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)
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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.
- Alachua
- Altamonte Springs
- Andover
- Apollo Beach
- Apopka
- Arcadia
- Atlantic Beach
- Auburndale
- Aventura
- Avon Park
- Azalea Park
- Bartow
- Bayonet Point
- Bayshore Gardens
- Beacon Square
- Bee Ridge
- Bellair-Meadowbrook Terrace
- Belle Glade
- Bellview
- Beverly Hills
- Bloomingdale
- Boca Del Mar
- Boca Raton
- Bonita Springs
- Boynton Beach
- Bradenton
- Brandon
- Brent
- Broadview Park
- Brooksville
- Brownsville
- Callaway
- Cape Canaveral
- Cape Coral
- Carol City
- Casselberry
- Century Village
- Cheval
- Citrus Park
- Citrus Ridge
- Clearwater
- Clermont
- Clewiston
- Cocoa
- Cocoa Beach
- Coconut Creek
- Collier Manor-Cresthaven
- Conway
- Cooper City
- Coral Gables
- Coral Springs
- Coral Terrace
- Country Club
- Country Walk
- Crestview
- Cutler
- Cutler Ridge
- Cypress Gardens
- Cypress Lake
- Dade City
- Dania Beach
- Davie
- Daytona Beach
- De Bary
- De Land
- Deerfield Beach
- Delray Beach
- Deltona
- Destin
- Doctor Phillips
- Doral
- Dunedin
- East Lake
- East Perrine
- Edgewater
- Eglin AFB
- Egypt Lake-Leto
- Elfers
- Englewood
- Ensley
- Estero
- Eustis
- Fairview Shores
- Fern Park
- Fernandina Beach
- Ferry Pass
- Florida City
- Florida Ridge
- Forest City
- Fort Lauderdale
- Fort Myers
- Fort Myers Beach
- Fort Pierce
- Fort Pierce North
- Fort Walton Beach
- Fountainbleau
- Fruit Cove
- Fruitville
- Gainesville
- Gibsonton
- Gifford
- Gladeview
- Glenvar Heights
- Golden Gate
- Golden Glades
- Golden Lakes
- Goldenrod
- Gonzalez
- Goulds
- Greater Carrollwood
- Greater Northdale
- Greater Sun Center
- Greenacres
- Gulf Gate Estates
- Gulfport
- Haines City
- Hallandale
- Hamptons at Boca Raton
- Hernando
- Hialeah
- Hialeah Gardens
- Hobe Sound
- Holiday
- Holly Hill
- Hollywood
- Homestead
- Homosassa Springs
- Hudson
- Hunters Creek
- Immokalee
- Indian Harbour Beach
- Inverness
- Inwood
- Iona
- Islamorada
- Ives Estates
- Jacksonville
- Jacksonville Beach
- Jasmine Estates
- Jensen Beach
- Jupiter
- Kendale Lakes
- Kendall
- Kendall West
- Key Biscayne
- Key Largo
- Key West
- Keystone
- Kings Point
- Kissimmee
- Lady Lake
- Lake Butter
- Lake City
- Lake Lorraine
- Lake Lucerne
- Lake Magdalene
- Lake Mary
- Lake Park
- Lake Wales
- Lake Worth
- Lake Worth Corridor
- Lakeland
- Lakeland Highlands
- Lakes by the Bay
- Lakeside
- Lakewood Park
- Land O’ Lakes
- Lantana
- Largo
- Lauderdale Lakes
- Lauderhill
- Laurel
- Leesburg
- Lehigh Acres
- Leisure City
- Lighthouse Point
- Live Oak
- Lockhart
- Longboat Key
- Longwood
- Lutz
- Lynn Haven
- Maitland
- Mango
- Marathon
- Marco Island
- Margate
- Marianna
- McGregor
- Meadow Woods
- Medulla
- Melbourne
- Melrose Park
- Memphis
- Merritt Island
- Miami
- Miami Beach
- Miami Lakes
- Miami Shores
- Miami Springs
- Micco
- Middleburg
- Milton
- Mims
- Miramar
- Mount Dora
- Myrtle Grove
- Naples
- Naples Park
- Neptune Beach
- New Port Richey
- New Port Richey East
- New Smyrna Beach
- Niceville
- Norland
- North Andrews Gardens
- North Bay Village
- North Fort Myers
- North Lauderdale
- North Miami
- North Miami Beach
- North Palm Beach
- North Port
- North Sarasota
- Oak Ridge
- Oakland Park
- Ocala
- Ocoee
- Ojus
- Oldsmar
- Olympia Heights
- Opa-locka
- Opa-locka North
- Orange City
- Orange Park
- Orlando
- Orlovista
- Ormond Beach
- Ormond-By-The-Sea
- Oviedo
- Pace
- Palatka
- Palm Bay
- Palm Beach
- Palm Beach Gardens
- Palm City
- Palm Coast
- Palm Harbor
- Palm River-Clair Mel
- Palm Springs
- Palm Valley
- Palmetto
- Palmetto Estates
- Panama City
- Panama City Beach
- Parkland
- Pembroke Park
- Pembroke Pines
- Pensacola
- Perry
- Pine Castle
- Pine Hills
- Pinecrest
- Pinellas Park
- Pinewood
- Plant City
- Plantation
- Poinciana
- Pompano Beach
- Pompano Beach Highlands
- Port Charlotte
- Port Orange
- Port Salerno
- Port St. John
- Port St. Lucie
- Princeton
- Punta Gorda
- Quincy
- Richmond Heights
- Richmond West
- Riverview
- Riviera Beach
- Rockledge
- Rotonda
- Royal Palm Beach
- Ruskin
- Safety Harbor
- San Carlos Park
- Sandalfoot Cove
- Sanford
- Sanibel
- Sarasota
- Sarasota Springs
- Satellite Beach
- Scott Lake
- Sebastian
- Sebring
- Seminole
- Shady Hills
- Siesta Key
- Silver Springs Shores
- South Bradenton
- South Daytona
- South Highpoint
- South Miami
- South Miami Heights
- South Patrick Shores
- South Venice
- Southeast Arcadia
- Southgate
- Spring Hill
- Springfield
- St. Augustine
- St. Cloud
- St. Pete Beach
- St. Petersburg
- Stuart
- Sugarmill Woods
- Sunny Isles Beach
- Sunrise
- Sunset
- Sweetwater
- Tallahassee
- Tamarac
- Tamiami
- Tampa
- Tarpon Springs
- Tavares
- Temple Terrace
- The Crossings
- The Hammocks
- The Villages
- Thonotosassa
- Three Lakes
- Titusville
- Town 'n' Country
- Treasure Island
- Union Park
- University
- University Park
- Upper Grand Lagoon
- Valparaiso
- Valrico
- Venice
- Venice Gardens
- Vero Beach
- Vero Beach South
- Villas
- Warrington
- Wekiwa Springs
- Wellington
- West Little River
- West Melbourne
- West Palm Beach
- West Pensacola
- West Perrine
- West Vero Corridor
- West and East Lealman
- Westchase
- Westchester
- Westgate-Belvedere Homes
- Weston
- Westview
- Westwood Lakes
- Williamsburg
- Wilton Manors
- Winston
- Winter Garden
- Winter Haven
- Winter Park
- Winter Springs
- Wright
- Yeehaw Junction
- Yulee
- Zephyrhills
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