The Cheapest Car Insurance in Florida for 2022 – NerdWallet

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You ’ ll need cable car indemnity to confidently navigate Florida ’ mho highways, specially considering that an estimate 1 in every 5 drivers doesn ’ thyroxine have car indemnity, according to 2019 data from the Insurance Research Council. But finding bum car policy in the Sunshine State international relations and security network ’ metric ton always easy. The average price of broad coverage in Florida is the second highest in the nation, according to NerdWallet ’ mho analysis. The best way to get low-cost car policy is by comparing multiple car policy quotes from a diverseness of insurers, and we ’ ve already done the hard work of narrowing down the cheap companies for a variety show of ages and driving histories. Read on to see the cheapest car insurance in Florida by age and driving history, plus the state-mandated minimum requirements. If you ’ re looking for the best car coverage, check out our tilt of the best car policy in Florida. Why you can trust NerdWallet : Our writers and editors follow rigid column guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every venue in the area where coverage is offered and data is available. When comparing rates for unlike coverage amounts, ages and backgrounds, we change only one variable at a time, so you can well see how each factor affects price.

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Cheapest car insurance company overall in Florida
state farm $ 164/month

5.0 NerdWallet ‘s ratings are determined by our editorial team. The scoring formulas take into account multiple datum points for each fiscal product and service . NerdWallet rat

Cheapest for minimum coverage
Geico $ 60/month

4.5 NerdWallet ‘s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each fiscal intersection and service . NerdWallet evaluation

Cheapest for young drivers
submit grow $ 289/month

5.0 NerdWallet ‘s ratings are determined by our editorial team. The scoring formulas take into report multiple datum points for each fiscal merchandise and serve . NerdWallet military rank

Cheapest for drivers with poor credit rating
department of state farm $ 164/month

5.0 NerdWallet ‘s ratings are determined by our editorial team. The scoring formulas take into explanation multiple data points for each fiscal product and service . NerdWallet rate

If you ’ re looking for the cheapest car indemnity in your city, NerdWallet analyzed rates for some of the largest Florida cities, including :

How much is car insurance in Florida?

The average cost of full coverage car insurance in Florida is $ 2,780 per class, or about $ 232 per month, according to NerdWallet ’ randomness analysis. minimal coverage in Florida is $ 1,084 per year on average, but we found you can probably get a cheaper policy. For case, Geico offers the cheapest rates in Florida at $ 717 per year, on average, for minimal coverage cable car insurance for a 35-year-old driver with a clean drive record.

How we chose the cheapest companies in Florida

NerdWallet ’ s editorial team analyzed car insurance rates from six car insurers in Florida and found the five cheapest options for drivers in several age brackets and with different histories, all driving a 2019 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in Florida. For full moon coverage, we used the below coverage limits :

  • $ 100,000 bodily injury liability per person .
  • $ 300,000 bodily injury liability per accident .
  • $ 50,000 place wrong liability per accident .
  • $ 100,000 uninsured motorist coverage per person .
  • $ 300,000 uninsured motorist coverage per accident .
  • Collision coverage with a $ 1,000 deductible .
  • comprehensive examination coverage with a $ 1,000 deductible .

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a batch of quotes to find the best bum car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. hush, some companies routinely have better policy rates for young drivers, so it ‘s best to shop around to find them.

Cheapest full coverage car insurance in Florida for 20-year-olds

Drivers in Florida with clean repel records may want to consider the adopt companies, which had the lowest average rates :

  1. state farm : $ 3,471 per class, or about $ 289 per month .
  2. Geico : $ 3,927 per year, or about $ 327 per month .
  3. Allstate : $ 4,205 per year, or about $ 350 per month .
  4. MetLife : $ 5,416 per class, or about $ 451 per calendar month .
  5. direct Auto : $ 5,998 per class, or about $ 500 per month .

Cheapest minimum coverage car insurance in Florida for 20-year-olds

Drivers in Florida who want just the department of state minimum coverage may want to check with these companies, which had the lowest average rates :

  1. Geico : $ 1,274 per class, or about $ 106 per month .
  2. Allstate : $ 1,338 per year, or about $ 112 per calendar month .
  3. express grow : $ 1,490 per year, or about $ 124 per calendar month .
  4. conduct Auto : $ 2,233 per year, or about $ 186 per month .
  5. MetLife : $ 2,354 per year, or about $ 196 per calendar month .

