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A Trip Back in Time: How People Talked About auto insurance quotes for florida 20 Years Ago
Florida Car Insurance
Car Insurance Quotes in Florida
Are you looking for affordable car insurance in Florida? Maybe you’ve been a resident of the Sunshine State for a while and are simply looking for a better or more affordable auto policy. Every driver in Florida needs auto insurance coverage. See why millions of policyholders trust GEICO to provide exceptional car insurance —from liability protection to comprehensive coverage.
If you’re buying a new car, comparing car insurance quotes, or looking to switch auto insurance providers, GEICO has the information you need to make an informed decision. We make it easy for you to get a free Florida car insurance quote online.
Required Auto Insurance Coverage in Florida
Drivers need to make sure they have the auto insurance coverages required by the state of Florida to legally operate a motor vehicle:
|Coverage Type||Florida Requirements|
|Bodily Injury Coverage||$10,000 per person and $20,000 per accident*|
|Property Damage Coverage||$10,000 per accident|
|Uninsured Motorist Coverage||$10,000 per person and $20,000 per accident*|
|Personal Injury Protection||$10,000|
- auto insurance quotes for florida
These are the minimum Florida car insurance coverage requirements, but you should choose the coverage you need. If you need help determining how much coverage you need you can use our Coverage Calculator.
Florida Car Insurance Discounts
Drivers in the Sunshine State are looking for car insurance that delivers exceptional service along with the great value. GEICO has you covered with a variety of Florida car insurance discounts. Discounts on auto premiums available in the state of Florida include:
- New Vehicle Discount
- Defensive Driving Discount
- Good Student Discount
- Military Discount
- Multi-Policy Discount
Learn more about all of the car insurance discounts that are available to GEICO policyholders in Florida.
Florida Car Insurance Laws(auto insurance quotes for florida)
According to the Florida Department of Highway Safety and Motor Vehicles (DHSMV), all drivers in the state must have auto insurance coverage. If you are pulled over, you can be fined for not having valid proof of Florida car insurance. So be sure to have your insurance ID card when you drive.
Two important Florida car insurance laws to be aware of are the Financial Responsibility Law and the No-Fault Law:
- The Financial Responsibility Law—requires certain drivers to carry full liability auto insurance coverage due to their driving history. These drivers include those at fault for past accidents resulting in injury to others, those who have received excessive points against their license, a DUI or a revocation due to serious and/or repeated offenses.
- The Florida No-Fault Law—requires all drivers to carry Personal Injury Protection (PIP). This coverage helps pay the insured’s medical bills in the event of an accident, regardless of fault. People often think drivers can’t be legally pursued for injuries they cause in an accident because Florida is a No-Fault state, but that isn’t right. No-Fault just means that drivers involved in an accident rely on their own car insurance providers to pay for subsequent costs.
Florida Registration Information(auto insurance quotes for florida)
Can I maintain my current policy issued in my previous state of residence?
- No. The minimum required insurance must be issued through an insurance company licensed to sell in Florida.
What if I fail to keep insurance on my vehicle that I have registered in Florida?
- The Department of Highway Safety and Motor Vehicles is authorized to suspend your driving privilege, including your vehicle tag and registration, for up to three years or until proof of Florida insurance is provided, whichever is first.
If my driving privilege is suspended because I am not properly insured, is there a penalty to reinstate my license?
- Yes. A reinstatement fee of $150 up to $500, for subsequent violations, must be paid and you must provide proof of current Florida insurance.
Florida Teen Driving Laws(auto insurance quotes for florida)
Florida uses a graduated licensing system. This system allows teen drivers to safely gain driving experience under varied conditions and circumstances before obtaining full driving privileges. It’s important for teens and parents to understand these laws:
- At the age of 15, a teen may apply for a learner’s license.
- For the first 90 days with a learner’s license, a teen may only drive during daylight hours. After 90 days, the learner’s license allows a teen to drive until 10:00 PM. A licensed driver over the age of 21 must always accompany the teen driver.
- After a teen has held a learner’s license for at least one year, and has at least 50 hours of certified practice, 10 of which must be at night, the teen may apply for a driver’s license.
- At 16 years old, a teen with a driver’s license generally may only drive between 6:00 AM – 11:00 PM.
- At 17 years old, a teen with a driver’s license generally may drive only between 5:00 AM – 1:00 AM.
