To lower car insurance rates in Florida, drivers can compare quotes, look for discounts, and potentially consider reducing their coverage. How much your specific car insurance policy costs will also depend on your age, your car, and your driving history. As a result, a safer car, defensive driving classes, and improved performance behind the wheel could help you save, too.
On average, full coverage car insurance in Florida costs about $6,685 per year, and state-minimum coverage costs around $2,313 per year.
How to Lower Car Insurance Costs in Florida
1. Compare quotes.
Drivers in Florida can save an average of $3,084 per year just by shopping around and picking the car insurance company with the best rates. To start, you can compare quotes from WalletHub’s picks for the best car insurance companies in Florida.
2. Look for discounts.
You may be eligible for car insurance discounts such as usage-based, good driver, and good student.
3. Take a defensive driving class.
If your insurer offers it, you can take a defensive driving class to receive an auto insurance discount. This discount may apply for several years.
4. Reduce your coverage.
If you cannot afford your current car insurance payments, you could consider reducing your coverage down to Florida’s minimum coverage requirements. Drivers in Florida are required to carry at least personal injury protection and property damage liability.
Alternatively, if you already have minimum coverage, you could consider switching to a car that’s cheaper to insure.
To learn more, check out WalletHub’s picks for the cheapest car insurance companies in Florida.
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