Understanding these factors and knowing how to save can help you identify the best ways to get cheap car insurance in Florida. However, if you have bad credit, you could have to pay a premium about 100 percent higher than the average cost of car insurance in Florida. When searching for the best auto insurance companies in Florida, you may find it helpful to first determine what's important to you in a policy. Your zip code influences the premium you'll pay for car insurance because the frequency of accidents and crime rates vary by city.
Below is a table of car insurance rates for drivers whose violations are listed on their motor vehicle report. As you can see, certain violations affect your price more than others, and not all insurance companies treat violations the same way when setting insurance rates. Like most states, Florida requires drivers to have a minimum level of certain types of auto insurance coverage to drive legally. Statistically, men have more serious car accidents and receive more traffic tickets, such as driving under the influence of alcohol, than women, so they tend to pay more for car insurance, regardless of their age.
Given the high average price of car insurance with full coverage, it can be tempting to have minimal coverage to lower your car insurance bill. Geico and State Farm are among the cheapest auto insurance companies in Florida, according to Bankrate analysis. However, you may not know how much insurance you actually need until you fully understand the minimum car insurance requirements. With a high propensity for inclement weather and a population with heavy traffic, car insurance rates in Florida are higher than the national average, according to Bankrate's analysis of rates provided by Quadrant Information Services.
All insurance products are governed by the terms of the applicable insurance policy, and all related decisions (such as coverage approval, premiums, fees and charges) and policy obligations are the sole responsibility of the insurance insurer. Drivers looking for the most affordable car insurance rates in Florida must first understand how several factors affect premiums.