Whether you’re moving to Florida or looking for a new carrier, it’d be best to compare quotes from top companies in order to start saving on your auto insurance. Read our list of cheapest cities to drive in Florida.
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Known as “The Sunshine State,” Florida can be quite expensive despite its reputation as the land of retirement and easy living. Nonetheless, it’s possible to find great car insurance rates on this peninsula. So, whether you’re making the move to party it up on South Beach or relax on the Gulf, it’d be best to compare quotes from top companies in order to start saving on your auto insurance.
Even with this average, you can still end up spending more or less depending on where you live. If you need a deciding factor in terms of where to make your next move, whether it be to a new state or a new provider, the below list outlines the cheapest cities in Florida for auto insurance.
Based on the above listing, you’ll be able to estimate how much your insurance will be in these or surrounding cities. Data from this study also shows that the more densely populated the city, the higher the annual costs for car insurance. Reasons for this vary but essentially, more people means more cars and more cars mean a higher chance of accidents or thefts and, in turn, a higher amount of claims for the insurance companies to fulfill. This is something providers like to avoid because continually paying out claims costs them money and so they raise premiums.
This list also shows that the price of your premium can vary greatly depending on what company you choose. Even if you live in Tallahassee, which offers the cheapest car insurance prices, you could end up paying $319 or something closer to the state average, like $994. It’s important to shop around for potential premiums to ensure you’re getting the best deal.
Florida is a no fault state and therefore requires you to carry PIP insurance. So while you’re shopping around, remember that you must carry the state minimum coverage that includes liability to cover your own medical and property damage expenses regardless of whether or not you were at fault. The state minimum has been set at 10/20/10 which includes: $10,000 coverage for bodily injury per person, $20,000 total coverage for bodily injury per accident, and $10,000 coverage for property damage. You might want to consider buying more than the state minimum if you’re worried you won’t be able to pay for uncovered bills out of pocket.
Start shopping with a comparison site that makes it easy to customize your coverage and earn discounts. Insurify’s intelligent, virtual agent can help assess what liability exactly fits your needs and give you the power to compare all carriers within your region to get you the best rate possible.