Driving through the Everglades or taking a road trip up the Atlantic Coast are a couple of amazing adventures you could have in Florida. However, paying too much for commercial auto insurance quotes Florida means you have less money for your upcoming adventure.
We looked at estimated insurance rates across various insurance companies and calculated the average cost of commercial auto insurance Florida and the cheapest estimated rates on basic coverage for several different driver profiles. We used a neutral driver profile for all calculations unless otherwise stated.
For instance, our Florida driver, who drives a car worth between $20,000 and $30,000, has no claims, infractions, or accidents. That makes it simple for us to compare rates among insurers (see our full methodology for more information). Your rates may vary based on your driving record and other variables that affect car insurance, such as mileage, age, vehicle type, and coverage options.
Continue reading to discover Florida’s typical auto insurance rates as well as our research on the least expensive choices for fundamental coverage.
If you own a business in Florida and have been in an accident where you were at fault, you might be wondering how to safeguard your commercial vehicles going forward. Commercial auto insurance can help with that. To find the best coverage at a reasonable price, it’s crucial to shop around and compare commercial auto insurance quotes in Florida. Florida may offer affordable commercial auto insurance, but it’s crucial to make sure the coverage is adequate for your needs.
Florida business auto insurance is crucial for safeguarding the vehicles used by your company and ensuring that you can pay for any damages or injuries sustained in an accident.
To find the best deal for your company, you can quickly compare Florida auto insurance rates online and get auto insurance Florida quotes. It’s crucial to obtain car insurance quotes that cover the particular risks in cities like Tampa and Orlando. A Florida commercial auto insurance provider can guide you through the rules and specifications for Florida commercial vehicle insurance and make sure you have the protection you need for your company. Get your commercial car insurance Florida policy in place right away to enjoy peace of mind while driving. Don’t wait until it’s too late.
Cheap car insurance in Florida 2024 in Detail:
Depending on the type of coverage and driver profile, Florida’s average monthly car insurance premiums can range from just over $50 to close to $250.
5 cheapest car insurance companies in Florida 2024:
Based on our unique Florida driver profile, these are the five cheapest auto insurance providers in Florida for minimal coverage. This Florida driver has no tickets or coverage gaps, a car worth $20,000 to $30,000, and a credit score between 680 and 719. (see full methodology for more information).
Don’t worry if you don’t exactly fit our Florida driver profile because we’ve also looked at the cheapest car insurance for drivers with various credit outlooks, coverage options, and other characteristics that affect car insurance.
Allied-
Basic auto insurance from Allied could be purchased for as little as $34.33 per month for our Florida driver profile. Allied, a subsidiary of Nationwide, offers specialised insurance through independent brokers. Allied also provides coverage benefits for property damage, medical expenses, roadside assistance, and lost wages.
Mercury-
Mercury was established in 1961 and offers insurance for cars, houses, apartments, renters, businesses, and machinery. The cost of basic auto insurance for our Florida driver profile could be as low as $35.75 per month. A complete range of coverage options are also available from Mercury, including extras like roadside assistance and rideshare insurance if you work as a driver for an organisation like Uber or Lyft. Additionally, any repairs carried out by a Mercury-approved auto shop come with a lifetime warranty.
Geico-
Geico offered cheap basic auto insurance for our Florida driver profile for $38.44 a month. Geico stands out for its extensive list of discounts, which includes savings for having particular vehicle equipment, upholding safe driving practises, holding particular jobs or affiliations, and being a devoted customer.
State Farm-
Basic auto insurance for our Florida driver profile could be obtained from State Farm for as little as $40.83 per month. Along with a variety of coverage choices, State Farm also provides ridesharing services and full coverage. State Farm also offers discounts tailored to young drivers, such as the Steer Clear programme for those under 25.
Security National Insurance-
Basic coverage for our Florida driver profile is available from Security National Insurance for as little as $44.33 per month. Under the guise of Foremost, an affiliate of Farmers Insurance, Security National offers insurance in Florida. Customers can also look for loan/lease coverages, rental reimbursement, bodily injury, medical payment, uninsured/underinsured motorist, and roadside assistance coverages.
It’s crucial to have auto insurance if you drive in Florida in order to safeguard both yourself and other road users. Consider GEICO, which provides affordable insurance quotes in Florida. It’s crucial to compare prices from various providers when looking for car insurance in Florida in order to find the best coverage at a reasonable cost. You can compare Florida auto insurance quotes on Insuranceforyourcars.com to find the cheapest auto insurance. Remember that different factors, including your age, driving record, and location, affect how much car insurance rates in Florida.
In Florida, there are many options for auto insurance providers, so do your homework and find the one that best suits your requirements. If you’re searching for cheap auto insurance in Florida, take into account options like raising your deductible or choosing a lower level of protection. GEICO, State Farm, and Allstate are a few of Florida’s best car insurance companies. It’s important to remember that Florida auto insurance rates are governed by the state, so there won’t be much of a price difference between providers.