- Most license restrictions are lifted when a driver reaches 18 years of age.
Florida Driving Resources(auto insurance quotes for florida)
- Florida Driver License
- Teen Drivers
- Senior Drivers
Florida Insurance Agents
GEICO has experienced insurance agents in offices across Florida who are ready to help you. We can answer questions you have about your car insurance in Florida. Our combination of 24/7 convenience along with dedicated agents you can speak with in person or over the phone is another reason Florida drivers switch to GEICO for an auto insurance policy. Learn more about our Florida insurance agents.
Here’s what you need to know when driving in Florida(auto insurance quotes for florida)
In Florida, auto insurance costs $2,425 a year on average — that’s 59% more than the national average. Car insurance rates are determined by many factors, including a driver’s age, driving history and location. To help you find an affordable policy, we analyzed average Florida car insurance rates to give you a frame of reference to determine whether what you’re paying is fair.
Continue reading to learn how much auto insurance costs in Florida, or if you’re ready to see how much you can save, submit your ZIP code above to receive personalized quotes from top insurance companies.
The best car insurance companies in Florida(auto insurance quotes for florida)
Here are the top three car insurance comp anies in Florida, according to third-party ratings from J.D. Power.
Not only did USAA receive a score of 898 (out of 1,000) in J.D. Powers’ 2021 U.S. Auto Insurance Study for the state of Florida, it also won top marks in The Zebra’s Customer Satisfaction Survey.
State Farm was a runner-up in J.D. Power’s 2021 auto study, scoring 848 out of 1,000.
Coming in third place with a score of 846 in J.D. Power’s 2021 customer satisfaction survey, Allstate is among the most popular insurance providers.
- Floridians pay about 59% more for car insurance on average
- The cheapest major car insurance company in Florida is Travelers
The cheapest car insurance companies in Florida(auto insurance quotes for florida)
These companies offer the cheapest rates in the following scenarios.
Travelers — cheapest overall
Travelers’ average monthly cost of $169 is cheaper than Florida’s average of $202 a month.
Travelers — cheapest after at-fault accident and DUI
We found that Travelers has the most affordable rates following an at-fault accident or DUI.
GEICO — cheapest for teen drivers
Insuring young drivers between the ages of 16 and 19 can be exorbitantly expensive. GEICO provides the lowest rate, at $454 per month or $5,453 annually.
|Company||Avg. Annual Premium|
|United Automobile Ins Group||$3,326|
Dynamic auto insurance data methodology(auto insurance quotes for florida)
Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.
Florida auto insurance laws(auto insurance quotes for florida)
Car insurance is mandatory in almost every state. In Florida — which is a no-fault state — the requirements for car insurance coverage differ from most other states. Rather than requiring bodily injury liability coverage (which is usually mandatory), Florida doesn’t require it. Instead, personal injury protection (PIP) is relied upon to cover injuries.
If you choose the legal minimum coverage level in Florida, expect to pay an average of $754 annually. This rate is less expensive than the nationwide average by 51%.
For the legal minimum coverage level in Florida, expect to pay about $754 per year.(auto insurance quotes for florida)
State minimum coverage
In order to drive legally in the state of Florida, you must carry at least the minimum liability limits listed below:
- Property Damage Liability: $25,000 per accident
- Personal Injury Protection: $10,000 per person
Optional coverage in Florida (varies by carrier):
- Bodily injury liability
- Medical payments
- Roadside assistance
- Uninsured/underinsured motorist coverage
If you want more robust protection and coverage, you can choose a policy with comprehensive and collision, which will protect you against the costs of car accidents, theft, vandalism or weather incidents. This is commonly known as full coverage.
Just keep in mind that better coverage comes at a cost: in Florida — which already tends to be an expensive state for auto insurance — a comprehensive insurance policy with a $1,000 deductible costs $2,268, 201% more than liability-only car insurance. For a comprehensive policy with a $500 deductible, expect to pay 232% more than you would for basic coverage.
In Florida, a comprehensive insurance policy with a $1,000 deductible costs $2,268, 201% more than liability-only car insurance.(auto insurance quotes for florida)
The Zebra’s guide to Florida car insurance laws(auto insurance quotes for florida)
Learn more about car insurance requirements in the state of Florida with our helpful guide.
Compare car insurance rates from the best companies in Florida.
