Cheapest Car Insurance in Florida for Every Driver Profile: Reviews of Coverages & Discounts [Miami Herald]
You want the cheapest car insurance in
Don’t worry, we can help.
We made this comprehensive guide on how to find the cheapest car insurance that fits your needs and budget, with Amica Mutual as our top pick. We will also answer some common questions and share some tips and tricks on saving money and staying safe on the road.
We’ve analyzed the rates and coverage of the eight best and cheapest car insurance and summarized their strengths and weaknesses. Read on to see our reviews and find the best cheap car insurance deal for you.
1. Amica Mutual - Best Customer Service
Pros
Cons
Amica Mutual is a great choice for drivers who value excellent customer service and want a variety of coverage options. Amica Mutual has been in business since 1907 and has a reputation for being reliable and trustworthy.
Plans and Coverage
Amica Mutual offers standard coverage types and optional coverage such as roadside assistance, glass coverage, rental reimbursement, and new car replacement. Amica Mutual also has a Platinum Choice Auto package that includes identity fraud monitoring, full glass coverage, and accident forgiveness.
>> Cheapest car insurance in
2. Progressive - Best Online Experience
Pros
Cons
Progressive is a good option for drivers who want to manage their car insurance online. It has a user-friendly website and mobile app that allows customers to get quotes, file claims, access policy information, and more.
Progressive also offers many discounts and features that can help drivers save money and customize their coverage.
Plans and Coverage
Progressive offers standard coverage types and optional coverage such as roadside assistance, rental reimbursement, custom parts and equipment coverage, and original equipment manufacturer coverage.
Progressive also has a Platinum Choice Auto package that includes full glass coverage, credit monitoring services, new car replacement coverage, and rental coverage with no daily limit.
>> Cheapest car insurance in
3. GEICO - Best for Low Rates
Pros
Cons
GEICO is a great option for drivers who want to save money on cheaper car insurance rates. It offers some of the lowest rates in the industry and has many discounts available. The car insurance company also has a high financial strength rating, which means it can pay out claims reliably.
GEICO is one of the largest car insurers in the country and has fewer complaints than other insurers of its size.
Plans and Coverage
GEICO offers standard coverage types and optional coverage such as roadside assistance, rental reimbursement, mechanical breakdown coverage, and glass coverage. However, GEICO does not offer gap or ride-share insurance.
>> Cheapest car insurance in
4. Allstate - Best for Local Agents
Pros
Cons
Allstate is a good option for drivers who prefer to work with local agents. It has a large network of local agents who can provide personalized service and advice. Allstate also offers discounts and features that can help drivers save money and customize their coverage.
Plans and Coverage
Allstate offers standard coverage and optional coverage such as roadside assistance, rental reimbursement, gap insurance, new car replacement, and ride-share insurance. The car insurance company also has a claim satisfaction guarantee that refunds your premium if you are unhappy with how your claim was handled.
>> Cheapest car insurance in
5. Liberty Mutual - Best for Advanced Digital Tools
Pros
Cons
Liberty Mutual stands out for its advanced digital tools, such as a user-friendly quote tool, a mobile app, and the RightTrack program that lets you save money by sharing your driving data.
Plans and Coverage
>> Cheapest coverage car insurance in
6.
Pros
Cons
Plans and Coverage
>> Cheapest coverage car insurance in
7. Nationwide -
Pros
Cons
Nationwide is a well-known and trusted car insurance company, offering competitive rates and flexible payment plans. It has a wide range of coverage options and add-ons, such as gap coverage, roadside assistance, accident forgiveness, and vanishing deductible.
It also offers multiple discounts for bundling, safe driving, good students, and more, which can help you save money on your premium.
Plans and Coverage
>> Cheapest coverage car insurance in
8.
Pros
Cons
It also has high customer satisfaction ratings and low complaint ratio, indicating a high level of trust and loyalty among its customers.
