Finding cheap car insurance in Florida doesn’t have to be a headache. To make the process as easy as possible, our team compared the lowest insurance rates from nine leading insurance providers.
It’s important to remember that there’s no one-size-fits-all insurance company that offers the best quotes for all motorists. The cost of your insurance will depend on your driving record, how far you commute each year, and dozens of other factors. Below, you’ll find our estimates for the best insurance rates for the following categories of drivers:
Best Rates For Drivers With No Recent Accidents
Your accident history is the most important factor that insurance companies consider when calculating your monthly premiums. Our research found that Geico has the lowest car insurance quotes in Florida for drivers who weren’t involved in a recent wreck. If you don’t fall into this category just yet, try to maintain a safe driving record for several consecutive years, and compare auto insurance quotes periodically to find out if you could save by switching to a different company.
Best Rates For Teen Drivers
Insurance companies consider teenagers to be more of a liability. The cost of insurance for a teen driver can vary wildly from one provider to the next, but our study determined that teens and young drivers in Florida should look at Geico for low cost rates. These estimates are based on the minimum required insurance coverage.
Best Rates For Drivers With A DUI
You should never drink and drive, but we all make mistakes. If you do have a DUI conviction, you may already know that your insurance rates will most likely increase.
Drivers with a DUI often save hundreds of dollars by switching to an insurance provider who is more lenient on this category of motorists. Our researchers found that Geico offers the best cheap SR22 car insurance quotes in Florida for drivers with a DUI, closely followed by Progressive.
Best Rates For Senior Drivers
The 65-year-old driver in our study hadn’t caused any collisions or been cited for traffic violations within the past five years. We averaged the rates for male and female drivers and found that Geico offers very competitive car insurance quotes for seniors in Florida.
All categories involved a 2014 Toyota Corolla that was driven 12,000 miles per annum. The default motorist was age 29. Our estimates are based on average rates for males and females in five zip codes. Except for the “teenage driver” segment of our study, all test drivers were shopping for liability coverage with limits of 50/100/25 and uninsured motorist coverage with the same limits.
What Are The Minimum Coverage Requirements For Auto Insurance In Florida?
Florida drivers are required by law to carry auto insurance that meets the following minimum coverage limits:
- $10,000 in Personal Injury Protection
- $10,000 in Property Damage Liability
Can My Florida Auto Insurance Provider Increase My Rates After An Accident That Another Person Caused?
Yes. You can expect your car insurance rates to increase after a wreck even if you were not determined to be at fault. The reason? Car insurance companies know that drivers often share fault in accidents, so they usually consider a person to be more of a liability after a collision no matter who was found to be liable.
Common Reasons Why Your Car Insurance Company Might Increase Your Monthly Rates
If you’re like most people, you’d welcome the opportunity to cut your monthly car insurance premiums. In the same vein, you’d prefer to avoid giving your provider any reason to increase your rates.
Here are a few scenarios when your insurance company might charge you more for coverage:
- You were in a recent collision;
- You committed a DUI;
- You committed a traffic offense;
- You’ve purchased a new car that has a higher claim rate or horsepower;
- You moved to a new zip code; or
- You’ve added another driver to your policy.
What Is The Most Critical Step To Take Following A Crash?
If you are involved in an accident, the most important step to take is to seek medical assistance for yourself and for anyone else involved in the crash. If you are able, you should exchange insurance and contact details with other drivers, write down the contact info of eyewitnesses, and document the scene, but those priorities take a back seat to getting medical attention. And don’t forget to notify your insurance company about the wreck as soon as possible.