Best and Cheapest Auto Insurance in Florida for 2022

Updated Jan 11, 2022

No matter where you are in Florida, you’ll never be more than 60 miles from the ocean. As beautiful as that is, it also means that you’ll be needing some auto insurance come hurricane season. As the 3rd largest state in terms of driving population, Florida has more than 15 million drivers.

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The average auto insurance premium in Florida is around $1,356, which is $405 more than the national average. This cost varies widely from driver to driver. In this article, we’ll explain important insurancefactors and give some helpful tips.

Auto Insurance protects you against financial loss in the event of an accident or theft. The price and regulations usually vary from state to state. You’ve got questions, like “What can auto insurance protect you from,” and “What are the best options?” Well, we have the answers.

What does auto insurance cover?

While each state has its own regulations for auto insurance, there are six basic types of coverage. Everything you need to know is listed below. Click here to read more about auto insurance liability.

  • Bodily Injury Liability
    If you hit someone, you’d be financially responsible for the injured person’s medical bills and lost wages. In addition, if sued, you would likely have to pay a hefty legal bill. We recommend choosing a policy that covers at least $100,000 in damages per person.
  • Property Damage Liability
    With so many cars on the road, damaging one of them could easily generate a hefty loss, potentially costing you tens of thousands of dollars. We recommend getting a policy with about $100,000 in coverage.
  • Uninsured/Underinsured Motorist
    1 out of 7 drivers on the road is uninsured. With this coverage, your own insurance pays you immediately if you are hit by an uninsured/underinsured driver. This protection is invaluable and costs very little.

What discounts are available for auto insurance?

Below is a list of auto insurance discounts available in Florida.

Discount Description
Multi-Car When you insure more than one car on your policies, you can usually get a multi-car discount for each of them. In another word, it's better to insure all the vehicles on the same policy instead of putting them on separate policies.
Multi-Policy You’re eligible for this discount if you purchase multiple policies from the same carrier. For example, if you have auto and renter’s insurance from the same company, you can get a discount on your auto insurance of about 5-15% depending on the company or state. However, purchasing all of your coverage from the same company doesn’t always save you money; sometimes, buying standalone policies can save you more money. These things vary.
Education and Profession There are two types of education discounts: One for the degree you earned and the other for the college you graduated from. The latter may not be available from all carriers.. For some advanced professions, you can get a discount of 10-15%, but this may require verification from your employer.
Anti-theft/Anti-lock Brakes/Airbags Most companies can give you a discount on the comprehensive proportion of the premium if you have security-related features, such as alarms, anti-theft measures, steering wheel locking, or anti-lock brakes.
Good Driver If you don't have any record of violation or accident during the last 3-5 years, you're considered a good driver by most companies. This is also one of the biggest discounts in most companies.
Good Student Students who maintain an average grade of B or higher can receive a significant discount on their insurance premium. Although, the premium may still be high because students usually don't have extensive driving experience.
Standard Risk Every insurance company manages its risk differently. But in general, there're standard risks for auto insurance including No tickets or no accidents within a specific period, no drivers under 25 years old or over the age of 65, no high-performance vehicles.
Paperless Some carriers provide discounts to those who pay online only. But new insurance carriers increasingly do not offer it.

What factors impact the cost of auto insurance?

  • Age
  • Gender
  • Driving records
  • Annual mileage
  • Profession
  • Education background
  • Bundling of multi cars
  • Bundling of auto and home policies
  • Features of the car (e.g. anti-theft devices)

Looking for the best auto insurance in Florida?

Click here to get started. You can compare hundreds of Auto insurance companies at once to get free, no-obligation quotes in just 60 seconds.

Curious about auto insurance rate for a city in Florida?

We compiled data about auto Insurance rates for every city in Florida. A word of caution, as you explore the list below, there is no doubt you will find a wide price range.

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Disclaimer
Our articles are intended for informational purposes and should not be considered legal or financial advice. Our articles are not written or reviewed by insurance agents. Consult your policies with your agent or a professional for details regarding terms, conditions, coverage, exclusions, products, services, and programs.

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