State Farm offers the cheapest auto insurance with minimum and full coverage in Florida. State Farm is the most affordable option for young adults, seniors, drivers of sports cars and people with violations. Nationwide is ideal for teens and drivers with bad credit. You might be surprised to learn that insurance companies consider your credit score when determining your car insurance rates.
Like many other states, Florida allows companies to consider their credit-based insurance rating when determining rates. Drivers found guilty of certain crimes may have to file an SR-22 with the state of Florida by their insurance company. By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than they did in their teens and 20s. Auto insurance in Florida is one of the most expensive in the country, making the need to find the right insurer much greater.
Car insurance companies tend to charge higher premiums to drivers with traffic violations on their record. The Guides Auto team takes an in-depth look at the cheapest car insurance in the state of Florida. Florida requires drivers to purchase liability protection for property damage and against personal injury, but does not require liability insurance for bodily injury. Car insurance is very expensive in Florida due to a variety of reasons including state no-fault auto insurance laws, environmental factors, weather risks, and driver profiles.
On average, car insurance rates for adolescent boys tend to be significantly more expensive than for adolescent girls. Your credit score is an important factor when insurers calculate your rate, since they use a credit-based insurance score to predict insurance losses. Sunshine State drivers who have been denied car insurance due to an irregular driving history or other factors can apply for coverage through the Florida Joint Auto Insurance Association. Florida is one of many states where insurers can use your credit score as a determining factor in their rates.
The best way to find cheap car insurance in Florida is to compare the quotes of at least three insurers. The best cheap auto insurance companies in Florida include Allstate, Geico, State Farm, USAA, and Progressive.