Florida has some of the highest car insurance rates in the country, which is why it pays to shop around using a convenient list of auto insurance companies for reference. For example, one year of insurance at one of the state's more expensive companies can cost the same as seven years' worth of comparable insurance from a less expensive company. When you compare plans, keep in mind that a comprehensive insurance policy along with excellent customer service is worth paying a little extra for. Also, search for reviews that may indicate whether or not a company offers superior customer service, or conversely, reveal they offer poor follow-up to claims. If you live in Florida, you're legally required to have auto insurance in order to register your vehicle.
Employees at the service center will then coordinate repairs, which come equipped with a lifetime warranty. Progressive isn't the most affordable auto insurance option, however, it provides policyholders with a long list of discounts to help mitigate its high rates.
Progressive's best discounts are offered through the Snapshot program, which rewards policyholders for safe driving habits. If you're a safe driver, then consider selecting Progressive as your auto insurance company.
Allstate makes finding a local agent in the Sunshine State easy by offering prospective policyholders the option to search by ZIP code or city.
While most insurance companies offer this search feature, Allstate improves search functionality by showing a map alongside results, eliminating the need to look up several addresses. Allstate's high auto insurance rates hold it back from being an above-average insurance company. Furthermore, aside from its great search feature, the company doesn't offer any perks that are exclusive to Florida drivers. If you're interested in Allstate for its ability to offer personalized service through its local agents, then consider State Farm.
USAA is one of the best insurance companies available in Florida. Not only does USAA offer affordable auto insurance quotes to drivers in Florida, but it also provides excellent customer service. If you're a U. Liberty Mutual has quite a few offices scattered throughout the Sunshine State.
Many Liberty Mutual offices in Florida take an active role in community service. Liberty Mutual doesn't offer any discounts or coverage options that you couldn't find through another insurance company. Insurance companies that offer limited features, like Liberty Mutual, typically have low auto insurance premiums, however, that isn't the case with Liberty Mutual.
Simply put, there aren't many reasons why a driver in Florida should select Liberty Mutual as their insurance company.Top 5 Best Auto Insurance Companies of 2018 in USA
In fact, Infinity has 30 agents in Miami and Orlando each. The company maintains an active presence in the communities where it sells auto insurance policies. Infinity is a great insurance company for high-risk drivers.
If you don't fit into that customer segment, you'd likely receive a cheaper quote from a national insurance company, like State Farm or GEICO. Furthermore, even high-risk drivers should be cautious of Infinity's poor customer service, as reviews complain about the company being difficult to reach.
Travelers is the eighth largest auto insurance company in Florida and one of the largest auto insurance companies in the U. The company partners with local institutions, like Florida Realtors and the Florida Hospital Credit Union, to offer their members special discounts and perks.
Best Car Insurance in Florida
Travelers sells its auto insurance policies through independent agents, however, the company still provides customers with an online directory to quickly find an agent in their area.
Travelers offers middle-of-the-road quotes when it comes to price. However, for drivers who would receive high rates elsewhere, it can be a great choice for auto insurance. The company offers one of the longest lists of discounts, which can be used to overcome its average rates.
Another benefit is that the discounts are varied, meaning that most drivers will be able to qualify for at least one discount.
One of the benefits of selecting a large insurance company, like Farmers, is that the company offers several insurance products, meaning you can earn discounts by bundling policies.
Farmers even offers insurance for recreational vehicles, like boats. Regardless of your driver profile, Farmers offers some of the most affordable rates among national auto insurance companies. Furthermore, the company offers a few unique coverage options. For instance, Farmers is one of the few companies in the state to offer insurance while you're driving for Uber or Lyft. AmTrust Financial has seven corporate offices located across some of the largest cities in Florida, including Jacksonville and Ft.
Furthermore, the company is the 14th largest writer of auto insurance in the country. Prospective policyholders should be aware that AmTrust Financial doesn't provide direct quotes to customers.
Florida auto insurance averages $ annually, a bit higher than the nationwide average of $ We compare four of the state's top. Florida has some of the highest car insurance rates in the country, which is why it pays to shop around using a convenient list of auto insurance companies for. Find the best car insurance in Florida. Read about Florida insurance requirements & compare rates from leading car insurance companies.
If you're interested in an auto insurance policy, you'll have to speak to an independent agent that sells policies for the company. AmTrust Financial mostly focuses on selling insurance policies to small businesses, meaning it isn't the best choice for your personal auto insurance policy. The company's subsidiaries, which provide auto insurance policies, are small in size. Their limited size means you'll miss out on things most large insurance companies offer, like mobile apps and online quotes.
View the discussion thread. Progressive is again the most affordable car insurance option in Miami, Floridawhile Allstate is the most expensive.
Esurance, Geico, and Safeco all offer reasonably priced premiums, meaning any buyer will be spoiled for choice in this city. Jacksonville is the largest city by land mass in the continental US. It also has an impressive musical heritage.
The annual Jacksonville Jazz Festival, which started inis the second-biggest event of its kind in the US. Jazz nobility such as Miles Davis and Herbie Hancock have headlined the festival. The city is also the birthplace of the legendary southern rock band Lynyrd Skynyrd. Progressive is by far the most affordable option, while Esurance and Geico form the group of the second cheapest companies.