Plans and Coverage
>> Cheapest car insurance in
Factors That Impact Cheap Rates
Many factors can affect how much you pay for car insurance, such as age, credit, driving record, vehicle model, location, and coverage choices. Let’s take a closer look at some of them.
Insuring a Teen Driver
Car insurance companies consider teen drivers high-risk because they are more likely to cause accidents and file claims. As a result, they pay some of the highest rates for car insurance.
The average annual rate for a 17-year-old driver in
Getting a Speeding Ticket
Speeding is one of the most common traffic violations in
Getting Into an At-Fault Accident
Being at fault for an accident can also significantly raise your auto insurance rates. Getting into an at-fault accident in
Cheapest Car Insurance After a High-Risk Incident
If you have a high-risk incident on your driving record, such as a DUI, you may find it hard to get cheap car insurance. Getting a DUI can increase your average annual rate by
>> Get affordable car insurance in
Minimum Coverage Requirements for Florida Drivers
In
But, you need to buy insurance that pays for your medical costs no matter who caused the car accident.
The least amount of car insurance costs that you need to drive in
This is the very minimum coverage policy you need to drive legally, but it may not be enough to protect your money if you have a bad accident. If you hurt someone or damage something more than your insurance can pay, the other person can sue you, and you have to pay the rest yourself.
How to Get the
Finding cheap car insurance can be challenging but not impossible. There are several ways to lower your car insurance rates and save money on your premium.
Here are some tips to help you get the cheapest car insurance:
Compare Quotes From Multiple Providers
One of the best ways to find cheap car insurance is to compare quotes from multiple providers. Different insurers have different rating factors and formulas to calculate your rates, so you may get a better deal from one company than another.
By shopping around and comparing quotes, you can find the best coverage and price for your needs.
Maintain a Clean Driving Record
If you have a history of accidents, tickets, or violations, you will be considered a high-risk driver and pay more for your insurance. On the other hand, if you have a clean driving record, you will be rewarded with lower rates and discounts.
>> Get affordable car insurance in
Take Advantage of Discounts
Another way to get cheap car insurance is to take advantage of discounts that insurers offer. Discounts are reductions in your premium that you can qualify for based on certain criteria, such as your driving habits, vehicle features, or personal characteristics.
Car Insurance Discounts in
Some of the common discounts that insurers offer are:
Telematics Discount
Your driving behavior is monitored by a device installed in your vehicle or an app on your phone. If you drive safely and avoid hard braking, speeding, or sudden acceleration, you can save money on your premium.
Defensive Driver Discount
Defensive driving discounts are for drivers who complete a state-approved defensive driving course, which teaches you how to avoid accidents and handle emergencies. The course may also help you reduce points on your license or dismiss a ticket.
Bundling Discount
This discount is for drivers who buy more than one type of insurance from the same company, such as auto and home or auto and renters.
Military Discounts
As the name implies, this is for active-duty or retired members of the
What Other Insurance Should I Have?
Besides the minimum coverage requirements for
Uninsured Motorist Coverage
Uninsured motorist (UM) coverage pays for your medical expenses and lost wages if you are injured by a driver without insurance or insufficient insurance to cover your damages. Plus, UM coverage pays for your pain and suffering compensation, which PIP coverage does not.
UM coverage is not required in
>> Get affordable car insurance in
Collision and Comprehensive Coverage
Collision and comprehensive coverage pay for the repair or replacement of your vehicle if it is damaged by something other than another vehicle.
Collision and comprehensive coverage are not required in
Umbrella insurance covers the amount that exceeds your underlying liability limits up to the limit of your umbrella policy. Umbrella insurance is not required in
Auto Insurance Laws
Below are the auto insurance laws, separated into No-Fault Law and SR-22 & FR-44 policies.
No-Fault Law
In
You can pick a deductible for your PIP coverage, which is the amount you pay before your insurance pays. The deductible options are
But, if your injuries are very serious, you can sue the other driver for more money.