Florida car insurance premiums by rating factor(auto insurance quotes for florida)
A number of individual factors go into calculating what you pay for auto insurance, including your coverage level, driving history, location and more. To get a better idea of how much you should be paying in premium in Florida, we gathered average rates by rating factor below.
Cheap auto insurance in Florida for minimum coverage(auto insurance quotes for florida)
Forgoing full coverage for liability-only at the state minimum level will make your car insurance significantly cheaper. In Florida, the average cost for minimum coverage is $63 per month, or $754 yearly — a savings of $1,749 compared to full coverage.
|Company||Avg. Annual Premium|
|United Automobile Ins Group||$1,453|
Cheap auto insurance in Florida with bad credit(auto insurance quotes for florida)
In almost all states, your credit score is a factor that affects your rate. This is because data informs insurance companies that drivers with poor credit tend to carry more risk, and thus, rates are much higher if you have bad credit. On average, Florida drivers with poor credit pay $2,533 more every year than those with great credit. Take a look at how different companies charge those with bad credit below.
|Company||Avg. Annual Premium|
|United Automobile Ins Group||$3,326|
Cheap auto insurance in Florida with an at-fault accident(auto insurance quotes for florida)
A history of accidents or tickets can play a big role in how much you pay. This is because your driving history is another indicator of risk — and risk is something insurance companies want to avoid. Having a recent at-fault accident in your driving record could raise your premiums by as much as $992 per year.
Safe driver discounts(auto insurance quotes for florida)
In addition to having a cheaper premium, some companies offer a safe driving discount. While the amount varies based on your company, it can range between 5 and 10%.
|Company||Avg. Annual Premium|
|United Automobile Ins Group||$4,282|
Cheap auto insurance for young drivers in Florida(auto insurance quotes for florida)
Young drivers between the ages of 16 and 25 pay the most for car insurance across the U.S. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. In Florida, teen drivers between the ages of 16 and 19 pay $6,295 per year — which is $4,766 more than the national average and 160% higher than what a 30-year-old Florida driver would pay.
|Company||Avg. Annual Premium|
|United Automobile Ins Group||$8,255|
Florida auto insurance rate by violation(auto insurance quotes for florida)
When you receive a ticket, your car insurance rates will probably go up. How much your rate will increase depends on the violation, your car insurance company’s pricing standards and differing local insurance regulations. That’s why tickets may have a different impact on insurance in your state compared to the national average.
See below average auto insurance rates in Florida after a few common citations.
|Accident/Violation||Avg. Annual Premium||% Rate Increase||$ Rate Increase|
|One Med/PIP claim||$2,923||0%||$0|
|Two Med/PIP claims||$3,139||7%||$216|
|One comp claim||$3,159||8%||$236|
|Two comp claims||$3,256||11%||$333|
|Failure to wear a seat belt||$3,306||13%||$383|
|Child safety restraint||$3,306||13%||$383|
|Driving without lights||$3,317||13%||$394|
|Failure to show documents||$3,317||13%||$394|
|Speeding 6 – 10 MPH over limit||$3,352||15%||$429|
|Passing school bus||$3,391||16%||$468|
|Wrong way/wrong lane||$3,406||17%||$483|
|Failure to yield||$3,411||17%||$488|
|Failure to stop at a red light||$3,411||17%||$488|
|Following too closely||$3,417||17%||$494|
|Driving with expired registration||$3,417||17%||$494|
|Cell phone violation||$3,417||17%||$494|
|Texting while driving||$3,427||17%||$504|
|Speeding 11 – 15 MPH over limit||$3,478||19%||$555|
|Driving too slowly||$3,506||20%||$582|
|Speeding in school zone||$3,506||20%||$582|
|Speeding 16 – 20 MPH over limit||$3,607||23%||$684|
|Speeding 21 – 25 MPH over limit||$3,630||24%||$707|
|Operating a vehicle without permission||$3,674||26%||$751|
|In 65 MPH zone||$3,878||33%||$955|
|At-fault accident – less than $1000||$4,122||41%||$1,199|
|At-fault accident – greater than $2000||$4,201||44%||$1,278|
|At-fault accident – $1000-$2000||$4,201||44%||$1,278|
|Refusal to submit to a chemical test||$4,488||54%||$1,565|
|Driving with a suspended license||$4,599||57%||$1,676|
|Leaving scene of an accident/hit and run||$4,705||61%||$1,782|
Florida DUI laws
In Florida, a DUI offense can increase your annual car insurance premium by over 50%. Finding affordable auto insurance after a DUI violation can be a challenge. In fact, a DUI often triggers a bigger premium increase than most single road violations.
