Florida Car Insurance Calculator

Florida Car Insurance Calculator

Florida Car Insurance Calculator

A variety of factors affect Florida auto insurance rates, including how much coverage and deductible you get and your location. We’ve collected thousands of rates to help you make an informed decision about which policy meets your needs and budget best. Simply enter your ZIP code to view sample rates for a 30-year-old driver with good credit driving a 2015 Honda Civic EX fully covered (50/100/25 in bodily injury/property damage liability as well as collision/comprehensive) on a 2015 Honda Civic EX full coverage policy!

ValuePenguin research indicates that Florida drivers pay an average car rental cost of $754 annually for their vehicle. While this number may appear higher than the national average of $727, remembering that not every driver is treated equally can result in large price variations depending on individual driving histories and other considerations.

Attributes such as your driving history and vehicle choice play an integral part in determining your auto insurance costs; but coverage choices have a much bigger effect. Although most states require minimum levels of protection, you could save by opting for lower deductible policies instead.

Another way to cut costs and save is by reducing coverage limits and maintaining continuous insurance. Furthermore, MoneyGeek’s tool can help you discover whether or not your insurance provider offers discounts.

An effective strategy for saving is choosing an insurer with an excellent customer satisfaction rating, such as Allstate, Amica Mutual or Nationwide in Florida according to J.D. Power’s 2020 U.S. Car Insurance Satisfaction Study. Furthermore, using WalletHub’s calculator you can assess the impact of having poor credit on your rate as well as find companies who may accept you despite it.

Cost of car insurance also depends on your age and gender, which are both controllable through lifestyle choices and shopping around frequently. Teen drivers typically pay more due to less experience on the road and higher risk of accidents; this rate difference begins to diminish once drivers reach 30 and can demonstrate safe driving practices.

Car insurance rates can also differ based on where a driver lives, due to differences in crime and accident rates across areas. We gathered information from five popular cities that showcases how rates for different driver types vary along with an estimate for how much their premiums could cost on average.

For more information about how insurance companies calculate rates in Florida and other states, visit our guide to state car insurance rates. You’ll gain insight into specific requirements in each state as well as access our Department of Insurance consumer helpline in case any queries or problems arise that need resolution.