Cheap Florida Car Insurance Quotes

With rates on the rise in the Sunshine State, many drivers are looking for cheap Florida car insurance quotes. While auto insurance is becoming less affordable, there are still deals you can take advantage of. Here are some solid tips that will help you get cheap auto insurance in Florida. 

10 Ways to Get Cheap Car Insurance Quotes in Florida

1. Shop Around – Always get quotes from multiple insurers. Rates vary significantly so it pays to compare.
2. Ask for Discounts – Make sure to inquire about all available car insurance discounts you may qualify for like. This includes good driver, senior, and teacher discounts. Also, check out less common discounts you might not know about. Less common discounts like affinity groups, hybrid vehicles, anti-theft devices, and New Vehicle Replacement can lead to some savings too.
3. Increase Your Deductibles – Choosing higher deductibles means lower rates in exchange for more out-of-pocket costs in the event of a claim. If you raise your deductible to $1,000, you can often save 10% or more.
4. Improve Your Credit Score – A good credit history can mean big savings on your car insurance premiums
5. Bundle Your Insurance – Bundle your car with your homeowners or renters insurance for a multi-policy discount.
6. Maintain Continuous Coverage – Avoid gaps in coverage to qualify for the continuous coverage discount.
7. Consider Usage-Based Insurance – Usage-based plan prices are based partly on how and how much you drive and can result in significant savings for some drivers.  
8. Enroll in Telematics – Getting vehicle telematics through a program like State Farm’s Drive Safe & SaveTM can help identify good driving habits that save you money.
9. Eliminate Unnecessary Coverage – Removing little-used options like towing or rental reimbursement can trim fat off your premium.
10. Pay Annually – Pay for your policy all at once and save 2% or more rather than in monthly installment payments. 

What Insurer Has The Cheapest Auto Insurance Quotes in Florida 

If you are looking for cheap car insurance quotes in Florida, you should compare at least ten quotes from regional and also national providers. You should also have a general idea of the insurer that has the lowest average rates in Florida. Here are a few quotes you can check out, based on a 32-year-old married Florida man, driving a 2014 Honda CRV.   

Geico

• Annual Premium: $1,859 
• Deductible: $500/$500
• Coverages Included:
  • Bodily injury liability $25,000/$50,000
  • Property damage liability $25,000 
  • Personal injury protection $10,000
  • Uninsured motorist bodily injury $25,000/$50,000
  • Collision coverage with a $500 deductible
  • Comprehensive coverage with a $500 deductible  

Progressive  

• Annual Premium: $2,150
• Deductible: $500/$500 
• Coverages Included:
  • Bodily injury liability $50,000/$100,000
  • Property damage liability $50,000
  • Personal injury protection $10,000 
  • Uninsured motorist bodily injury $50,000/$100,000
  • Collision coverage $500 deductible
  • Comprehensive coverage $500 deductible

State Farm 

• Annual Premium: $2,323
• Deductible: $500/$500
• Coverages Included:  
  • Bodily injury liability $50,000/$100,000
  • Property damage liability $50,000
  • Personal injury protection $10,000
  • Uninsured motorist bodily injury $50,000/$100,000 
  • Collision coverage $500 deductible  
  • Comprehensive coverage $500 deductible
  • Other options and endorsements  

Allstate

• Annual Premium: $2,760
• Deductible: $500/$500
• Coverages Included:
  • Bodily injury liability $100,000/$300,000 
  • Property damage liability $50,000
  • Personal injury protection $10,000
  • Uninsured motorist bodily injury $$100,000/$300,000
  • Collision coverage $500 deductible  
  • Comprehensive coverage $500 deductible

USAA

• Annual Premium: $1,623
• Deductible: $500/$500
• Coverages Included:  
  • Bodily injury liability $100,000/$300,000
  • Property damage liability $50,000 
  • Personal injury protection $10,000
  • Uninsured motorist bodily injury $100,000/$300,000
  • Collision coverage $500 deductible
  • Comprehensive coverage $500 deductible 

As you can see, Florida car insurance quotes vary quite a lot between different insurers. This is again another reason why it’s so important for you to compare multiple quotes. USAA has the lowest rate, coming in at $1,623 per year and the highest rate quote is from Allstate at $2,760 annually. It’s important to note that you need to be a military member, a veteran, or a family member of one to qualify for USAA car insurance. 

10 Popular Car Insurance Companies in Florida

While every driver’s needs and rates will be different, here are 10 of the most popular car insurance providers offering coverage to Florida drivers:   

1. State Farm – The #1 auto insurer nationally, State Farm has over 15% market share in Florida. Known for local agents and many discounts.
2. Progressive – Major national company with competitive rates and lots of online quoted and claims service conveniences.  
3. Geico – Geico is one of the fastest-growing Florida auto insurers with low-cost quotes and a strong financial rating.
4. Allstate – Allstate is among the top 5 biggest auto insurers in Florida with broad coverage offerings and many policy perks.
5. USAA – USAA provides excellent rates and service for military members and families with Florida policies.   
6. Travelers – Travelers insurance offers great coverage and discounts to Florida customers as the #1 home insurer in the state.  
7. Liberty Mutual – Big national carrier with customized Florida policies as well as valuable add-ons like roadside assistance.
8. Safeway Insurance – Safeway is a large Florida-based insurer with innovative offerings like pay-per-mile plans.
9. Infinity Auto Insurance – Great for Florida non-standard drivers with budget coverage and low down payments.   
10. Direct General – Direct General features cheap minimum Florida liability limits for high-risk drivers along with flexible payment plans.

Buying Florida Car Insurance Online 

 Purchasing a Florida auto insurance policy online at insurer websites or online insurance marketplaces offers some really nice perks. This includes:    

• Save Money – The best car insurance Florida is almost always found online with direct providers like Geico and Progressive. 
• Easier and Faster Quotes – Getting quotes from multiple companies is much simpler and quicker online.  
• Easier Policy Management – You can easily access insurance cards, pay your bill or adjust coverage 24/7.
• Comparison Shopping – Online insurance sites let you instantly view rates side-by-side from various carriers.
• Find Fast Discounts – Many insurers offer modest savings for purchasing online vs through an agent.
• Claims Ease – Starting a claim is very convenient online including submitting photos or data for accidents. 

So if you want cheaper Florida car insurance premiums, less hassle getting coverage or handling your policy, and more choice among leading insurers, purchasing online car insurance can be a smart choice. 

The Final Word on Affordable Auto Insurance Quotes in FL

As you can see, Florida drivers have lots of ways to uncover cheaper car insurance rates despite the state’s high overall premium costs. Getting quotes from multiple top Florida insurers is the best starting point to saving the most money. 

Make sure you’re taking advantage of all available discounts, coverage adjustments, and policy options you qualify for. This ensures the most savings off your annual premium while still keeping the solid protection Florida requires. Now it’s time to compare cheap Florida car insurance quotes where you live. Enter your zip code and fill out a free, no-obligation quote in about five minutes. Get cheaper Florida auto insurance today and save hundreds.