Cheapest Car Insurance Rates in 2023
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Cheap SR 22 Auto Insurance in Florida: Best Companies & FR44 DUI Quotes
Personal Finance Expert
Tyron Jones is a finance expert who has operated within the auto insurance business for more than 10 years. He has written many other finance related articles for a number of prominent publications.
Best Car Insurance Companies in Florida
- State Farm
- Liberty Mutual
|USAA||Allstate||Esurance||State Farm||Geico||Liberty Mutual|
|AM Best Financial Strength Rating||A++||A+||A+||A++||A++||A++|
|JD Power 2019 Overall Customer Satisfaction score||5/5||5/5||5/5||5/5||3/5||4/5|
|Avg Annual Premium||$1,031||$4,863||$1,063||$984||$1,278|
|Consumer Reports Reader Score||92||72||70||78||78||N/A|
|BBB Rating||Not Rated||A+||A-||B+||A+||A|
There are dozens of other insurance agencies happy to help you find lower rates in the Sunshine State, but it depends on more than just finding the best price. If you want the best rate for your Florida auto insurance, you must consider how certain factors will affect your rates.
Auto Insurance Statistics in Florida
According to NAIC.org, the cost of auto insurance premiums in Florida have been increasing over the past decade. Florida’s insurance rates have been consistently above the national average and that trend appears to be staying the same.
Top 10 Cheapest Car Insurance Companies in Florida
|Rank||Company Name||Avg. Annual Premium|
Drunk Driving Fatalities
2011 saw the highest amount of drunk driving fatalities in Florida. However, since that initial spike, the numbers appear to be leveling off and are now below the national average. The data below is a reflection of Florida drunk driving fatalities in comparison with national averages for the same years.
Drunk driving fatalities in Florida from 2013 to 2017
Teen Drinking and Driving
Teen drinking and driving in Florida is high but is still less than the national average. Teens should be warned about the dangers of drinking and driving prior to getting their driver’s licenses. The below statistics represent the percentage of Florida drivers that are teenagers who are drinking and driving when compared with national averages.
Teen Drinking & Driving in Florida vs. Nationwide (2017)
SR-22 Insurance in Florida
Florida is yet another state that requires certain drivers to purchase SR-22 coverage when they lose their license and want to begin driving again. If you cancel your SR-22 insurance policy, your insurance provider will contact the DMV to inform them that you no longer have the required coverage. In Florida, SR-22 coverage requires you to have $30,000 worth of per accident bodily injury coverage, $15,000 worth of per person, and property damage coverage of $5,000.
In some cases, the state of Florida might require you to have FR-44 insurance instead of SR-22. Unfortunately, these policies are much more expensive because they have higher coverage — they're dedicated to drivers that commit serious infractions, such as a DUI.
Car Theft in Florida
When buying car insurance, it’s important to keep in mind all of the situations in which you may need to use your car insurance. Although vehicle theft is a very unwanted situation, it is still a possibility that needs to be considered. Comprehensive coverage can provide protection for car owners in the event of automobile theft. The below data shows how Florida ranks against other states nationwide in the number of car thefts.
Vehicle thefts by rank nationwide vs. Florida
Uninsured Motorists in Florida
Florida tops the charts as the state with the highest number of uninsured and underinsured motorists driving on public roadways. With a high 26.7% of drivers falling into this category for the year 2015, it is essential to consider purchasing uninsured and underinsured motorist coverage if you live and drive in the state of Florida.
Percentage of uninsured drivers (Top 10 States in 2015)
Factors Affecting Your Car Insurance Rate in Florida
Where you live plays a large role in the kind of insurance you pay for. If you live in a high-crime neighborhood or one with low economic status, you’ll pay more. There are more thefts, fewer insured drivers on the road, and more dangers for your vehicle. If you live on the beach or another body of water, your rates will be higher because your car stands a higher chance of being flooded. If you live far from where you work, you’re going to find your insurance is more expensive because you spend more time on the road.
Florida residents need good credit for the best insurance rates. Your credit score isn’t going to cause you insurance denial, but it’s going to cost you low rates. You should work on your score if it’s low, and avoid applying for a new insurance policy until you go from bad credit to good. Your insurer uses this as an idea of how trustworthy and reliable you are as a bill paying individual, and see negative items on your credit report shows them you’re a risky customer.
Your Driving History
Don’t assume going a year or two without a ticket or accident on your record means you’re a good driver. When you seek a new insurance policy, your insurer looks at your entire past driving record. If you have numerous incidents in which tickets or accidents were noted on your record, you’re going to be labeled as a dangerous driver. If this is you, be prepared to pay higher premiums.
Your Personal Life
Your marital status, age, and gender play a large role in how much you pay for insurance. Married couples tend to pay less, but those who are under 25 can expect to pay more. Young men are more likely to become involved in accidents, so insurance companies charge them more money for their insurance. You should get to know which life factors will affect your rates, even if you’re unable to change them at the moment.
The Cheapest Policy
One important factor while looking for a cheaper insurance rate is cost. You want to pay as little as possible for as much as possible, but you don’t want to pay as little as possible for as little coverage as possible. If your policy is cheap because your deductible is high, it’s fine as long as you can afford to pay the deductible if necessary. If your coverage is comprehensive, a cheap plan might work. If it’s lacking and leaves you paying more than you can afford when an accident or other issue occurs, it’s not a plan worth paying for no matter how inexpensive it is.
