Get Cheap Car Insurance In Florida 2024 – Forbes Advisor – Technologist

 

The Cheapest Car Insurance Companies in Florida for Good Drivers

Cheap Car Insurance for 20-Year-Olds in Florida

Young drivers in Florida can face very high insurance costs, especially if you’re not on a parent’s car insurance policy. In Florida, these insurers had the cheapest car insurance according to our evaluation.

Cheapest Full Coverage Car Insurance for 20-Year-Olds in Florida

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

1. Travelers: $332 a month
2. State Farm: $396 a month
3. United Automobile Insurance: $420 a month
4. Progressive: $447 a month
5. Geico: $501 a month

Cheapest Minimum Coverage for 20-Year-Olds in Florida

If you’re looking for only the minimum auto insurance in Florida, check quotes from these companies.

1. Travelers: $113 a month
2. State Farm: $143 a month
3. Geico: $153 a month
4. AIG: $186 a month
5. Allstate: $203 a month

Cheapest Auto Insurance for 20-Year-Olds in Florida With Poor Credit

Poor credit can cause a steep increase in auto insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest costs in our analysis.

1. United Automobile Insurance: $420 a month
2. Travelers: $619 a month
3. Direct General: $622 a month
4. AIG: $697 a month
5. Progressive: $704 a month

Cheapest Auto Insurance for 20-Year-Olds in Florida With a Speeding Ticket

Be prepared for a rate increase at renewal time if you have received a speeding ticket. In our analysis, these companies have the cheapest car insurance in Florida for drivers with a speeding ticket.

1. Travelers: $413 a month
2. State Farm: $430 a month
3. Progressive: $541 a month
4. United Automobile Insurance: $555 a month
5. Mercury: $604 a month

Cheapest Car Insurance in Florida for 20-Year-Olds With an At-Fault Accident

Below are the cheapest insurers we found for Florida drivers who caused an accident that injured someone else.

1. Travelers: $453 a month
2. State Farm: $467 a month
3. Geico: $515 a month
4. United Automobile Insurance: $559 a month
5. Progressive: $561 a month

Cheapest Auto Insurance for 20-Year-Olds in Florida After a DUI

Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in Florida who have a DUI conviction.

1. State Farm: $430 a month
2. Travelers: $490 a month
3. Progressive: $496 a month
4. Direct General: $619 a month
5. Mercury: $668 a month

Cheap Car Insurance for 30-Year-Olds in Florida

Drivers age 30 in Florida can find steep insurance quotes depending on their driving record. Here’s a look at the cheapest companies for a variety of common driving records.

Cheapest Full Coverage Car Insurance for 30-Year-Olds in Florida

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

1. Travelers: $208 a month
2. State Farm: $229 a month
3. Geico: $237 a month
4. Progressive: $282 a month
5. United Automobile Insurance: $291 a month

Cheapest Minimum Coverage for 30-Year-Olds in Florida

If you’re looking for only the required auto insurance in Florida, check quotes from these companies.

1. Travelers: $70 a month
2. Geico: $71 a month
3. State Farm: $82 a month
4. AIG: $116 a month
5. Security National: $127 a month

Cheapest Auto Insurance for 30-Year-Olds in Florida With Poor Credit

Poor credit can cause a large increase in car insurance rates compared to the same driver with good credit. We found these companies to have the cheapest rates in our analysis.

1. United Automobile Insurance: $291 a month
2. Direct General: $421 a month
3. Travelers: $427 a month
4. Geico: $441 a month
5. AIG: $450 a month

Cheapest Auto Insurance for 30-Year-Olds in Florida With a Speeding Ticket

Expect a rate increase at renewal time if you have received a speeding ticket. In our analysis, these companies have the cheapest car insurance in Florida for drivers with a speeding ticket.

1. State Farm: $247 a month
2. Travelers: $259 a month
3. Progressive: $361 a month
4. Mercury: $373 a month
5. United Automobile Insurance: $379 a month

Cheapest Car Insurance in Florida for 30-Year-Olds With an At-Fault Accident

Below are the cheapest options we found for Florida drivers who caused an accident that injured someone else.