Cheapest auto insurance in Florida for 20-year-olds with poor credit

Drivers with poor credit in Florida should look at the following insurers with the lowest average rates for minimal coverage :

  1. conduct Auto : $ 2,280 per class, or about $ 190 per calendar month .
  2. Allstate : $ 2,391 per year, or about $ 199 per calendar month .
  3. Geico : $ 2,482 per year, or about $ 207 per month .
  4. submit grow : $ 3,251 per class, or about $ 271 per calendar month .
  5. progressive : $ 4,005 per year, or about $ 334 per calendar month .

Cheapest auto insurance in Florida for 20-year-old drivers with one at-fault crash

For drivers with a late accident in Florida, here are the companies with the lowest average rates for minimum coverage :

  1. Geico : $ 1,435 per year, or about $ 120 per calendar month .
  2. country farm : $ 2,215 per class, or about $ 185 per month .
  3. Allstate : $ 2,224 per year, or about $ 185 per calendar month .
  4. conduct Auto : $ 2,690 per year, or about $ 224 per calendar month .
  5. MetLife : $ 3,306 per year, or about $ 276 per month .

Cheapest auto insurance in Florida for 20-year-old drivers after a DUI

The cheapest car insurance we found after a DUI is shown here, alongside the insurers ‘ average rates for minimal coverage .

  1. Geico : $ 1,661 per class, or about $ 138 per month .
  2. Allstate : $ 1,752 per class, or about $ 146 per calendar month .
  3. direct Auto : $ 2,455 per class, or about $ 205 per month .
  4. country grow : $ 2,694 per year, or about $ 224 per calendar month .
  5. progressive : $ 3,117 per class, or about $ 260 per month .

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Cheapest for 30-year-old drivers

By the fourth dimension they reach their 30s, most drivers will enjoy cheaper cable car indemnity rates than in their teens and 20s. still, factors like a person ’ randomness drive record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in Florida for 30-year-olds

Drivers in Florida with clean drive records may get the lowest rates from these companies :

  1. country farm : $ 1,993 per year, or about $ 166 per month .
  2. Geico : $ 2,206 per year, or about $ 184 per month .
  3. Allstate : $ 2,680 per year, or about $ 223 per calendar month .
  4. MetLife : $ 2,957 per year, or about $ 246 per calendar month .
  5. progressive : $ 3,436 per year, or about $ 286 per calendar month .

Cheapest minimum coverage car insurance in Florida for 30-year-olds

Drivers in Florida who want their state ‘s minimum coverage can check with the following companies, which had the lowest average rates :

  1. Geico : $ 766 per year, or about $ 64 per month .
  2. department of state farm : $ 800 per class, or about $ 67 per month .
  3. Allstate : $ 951 per class, or about $ 79 per calendar month .
  4. MetLife : $ 1,207 per year, or about $ 101 per month .
  5. conduct Auto : $ 1,338 per class, or about $ 112 per calendar month .

Cheapest auto insurance in Florida for 30-year-olds with poor credit

Drivers with hapless citation in Florida should consider the following companies with the lowest average rates for wide coverage :

  1. state farm : $ 3,499 per year, or about $ 292 per calendar month .
  2. direct Auto : $ 3,939 per class, or about $ 328 per month .
  3. Geico : $ 3,945 per year, or about $ 329 per month .
  4. Allstate : $ 4,942 per year, or about $ 412 per calendar month .
  5. progressive : $ 5,590 per year, or about $ 466 per calendar month .

Cheapest auto insurance in Florida for 30-year-old drivers with one at-fault crash

For drivers in Florida with a holocene accident, here are the lowest average rate options for wax coverage :

  1. express farm : $ 2,603 per year, or about $ 217 per month .
  2. Geico : $ 2,814 per year, or about $ 234 per month .
  3. Allstate : $ 4,084 per class, or about $ 340 per calendar month .
  4. MetLife : $ 4,571 per year, or about $ 381 per month .
  5. direct Auto : $ 5,041 per year, or about $ 420 per month .

Cheapest auto insurance in Florida for 30-year-old drivers after a DUI

For the cheapest car policy after a DUI, we found the follow options for full coverage .

  1. Geico : $ 2,943 per class, or about $ 245 per calendar month .
  2. express farm : $ 2,990 per year, or about $ 249 per month .
  3. Allstate : $ 3,418 per class, or about $ 285 per calendar month .
  4. progressive : $ 4,074 per year, or about $ 340 per month .
  5. direct Auto : $ 4,099 per year, or about $ 342 per month .

