Since comprehensive, collision, and liability coverages are generally included in a full-coverage insurance policy, their cost is much higher than the state's minimum insurance policy. Calculate your average insurance premium in Florida by comparing the rates of drivers who share your profile and characteristics. Mandy writes about auto insurance, homeowners insurance, renters insurance, life insurance, disability insurance and supplemental products. Insurance companies perceive people with a history of car accidents and multiple traffic violations as high-risk drivers and generally charge them higher premiums.
Select your state and risk factor below to view the insurance company and its average annual total coverage rates. If the damage to your vehicle was caused by something other than a collision, such as a natural disaster, acts of vandalism, falling objects or animals, it will most likely be covered by comprehensive insurance. Florida car insurance quotes vary greatly depending on several factors, including the type of coverage you choose, coverage limits, your address, and personal factors. While a low credit score may encourage insurers to charge you high premiums, you can still compare quotes from different providers to get an affordable policy in Florida.
Criteria such as age, driving history, credit history, the city in which you live, the coverage you choose and the type of vehicle you drive influence the amount of your car insurance in Florida. As drivers age, their car insurance premiums change, and young and teen drivers pay higher rates than experienced drivers. As a result, people who live in Florida's highest-risk neighborhoods have to pay more than those who live in lower-risk neighborhoods. Insurers must cover the insured regardless of who is at fault, leading to high insurance costs in the state.
However, depending on your coverage needs, age, driving history and vehicle, you can find another car insurance company that is the cheapest. Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. He is passionate about making insurance topics easy for people to understand and helping them make better financial decisions. You can also demonstrate your financial responsibility by maintaining minimal car insurance with no gaps in coverage.