Low-cost car insurance after a DUI in Florida
If you’re convicted of a DUI or DWI violation in Florida, it’s important to assess each of your insurance choices carefully. Car insurance premiums following a DUI can vary substantially by insurer. For example, the least expensive car insurance company with a DUI in Florida, Travelers, advertises annual rates 35% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Florida is State Farm, while the most expensive is United, with prices 26% above average.
|Company||Avg. Annual Premium|
|United Automobile Ins Group||$5,670|
There is no insurer in particular that offers an inexpensive DUI car insurance rate that’s comparable to a rate without a DUI on your record. The recommended way to save after a DUI citation is to shop around with as many companies as possible.
Compare and buy car insurance online or reach out to an insurance agent to assess your choices and find a cost-effective policy.
Learn more about car insurance and DUI infractions.
Florida SR-22 insurance
An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Florida to ensure that you remain insured.
Finding cheap auto insurance with an SR-22 in Florida might require some research, but it could pay off in the end.
How to acquire an SR-22 in Florida
For currently insured drivers
If you possess an active auto insurance policy, requesting an SR-22 is straightforward. Contact your insurance company and request that the company file an SR-22 certificate request on your behalf. If your current insurance company won’t request a certificate, you should look for a new auto insurance company.
For uninsured drivers
When filing for a new policy, you might be saddled with an up-front fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 certification might disqualify you from buying insurance from some carriers, while others will sell you a policy.
For drivers without a vehicle
Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. If you don’t own a vehicle, you should apply for a non-owners car insurance policy before filing for an SR-22. Non-owners auto coverage is typically cheaper than traditional coverage since it doesn’t cover physical damage to your vehicle.
Find an affordable policy in Florida in minutes!
Rates by city
Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. The cheapest car insurance is found in Santa Rosa Beach, Florida, and the most expensive in Westview, Florida.
Have a look at the table below to see average car insurance costs in some of Florida’s biggest cities.
|City||Avg. Annual Premium|
Car insurance price trends in Florida
In Florida, average annual auto insurance costs increased by $101 in the past year. A typical Florida driver pays an average of $2,425 per year.
Year over year pricing trends in Florida gravitate from sharp increases — sometimes by as much as hundreds of dollars — and less commonly, slight dips. The steepest decrease occurred from 2013 to 2014, while the highest surge took place from 2015 to 2016. In contrast, car insurance rates across the United States have stayed relatively steady in the past few years, moving from $1,521 in 2018 to $1,529 in 2021.FLORIDA CAR INSURANCE RATE TRENDS
|Year||Avg. Annual Premium — Florida||Yearly Change — Florida||Avg. Annual Premium — US||Yearly Change — US|
A support system can help a person cope with stress by providing a listening ear, a shoulder to cry on, or even just a friendly face. A support system is important because it can make a person feel loved. Love is an important emotion and it can be hard to come by. A support system can make a person feel loved by being there auto insurance quotes for florida
When it comes to auto insurance, Florida is a unique state. With so many different factors to consider, it can be difficult to find the right policy for your needs. In this blog post, we’ll share some tips on how to get the best auto insurance quotes for Florida.
One of the first things to consider when shopping for auto insurance in Florida is whether or not you want to purchase a policy with full coverage. Full coverage policies typically have higher premiums, but they also provide more protection in the event of an accident. If you have a newer car, or one that is financed, you may be required to carry full coverage.
Another factor to consider is the type of car you drive. If you have a luxury car or one that is considered to be a higher risk, you can expect to pay more for your insurance. On the other hand, if you drive a safe, reliable car, you may be able to get a discount on your premium.
Perhaps the most important factor in determining your auto insurance rates is your driving record. If you have a clean record, you can expect to pay less for your insurance than someone with multiple accidents or traffic violations. By keeping these factors in mind, you can be sure to get the best auto insurance quote for Florida.
While having a support system is important for everyone, it can be especially valuable for those dealing with difficult life circumstances. A support system can provide a sense of belonging, help cope with stress, and make one feel loved – all of which can be helpful in times of need. If you find yourself in a difficult situation, building a supportive network may be just what you need to get through it.