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better policy rates than their younger counterparts on average, but hush pay more than older long time groups. Shopping around for cheap car indemnity quotes with multiple insurers is the best way to find lower rates. good drivers who don ’ metric ton grow behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Florida for 40-year-olds

Drivers in Florida with clean drive records may want to think about the come companies, which had the lowest average rates :

  1. state farm : $ 1,956 per class, or about $ 163 per calendar month .
  2. Geico : $ 2,017 per class, or about $ 168 per month .
  3. Allstate : $ 2,677 per year, or about $ 223 per month .
  4. MetLife : $ 2,738 per year, or about $ 228 per calendar month.
  5. progressive : $ 3,378 per year, or about $ 282 per month .

Cheapest minimum coverage car insurance in Florida for 40-year-olds

Drivers in Florida who want merely the minimal coverage may want to check prices from these companies, which had the lowest average rates :

  1. Geico : $ 704 per year, or about $ 59 per calendar month .
  2. state of matter farm : $ 784 per class, or about $ 65 per month .
  3. Allstate : $ 949 per year, or about $ 79 per calendar month .
  4. MetLife : $ 1,129 per year, or about $ 94 per calendar month .
  5. direct Auto : $ 1,231 per class, or about $ 103 per month .

Cheapest auto insurance in Florida for 40-year-olds with poor credit

Drivers with inadequate credit in Florida can check out the following insurers with the lowest average rates for full coverage :

  1. country farm : $ 3,433 per year, or about $ 286 per month .
  2. calculate Auto : $ 3,533 per year, or about $ 294 per calendar month .
  3. Geico : $ 3,559 per year, or about $ 297 per calendar month .
  4. Allstate : $ 4,938 per class, or about $ 412 per month .
  5. MetLife : $ 5,327 per year, or about $ 444 per month .

Cheapest auto insurance in Florida for 40-year-old drivers with one at-fault crash

For drivers with a late accident living in Florida, hera are the companies with the lowest average rates for wide coverage :

  1. state farm : $ 2,553 per year, or about $ 213 per month .
  2. Geico : $ 2,636 per year, or about $ 220 per calendar month .
  3. Allstate : $ 4,082 per year, or about $ 340 per calendar month .
  4. MetLife : $ 4,273 per year, or about $ 356 per month .
  5. mastermind Auto : $ 4,498 per year, or about $ 375 per month .

Cheapest auto insurance in Florida for 40-year-old drivers after a DUI

The cheapest full coverage car policy we found for drivers with a DUI came from the following companies .

  1. Geico : $ 2,749 per year, or about $ 229 per month .
  2. state grow : $ 2,932 per class, or about $ 244 per month .
  3. Allstate : $ 3,416 per class, or about $ 285 per month .
  4. direct Auto : $ 3,659 per class, or about $ 305 per calendar month .
  5. progressive : $ 3,982 per year, or about $ 332 per month .

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other old age groups on average. Prices will continue to drop as they inch toward their 60s and gain more drive feel. Rates can inactive vary depending on other factors such as a driver ’ mho sex and localization, so it ’ sulfur smart to shop around to find the best rate. Our number of bum car policy companies is a good seat to start.

Cheapest full coverage car insurance in Florida for 50-year-olds

Drivers in Florida with clean drive records may want to get quotes from these insurers, which had the lowest average rates :

  1. express farm : $ 1,901 per year, or about $ 158 per calendar month .
  2. Geico : $ 1,957 per year, or about $ 163 per month .
  3. MetLife : $ 2,537 per year, or about $ 211 per calendar month .
  4. Allstate : $ 2,571 per class, or about $ 214 per month .
  5. progressive : $ 3,098 per year, or about $ 258 per month .

Cheapest minimum coverage car insurance in Florida for 50-year-olds

Drivers in Florida who opt for the state minimal coverage may want to consider the pursuit companies, with the lowest average rates :

  1. Geico : $ 674 per year, or about $ 56 per calendar month .
  2. country farm : $ 757 per year, or about $ 63 per month .
  3. Allstate : $ 906 per year, or about $ 76 per calendar month .
  4. MetLife : $ 1,039 per year, or about $ 87 per month .
  5. address Auto : $ 1,167 per year, or about $ 97 per month .

Cheapest auto insurance in Florida for 50-year-olds with poor credit

Drivers with inadequate credit in Florida can check with the following companies, which showed the lowest average rates for full coverage :

  1. state farm : $ 3,327 per year, or about $ 277 per month .
  2. lineal Auto : $ 3,413 per class, or about $ 284 per calendar month .
  3. Geico : $ 3,446 per year, or about $ 287 per calendar month .
  4. Allstate : $ 4,751 per year, or about $ 396 per month .
  5. MetLife : $ 4,953 per year, or about $ 413 per month .