Serious injuries include:
If you have these kinds of injuries, you can ask for more money for your medical costs exceeding your PIP limit, your lost wages exceeding 60%, and your pain and suffering.
>> Get affordable car insurance in
SR-22 and FR-44 Policies
Suppose you have been convicted of certain traffic violations in
SR-22 Insurance Requirements
An SR-22 form is required for drivers who have been involved in an accident without insurance, who have had their license suspended or revoked for any reason, or who have accumulated too many points on their driving record.
An SR-22 form shows that you have at least the following amounts of liability coverage:
You need to maintain an SR-22 form for three years from the date of your conviction or reinstatement.
If you fail to keep your insurance policy active during this period, your insurance agent will notify the FLHSMV, and your license and registration will be suspended again.
FR-44 Insurance Requirements
An FR-44 form is required for drivers who have been convicted of a DUI or a similar offense. An FR-44 form shows that you have at least the following minimum liability coverage:
You need to maintain an FR-44 form for three years from the date of your conviction or reinstatement.
Unlike an SR-22 form, you cannot choose a deductible for your FR-44 coverage. You also need to pay your premium in full and cannot cancel your policy during this period.
>> Get affordable car insurance in
Florida Rates After a DUI
A DUI conviction can have a serious impact on your car insurance rates. According to our data, getting a DUI can increase your average annual rate by
Some insurers, like Amica Mutual, specialize in providing coverage for high-risk drivers and offer more affordable rates than others.
How Much Is Full Coverage Insurance?
Full coverage car insurance gives you more protection than the state minimum coverage amount. It includes collision and comprehensive coverage, which pays for your vehicle if it is damaged by something other than another car, like theft, fire, or animals.
Full coverage car insurance also includes uninsured motorist coverage, which pays for your medical costs and lost income if you are hurt by a driver who has no or not enough insurance.
Uninsured motorist coverage also pays for your pain and suffering, which PIP coverage does not.
How Much Is Liability-Only Coverage Insurance?
Liability-only coverage car insurance in
It does not cover your own vehicle damage, injuries, or any damage caused by events other than a collision, such as theft, fire, or flood.
When Is a Driver Required to Obtain an SR-22?
You might need an SR-22 form in
>> Get affordable car insurance in
What Is the Difference Between an SR-22 and an FR-44?
The difference between an SR-22 and an FR-44 form in
Why Did Farmers Insurance Pull Out of
In the past decade,
That said, Amica Mutual is a good alternative to
Other best alternatives to
Methodology
To find the cheapest car insurance companies, we used data from Quadrant Information Services, an expert in top car insurance companies, premiums, data, and analytics.
We assumed that the driver was a 40-year-old woman with a clean record who drove a new Toyota RAV4.
We also assumed that she has the following coverage:
>> Get affordable car insurance in
Frequently Asked Questions
We answer the most popular questions online about the cheapest and most affordable car insurance.
Who Gives the Lowest Car Insurance Rates?
GEICO gives the lowest car insurance rates in
The best way to find the cheapest car insurance rates is to compare quotes from multiple providers.
The average monthly car insurance cost in
What Is the Best Car Insurance for Seniors?
The best car insurance for seniors in
These companies also offer discounts for seniors who complete a defensive driving course or have low mileage.
What’s Included in
Minimum-coverage auto insurance in
Conclusion
Based on our research, Amica Mutual is the cheapest car insurance in
Don’t take our word for it.
You need to compare different quotes from various insurers, consider your coverage options and discounts, and check the ratings and reviews of the companies. You also need to be aware of the
Regardless of which company you pick, just remember: Cheap does not always mean good. Make sure you have enough protection for yourself and your vehicle.
>> Get affordable car insurance in
©2023 Miami Herald. Visit miamiherald.com. Distributed by Tribune Content Agency, LLC.
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