Cheap Car Insurance in Florida
Everything You Need to Know About Auto Insurance in Florida
The Sunshine State is known for its beaches and busy roads that run from Miami to Fort Lauderdale to Orlando, Tampa, and the Florida Panhandle. Among Florida’s most popular and busiest highways are the I-95 and the A1A by the ocean.
In addition to paradisiacal beaches, this state also offers theme parks like Walt Disney World and Universal Orlando Resort, as well as natural wonders like Everglades National Park. On all your road journeys, you should consider that here rainstorms pop up fast, hurricanes threaten during storm season, and roads can be crowded at all hours. That’s why you need to be equipped with the best cheap auto insurance in Florida.
Although insurance premiums vary for each driver, depending on several factors that we will explain in this guide (such as your age, gender, occupation, etc.), at Acceptance Insurance there are local bilingual agents who help you compare quotes and find the policy you need tailored to your budget.
How Much Does Car Insurance in Florida Cost?
How much is car insurance in Florida? Full car insurance coverage costs around $324 per month, and liability insurance is approximately $88 per month. These rates are higher than the national monthly averages of $224 and $68, respectively.
High traffic, frequent storms, lots of visitors, and a large number of claims all contribute to higher prices. Even so, you still have options for cheap auto insurance that Florida drivers can work into their budgets—especially if you compare companies and use discounts.
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What Is the Average Premium for Cheap Full Coverage Car Insurance in FL?
On average, full coverage car insurance in Florida costs $324 per month, which is significantly higher than the national average of $224. This represents an increase of approximately 44.6%.
The components of full coverage include:
- Liability coverage: This is the minimum required coverage to protect against damage and injuries caused to others in an accident.
- Collision coverage: This helps pay for repairs or the replacement of your own vehicle if you’re involved in a collision, regardless of who is at fault.
- Comprehensive coverage: This covers non-collision incidents such as theft, vandalism, natural disasters, and other unforeseen events.
It is important to note that if you have a financed vehicle, your lender may require you to carry full coverage insurance. Even if it’s not a requirement, many drivers choose full coverage to ensure comprehensive protection beyond the minimum liability requirements in Florida.
Given the significant cost difference between Florida’s full coverage and the national average, it’s important to shop around and compare quotes from different insurance providers. At Acceptance Insurance, we’re here to assist you in finding the right coverage at a competitive price.
How Much Does Liability Insurance or
Liability insurance is the more affordable car insurance option, with an average monthly cost of around $88 (though it is noticeably higher than the national average of $68 per month). To secure this rate, it is imperative to maintain an outstanding driving record and own a reasonably priced and secure vehicle. It is also recommended to verify if you meet the eligibility requirements for any discount to further reduce your rates.
Fortunately, you can get more than just the state-required car insurance at a competitive price. Florida is a “no-fault” state, which means that after an accident, each driver’s own insurance company pays for their medical expenses and damages, regardless of who caused the accident. This system is designed to reduce lengthy legal battles but also means that having only the minimum coverage can leave you financially vulnerable in serious accidents.
Every year, many drivers learn the hard way that relying solely on the basic coverage is a risky gamble. Don’t leave your financial security to chance — make sure you have the right level of protection that suits your needs.
How do Rates Compare Across Georgia’s Major Cities
Your location plays a big role in determining your insurance rates in Florida. Insurers consider various factors, such as the level of congestion in cities and the frequency of vehicle-related crimes in your area. Living in densely populated cities like Miami or Orlando may result in higher premiums compared to driving on rural roads. If your area has a high vehicle crime rate, it can also impact your insurance rates. Here are some cities in Florida that you can compare:
We use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by Florida.
What are Some Car Insurance Discounts in Florida?