Cheapest auto insurance in Florida for 50-year-old drivers with one at-fault crash

For drivers living in Florida with a holocene accident, here are the insurers with the lowest average broad coverage rates :

  1. state grow : $ 2,478 per year, or about $ 206 per month .
  2. Geico : $ 2,555 per year, or about $ 213 per calendar month .
  3. Allstate : $ 3,914 per year, or about $ 326 per calendar month .
  4. MetLife : $ 4,015 per year, or about $ 335 per calendar month .
  5. direct Auto : $ 4,396 per year, or about $ 366 per month .

Cheapest auto insurance in Florida for 50-year-old drivers after a DUI

The cheapest car insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for wax coverage .

  1. Geico : $ 2,661 per year, or about $ 222 per calendar month .
  2. state farm : $ 2,844 per year, or about $ 237 per month .
  3. Allstate : $ 3,278 per year, or about $ 273 per calendar month .
  4. direct Auto : $ 3,540 per class, or about $ 295 per calendar month .
  5. progressive : $ 3,653 per class, or about $ 304 per month .

See what you could save on car insurance

well compare personalized rates to see how much switch car insurance could save you.

ZIP Code

GET MY RATES Get started on Insure.com

Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car policy rates than many other age groups on average, prices will start increasing as they get older. To find cheap car indemnity for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should besides take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Florida for 60-year-olds

Drivers in Florida with clean drive records may want to think about getting quotes from these companies, which had the lowest average rates :

  1. department of state farm : $ 1,833 per year, or about $ 153 per calendar month .
  2. Geico : $ 1,873 per year, or about $ 156 per month .
  3. Allstate : $ 2,471 per class, or about $ 206 per month .
  4. MetLife : $ 2,552 per year, or about $ 213 per calendar month .
  5. progressive : $ 2,984 per year, or about $ 249 per month .

Cheapest minimum coverage car insurance in Florida for 60-year-olds

Drivers in Florida who want precisely the state of matter minimum coverage may want to check with these insurers, which had the lowest average rates :

  1. Geico : $ 640 per class, or about $ 53 per month .
  2. express farm : $ 729 per year, or about $ 61 per month .
  3. Allstate : $ 865 per class, or about $ 72 per month .
  4. MetLife : $ 1,036 per class, or about $ 86 per month .
  5. mastermind Auto : $ 1,138 per year, or about $ 95 per calendar month .

Cheapest auto insurance in Florida for 60-year-olds with poor credit

Drivers with poor people accredit in Florida can look at the following companies with the lowest average rates for full moon coverage :

  1. state grow : $ 3,191 per year, or about $ 266 per calendar month .
  2. Geico : $ 3,298 per year, or about $ 275 per month .
  3. direct Auto : $ 3,358 per year, or about $ 280 per calendar month .
  4. Allstate : $ 4,544 per year, or about $ 379 per month .
  5. progressive : $ 4,827 per class, or about $ 402 per month .

Cheapest auto insurance in Florida for 60-year-old drivers with one at-fault crash

For drivers with a holocene accident living in Florida, here are the companies with the lowest average rates for fully coverage :

  1. state grow : $ 2,383 per year, or about $ 199 per calendar month .
  2. Geico : $ 2,454 per class, or about $ 204 per month .
  3. Allstate : $ 3,765 per year, or about $ 314 per calendar month .
  4. MetLife : $ 4,018 per class, or about $ 335 per month .
  5. lineal Auto : $ 4,325 per year, or about $ 360 per month .

Cheapest auto insurance in Florida for 60-year-old drivers after a DUI

The cheapest car indemnity we found after a DUI came from the following companies, shown with their average rates for wide coverage .

  1. Geico : $ 2,549 per year, or about $ 212 per month .
  2. country farm : $ 2,731 per class, or about $ 228 per month .
  3. Allstate : $ 3,159 per year, or about $ 263 per calendar month .
  4. directly Auto : $ 3,483 per year, or about $ 290 per calendar month .
  5. progressive : $ 3,530 per class, or about $ 294 per month .

Minimum car insurance requirements in Florida

Floridians must carry property damage indebtedness and personal injury protection ( PIP ) in the follow amounts :

  • $ 10,000 property damage indebtedness per accident .
  • $ 10,000 personal injury protection .

In font you ’ re at fault in a crash, the Florida Financial Responsibility Law besides requires you to be able to pay up to :

  • $ 10,000 in bodily injury indebtedness per person .
  • $ 20,000 in bodily injury liability per accident .

liability car policy covers the monetary value of any damage, injuries or deaths you cause in a car accident, up to your policy ’ sulfur predefined limits. personal injury protection will cover your checkup bills and expenses if you ’ re injured in a car crash, up to your policy limits, no count whose fault it was. Depending on your state, PIP may besides pay for :

  • Lost wages if you ’ re ineffective to work due to injuries from an accident .
  • Services you can nobelium longer perform, like house clean or child wish, because of your injuries .
  • funeral costs if an accident-related injury leads to death .
  • A small death benefit as a cash payout .

