Deciding which company offers the lowest-priced car insurance rates for 19 year olds takes a little more work in order to find a policy that fits your budget.

Each auto insurance company uses a slightly different approach for setting prices, so let’s rank the car insurance companies that tend to have lower prices 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.

Our editors keep telling us that when writing about auto insurance, the word “cheap” should not be used anywhere in the article. Nonetheless, cheap auto insurance for 17 year olds does not exist. But fear not, because there may be ways you can find and buy coverage that you can afford.

You have probably watched the captivating ads from companies like State Farm and The General that promise the cheapest price, so you just need to choose any of them, right?

Unfortunately, it’s not that simple as there are many unknowns such as how you use your vehicle, your current insurance company, if you have a spouse, and if you are a renter or homeowner.

You have most likely seen the catchy commercials from car insurance companies like Farmers, Liberty Mutual, and Allstate that promise enormous savings, so drivers just need to pick one at random, right?

It’s not quite that easy, unfortunately, as there are a whole bunch of unknowns like any driving violations you may have, the amount of liability insurance you need, if you own your own home, and what level of deductibles you need.

One of the many things used to calculate the policy price is where you call home in Florida. Densely populated urban areas like Hialeah, Miami Gardens, and Miramar tend to pay slightly more, whereas less populated areas have the luxury of lower rates.

The following table shows the most expensive places in Florida with multiple speeding tickets to purchase auto insurance in.

It’s impossible to miss the catchy commercials from auto insurance companies like Liberty Mutual, The General, and Allstate that make promises of enormous savings, so you should just pick the company with the catchiest ad, right?

Unfortunately, it’s just not that easy, as there are a whole bunch of unknown elements such as the likelihood of vehicle theft where you live, if you have a spouse, and the deductible level you need

Whether or not you can find affordable insurance for a Kia Optima in Florida hinges on a very complex rating algorithm that uses multiple factors like how old the vehicle is, if you have a lapse in coverage, and if you have any chargeable driving offenses.

Our editors always tell us that when writing about car insurance, the words cheap or affordable really should not be used anywhere in the article as a descriptor for car insurance rates. It’s just a fact that cheap auto insurance for a Chevrolet Traverse is pretty hard to find. But don’t despair, because we are going to show you how you can find and buy auto insurance that is cheaper than what you have now.

For Florida drivers, one of the factors that affect the cost of insurance is the neighborhood you call home. Areas that are more densely populated like Hialeah, Miami, and West Palm Beach tend to have more expensive car insurance rates, whereas cities that are not as densely populated can boast about having cheaper rates.

The illustration below ranks the most expensive cities in Florida for drivers over age 60 to buy car insurance in.