have noticed that Florida auto insurance is very expensive, in comparison to other states. Presently, Florida is rated among the states of the nation with the highest insurance rates, at an average of $2,260 annually as against the national average of $1,669 annually. There are several reasons for this high rate of insurance. First among them is the 'no-fault' clause. Yes, in Florida, when residents are involved in any type of car crash, they are required to foot their own bills as far as the expenses of such accident are concerned.

This is why it is important that every car owner purchases a cheap car insurance florida in order to cover expenses accruing from personal and property injury. Before you do this, you should ensure find out if your existing health insurance already covers every accident-related medical expenses. This way, you will avoid paying double for the same coverage.

The second reason why insurance is very expensive in Florida has to do with natural disasters. It is no longer news that Florida often experiences one type of natural disaster or the other, including tropical storms and hurricanes. When this happens, car owners are always left to grapple with the after-effects which include high winds, flooding, mud slides, and other challenges that come with such catastrophes. It is especially worse in those cities which are located within or close to the coast as the landscape is mostly flat.

Florida Auto Insurance Requirements

Considering that Florida is a no-fault state and you will not be able to sue another driver for claims but rely on your own auto insurance, except under certain given conditions, the state minimum auto insurance liability is on the low side when compared to suggested minimums. For example, Florida minimum liability for Personal Injury Protection (PIP) is $10,000 per person and $20,000 per accident. The minimum for proper damage liability is $10,000.

Experts however, recommend that car owners maintain a minimum of not less than $50,000 in PIP. The idea is that when your coverage is on the low side, it might be impossible for you to cover the full expenses incurred as a result of the accident, and it is even worse if the condition is such that the other driver involved in the accident is allowed to sue you for additional damages. So, when you go for auto insurance comparison, look for quotes that will help to ensure you get the most coverage based on your immediate budget.

When Affordable Auto Insurance Is A Priority

Often times, most car owners' priority is finding affordable insurance coverage for them and their cars. If you are one of them, be rest assured that there are multiple Florida-based insurance coverage providers at your service. With them, you will be able to access a variety of affordable insurance plans that are designed not just to suit your needs, but also meet the state's minimum insurance coverage laws.

Some of these insurance firms include but not limited to State Farm, GEICO, Progressive, USAA, Allstate, and others. They have been confirmed to be capable of addressing every car owner's concerns as far as it has to do with affordable coverage. You might not know it but most times, when you are on the look-out for cheap car insurance florida, you might end up making trade-offs, especially if you fail to take the quality of the firm's services into consideration.

You should always ensure you transact with a reputable insurance coverage provider, especially if you wish to file your claims with ease, experience awesome customer service, and at the same time, be reimbursed at the right time. While the firms listed here would make good starting points for your search, it would also be better if you increase the scope of your search by getting quotes from a variety of other insurance companies. After all, what you need is affordable coverage that would meet your auto insurance needs, all-year-round.

Choosing the Best Car Insurance in Florida

Whenever you go shopping for the best insurance coverage in Florida, it is recommended that you always start out by requesting coverage quotes from the top insurance companies. Even though there is no tailor-made coverage for everyone, there are chances that by the time you are done with your cheap auto insurance comparison, you might just find that coverage provider you would not want to lose as long as you remain a car owner.

In order not to make mistake in choosing the best auto insurance provider in Florida, you should always watch out for those firms that are known to be the best-reviewed in the state. In all, what you should look out in a potential insurer include but not limited to the following:

  • Fair premiums
  • Great customer service
  • Extensive coverage
  • Great track record
  • Easy claims process
  • Reasonable discounts

Comparison Of Top 5 Insurance Firms In Florida

Here is a breakdown of the average you should expect to pay when you insure with any of these top 5 insurance firms. They are as follows:

USAA = $938

Progressive = $1,668

State Farm = $1,737

GEICO = $3,212

Allstate = $3,382

Comparison Of Top 5 Insurance Firms In Florida


From the above evaluation, it is obvious that USAA (only available to people and families who are currently serving or served in the US military) offers the lowest yearly rates in Florida among the five insurance companies while Allstate offers the most expensive rate among the five. However, you can maximize your chances of getting good rates when you engage in effective insurance rates shopping.

Florida Cities With The Highest and Cheapest Auto Insurance Rates

It is only natural that when you get yourself a new car, you would want to know what parts of the state that offers affordable rates and the parts that offer coverage at higher rates. On this note, you should note that location and size goes a long way to determine coverage rates in Florida and other states. On the southeast coast, the cities with the highest auto insurance rates include Miami and Hialeah. As a matter of fact, these two cities are the most expensive when it comes to auto insurance.

