Car Insurance in Florida

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Looking for Cheap Car Insurance in Florida?

It's true that, compared to the rest of the nation, Florida has some of the highest accident rates and some of the highest rates of property theft and natural disasters. Drivers in Florida have some of the highest accident rates in the country, and residents have to deal with many tourists. In addition, freeway congestion is frequent in the crowded state, and there are regular hurricanes to contend with.

These factors contribute to the high rates and make it essential for Floridians to have insurance on their vehicles. Unfortunately, that means Florida drivers have to pay higher premiums than most Americans—but they don't have to! Carlay can help you save money on car insurance no matter where you live in Florida.

Carlay Insurance offers low-cost car insurance for Colorado drivers. An average Carlay customer saves $879 per year on car insurance by comparing quotes from the top 50 insurance providers.

Want to see a Carlay Light Switch in action? Check out some quotes from our satisfied Florida customers:

How Much Does Car Insurance Cost in Florida?

The average cost of purchasing a car insurance policy with liability coverage only in Florida is $2,573. To buy a policy with full coverage, on the other hand, will cost an average of $3,232 per year.

Nationwide averages for car insurance are $1,783 for liability-only coverage and $2,485 for full coverage.

What contributes to the insurance rates in Florida?

Here are a few reasons why car insurance rates in Florida are so high.

  • Crowded interstates

Florida has some of the most congested interstates and highways, which cause car accidents at an exponentially higher rate than less-populated states. In addition to having more cars on its streets, Florida also deals with many traffic accidents as tourists flock to its beautiful beaches and theme parks.

  • Auto thefts

Florida has a high rate of auto theft—one of, if not the highest rates in America. Auto thefts are less common than auto accidents and natural disasters—but they're still an essential part of Florida car insurance. Since stolen cars tend to be high-end, your auto theft rate correlates with your cost of living. This means that expensive cities usually have higher auto theft rates, meaning car insurance companies will charge their customers more for policies there.

  • Inclement weather

Although Florida is famous for its beautiful beaches and all-year-round sunshine, it's also one of the riskiest states to drive in. Hurricanes, tornadoes, and floods mean drivers can be affected by poor weather at any time of year.

The following table compares Florida to the national average in terms of insurance premiums:

All Coverage BeforeCarlay All Coverage AfterCarlay Minimum Coverage BeforeCarlay Minimum Coverage AfterCarlay Full Coverage BeforeCarlay Full Coverage AfterCarlay
FL $2,805 $1,958 $2,489 $1,594 $2,827 $2,141
National Average $2,490 $1,672 $2,360 $1,391 $2,762 $1,964
FL National Average
All Coverage BeforeCarlay $2,805 $2,490
All Coverage AfterCarlay $1,958 $1,672
Minimum Coverage BeforeCarlay $2,489 $2,360
Minimum Coverage AfterCarlay $1,594 $1,391
Full Coverage BeforeCarlay $2,827 $2,762
Full Coverage AfterCarlay $2,141 $1,964

Top auto insurance providers in Florida

Top auto insurance companies serving Florida residents include Geico, Travelers, and State Farm. Many Floridians opt for these providers because of their quality service, accessibility, and affordable rates.

Each insurance company uses a unique formula to set premiums. This means that you could receive very different quotes for the same coverage, even when comparing companies in Florida. In addition, providers use a series of criteria to determine your insurance premiums, including your age, driving history, marital status, and location.

You can save on your auto insurance by choosing a less expensive vehicle. For instance, Toyota Corollas will have a lower insurance rate with a lower base price. On the other hand, luxury vehicles, like the Mercedes-Benz S Class, will have a higher insurance premium due to their higher base prices.

Carlay helps Florida drivers find discounts for car insurance—no matter their backgrounds. Here are some of the top Carlay insurance deals for Florida residents:

Insurance Company Average Cost Annual Savings withCarlay
Dairyland $4,122 $1,229 Compare Prices
Safeco $3,763 $1,215 Compare Prices
National General $3,909 $1,186 Compare Prices
Allstate $4,141 $1,098 Compare Prices
Kemper $2,582 $941 Compare Prices
Nationwide $2,457 $844 Compare Prices
Travelers $2,899 $833 Compare Prices
State Auto $2,813 $565 Compare Prices

What Car Insurance Do You Need in Florida?

Florida requires all drivers to have minimum liability insurance before they hit the road. The required coverage includes:

Failing to have the required insurance could result in penalties, such as:

  • License suspension of up to 3 years for a first offense
  • $150 reinstatement fee

Your car insurance should include more than just basic liability coverage. For example, you may want to add comprehensive and collision coverage in case you damage your car or cause damage to another vehicle.

Coverage Description
Collision insurance Covers damages caused by a collision with another vehicle or a stationary object.
Comprehensive insurance Covers damages caused by anything other than a collision, such as vandalism, theft, or a natural disaster.
Roadside assistance Covers repairs if your car breaks down

Carlay will help you find the right insurance policy every time so that you won't be overpaying. Carlay enables you to compare quotes from the best insurance companies, so you can buy a car insurance policy that fits your budget. They'll also help cancel your old car insurance policy.

With Carlay, you can buy a policy that covers your lost or damaged cell phone and automatically sends you quotes for your annual renewal. This way, you will always pay a fair price for the protection you need.

Now that you are more aware of the types of insurance policies available to Florida, you can take steps to make sure your family is protected.

How is Your Cost of Car Insurance Determined in Florida?

When you apply for car insurance, the provider will consider your age, driving history, and where you live.