The most substantial discount you can receive on car insurance is for being a good driver. By maintaining a spotless driving record, you can potentially enjoy a discount of up to 20% off your annual premium, depending on the insurer. Moreover, there are various other enticing discounts available in Florida, such as
Remember to consult with your insurance agent about the best discounts for car insurance in Florida that you may qualify for and how much you could save. Additionally, you can further reduce your rates by applying different strategies to lower your auto insurance.
Types of Auto Insurance Coverage
What You Should Know About Auto Insurance Options
- Bad Credit: Don’t stress if your credit isn’t spotless—there are plans out there tailored to help you get coverage that fits your budget.
- High-Risk Auto Insurance: If your driving record has some bumps, or you need special coverage like DUI or SR-22 insurance in Georgia, you can still find affordable options that work for you.
- Liability: This is the most basic and wallet-friendly way to cover any damage or injuries you might cause to others. Plus, it’s usually a legal must-have.
- Non-Owner Auto Insurance: Not your own car but still behind the wheel sometimes? There’s liability coverage designed to keep you protected during those drives.
- Non-Standard: For drivers who don’t quite match the typical profile—whether because of age, past issues, or other reasons—there are insurance plans made just for you.
- Senior: Special policies and discounts made to fit the needs of older drivers, giving you coverage with your experience in mind.
- SR-22 in Florida: This is a special kind of certificate often required after serious traffic incidents, showing you have the insurance you need to stay on the road legally.
- Teenager: Designed specifically for young, new drivers, this coverage helps keep insurance costs reasonable as they gain confidence behind the wheel.
Florida Car Insurance Laws
Is car insurance required in Florida? Get ready to master Florida’s car insurance laws. Our guide covers everything from mandatory car insurance requirements, penalties for driving uninsured, and when to report an accident.
Ignoring these guidelines could land you in trouble. So, take the time to study these sections and avoid violating Florida’s insurance laws.
What are Mandatory Vehicle Insurance Requirements in Florida?
Here are the details you need to know about the minimum car insurance in Florida:
- Personal Injury Protection (PIP) coverage: You must carry a minimum of $10,000 in PIP coverage. In a no-fault state like Florida, PIP helps cover your medical expenses and related costs if you’re injured in a car accident.
- Property Damage Liability (PDL) coverage: You are also required to have at least $10,000 in PDL coverage. This insurance helps pay for damages your vehicle sustains, regardless of who is at fault.
Remember, in Florida, liability insurance is the minimum required coverage and PIP is mandatory due to the no-fault system. Having adequate coverage ensures that you’re protected in case of an accident.
What Happens if You are Caught Driving Without Insurance in FL?
If you’re planning to drive in Florida, having the state’s minimum required insurance coverage is crucial. Not carrying insurance can result in serious consequences. The penalties for driving without insurance in Florida include hefty fines and the possible suspension of your driving privileges. Here’s a breakdown of what you might face:
- First offense: A $150 reinstatement fee might be in place, and your license and registration may be suspended for up to 3 years, unless proof of insurance is provided in time.
- Second offense: If you have a lapse in insurance within 3 years of your first offense, you may incur a $250 reinstatement fee. Also, your license and registration may be suspended for up to 3 years, unless proof of insurance is provided in time.
- Subsequent offenses: If you have a gap in insurance within 3 years of your first offense, you may be subject to a $500 reinstatement fee. Additionally, your license and registration may be suspended for up to 3 years, unless proof of insurance is provided in time.
What Factors Does Florida Law Allow in Determining Your Insurance Premiums?
Insurance policies in Florida are customized based on several factors, including age, gender, credit score, education and occupation, marital status, zip code, car type, and driving history. These factors help determine the specific premium you will pay for your insurance coverage.
Am I Required to Report an Accident in Florida to Authorities?
Yes. In Florida, reporting an accident to the authorities is mandatory, especially if there is significant property damage, physical injuries, or, in the worst-case scenario, fatalities. Failing to report a car accident can result in criminal prosecution or a hefty fine in Florida.
What is Driving in Florida Like?