Tampa is also a city that is rated among the top most expensive cities for auto insurance coverage. However, you should take note that even within the same area, rates can vary. For example, while one city offers coverage at exorbitant rates, the city that is right next to it might offer its own coverage at very affordable rates. Therefore, if you are looking for cheap car insurance florida, your safest bet is to request quotes from various firms, targeting those periods when the market condition favors car owners. If yours is a bubbling city, then you should not be surprised if the coverage rate is very high while towns with smaller populations will enjoy much lower premiums.

Insurance Rates In Florida Cities
Jacksonville, FL$1,752
Miami, FL$2,662
Tampa, FL$2,407
Saint Petersburg, FL$2,074
Hialeah, FL$3,032
Orlando, FL$1,931
Fort Lauderdale, FL$2,263
Tallahassee, FL$1,555
Hollywood, FL$2,336
Pembroke Pines, FL$2,224
Coral Springs, FL$2,314
Clearwater, FL$2,077
Cape Coral, FL$1,842
Gainesville, FL$1,463
West Palm Beach, FL$2,360
Pompano Beach, FL$2,318
Boca Raton, FL$2,341

auto insurance comparison of cities in florida

Boca Raton, FL

auto insurance comparison for boca raton, FL Florida

This is a city of approximately 90,000 residents, located on the southeast coast of Florida. Right from the 1920s, Boca Raton has been a bubbling city. This is especially as it houses several big hotels and resorts which invariably turned the city into a destination point for vacationers. The rate here is $2,341 but there may be variations based on company, driver profile, and your claims history.

Cape Coral, FL

auto insurance comparison for cape coral, FL Florida

This is a city of approximately 165,000 residents and is located in the southwest coast of the state. Before the construction boom of the 90s, Cape Coral was known for being a retirement community. The average insurance rate here is $1,842, very much lower that the state's average rate of $2,260. This rate is also subject to variation based on your age, driver profile, and other factors.

Clearwater, FL

auto insurance comparison for clearwater, FL Florida

If you are ready to carry out auto insurance comparison in Florida, Clearwater might just be a good place to start. With a population of over 108,000 residents, Clearwater is located on the west coast of Florida. It became famous after it served as the major port for soldiers headed for the Pacific and Europe during World War II. The average coverage rate here is $2,077.

Coral Springs, FL

auto insurance comparison for coral springs, FL Florida

This city is located on the southeast coast of the state, close to Fort Lauderdale, with a population of more than 126,000 residents. It is famously known for its low crime rate, family-friendly environment, and efficiency of its local government. Its coverage average is $2,314, slightly above the state's average. However, if you take your time to shop around for quotes from various coverage providers, you might just find reasonable discount.

Fort Lauderdale, FL

auto insurance comparison for fort lauderdale, FL Florida

With approximately 172,000 residents, this vibrant city is located on the southeast of Florida and is a destination hub for club-goers. The coverage rate in this ever-bubbling city is $2,263, which is in line with the state's average rate.

Gainesville, FL

auto insurance comparison for gainesville, FL Florida

The population of this city is approximately 127,000 and it is located in Florida's north central. University of Florida is located in Gainesville and as a result of the city's inland location, it rarely experiences natural disasters like other cities of Florida. Little wonder why the insurance rate is as low as $1,463, a huge difference from the state's average.

Hialeah, FL

auto insurance comparison for hialeah, FL Florida

Located in southern Florida, Hialeah has a population of about 233,000 residents. This is where you will experience Latin culture at its peak. The insurance rate here is very high at $3,032 annually. This makes it the most expensive large city for auto insurance. You can increase your chances of landing significant discounts if you take your time to shop around for quotes.

Hollywood, FL

auto insurance comparison for hollywood, FL Florida

With a population of approximately 146,000 residents, this southeastern city of Florida is known to be synonymous with movie-making. If you are a sunbather, then it is the destination spot you have been dreaming of. The average coverage rate here is $2,336.

Jacksonville, FL

auto insurance comparison for jacksonville, FL Florida

Located in northern part of the state, Jacksonville has a population of more than 842,000 residents. Not only is it the largest city in Florida, it is the largest city in United States, measured by land area. It is also one of the busiest hubs for the country's shipping industry. The coverage rate here is $1,752, making it one of the cheapest large cities for those looking for cheap car insurance florida.

