Florida is well known for its coastal location and high hurricane risk, leading drivers to pay higher than average car insurance premiums. Furthermore, busy roads and high population density increase your chance of collision – though luckily there are factors within your control to help keep premiums at a manageable level.

MoneyGeek conducted extensive research on Florida car insurance rates to gain an insight into what factors drive up rates here, such as age, credit rating and the amount of coverage purchased. With our car insurance calculator you can quickly obtain a personalized quote estimate to find a policy within your budget.

Your age can have a dramatic impact on your Florida car insurance premiums. Younger drivers tend to incur higher rates as they’re seen as more likely to cause accidents, while middle-age drivers often enjoy reduced premiums with more years of driving experience under their belts. Your age also plays a key role in whether or not discounts such as multi-car or safe driver are applicable in Florida.

Your Florida auto insurance costs depend heavily on the make and type of car you drive, with certain models costlier due to higher repair costs, theft risks and accident probabilities than others. Furthermore, adding optional coverage such as comprehensive or collision can have an effect on your rate as well.

Selecting an adequate car insurance policy in Florida requires thoughtful consideration of both your needs and budget. Our car insurance calculator can assist in identifying both the minimum legal coverage required in Florida as well as optimal options to protect your assets. It is important to remember that even though Florida’s minimum required policy may fulfill legal requirements, it doesn’t provide adequate protection in case of a catastrophic accident.

Where you live also has an impactful cost impacting car insurance in Florida; urban dwellers typically pay more due to higher risks associated with accidents and theft in urban settings.

MoneyGeek recommends you compare quotes from top-rated car insurance providers in Florida in order to secure the most cost-effective coverage at an affordable rate. Our car insurance comparison tool makes this easy; just enter your personal details once and receive customized Florida car insurance quotes from multiple providers in about 10 minutes. In addition, MoneyGeek ranked Liberty Mutual as the best Florida auto insurer based on user-friendliness and customer service quality; click any company below for more information regarding pricing and coverage!