Driving in Florida can be challenging due to heavy traffic in major cities such as Miami, Orlando, and Tampa. Additionally, the unpredictable weather, including frequent rain showers and occasional hurricanes, can make commuting difficult. So, buckle up and stay vigilant while driving in the Sunshine State!
How Many Car Accidents Happen in FL?
In 2023, Florida had many fatal car accidents, with 3,162 reported incidents. Unfortunately, this led to the tragic loss of 3,375 lives, of which 363 were related to alcohol consumption. Distressingly, there were 234 bicycle fatalities and 587 motorcyclist deaths throughout the year. Pedestrian accidents also took a heavy toll, causing 791 fatalities.
How Many Drivers are Uninsured/Underinsured Motorists in FL?
According to the Insurance Information Institute, 20.6% of drivers in Florida do not have car insurance, placing the state 7th in the United States in terms of uninsured drivers.
To help those who are involved in accidents with uninsured/underinsured or hit-and-run drivers, Florida adopted the no-fault system. While this policy enables drivers to use their own insurance to pay for the damages, it might not be enough to cover the rising medical and repair costs.
Therefore, it is essential to consider raising your coverage to ensure proper protection on Florida’s roads. As a driver, being adequately insured provides you with peace of mind and safeguards you from unexpected expenses.
FAQs About Florida Car Insurance
FAQs About Florida Car Insurance
I am a Low-Income Driver. How Can I Find the Cheapest Car Insurance in Florida?
In Florida, there are no specific state programs available to assist low-income drivers with insurance costs. However, it is still possible to find affordable rates by following some tips.
First, it’s important to compare quotes from different insurance providers. By doing so, you can find more affordable options. Don’t hesitate to contact and negotiate with multiple insurers to get the best possible deal.
Additionally, consider the type of vehicle you drive, as certain models may lead to higher insurance premiums. Opting for a more affordable and safer vehicle can help reduce costs.
Maintaining a clean driving record is crucial, as accidents and traffic violations can significantly increase insurance rates. Keep within speed limits, avoid distracted driving, and always wear your seatbelt.
You can also consider taking a defensive driving course. In Florida, passing a state-approved defensive driving course can result in an insurance discount. This will help you save money and become a safer drive
Can an Undocumented Worker Get Auto Coverage in FL?
Unfortunately, Florida does not allow undocumented workers to obtain car insurance. This is different from 15 states and Washington, D.C., where undocumented immigrants can get car insurance. In Florida, car insurance is mandatory, but without a valid immigration status, undocumented workers cannot fulfill this requirement.
Is It Possible to Get Auto Insurance in Florida with a DUI on my Record?
Yes, it is possible to get car insurance in Florida with a DUI mark on your record. However, you need to consider that having a DUI Insurance requirement will likely result in higher costs due to the increased risk you pose as a driver. The state mandates at least three years of continuous coverage with an FR-44 endorsement.
Despite the higher costs, there are insurance providers who specialize in covering high-risk drivers. It is recommended to shop around, compare quotes, and consider additional coverage options and discounts to find the most affordable car insurance that meets your needs. Each individual’s situation is unique, so it’s important to explore options and seek advice from knowledgeable agents.
Is Florida an At-Fault or No-Fault State for Auto Insurance?
Florida is a no-fault state. After most crashes, your own PIP coverage is used to pay your medical bills, up to your policy limits, no matter who caused the accident.
However, you can still be held responsible for serious injuries and property damage you cause—especially when costs go beyond basic PIP and PDL limits. That’s why many drivers carry higher liability limits and add uninsured motorist coverage in Florida for extra protection.
Find Low-Cost Auto Insurance in Florida Today!
Looking for cheap car insurance in Florida even with tickets or accidents on your record? Call 877-405-7102 today, start a quote online, or visit an Acceptance office. A bilingual agent will carefully review options, compare Florida car insurance quotes, hunt for discounts, and tailor coverage to your lifestyle, needs, and monthly budget.
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