Experts recommend buying more than the bare minimal when it comes to all parts of your car liability policy. You might want add auspices from optional coverages such as collision, comprehensive examination and uninsured motorist insurance. Check out NerdWallet ’ s guide to car insurance requirements by state for more details on coverage you might want on your Florida car policy.

SR-22, FR-44 and alternative auto insurance in Florida

Drivers convicted of certain offenses may be required to get an SR-22 filed by their insurance company with the state of Florida. There ’ south no such thing as “ SR-22 indemnity ” ; rather, an SR-22 is a class certifying you have current car indemnity coverage in complaisance with Florida police. An SR-22 might be required if you :

  • Got in an accident without insurance .
  • Had your license suspended due to besides many points or another reason .
  • Have severe and holocene traffic violations on record .

And if you get caught driving while intoxicated or under the influence of drugs in Florida, another form, an FR-44, may be required alternatively. Again, “ FR-44 insurance ” international relations and security network ’ t actually a type of indemnity. Rather, an car insurance company must file an FR-44 certificate on behalf of person convicted of a DUI or alike offenses. Compared with an SR-22, an FR-44 comes with extra liability indemnity requirements. alternatively of the relatively low liability limits listed above, you ’ d need at least :

  • $ 100,000 for injury to or death of one person .
  • $ 300,000 for injury to or death of two or more people .
  • $ 50,000 for property wrong liability .

Sunshine State drivers who ’ ve been denied car indemnity because of a spotty driving history or other factors can apply for coverage through the Florida Automobile Joint Underwriting Association. For more serve finding cheap cable car policy in Florida, try NerdWallet ’ south cable car indemnity comparison tool.

No-fault insurance in Florida

Florida is one of respective states that has a no-fault car insurance arrangement, but it ’ mho one of only two that doesn ’ triiodothyronine require any bodily injury indebtedness coverage. In most states, drivers who are injured in a car accident caused by person else will seek reimbursement from the at-fault motorist ’ s insurance caller. The claim and payout come from that person ’ s bodily wound liability coverage. Under Florida ’ s no-fault legislative act, all parties involved in a doss inaugural make injury claims to their own PIP coverage and payouts are capped at 80 % of the bills. ( More on that under ). If injuries from the accident are considered “ good ” under Florida police, the at-fault driver ’ s bodily injury liability pays for extra costs. serious injuries include at least one of the following :

  • significant disfigurement .
  • Bone fracture .
  • permanent limitation of a soundbox harmonium or extremity .
  • significant limitation of a body function or organization .
  • substantially full disability for 90 days .

Injuries that meet this definition are grounds for a lawsuit in Florida. Drivers with bodily injury coverage can use it to pay for legal fees a well as the hurt person ’ s aesculapian costs, but anyone with alone the minimum compulsory coverage — that is, no bodily wound coverage — would have to pay out-of-pocket if they were at fault. To complicate things further, drivers can besides be partially at defect for a crash. Florida has a “ comparative fault ” legislative act, meaning that two drivers can share province for an incident. In a lawsuit, a jury could assign 30 % of the responsibility to the injured driver, who would then be entitled to only 70 % of the sum damages from the other driver. insurance companies don ’ thyroxine good absorb those costs. As in many states that require personal injury protection coverage, drivers in Florida tend to pay more for car insurance, on average, compared with those in non-PIP states.

How PIP works in Florida

Drivers in Florida are required to carry at least $ 10,000 of PIP, which is besides called Florida no-fault policy. In addition to medical bills, no-fault policy in Florida can besides pay :

  • Lost wages if crash-related injuries force you to miss sour .
  • The cost of hiring in-home wish if you need help due to injuries .
  • The price of equipment you need while recovering, such as a wheelchair.

    Read more: Xplay, Barrie

  • funeral costs .

PIP fraud can be common in no-fault states, including Florida, where staged accidents and unscrupulous medical providers can drive up the monetary value of indemnity, specifically PIP. Because of this, a no-fault indemnity law was enacted in 2015. It requires people injured in a crash to see a checkup professional within 14 days of the incidental to make a PIP claim. It besides limits payouts to 80 % of “ reasonable ” medical expenses as outlined in the legislative act. note that PIP will besides cover your passengers ’ injuries, but it doesn ’ thymine cover damage to your car. You go through the at-fault driver ’ south policy for fomite repairs or through your own collision coverage if you were creditworthy .

source : https://shoppingandreview.com
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