1. State Farm: $266 a month
2. Travelers: $281 a month
3. Geico: $320 a month
4. United Automobile Insurance: $381 a month
5. Progressive: $408 a month

Cheapest Auto Insurance for 30-Year-Olds in Florida After a DUI

Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in Florida who have a DUI conviction.

1. State Farm: $247 a month
2. Travelers: $303 a month
3. Progressive: $316 a month
4. Geico: $408 a month
5. Direct General: $417 a month

Cheap Car Insurance for 40-Year-Olds in Florida

Florida drivers age 40 can typically save significant money by comparing quotes from multiple insurers. We looked at which insurers offer the best rates in Florida, depending on your driving record.

Cheapest Full Coverage Car Insurance for 40-Year-Olds in Florida

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

1. Travelers: $191 a month
2. Geico: $216 a month
3. State Farm: $224 a month
4. Progressive: $273 a month
5. United Automobile Insurance: $279 a month

Cheapest Minimum Coverage for 40-Year-Olds in Florida

If you’re looking for only the required auto insurance in Florida, check rates from these companies.

1. Geico: $64 a month
2. Travelers: $66 a month
3. State Farm: $81 a month
4. AIG: $111 a month
5. Security National: $123 a month

Cheapest Auto Insurance for 40-Year-Olds in Florida With Poor Credit

Poor credit can cause a large increase in auto insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest costs in our analysis.

1. United Automobile Insurance: $279 a month
2. Direct General: $384 a month
3. Geico: $396 a month
4. Travelers: $399 a month
5. AIG: $427 a month

Cheapest Auto Insurance for 40-Year-Olds in Florida With a Speeding Ticket

Brace yourself for a rate increase at renewal time if you have received a speeding ticket. In our analysis these companies have the cheapest car insurance in Florida for drivers with a speeding ticket.

1. State Farm: $241 a month
2. Travelers: $252 a month
3. Progressive: $350 a month
4. Mercury: $362 a month
5. United Automobile Insurance: $363 a month

Cheapest Car Insurance in Florida for 40-Year-Olds With an At-Fault Accident

Below are the cheapest companies we found for Florida drivers who caused an accident that injured someone else.

1. State Farm: $260 a month
2. Travelers: $274 a month
3. Geico: $311 a month
4. United Automobile Insurance: $365 a month
5. Progressive: $396 a month

Cheapest Auto Insurance for 40-Year-Olds in Florida After a DUI

Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest rates for drivers in Florida who have a DUI conviction.

1. State Farm: $241 a month
2. Travelers: $296 a month
3. Progressive: $305 a month
4. Direct General: $383 a month
5. Geico: $387 a month

Cheap Car Insurance for 50-Year-Olds in Florida

Florida drivers in their 50s are enjoying the lowest rates they’ll get based on age. But a bad driving record can make cheap car insurance harder to find.

Cheapest Full Coverage Car Insurance for 50-Year-Olds in Florida

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

1. Travelers: $185 a month
2. Geico: $207 a month
3. State Farm: $217 a month
4. Progressive: $247 a month
5. Mercury: $256 a month

Cheapest Minimum Coverage for 50-Year-Olds in Florida

If you’re looking for only the minimum auto insurance in Florida, check rates from these companies.

1. Geico: $59 a month
2. Travelers: $63 a month
3. State Farm: $78 a month
4. AIG: $114 a month
5. Security National: $119 a month

Cheapest Auto Insurance for 50-Year-Olds in Florida With Poor Credit

Poor credit can cause a large increase in auto insurance rates compared to the same driver with good credit. We found these companies to have the cheapest rates in our analysis.

1. United Automobile Insurance: $263 a month
2. Direct General: $366 a month
3. Geico: $379 a month
4. Travelers: $383 a month
5. Progressive: $396 a month

Cheapest Auto Insurance for 50-Year-Olds in Florida With a Speeding Ticket

Be prepared for a rate increase at renewal time if you have gotten a speeding ticket. In our analysis, these companies have the cheapest car insurance in Florida for drivers with a speeding ticket.

