Guide to Securing Auto Insurance in Florida

Florida, ranking fourth nationally, is among the top states with the highest vehicle insurance costs. Moving from a lower-rate state can lead to unexpectedly high premiums due to stricter regulations and higher average costs.

The elevated rates are partly caused by Florida's large senior population, as it is a popular retirement destination. Additionally, the state's no-fault insurance laws influence premium prices.

Fortunately, affordable options are available. With patience and thorough comparison shopping, you can find car insurance rates in Florida that fit your budget. When requesting quotes, keep ready your zip code, age, marital status, and driving history. Major insurers such as State Farm, Geico, Allstate, Progressive, Travelers, MetLife, and Liberty Mutual serve Florida drivers.

Visit multiple insurer websites to compare quotes. You may notice substantial differences because each company evaluates your details differently, affecting premiums. Remember, rates also vary by city and neighborhood. It's advisable to obtain more than the minimum coverage required by Florida law, which includes $10,000 property damage liability and $10,000 personal injury protection. In no-fault states like Florida, personal injury protection covers injuries regardless of who caused the accident.