While not many customers may be familiar with Esurance, we would urge you to give the company a chance. Did you know that Babe Ruth hit his longest home run ever recorded, feet, during an exhibition in Tampa? He probably stayed in Tampa to relax for a while, given that the city is famous for its excellent restaurants and vivacious cigar scene. Bartenders in Tampa likely know how to serve a fine drink too, given that the city was one of the top distributors of illegal liquor during Prohibition.
Car insurance companies in Florida charge quite a bit in Tampa—it is the most expensive city in Florida.
A List of Car Insurance Companies in Florida
Progressive and Geico form the group of affordable options in this town. Esurance, Safeco, and Allstate offer too little in terms of overall quality to justify their prices in Tampa. Nonetheless, try getting a quote from these companies as well—they may charge you less. Orlando is home to one of the largest US citrus farms, Showcase of Citrus.
Progressive and Geico stick out as the most affordable companies. Similarly to Tampa, other companies are too expensive for our taste. Fort Lauderdale bears the name Venice of America due to its complex canal system known as the Intercoastal Waterway.
The best car insurance companies in Florida with the highest ratings are: AAA. Drivers in Florida might find it difficult to select an auto insurance company, given that each one offers different auto insurance rates and discounts. We've. If you want the best protection money can buy, buying an auto policy from one of the best car insurance companies is essential. By buying a.
Fort Lauderdale is quite a popular tourist destination, with a lot of sunny and warm days year-round. Perhaps the high number of tourists is why automobile insurance companies in Florida charge quite a high premium in this town.
Progressive, Geico, and Esurance are the cheapest options in this town. Geico would be our top pick, but we would give a chance to the other two companies as well.
Those looking for cheap car insurance in Florida will be thrilled to know the state has the lowest car insurance limits in the US. Furthermore, bodily injury liability is not mandatory because Florida became the second no-fault state in the US in We would also urge anyone capable of getting higher limits to do so. Plus, even if Florida is a no-fault state, the damaged party can still sue you for the pain and suffering the injuries caused.
Those shocked by the high insurance prices in Florida can find comfort in the fact that many discounts can significantly reduce the premium. Plus, usually the discount increases over time. Safety Features — Common factory-installed features that improve the safety of the vehicle and the passengers, like anti-theft devices, airbags, and anti-lock brakes can get you a discount.
Even driving a car that has a proven record of being safe and reliable can do so. Good Student Discount — A young driver or a teen qualifies for this discount on auto insurance in Florida by being enrolled full-time in an approved academic institution and by maintaining a GPA of 3.
Homeowners Discount — It turns out people who own a home are less likely to get involved in a car accident. Insurance quotes are very specialized. Many different parameters influence the final premium. Sometimes, a small change in zip code can add hundreds of dollars annually.
Furthermore, factors like your age, credit score, and driving record, as well as the make of the vehicle you drive, can all change the final price. Check our car insurance reviews t o find detailed data on the quality of every major US insurance company. Even if two different companies have the same overall score, their optional coverages may be entirely different. You can find all the information you need on our website.
Our reviews show the exact percentage whenever we could find that information. The good news is that Floridalike Californiabanned the practice of price optimization in It unfairly discriminates against some people, and it enables charging different groups different prices for the same product.
Even if this procedure is banned, it still makes sense to shop around to get low-cost car insurance in Florida. Insurance companies may change their pricing strategies annually and introduce new discounts.
Get a free Florida auto insurance quote today from Nationwide. Find a local agent or apply online to start saving. Just because these two companies were the cheapest for me doesn't mean they'll be the cheapest for you, though. Getting auto insurance. Discover high-quality and cheap car insurance companies in Florida and see which insurer fits your needs the best. Check discounts on Florida Auto Insurance .
If the search ends with a conclusion that your current company is the best, you can rest easy knowing that you already have the finest option in the market. In our research, we found that car insurance prices in Florida are quite high.
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Additionally, we found that the minimum auto insurance coverage in Florida, although quite cheap, is inadequate to provide full protection. In the end, even though Florida effectively banned price optimization, shopping around is the only way to find car insurance that suits your needs.
We advise getting a quote from at least five different companies. The minimum limits for Florida car insurance are the lowest in the US.
However, because it is very likely that you will have to pay out of your pocket in case of an accident if you have the minimum coverage, we strongly advise purchasing broader coverage with higher limits. We reached out to all the major car insurance companies in Florida and got quotes from them. According to our data, Progressive is the cheapest car insurance company in Florida.
Geico is a close second. In fact, the prices of these two companies are often so neck and neck that we would base our choice between these two on criteria unrelated to price. Yes, Florida is a no-fault state, which means that the insured drivers pay their own medical expenses and loss of income, regardless of who caused the accident. The injured party can still sue for pain and suffering. Mandatory auto insurance limits in Florida are the lowest in the US.
However, these limits are far from adequate. Florida has the highest number of uninsured drivers and is number one in the US for careless driving. Furthermore, the state is notorious for frequent storms, floods, and hurricanes. First of all, there is great variance among different insurers, meaning customers can profit by choosing some of the cheap car insurance Florida companies offer.