However, you can still save money by comparison shopping and locating Florida’s most cheap car insurance rates. You can quickly compare Florida car insurance rates and find the best offers at insuranceforyourcars.com for cheap Florida auto insurance. Don’t go without car insurance in Florida – protect yourself and your vehicle on the road.
Cheapest full-coverage car insurance in Florida 2024:
Auto insurance with full coverage can differ from one company to another. In this context, it alludes to a policy that covers collision, comprehensive, uninsured motorist, personal injury protection, bodily injury, and property damage.
The following five businesses offer Florida drivers who fit our profile the most affordable estimated full-coverage options.
| 1 | Mercury | $147.02/month |
| 2 | State Farm | $176.28/month |
| 3 | Geico | $202.92/month |
| 4 | Travelers | $209.07/month |
| 5 | Allied | $212.78/month |
Cheapest state-minimum car insurance in Florida 2024:
State-minimum coverage, which your state requires in order to legally register and operate a vehicle, is at the other end of the insurance coverage spectrum from full coverage. It frequently costs the least amount of insurance you can carry and typically covers both bodily injury liability and property damage liability.
For Florida drivers only interested in the minimum required by the state, the following companies have the lowest estimated rates.
| 1 | Allied | $34.32/month |
| 2 | Mercury | $35.75/month |
| 3 | Geico | $38.45/month |
| 4 | State Farm | $40.87/month |
| 5 | Security National Insurance | $44.35/month |
Cheapest car insurance for good credit in Florida 2024:
A lower premium for your auto insurance might be available if you have good credit. To determine auto insurance premiums, many insurers use a credit-based score, which may favour those with good credit.
For Florida drivers with good credit and a score of 720 or higher, these five companies offer the most affordable basic coverage auto insurance.
| 1 | Mercury | $27.02/month |
| 2 | Allied | $28.54/month |
| 3 | Geico | $30.47/month |
| 4 | State Farm | $32.12/month |
| 5 | Travelers | $34.96/month |
Cheapest car insurance for poor credit in Florida 2024:
Even if your credit score isn’t perfect, there is some good news. Your car insurance premiums may be reduced by additional factors like a history of careful driving and car use.
The following companies offer the most affordable basic insurance rates for motorists with bad credit.
| 1 | Allied | $49.84/month |
| 2 | Mercury | $57.04/month |
| 3 | Direct General Insurance | $58.18/month |
| 4 | Security National Insurance | $58.37/month |
| 5 | Geico | $69.33/month |
Cheapest car insurance for drivers with multiple claims in Florida 2024:
Your car insurance premium may also be impacted by your claims history. If you have a history of making numerous claims, your auto insurance premiums will probably go up.
For drivers with a history of claims, the following companies offer the most affordable estimated rates for basic auto insurance.
| 1 | Geico | $61.01/month |
| 2 | Allied | $70.36/month |
| 3 | Security National Insurance | $77.13/month |
| 4 | Mercury | $78.94/month |
| 5 | State Farm | $83.12/month |
Cheapest car insurance for young drivers in Florida 2024:
Looking for your first auto insurance coverage? Sadly, assuming all other factors are equal, you might have to pay more for auto insurance.
For Florida drivers between the ages of 18 and 21, the following companies offer the most affordable basic coverage estimates.
| 1 | Allied | $47.72/month |
| 2 | Security National Insurance | $52.54/month |
| 3 | Mercury | $52.63/month |
| 4 | Geico | $55.07/month |
| 5 | State Farm | $59.92/month |
Florida auto insurance requirements 2024:
According to Florida law, all registered vehicles must be covered by liability and PIP insurance. PIP and PDL coverage must both be at least $10,000 for drivers.
Is usage-based insurance available in Florida 2024?
Usage-based insurance is auto insurance that lets customers pay premiums in accordance with how they drive. Drivers in Florida can monitor their driving patterns and potentially reduce their premium costs by using usage-based insurance.
FAQs about the cheapest car insurance rates in Florida 2024:
What is the cheapest car insurance in Florida 2023?
According to our driver profile, Allied has Florida’s cheapest state-required minimum auto insurance at $34.33 per month.
What is the average cost of car insurance per month in Florida 2024?
Depending on the type of coverage you select and other factors like your age, driving history, and vehicle, your monthly car insurance premiums in Florida can range from under $35 to over $250.
How can I lower my car insurance in Florida 2024?
There are several ways to reduce the cost of your auto insurance. You might decide to reduce your vehicle’s coverage or select a higher deductible, for instance. Additionally, you can shop around to ensure that you are obtaining all of the discounts to which you are entitled, such as those for safe driving practises or grouping several policies with one insurer.
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