Miami, FL

auto insurance comparison for miami, FL Florida

Located in the southeastern part of the state, Miami has a population that exceeds 417,000 residents. It is very famous for its beachside culture and in terms of auto insurance, the average is $2,662. This leaves it on the list of expensive cities for auto insurance in Florida.

Orlando, FL

auto insurance comparison for orlando, FL Florida

This city of approximately 255,000 residents, located in central Florida, is famous for being the home of Walt Disney World Resort and the headquarters of Nickelodeon, a TV channel. Even at the city being a tourist attraction, the auto insurance rate is on the lower side at $1,931.

Pembroke Pines, FL

auto insurance comparison for pembroke pines, FL Florida

Located in southeastern Florida with population of approximately 162,000, Pembroke Pines experienced a sudden boom in its population after thousands of Miami-Dade County relocated to the city out of fear of storms. The average coverage rate here is $2,224, just in line with the state's average.

Pompano Beach, FL

auto insurance comparison for pompano, FL Florida

This is another city that grew as a result of population explosion, which took place in the decades following the Second World War. Its population is over 104,000, including its seasonal residents who reside in the city in the winter months. The average coverage rate in Pompano Beach is $2,318, slightly above the state's average.

Saint Petersburg, FL

auto insurance comparison for saint petersburg, FL Florida

Located in the Tampa Bay area, this is a city of approximately 250,000 residents and a destination point for beach lovers. It is a city not to be left out during auto insurance comparison. The insurance coverage rate in Saint Petersburg is $2,074, making it slightly lower than the state's average.

Tallahassee, FL

auto insurance comparison for tallahassee, FL Florida

Not only is this city the state capital, it is also home to Florida State University. It has a population of over 186,000 residents and is located in the northern part of Florida. Even at being the capital city, insurance rates here are very cheap at $1,555. It's a significant savings for car owners.

Tampa, FL

auto insurance comparison for tampa, FL Florida

This is the anchor of the Tampa Bay area and has a population of approximately 353,000 residents. It has always found its way to the top of the list of "Best Cities To Live In". The insurance rates here are higher than the state's average, at $2,407 annually.

West Palm Beach, FL

auto insurance comparison for west palm beach, FL Florida

Known to be the oldest city in the southern part of the state, West Palm Beach has a population of approximately 102,000 residents. Presently, this famous city has become synonymous with storm and hurricane. The average coverage rate here is $2,360, a bit higher than the state average and not exactly a great option for those looking for cheap car insurance florida.

Tips For Auto Insurance Renewal

Often times, people tend to believe that they are happy with their current insurance coverage. However, if you have used that company for multiple years, it would not do you any harm to shop around and carry out auto insurance comparison for new policy every few years. Some of the tips that would help you find better policies or get the present firm to offer you better deals include but not limited to the following:

  • Request quotes from multiple coverage providers
  • Only reach out to the best-reviewed providers
  • Ensure you maintain great driving history and profile
  • Understand when to back off
  • Don't allow insignificant discounts becloud your reasoning
  • Never be in a hurry to buy a policy

What You Should Know About Price Optimization

This is another reason why it is important that you shop around for policies every couple of years. This is especially because, unknowing to customers, most coverage providers would not calculate their customers' premiums based only on their level of risk, but also on how much you are comfortable to part with. This is known as price optimization. They go ahead to access your personal data like online shopping habits, credit score, and other activities that would give out hints about your financial standing. With the information in their hands, they go on to charge you enough to boost their profit without giving you a reason to suspect that you are being over charged. On May 14, 2015, Florida joined the list of approximately 15 states that have addressed the issue of price optimization and its on the service providers' customers through the release of a memorandum by the Florida Office of Insurance Regulation, banning the greedy practice.

If at any point, you suspect that your loyalty to your coverage provider is being manipulated instead of being rewarded, you should not hesitate to search for alternative cheap car insurance florida. If you have a great driver profile, you can be sure of being offered highly competitive rates that reflect your status as a good driver.


As a car owner resident in Florida, you now know the importance of ensuring that your car is fully insured. You don't have to wait until you find yourself in a situation where you have to pay for all expenses of a car crash from your pocket, especially if lots of damage took place. Take your time to seek quotes from a variety of coverage providers, not just the popular ones but also, from other lesser-known providers with great reviews. Carrying out auto insurance comparison will always remain the key to purchasing the right insurance coverage in Florida at affordable rates.