1. State Farm: $233 a month
2. Travelers: $245 a month
3. Progressive: $323 a month
4. Mercury: $336 a month
5. United Automobile Insurance: $341 a month

Cheapest Car Insurance in Florida for 50-Year-Olds With an At-Fault Accident

Below are the cheapest companies we found for Florida drivers who caused an accident that injured someone else.

1. State Farm: $251 a month
2. Travelers: $266 a month
3. Geico: $298 a month
4. United Automobile Insurance: $343 a month
5. Progressive: $372 a month

Cheapest Auto Insurance for 50-Year-Olds in Florida After a DUI

Shopping around for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest rates for drivers in Florida who have a DUI conviction.

1. State Farm: $233 a month
2. Progressive: $277 a month
3. Travelers: $287 a month
4. Direct General: $361 a month
5. Geico: $370 a month

Cheap Car Insurance for 60-Year-Olds in Florida

Car insurance quotes often begin to increase around age 65, even if you have a good driving record. We found the cheapest companies for Florida drivers at age 60.

Cheapest Full Coverage Car Insurance for 60-Year-Olds in Florida

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

1. Travelers: $170 a month
2. Geico: $194 a month
3. State Farm: $207 a month
4. Progressive: $232 a month
5. Mercury: $233 a month

Cheapest Minimum Coverage for 60-Year-Olds in Florida

If you’re looking for only the minimum auto insurance in Florida, check quotes from these companies.

1. Geico: $54 a month
2. Travelers: $57 a month
3. State Farm: $75 a month
4. AIG: $102 a month
5. Security National: $112 a month

Cheapest Auto Insurance for 60-Year-Olds in Florida With Poor Credit

Poor credit can cause a significant increase in auto insurance rates compared to the same driver with good credit. We found these companies to have the cheapest costs in our analysis.

1. United Automobile Insurance: $245 a month
2. Direct General: $346 a month
3. Travelers: $351 a month
4. Geico: $357 a month
5. Progressive: $366 a month

Cheapest Auto Insurance for 60-Year-Olds in Florida With a Speeding Ticket

Be prepared for a rate increase at renewal time if you have received a speeding ticket. In our analysis these companies have the cheapest car insurance in Florida for drivers with a speeding ticket.

1. State Farm: $223 a month
2. Travelers: $236 a month
3. Progressive: $307 a month
4. Mercury: $312 a month
5. United Automobile Insurance: $317 a month

Cheapest Car Insurance in Florida for 60-Year-Olds With an At-Fault Accident

Below are the cheapest insurers we found for Florida drivers who caused an accident that injured someone else.

1. State Farm: $240 a month
2. Travelers: $257 a month
3. Geico: $282 a month
4. United Automobile Insurance: $318 a month
5. Progressive: $355 a month

Cheapest Auto Insurance for 60-Year-Olds in Florida After a DUI

Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest rates for drivers in Florida who have a DUI conviction.

1. State Farm: $223 a month
2. Progressive: $260 a month
3. Travelers: $277 a month
4. Direct General: $343 a month
5. Geico: $353 a month

Cheap Car Insurance for 70-Year-Olds in Florida

Florida drivers age 70 are getting higher rates due to age. But relatively cheap car insurance can still be found by comparing rates from a few companies.

Cheapest Full Coverage Car Insurance for 70-Year-Olds in Florida

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

1. Travelers: $184 a month
2. Geico: $194 a month
3. State Farm: $213 a month
4. United Automobile Insurance: $241 a month
5. Progressive: $242 a month

Cheapest Minimum Coverage for 70-Year-Olds in Florida

If you’re looking for only the required auto insurance in Florida, check quotes from these companies.

1. Geico: $57 a month
2. Travelers: $63 a month
3. State Farm: $77 a month
4. AIG: $112 a month
5. Direct General: $115 a month

Cheapest Auto Insurance for 70-Year-Olds in Florida With Poor Credit

Poor credit can cause a significant increase in auto insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest costs in our analysis.

