Cheapest Auto Insurance for Good Drivers in Florida

Cheapest Auto Insurance for Good Drivers in Florida

The vehicle you are buying coverage for is one of the main factors that determines the availablility of the cheapest car insurance for good drivers in Florida. Vehicles with lower performance, an excellent safety record, or a low likelihood of liability claims will cost less to insure than high performance models.

The next lists estimates car insurance rates for some of the more afforable vehicles to insure in Florida.

Insurance Rates for Popular Cars in Florida
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu LS $1,252 $626 $104
Ford Fusion SEL AWD 4-Dr Sedan $1,462 $731 $122
Honda Accord EX 2-Dr Coupe $1,404 $702 $117
Honda Civic EX-L 4-Dr Sedan $1,404 $702 $117
Hyundai Elantra SE Touring Station Wagon $1,162 $581 $97
Kia Optima SX $1,432 $716 $119
Toyota Camry XLE $1,328 $664 $111
Toyota Corolla XLE $1,328 $664 $111
Volkswagen Jetta SEL 4-Dr Sedan $1,356 $678 $113
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Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Rates do not factor in garaging location in Florida which can revise prices considerably.

Insurance Rates for Popular SUVs and Crossovers in Florida
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Acura RDX Technology Package AWD $1,266 $633 $106
Chevrolet Suburban LS 4WD $1,280 $640 $107
Chevrolet Traverse LS 2WD $1,084 $542 $90
Ford Escape XLT 2WD $1,054 $527 $88
Ford Explorer Eddie Bauer 2WD $1,174 $587 $98
GMC Acadia SLE 2WD $1,174 $587 $98
GMC Terrain SLE AWD $1,162 $581 $97
Honda CR-V EX-L 4WD $1,084 $542 $90
Honda Pilot EX-L 2WD $1,280 $640 $107
Hyundai Tucson Limited 4WD $1,252 $626 $104
Jeep Grand Cherokee Laredo 4WD $1,252 $626 $104
Subaru Forester X Premium AWD $1,190 $595 $99
Toyota Highlander Limited 2WD $1,386 $693 $116
Toyota RAV4 2WD $1,252 $626 $104
Volvo XC90 3.2 AWD $1,462 $731 $122
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Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Prices do not factor in the specific area where the vehicle is garaged which can affect coverage rates noticeably.

Car Insurance Rates for Popular Pickup Trucks in Florida
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Silverado 2500HD LT Crew Cab Diesel 4WD $1,462 $731 $122
Chevrolet Silverado LT Regular Cab 2WD $1,328 $664 $111
Dodge Ram Quad Cab ST 4WD $1,356 $678 $113
Ford F-150 Lariat Super Cab 2WD $1,280 $640 $107
Ford F-250 XL Crew Cab Harley Edition 4WD $1,534 $767 $128
GMC Canyon SLE Crew Cab Z71 4WD $1,280 $640 $107
GMC Sierra 2500HD SLE Crew Cab 2WD $1,508 $754 $126
GMC Sierra 3500HD SLE Regular Cab 2WD $1,386 $693 $116
GMC Sierra SL Crew Cab 2WD $1,356 $678 $113
Toyota Tundra Limited Crew MAX 2WD $1,432 $716 $119
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Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Premium amounts do not factor in specific Florida garaging location which can impact coverage prices substantially.

For safe drivers, one of the largest considerations that impact insurance cost is where you keep your car in Florida. Areas with more people or higher crime rates like Hialeah, Miami, and West Palm Beach tend to have more expensive car insurance rates, whereas areas with less congestion profit from lower rates.

The following table displays the highest-priced places in Florida for good drivers to purchase auto insurance in.