Your insurance company is happy to work with you if you give them a call. Let them know you’ve been a long-time customer and would like to see if you can get a discount so you don’t have to look for a new insurance company. If they won’t do that, ask about discounts for the safety features your car possess. Alarm systems, driving assistance features, and more can affect your rates if you just let the insurance company know you have them and use them regularly.
Types of Auto Insurance Coverage in Florida:
- Uninsured/Underinsured Motorist Bodily Injury Insurance
- Uninsured Motorist Property Damage Insurance
- Bodily Injury Liability Insurance
- Property Damage Liability Insurance
- Comprehensive Insurance Coverage
Minimum Requirements For Car Insurance in Florida
There are minimum requirements for car insurance in the state of Florida. The basic type of coverage that every driver is required to have is liability coverage in accordance with the rules of the Florida Department of Highway Safety and Motor Vehicles.
Florida Liability Coverage minimum coverage:
- $10,000 property damage liability
- $10,000 personal injury protection
In the event that a driver in Florida is stopped and does not have insurance, their driving privileges may be suspended and their vehicle registration may also be suspended for up to 3 years. To reinstate these privileges, the driver will need to pay a fee between $150 to $500.
Source: Florida Department of Highway Safety and Motor Vehicles (DHSMV)
Cheap Auto Insurance Discounts
At CheapAutoInsurance.co, our goal is to provide you will quality cheap auto insurance solutions. When you want to find the very best deals on car insurance, car insurance discounts are the way to go. Below is a list of commonly used car insurance discounts that Florida drivers may find useful.
- Car safety features discount
- Military or Veteran discount
- Mature driver discount
- Multi-car auto insurance discount
- Senior citizen discount
- Defensive driving discount
- Good student discount
- Infrequent usage discount
- Low-mileage discount
- Bundling insurance policies discount
- Anti-theft discount
General Florida Auto Insurance
We’ll answer all of your basic questions about Florida car insurance in this section. Use this section to get a good foundation so you can fully understand more advanced questions.
What Kind of Car Insurance do I Need in Florida?
What Is Considered Full Coverage Auto Insurance in Florida?
What Is the Best Car Insurance in Florida?
How Does Florida high risk Car Insurance Work?
What do I Need to Get Car Insurance in Florida?
What Is the Most Common Auto Insurance Coverage in Florida?
How Does Florida No-Fault Auto Insurance Work?
Is Car Inspection Required When I Switch Car Insurance to State of Florida?
What kind of insurance should I get on a motorcycle that I do not use a lot?
Florida Auto Insurance Laws
Insurance isn’t just a smart idea – it’s the law! This section answers questions about car insurance laws in Florida.
What Car Insurance Is Required in Florida?
What Is the Fine for Not Having Car Insurance in Florida?
How Long do I Have to Transfer Insurance to a New Car Florida?
What Is Bodily Injury on a Florida Auto Insurance Card?
What Is the Minimum Auto Insurance Coverage in Florida?
What Happens if You get in a Car Accident Without Insurance in Florida?
What Is Minimum Car Insurance Requirements in Florida?
In Florida What Is Law on Liability Car Insurance?
What Is the Florida State Minimum Auto Insurance?
Auto Insurance in Florida Prices
It’s never good to overpay, and that’s especially true with insurance. This section answers your questions about car insurance prices in Florida.
How Much Is Car Insurance in Florida Per Month?
Why Is Car Insurance so Expensive in Florida?
What Is the Cheapest Car Insurance in Florida?
How to Get Cheap Car Insurance in Florida?
Who has the Best Auto Insurance Rates in Florida?
What Is the Best Auto Insurance Company in Florida?
Who has the Lowest Car Insurance Rates in Florida?
How Much Is Car Insurance in Florida for an 18-Year Old?
How Much Is Car Insurance for a 20-Year Old Female in Florida?
What Is the Average Cost of Car Insurance in Florida?
What Is the Cheapest Car Insurance in Florida When You Have Kids?
What Is the Least Expensive Car Insurance an 81-Year-Old Man can Get in Florida?
How Much Is Car Insurance for a 16-Year Old in Florida?
How Much Is Car Insurance in Florida for a New Driver?
Why do Auto Insurance Companies in Florida Charge More for a Policy if You had a Suspended License?
What Auto Insurance Company Is Good for Teens in Florida?
How Much Is the Rate in Car Insurance for 2018 in Florida?
What Is the Cheapest City in Florida for Car Insurance?
How Much Is Liability Insurance for a Car in Florida?
How to Beat Florida High Auto Insurance?
How Much has the Cost of Car Insurance Increased in the Last Decade in South Florida?
Auto Insurance Claims in Florida
While we hope you never have to make a claim, this section answers your questions about how car insurance claims work in Florida
In Florida, When in a Car Accident Whose Insurance Pays to Repair Your Car?
Car Accident in Florida Without Cops - How do You Claim Insurance?
Other Florida Auto Insurance Questions
People have a ton of questions about cheap Florida auto insurance, and many of them don’t fit into our standard categories. We’ve got those answers here.
How to File a Complaint Against an Auto Insurance Company in Florida?
What Happens if You Don't Have Car Insurance in Florida?
What Happens If You Do Not Call Auto Insurance Company in Florida after Accident?
How to File a Claim Against Geico Auto Insurance With Florida Department of Insurance?
What Is the Difference Between Stacked and Unstacked Car Insurance in Florida?
How to Check if Someone has Car Insurance in Florida?
What Is the USAA Auto Insurance 5 Digit Code for Florida?
What Company Offers Non-Owner Car Insurance Florida?
Cheap Car Insurance Near Me in Florida
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