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Florida Auto Insurance Rates: Finding the Lowest Rate and the Best Coverage

Ron Trumbo - Car Insurance Editor
Ron Trumbo
Car Insurance Editor

As you compare car insurance rates in Florida, please don't simply go for bare bones for price only, especially if you own a house or have a family. Every year on Florida’s highways there are more than 250,000 accidents, resulting in 230,000 injuries and 3,000 deaths. Even the safest and most cautious drivers are vulnerable to auto accidents. Your best defense is to have auto insurance.

 

Florida car insurance can be expensive, but if you simply take a few minutes and get a three or four insurance quotes from Florida insurance agents, you'll be surprised how much you can save. Florida's auto insurance minimums are: 10/20/10. Recognize that Florida drivers must have at least $10,000 of Bodily Injury Liability per person ($20,000 for two or more), and $10,000 Property Damage Liability coverage. Florida requires proof-of-insurance and failure to do so can result in a license suspension for 3 years, and fines that start around $500.

Florida: The Most Difficult State for Home Insurance

Generally blamed on hurricanes, Florida homeowners have is rough when it comes to finding affordable home insurance. Insurance companies continue to complain they’re losing money, but considering that two-million Florida homeowners have been dropped by their carriers in the past 5 years, while Florida home insurance premiums have increased nearly 50%. What can you do? Make a point of shopping around regularly! Don’t wait for threats of storms; Florida home insurance rates are always changing.

Florida Home Insurance: Office of Insurance's Amazing Rate Resource

Before your start comparing Florida home insurance quotes from the biggest brands, take a look at what they're charging Florida homeowners! Consumer HomeOwners' Insurance Comparison Electronic System (CHOICES)

florida auto insurance prices and credit scores in florida

Avg. Florida Insurance Premiums
Are your premiums higher than the Florida average?

  Annual* Monthly*
Auto $1,150 $96
Home $929 $77
Renters $199 $17

Florida Office of Insurance Regulation

How Getting a DUI Affects Your Car Insurance Rates

How Credit Scores Affect Your Car Insurance Prices

Comparing Home Insurance Quotes for Your Budget and How to Find Cheap Homeowners Coverage

Florida insurance agents online quotes
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* Insurance Rate Source: NAIC