Young drivers are often considered high-risk because of their lack of experience. As a result, many companies offer discounts to young drivers who take state-approved defensive driving courses. Additionally, drivers under 25 who maintain good grades may be eligible for a good student discount.

While it's true that young drivers could pay higher premiums than older drivers, they may still receive substantial discounts if they are shopping around, maintaining a clean driving record, and applying for insurance while they are still students.

Carlay helps young drivers understand their options for auto insurance. Here are the average premiums for drivers of different ages:

Age Group Average Cost Annual Savings withCarlay
18-20 $3,067 $845
21-24 $3,046 $911
25-34 $2,887 $897
35-44 $2,787 $939
45-54 $2,637 $872
55-64 $2,633 $875
65+ $2,759 $863
  • Cost to insure your car in Florida with a poor driving record

Driving offenses are factors insurance companies consider when setting your future Florida car insurance rate. If you've been in an accident, gotten a speeding ticket, or had a DUI or other primary driving offense, you likely will pay more for your Florida car insurance rates.

That said, you can still find ways to save! Carlay compares car insurance rates on the market and helps drivers with a less-than-perfect driving history find the best prices for their needs. These are some of Carlay's best rates for drivers with poor records:

Driving Violation Average Cost Annual Savings withCarlay
Clean Record $3,257 $947
Eluding Police $6,093 $2,010
Suspension $3,545 $1,813
Failure to Obey Traffic Sign $5,212 $1,650
Defective Equipment $4,637 $1,610
Speeding over 15 $4,857 $1,502
Leaving scene of an Accident/Hit and Run $4,452 $1,428
DUI $4,226 $1,396
Driving on Sus. License $4,193 $1,345
Careless Driving $4,290 $1,334
  • Cost to insure your car in Florida based on where you live

Florida's insurance rates are higher than the national average, but the rates vary depending on your zip code.

While high rates can be seen in the metropolitan areas of Miami, Jacksonville, and St. Petersburg, drivers in smaller cities like Lakeland or Naples may pay a reasonable amount less for their car insurance.

Here's a list of some of the best deals we've found for Carlay customers in Florida:

City Average Cost Annual Savings withCarlay
Bradenton $2,752 $929
Cape Coral $2,653 $735
Kissimmee $2,595 $774
Lakeland $2,590 $708
Naples $2,964 $873
Ocala $2,572 $917
Palm Bay $2,807 $886
Tallahassee $2,889 $1,339
West Palm Beach $3,336 $1,089
Winter Park $3,082 $1,020
  • Cost to insure your car in Florida based on the type of car you drive

When choosing a car, think about the insurance rates that could apply to the vehicle. Although you can't choose a cheaper car to lower insurance costs, a more expensive car may cost more to insure.

The Toyota Camry is a favorite for Florida residents. With its low initial cost, high marks for safety and reliability, and reasonable rates for repairs and insurance, the Camry makes for an affordable choice. However, if you choose a flashy set of wheels like a Land Rover Range Rover, you could see that reflected in your auto insurance premiums.

It costs to insure certain vehicles in Florida with and without Carlay.

How to Save Money On Car Insurance in Florida?

If you drive in Florida, here are some ways to save money on car insurance.

  • Shop around for quotes

The best way to save money on car insurance is to shop around for quotes. Because insurance rates vary by company, you may be able to find a cheaper rate. So shop around for several quotes from a few different companies and compare them all before deciding. And this process can get more accessible with the help of a super app Carlay.

Carlay makes finding a new car insurance policy easy. In less than a minute, you'll be able to compare quotes from over 50 top insurance providers and select the best one for your needs. Carlay will guide you through the entire process, from getting the quote to filling out the paperwork and canceling your old policy so that you can save time and money. And when it comes time to renew your policy, Carlay will send you brand-new quotes from all of the top insurers to always get the best rate available.

  • Look for discounts

Car insurance companies want to do business with safe drivers. So if you're a good driver (don't speed or run red lights, for example), there are likely discounts available that can save you some cash. To check, look up your state's department of motor vehicles (DMV) and request a copy of your driving record.

Here are some discounts you can use in Florida:

Discount Who is eligible?
Good driver discounts In Florida, the state government requires car insurance companies to offer a discount to drivers who have never filed a claim or had an accident. This discount can save you more than 30% on your premium.
Bundling discounts When you have an auto, renters, and home policy with the same company, you'll get a discount—savings of up to 18%.
Defensive driver discounts If you take a state-approved defensive driving course, you may get a discount on your car insurance.
Anti-theft devices If you install anti-theft or safety devices on your car, your insurance company may give you a discount for doing so.
Good student discounts Young drivers can save up to 25% on their car insurance by maintaining grades of B or higher and being enrolled in high school or college full-time.
Telematics Several companies offer discounts to drivers who sign up for a telematics program to monitor driving behavior and reward good habits. Some companies will give a discount for signing up, too.

Many Florida insurance companies use employment, marital, and homeownership information when calculating your rates. They may give you a discount if you have a certain employment affiliation, are a homeowner, or are married.

  • Increase your deductible

When you're comparing car insurance quotes, keep an eye on your deductible. The deductible is how much money you have to spend out of pocket before your insurance kicks in. The higher it is, the less expensive your monthly premium will be. But don't get too reckless with that number, or you might find yourself paying more for a car accident than you can actually afford to pay!

Registering Your Car in Florida

To register your car in Colorado, you'll need to have the following documentation:

  • A driver's license or ID card
  • A car title or signed lease agreement
  • Proof of insurance

Making an appointment at the DMV can help avoid long wait times when registering your vehicle.

Florida drivers must renew their vehicle registrations annually.