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Cheap Car Insurance in Florida

Everything You Need to Know About Auto Insurance in Florida

Florida is a renowned destination recognized for its beaches and wildlife. Here, visitors can indulge in a wide range of outdoor activities, including kayaking, fishing, and surfing. The state is also rich in natural attractions, with Everglades National Park and the Florida Keys offering unique experiences for nature enthusiasts.

In addition to its natural allure, the Sunshine State is home to numerous theme parks, such as Walt Disney World and Universal Orlando Resort. These attractions welcome millions of visitors annually, providing exhilarating rides and unforgettable entertainment for families and individuals.

Whether you are considering relocating or already reside in this state, having the appropriate car insurance coverage is crucial for your peace of mind, above all, for driving legally in the region. Acceptance Insurance offers the best auto insurance at the most affordable price, ensuring that you have the necessary protection while traveling around Florida.

How Much Does Car Insurance in Florida Cost?

The cost of car insurance in the Sunshine State is significantly higher than the national average. On average, drivers are paying $3,950 for full coverage and $1,308 for minimum coverage annually, while the national average stands at $2,014 for full coverage and $622 for minimum coverage.

But worry not, because Acceptance Insurance offers affordable and dependable coverage that won’t strain your budget. Let us take care of your car insurance needs in Florida.

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What Is the Average Premium for Cheap Full Coverage Car Insurance in FL?

On average, full coverage car insurance in Florida costs $329 per month, which is significantly higher than the national average of $168. This represents a difference of approximately 95.8%.
The components of full coverage include:

  • Liability coverage: This is the minimum required coverage to protect against damage and injuries caused to others in an accident.
  • Collision coverage: This helps pay for repairs or the replacement of your own vehicle if you’re involved in a collision, regardless of who is at fault.
  • Comprehensive coverage: This covers non-collision incidents such as theft, vandalism, natural disasters, and other unforeseen events.

It is important to note that if you have a financed vehicle, your lender may require you to carry full coverage insurance. Even if it’s not a requirement, many drivers choose full coverage to ensure comprehensive protection beyond the minimum liability requirements in Florida.

Given the significant cost difference between Florida’s full coverage and the national average, it’s important to shop around and compare quotes from different insurance providers. At Acceptance Insurance, we’re here to assist you in finding the right coverage at a competitive price.

How Much Does Liability Insurance or Minimum Required Auto Coverage Cost in FL?

Liability insurance is the more affordable car insurance option, with an average monthly cost of around $109 (though it is noticeably higher than the national average of $52 per month). To secure this rate, it is imperative to maintain an outstanding driving record and own a reasonably priced and secure vehicle. It is also recommended to verify if you meet the eligibility requirements for any car insurance discounts to further reduce your rates.

Fortunately, by comparing quotes from multiple insurance carriers, you can obtain more than just the minimum liability coverage in Florida at a highly competitive price. Every year, countless drivers discover the hard way that relying solely on the “minimum” coverage is a risky gamble, especially when involved in an accident. Don’t leave your financial security to chance – make sure you have the right level of protection!

How do Rates Compare Across Georgia’s Major Cities

Your location plays a big role in determining your insurance rates in Florida. Insurers consider various factors, such as the level of congestion in cities and the frequency of vehicle-related crimes in your area. Living in densely populated cities like Miami or Orlando may result in higher premiums compared to driving on rural roads. If your area has a high vehicle crime rate, it can also impact your insurance rates. Here are some cities in Florida that you can compare:

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City Full Coverage Insurance Liability  Insurance Coverage
Miami $324 $99
Orlando $218 $78
Tampa $312 $114
Jacksonville $231 $79
Hialeah $317 $123

We use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by Florida. 

What are Some Car Insurance Discounts in Florida?

The most substantial discount you can receive on car insurance is for being a good driver. By maintaining a spotless driving record, you can potentially enjoy a discount of up to 20% off your annual premium, depending on the insurer. Moreover, there are various other enticing discounts available in Florida, such as

  • Good driver: :If you’re a student with good grades, you might qualify for a discount. Insurers often reward responsible students with lower premiums.
  • Good studentIf you don’t drive your car frequently or have a low annual mileage, you could be eligible for a discount. This is because the less you drive, the lower the risk of accidents.
  • Bundling:If your car is equipped with safety features like anti-lock brakes, airbags, or an anti-theft system, you could receive a discount. These features decrease the risk of accidents and theft.
  • Defensive driving course:Some insurance companies offer discounts to policyholders who have been with them for a certain period. This reward for staying loyal can result in a lower premium.
  • Military or other first responder: If you own an eco-friendly or hybrid vehicle, you may qualify for a discount. Insurers often encourage environmentally conscious driving by offering reduced rates.

Remember to consult with your insurance provider or independent agent to see which of these discounts you are eligible for and how much you can save. Additionally, you can further improve your rates by applying the 8 Ways to Lower Your Car Insurance.

Florida Car Insurance Laws

Get ready to master Florida’s car insurance laws. Our guide covers everything from mandatory car insurance requirements, penalties for driving uninsured, and when to report an accident.

Ignoring these guidelines could land you in trouble. So, take the time to study these sections and avoid violating Florida’s insurance laws

What are Mandatory Vehicle Insurance Requirements in Florida?

Here are the details you need to know about Florida’s state-required car insurance:

  • Personal Injury Protection (PIP) coverage: You must carry a minimum of $10,000 in PIP coverage. In a no-fault state like Florida, PIP helps cover your medical expenses and related costs if you’re injured in a car accident.
  • Property Damage Liability (PDL) coverage: You are also required to have at least $10,000 in PDL coverage. This insurance helps pay for damages your vehicle sustains, regardless of who is at fault.

