Who Has the Cheapest Car Insurance Quotes for 18 Year Olds in Florida?

Wouldn’t life be great if we could wave our magic wand and tell you the one company that has the best insurance prices for 18 year olds? Unfortunately, it’s not that simple as there are many unknown aspects such as if you are currently insured, if you are a homeowner, and whether you have good credit, that all impact the price you pay. This article will detail the best ways to save money and hopefully give you enough understanding to have a good beginning to your search for cheaper coverage.

When buying car insurance for teen drivers, one of the key factors that is used to help calculate the price you pay for insurance is where you choose to live in Florida. Areas that are more densely populated or have higher claim rates like Hialeah, Miami, and Miramar likely pay more, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower coverage costs.

The next table lists the most costly cities in Florida for 18 year olds in which to purchase auto insurance.

Rates are comparative as specific Florida garaging address can alter auto insurance rates substantially.

Performance level and cost of the vehicle needing coverage is probably the biggest factor when comparing quotes for cheaper auto insurance for 18 year olds. Vehicles with more horsepower, a lack of safety features, or a high likelihood of having liability claims will cost significantly more to insure than safer, lower-performance models. The information below outlines insurance premiums for a handful of the cheaper vehicles to insure.

Data assumes single male driver age 18, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate information does not factor in your specific Florida location which can revise rates noticeably.

Price data assumes single male driver age 18, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, and claim-free. Information does not factor in specific garaging location which can decrease or increase price quotes significantly.

Data based on single male driver age 18, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, and safe-driver. Estimates do not factor in vehicle garaging location which can influence coverage rates substantially.

Shopping around for low-priced insurance is hard enough, and deciding which company has the most affordable insurance rates for 18 year olds will take even more diligence. Prices should be quite a bit more than the average rate in Florida due to the potential for higher claims that goes along with offering insurance for teen drivers, but affordable coverage should be available if you compare enough rates.

Every auto insurer has a different process to set their prices, so let’s begin by taking a look at the insurance companies with the most affordable rates in Florida. It’s important that readers know that Florida insurance rates are determined by lots of factors which can substantially change the cost of having a policy. This price variability is why drivers need to shop around with many companies to get the cheapest car insurance quotes for 18 year olds. Rates consist of many risk factors and change frequently, so the cheapest option two years ago may now be an over-priced policy.

Cheapest Insurance Rates for Teens

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USAA may offer some of the lowest car insurance rates in Florida at around $957 per year. Amica, Electric, Progressive, and Travelers also rank well as some of the most economical Florida auto insurance companies.

As shown in the table above, if you have coverage with Amica and switched to USAA, you may realize yearly savings of approxmiately $755. Customers with Electric may save as much as $789 a year, and Progressive policyholders might cut rates by $818 a year.

Remember that these premium estimates are averages for all types of drivers and the different vehicles they drive and do not factor in a rate increase for 18 year olds. So the company that is best for you may not even be included in the chart above. That illustrates why you need to get car insurance quotes using your own driver and vehicle profiles.

Buying coverage from the right company is difficult considering how many companies sell insurance in Florida. The company rank data in the lists below can help you decide which insurers to look at when shopping your coverage around. These rankings are for companies who write in the majority of U.S. states, so smaller companies that only insure vehicles in Florida are not taken into consideration for these rankings.

How to get the cheapest car insurance for 18 year olds in Florida

The list below shows some money-saving suggestions that can help Florida drivers find cheaper coverage.

• Improve your credit rating
• Older vehicles may not need full coverage
• Do not get into accidents that are your fault
• Avoid getting citations and tickets
• Raise your deductibles
• Get cheaper liability coverage by choosing a safer vehicle
• Compare quotes from other companies often

That last piece of advice is extraordinarily important, as we noted in this article. Prices charged by auto insurers in Florida can change considerably based on profitability, so don’t be hesitant to switch to a new company if a better deal can be had.

Having brand loyalty is commendable, but it’s not a great idea if that faithfulness ends up costing you several hundred dollars every year. In just a couple of minutes you could compare rates and find cheaper insurance for 18 year olds.