1. United Automobile Insurance: $241 a month
2. Direct General: $362 a month
3. Geico: $362 a month
4. Progressive: $377 a month
5. Travelers: $380 a month

Cheapest Auto Insurance for 70-Year-Olds in Florida With a Speeding Ticket

Expect a rate increase at renewal time if you have received a speeding ticket. In our analysis, these companies have the cheapest car insurance in Florida for drivers with a speeding ticket.

1. State Farm: $229 a month
2. Travelers: $261 a month
3. United Automobile Insurance: $310 a month
4. Progressive: $322 a month
5. Mercury: $350 a month

Cheapest Car Insurance in Florida for 70-Year-Olds With an At-Fault Accident

Below are the cheapest options we found for Florida drivers who caused an accident that injured someone else.

1. State Farm: $247 a month
2. Travelers: $285 a month
3. Geico: $291 a month
4. United Automobile Insurance: $312 a month
5. Progressive: $372 a month

Cheapest Auto Insurance for 70-Year-Olds in Florida After a DUI

Shopping around for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest rates for drivers in Florida who have a DUI conviction.

1. State Farm: $229 a month
2. Progressive: $275 a month
3. Travelers: $308 a month
4. Direct General: $360 a month
5. Geico: $371 a month

Cheapest Car Insurance In Jacksonville, Florida

Cheapest Car Insurance In Miami, Florida

Cheapest Car Insurance In Tampa, Florida

Buy Cheap Car Insurance in Florida

When it comes to finding cheap car insurance in Florida, a few tips can make a lot of difference. The best car insurance options for you will combine a good price with the coverage features you want.

Check Quotes from Multiple Car Insurance Companies

Car insurance quotes can vary significantly among insurers in Florida. That means getting quotes from several companies is key to finding cheap car insurance in Florida.

Consider Switching Companies When Your Driving Record Changes

When your driving record changes, you might find that your Florida car insurance company no longer has low-cost insurance for you. If you’ve gotten a ticket or caused a car accident, you may want to switch car insurance companies to lower your car insurance bill.

Regularly Review Your Car Insurance Coverage

It’s wise to review your Florida auto insurance policy to make sure your coverage details still match your needs. Review the coverage types, the limits for each coverage type and your deductibles. You may want to cut extras such as roadside assistance assistance coverage.

Rethink Your Deductible

By increasing your car insurance deductible you can lower your cost for collision and comprehensive coverage. You’ll pay more toward vehicle repairs if you make a claim, but overall you could still save money over time. And if your vehicle isn’t worth much, you may want to drop collision and comprehensive insurance completely.

Keep an Eye on Car Insurance Discounts

Reviewing possible car insurance discounts with your insurance company could result in some savings. While many discounts are subtracted from your policy automatically, it can be wise to ask about additional possible savings that your insurer may not know you qualify for. For example, if you are driving fewer annual miles because you work from home or are retired, you may be able to get a lower car insurance rate.

Capture Savings by Bundling

You can typically get good savings by bundling auto insurance with home insurance, condo or renters insurance, our analysis found that the average price break for bundling is 14%.

Optimize Your Insurance Payment Strategy

Your auto insurance payment approach can lead to further discounts. These discounts are usually small, but they are easy to get. Paying your entire car insurance premium upfront typically garners a price cut, for example. If you’re paying monthly, your insurer may offer a discount for electronic payment transfers.

No matter how you pay, going paperless could be another discount.

Methodology

Except where otherwise noted, average rates are based on a female driver insuring a new RAV4 with coverage of 100/300/100 ($100,000 of liability insurance for injuries to one person; $300,000 of liability insurance for injuries in one accident; $100,000 for property damage liability), uninsured motorist coverage, collision and comprehensive insurance with a $500 deductible, and any other insurance required in the state. Average rates for cities are based on a 40-year-old female good driver with the above coverage. Source: Quadrant Information Services.