Remember, in Florida, liability insurance is the minimum required coverage and PIP is mandatory due to the no-fault system. Having adequate coverage ensures that you’re protected in case of an accident.

Car Insurance FAQs

Get answers to common insurance questions

What Happens if You are Caught Driving Without Insurance in FL?

If you plan on driving in Florida, it’s essential to have the required minimum amounts of insurance coverage. Failure to do so can incur heavy fines and lead to the loss of your driving privileges. Below are the penalties you may face:

  • First offense: A $150 reinstatement fee might be in place, and your license and registration may be suspended for up to 3 years, unless proof of insurance is provided in time.
  • Second offense: If you have a lapse in insurance within 3 years of your first offense, you may incur a $250 reinstatement fee. Also, your license and registration may be suspended for up to 3 years, unless proof of insurance is provided in time.
  • Subsequent offenses: If you have a gap in insurance within 3 years of your first offense, you may be subject to a $500 reinstatement fee. Additionally, your license and registration may be suspended for up to 3 years, unless proof of insurance is provided in time.

What Factors Does Florida Law Allow in Determining Your Insurance Premiums?

Insurance policies in Florida are customized based on several factors, including age, gender, credit score, education and occupation, marital status, zip code, car type, and driving history. These factors help determine the specific premium you will pay for your insurance coverage.

Am I Required to Report an Accident in Florida to Authorities?

Yes. In Florida, reporting an accident to the authorities is mandatory, especially if there is significant property damage, physical injuries, or, in the worst-case scenario, fatalities. Failing to report a car accident can result in criminal prosecution or a hefty fine in Florida.

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What is Driving in Florida Like?

Driving in Florida can be challenging due to heavy traffic in major cities such as Miami, Orlando, and Tampa. Additionally, the unpredictable weather, including frequent rain showers and occasional hurricanes, can make commuting difficult. So, buckle up and stay vigilant while driving in the Sunshine State!

How Many Car Accidents Happen in FL?

In 2021, Florida had many car accidents, with over 400,000 reported incidents. Unfortunately, among these, there were 3,433 fatal crashes, leading to the tragic loss of 3,734 lives. Distressingly, there were 182 bicycle fatalities and 586 motorcyclist deaths throughout the year. Pedestrian accidents also took a heavy toll, causing 844 fatalities.

Additionally, there were 310 hit and run incidents resulting in fatalities. These statistics serve as a reminder of the importance of practicing safe and responsible driving on Florida’s roads.

How Many Drivers are Uninsured/Underinsured Motorists in FL?

According to the Insurance Information Institute, more than one-fifth or 20.4% of drivers in Florida do not have car insurance, making it one of the top six states in the United States in terms of uninsured drivers.

To help those who are involved in accidents with uninsured/underinsured or hit-and-run drivers, Florida adopted the no-fault system. While this policy enables drivers to use their own insurance to pay for the damages, it might not be enough to cover the rising medical and repair costs.

Therefore, it is essential to consider raising your coverage to ensure proper protection on Florida’s roads. As a driver, being adequately insured provides you with peace of mind and safeguards you from unexpected expenses.

Car Insurance Glossary

Lean more about terms and definitions that are commonly used in insurance.

FAQs About Florida Car Insurance

I am a Low-Income Driver. How Can I Find the Cheapest Car Insurance in Florida?

In Florida, there are no specific state programs available to assist low-income drivers with insurance costs. However, it is still possible to find affordable rates by following some tips.
First, it’s important to compare quotes from different insurance providers. By doing so, you can find more affordable options. Don’t hesitate to contact and negotiate with multiple insurers to get the best possible deal.
Additionally, consider the type of vehicle you drive, as certain models may lead to higher insurance premiums. Opting for a more affordable and safer vehicle can help reduce costs.
Maintaining a clean driving record is crucial, as accidents and traffic violations can significantly increase insurance rates. Keep within speed limits, avoid distracted driving, and always wear your seatbelt.
You can also consider taking a defensive driving course. In Florida, passing a state-approved defensive driving course can result in an insurance discount. This will help you save money and become a safer drive

Can an Undocumented Worker Get Auto Coverage in FL?  

Unfortunately, Florida does not allow undocumented workers to obtain car insurance. This is different from 15 states and Washington, D.C., where undocumented immigrants can get car insurance. In Florida, car insurance is mandatory, but without a valid immigration status, undocumented workers cannot fulfill this requirement.

Is It Possible to Get Auto Insurance in Florida with a DUI on my Record?

Yes, it is possible to get car insurance in Florida with a DUI mark on your record. However, you need to consider that having a DUI Insurance requirement will likely result in higher costs due to the increased risk you pose as a driver. The state mandates at least three years of continuous coverage with an FR-44 endorsement.
Despite the higher costs, there are insurance providers who specialize in covering high-risk drivers. It is recommended to shop around, compare quotes, and consider additional coverage options and discounts to find the most affordable car insurance that meets your needs. Each individual’s situation is unique, so it’s important to explore options and seek advice from knowledgeable agents.

Find Low-Cost Auto Insurance in Florida Today!

Our dedicated team at Acceptance Insurance is committed to assisting you in finding a customized and flexible policy that meets your specific needs and budget. Give us a call at 800-321-0899, obtain a quick quote online, or visit one of our conveniently located offices to receive personalized assistance.

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