The type of car you drive is just one variable car insurance Quotes companies plug into their formulas to determine how much to charge you. Depending on the vehicle and insurance company, the cost of car insurance can vary by hundreds of dollars a year for the same driver.

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Car Insurance Quotes, Comparison In Florida & How To Car Insurance Calculator

Factors that affect a car insurance quote

Your car make and model aren’t the only factors that go into an auto insurance quote. Others include:

Car Insurance Quotes, Comparison In Florida & How To Car Insurance Calculator

Personal characteristics like age, gender and marital status. For example, teen drivers have higher car insurance quotes on average than any other age group.

The coverage you choose. The more coverage you have, the higher your insurance rates are likely to be.

Your driving record. A recent DUI, speeding ticket or at-fault accident can raise your rates.

Your location. Every state has different car insurance minimums, and factors like your neighborhood’s crime rate and population density will affect your insurance price.

Your credit score. Drivers with poor credit typically have higher car insurance rates. Insurers use a credit-based insurance score, which is different from your regular credit score, to determine the likelihood you’ll file a claim. A credit-based insurance score is determined by factors like payment history and outstanding debt, but not personal information like income or occupation. California, Hawaii and Massachusetts have banned insurers from using credit scores when calculating car insurance rates.

Your car insurance history. This can include whether your car insurance has lapsed, insurance claims, how long you’ve been with your insurer and your last insurance company.

Car Insurance Quotes?

Tip One: Driver-Related Car Insurance Discounts

Driver-related car insurance discounts can be significant. These usually include having a clean driving record, with no speeding tickets, traffic violations or accidents, as well as being what is considered a safe driver. There are also often auto insurance discounts for things like the driver being older and experienced, a college graduate, and a homeowner. Driver discounts vary from insurance company to insurance company.


Tip Two: Policy-Related Auto Insurance Discounts

There are many common types of policy-related auto insurance discounts. Chief among these are bundled discounts which involve multiple vehicles or multiple types of policies. If you are a renter or a homeowner, adding renters insurance or homeowners insurance through the same company that carries your car insurance usually gives a discount. There may also be discounts for paying in full rather than making monthly payments, setting-up an automatic electronic payment through your checking account, and for choosing paperless billing for your car insurance premiums.


Tip Three: Vehicle-Related Car Insurance Discount

In addition to driver- and policy-related auto insurance discounts, many companies offer reduced rates related to the vehicle that is being insured. Security and safety elements for the vehicle, such as airbags, anti-lock brakes, vehicle recovery systems, and anti-theft devices may lower your car insurance premiums.

Car Insurance Quotes? Comparison In Florida? How To Get Cheaper Car Insurance Calculator!
Car Insurance Quotes? Comparison In Florida? How To Get Cheaper Car Insurance Calculator! 6

Comparison In Florida?

Cheapest full-coverage auto insurance rates in Florida

Drivers may also find cheap prices with State Farm. Of the companies we surveyed, State Farm was one of two with average rates that were cheaper than the typical cost of coverage in Florida. We found that Allstate was the most expensive option for car insurance in the state.

Car Insurance Quotes? Comparison In Florida? How To Get Cheaper Car Insurance Calculator!
Car Insurance Quotes? Comparison In Florida? How To Get Cheaper Car Insurance Calculator! 7

State Farm has the cheapest car insurance for people who have gotten a speeding ticket. On average, State Farm’s rates for these types of drivers are 50% cheaper than the state average.

Geico also has cheap rates for drivers with a speeding ticket — although Geico’s rates are $680 more expensive than State Farm’s.

CompanyAnnual rateMonthly rate
State Farm$1,839$153
Geico$2,520$210
Allstate$4,227$352
Progressive$6,112$509

Based on our research, the cheapest cities for minimum coverage in Florida are:

CityAverage annual minimum coverage premiumAverage monthly minimum coverage premium
Ponce de Leon$707$59
Marianna$709$59
Malone$709$59
Greenwood$709$59

If you live in one of these four cities, you may pay less for full coverage than other areas of Florida:

CityAverage annual full coverage premiumAverage monthly full coverage premium
Santa Rosa Beach$1,752$146
Freeport$1,757$146
Defuniak Springs$1,770$148
Alachua$1,775$148

Methodology

Analyzing 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

Car Insurance Quotes? Comparison In Florida? How To Get Cheaper Car Insurance Calculator!
Car Insurance Quotes? Comparison In Florida? How To Get Cheaper Car Insurance Calculator! 8

Deciding on How Much Car Insurance You Need

Everyone has different car insurance needs. Factors may vary including, how much can one afford each month, the number and price of assets that need to be protected and the value of the vehicle. Generally speaking, purchasing more insurance is better than less and more coverage with a slightly higher deductible is a good trade-off. Be sure to compare auto insurance quotes for different insurance types, investigate available policy discounts and make the decision that works best for you and your car insurance needs.