Florida auto insurance providers
1. AllstateEnjoy having your own dedicated agent to help you get the best discounts and coverage. A policy with Allstate is more than just car insurance. It’s personalized help from expert agents, innovative tools — like Drivewise® — that help keep you driving forward and quality coverage paired with great savings. Get a car insurance quote and learn why 16 million households trust Allstate for their insurance needs.
3. RootRoot offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states. Root is a car insurance company founded on the belief that people who drive well are less likely to get into accidents, and that those people should pay less for insurance. With that in mind, Root set out to reinvent a broken industry—an industry that was still assigning rates based primarily on demographics and had an archaic agent structure.
4. EsuranceEsurance offers a modern online and mobile experience that helps you take your insurance on the go. Esurance is working to help you make smarter, more efficient choices with your insurance. Using state-of-the-art technology, we offer a seamless online and mobile experience along with intuitive tools that help take the hassle out of insurance. Backed by Allstate, Esurance is a multiline insurance company with an A+ financial rating*, offering vehicle and property coverage around the country. And we’re still growing! Check out our product pages to learn more about our top-notch coverages.
5. MetromileDrive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA. Metromile is the leading pay-per-mile car insurance company in the U.S. We’re disrupting a $250 billion auto insurance category by offering an entirely new type of insurance that charges customers based on the miles they drive. We believe paying for what you use is more fair and more affordable. With pay-per-mile car insurance, low-mileage drivers see huge savings. We also believe in the power of data science and machine learning to make car insurance better and less complicated.
Average car insurance costs in FloridaDepending on where you do your research, Florida ranks fifth in the country for expensive car insurance; you can expect to pay in the range of $1,800 annually for your coverage, compared to the national average of around $1,300. You could also fall well outside of the average depending on your driving record, your credit score, the kind of vehicle you drive and a handful of other factors. No matter what insurance you go with, if you’re planning on driving in Florida, make sure that you carry proof of your insurance plan with you. You can also pull up digital versions of this ID on any smart device to prove your coverage.
Low Cost StatesThe low cost states include Idaho, Indiana, Iowa, Kansas, Maine, Minnesota, Montana, New Hampshire, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, South Dakota, Vermont, Wisconsin, and Wyoming. With an average monthly premium price of $137, drivers in these states get cheaper car insurance given their location (away from the coasts) and better weather. These states also tend to have fewer people, which leads to fewer accidents, low crime rates, and less dangerous intersections. Finally, insurance requirements in these states are minimal, which means that insurance companies can offer lower-cost options.
Medium Cost StatesThe medium cost states include Alaska, Arizona, Alabama, Arkansas, Hawaii, Illinois, Kentucky, Mississippi, Missouri, Nebraska, Nevada, Oregon, Tennessee, Utah, Virginia, Washington, and West Virginia. In these states, the average monthly premium is $167, due to slightly less favorable weather, higher levels of population, and more crime and dangerous intersections than in the low cost states. In addition, the insurance requirements are higher in these states.
High Cost StatesFinally, the high cost states include California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Louisiana, Maryland, Massachusetts, Michigan, Pennsylvania, New Jersey, New York, Rhode Island, South Carolina, and Texas. Here, the monthly premium averages $232, which takes into consideration severe weather issues, dense population, higher crime rates, and more dangerous intersections. In addition, these states have stricter insurance requirements, which require higher premiums.
Factors that Affect the Cost of Car InsuranceThere are a number of factors that impact the average cost of car insurance for each driver. Insurance companies use statistics to determine the risk posed by each driver—and then use that risk level to set premium prices.
DemographicsFirst, insurance companies look to your demographics, which include your age, sex, marital status, and location. Essentially, if you are younger, unmarried, and male, you are more likely to engage in risky driving behaviors and file a claim than you are if you are older, female, and/or married. Similarly, location plays a big role in your car insurance rates. People living in states with higher levels of personal injury protection will have more expensive car insurance premiums, as will people living in locations that are more densely populated or that have more cars.
The Car You DriveSecond, the car you drive will affect your insurance rate. Essentially, if you drive a “safe family car,” such as a sedan or a minivan, you are more likely to get a discount on your insurance than if you buy a sports car. You can also get a discount on your insurance by buying a used car and by making sure that your car has safety devices like alarms and anti-lock brakes.
Driving HistoryThird, your driving history has a major impact on your insurance premiums. This one is simple: if you have a record of traffic violations and/or accidents, it will make your rates soar. Work on clearing up your record to reduce your rates.
Credit HistoryFourth, your credit history can impact your insurance premiums. Insurance companies view people with poor credit as bad driving risks, because statistics show that the higher your credit score, the less likely you are to file a claim. By improving your credit health, you may be able to get lower premiums.
Driving HabitsFifth, your driving habits can also play a role in your car insurance costs. Essentially, the amount that you drive and how you drive will impact your insurance. If you commute into a city every day, your insurance will cost more than it would if you took public transportation or worked from home.
Coverage and DeductibleSixth, the level of coverage that you have and your deductible will affect your premiums. The higher your coverage limits, the more expensive your insurance will be. While you can reduce your premium costs by requesting a high deductible, remember that this will require you to pay more out of pocket if you have an accident.
Additional CoverageSeventh, the type of car insurance that you have will impact its cost. While you are likely required to have certain coverage by law, you may not need other types of coverage. Carefully evaluate your policy to make sure that each type of insurance coverage is necessary before signing a policy.
Read more: How Much Does Car Insurance Cost?
WHY DO I NEED CAR INSURANCE?Insurance is smart planning that can help protect you from expensive, sometimes devastating surprises.
- Safeguard the investment you made in your car
- Pay for medical bills after an accident
- Shield you from damages of a lawsuit
- Protect you from uninsured or underinsured motorists
- Pay for repairs due to theft, vandalism or natural disasters
- Give you peace of mind, for wherever the road takes you