How much does car insurance cost in Florida?
Rank City Annual Rate
1 Hialeah $3,630
2 Miami Gardens $3,277
3 Miami $3,177
4 Miami Beach $2,953
5 West Palm Beach $2,705
6 Tampa $2,636
7 Hollywood $2,630
8 Miramar $2,629
9 Coral Springs $2,574
10 Davie $2,548
11 Pompano Beach $2,518
12 Pembroke Pines $2,481
13 Fort Lauderdale $2,475
14 Brandon $2,392
15 St. Petersburg $2,286
16 Clearwater $2,172
17 Spring Hill $2,102
18 Orlando $2,069
19 Jacksonville $2,020
20 Port St. Lucie $1,975
21 Cape Coral $1,860
22 Lakeland $1,827
23 Palm Bay $1,786
24 Tallahassee $1,784
25 Gainesville $1,680
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Rate quotes are estimated as vehicle location can change premiums substantially.

Get discounts on Florida insurance rates

<img class="shadow floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/cheap-car-insurance-good-drivers-fl.jpg" alt="Cheaper Florida car insurance for safe drivers”/>Car insurance companies that sell the cheapest car insurance for good drivers in Florida could also offer premium discounts that can lower rates by as much as 35% or more if you meet specific criteria. A few popular companies and some of the premium reductions they offer are outlined below.

Car Insurance Discounts for Popular Insurance Companies
Discount State Farm Allstate Progressive Geico Liberty Mutual Farmers
Bundled policies Yes Yes Yes Yes Yes Yes
Multi-vehicle Yes No Yes Yes Yes Yes
Theft prevention Yes Yes Yes Yes Yes Yes
Safe vehicle Yes Yes No Yes Yes No
Air bags Yes Yes No Yes Yes Yes
Running lights Yes No No Yes No Yes
Newer vehicle Yes Yes No No No Yes
Eco-friendly vehicle No Yes No No Yes Yes
Accident-free Yes Yes Yes Yes No Yes
Defensive driving course Yes Yes Yes Yes No Yes
Low miles Yes Yes Yes No Yes No
Active duty military Yes No Yes Yes No Yes
Professional affiliation No No No Yes Yes Yes
Full payment No Yes Yes Yes Yes Yes
Email statements No Yes Yes Yes Yes Yes
Customer loyalty Yes No Yes No No Yes
Early signing No Yes No No No Yes
Good grades Yes Yes Yes Yes Yes Yes
Student at college Yes Yes Yes No Yes Yes
Own a home No No Yes No No Yes
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The information below visualizes the comparison of insurance costs with and without discounts applied to the premium. The costs are based on a male driver, no claims or violations, Florida state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with defensive driving course, multiple policy, marriage, multiple vehicle, homeowner, and safe-driver discounts applied. When drivers qualify for the discounts, the the average yearly reduction on car insurance for good drivers is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 5033,3615],[‘Age 30’, 2583,1871],[‘Age 40’, 2561,1851],[‘Age 50’, 2331,1687],[‘Age 60’, 2255,1629],[‘Age 70’, 2767,1989]]);var options = {title: ‘Insurance Rate Comparison with Discounts for Good Drivers’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Florida car insurance companies ranked

Finding the top car insurance company can be difficult considering how many companies there are to choose from in Florida. The company rank data in the lists below can help you decide which auto insurers to look at purchasing coverage from. The ratings below only include companies with a nationwide focus, so companies without a large exposure are not factored into the list.

Florida Car Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
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Data Source: Insure.com Best Car Insurance Companies

How to get the cheapest car insurance for good drivers in Florida

Here are a few penny-pinching ideas that can help you get low-cost coverage.

  • Buy a vehicle with excellent safety ratings
  • Try paying for small claims out-of-pocket
  • Having at-fault accidents will increase rates
  • Tickets and violations raise rates
  • Pay cheaper rates with good credit scores
  • Compare rates regularly to ensure the best deal

The last idea is highly crucial, as was noted in this write-up. Prices charged by companies can change considerably based on profitability, so don’t be tentative to buy a different policy if you can save money.

Being loyal to a particular company is commendable, but we do not recommend it if that faithfulness ends up costing you hundreds of dollars a year. Spend a few minutes and compare prices to find cheaper auto insurance for good drivers.