McKayla Girardin, Car Insurance Writer
@mckayla_girardin
No, car insurance in Florida is not cheaper than in South Carolina. South Carolina car insurance rates are an average of $612 per year cheaper than Florida, in part because South Carolina is typically less risky for drivers due to lower rate of car accidents and weather-related vehicle damage.
Average Monthly Cost of Car Insurance in Florida vs. South Carolina
Category | Florida | South Carolina |
Good Drivers | $193 per month | $142 per month |
Full Coverage Policy | $557 per month | $380 per month |
Young Drivers (16 to 19-year-olds) | $315 per month | $238 per month |
Older Drivers (55 to 65- year-olds) | $98 per month | $69 per month |
High-Risk Drivers | $167 per month | $113 per month |
Best Company Overall | The General | The General |
Note: Rates are an approximation based on a driver with minimum coverage. The "high-risk" category represents a driver with a DUI on their record. Where not noted, the driver is assumed to be a 45-year-old man. Actual rates will vary.
Drivers in Florida can still find cheap car insurance rates by comparing quotes from several different insurers regularly, taking advantage of available discounts, and having safe driving habits.
To learn more, check out WalletHub's picks for the cheapest car insurance companies in Florida and South Carolina.
People also ask
Why is Florida car insurance so expensive?
Car insurance in Florida is expensive because it is a no-fault state with the highest percentage of uninsured drivers in the country. In Florida, you can expect to pay around $6,685 per year for full coverage car insurance, compared to the national average of $4,211 per year. Car insurance in Florida is more expensive than the national average, which is around $4,211 per year for full coverage and about $1,407 per year for minimum coverage.
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read full answerHow can I get cheaper car insurance?
The best way to get cheaper car insurance is to compare quotes from multiple companies and then switch to whichever insurer offers the coverage you want at the cheapest rate. Other ways to get cheaper car insurance include taking advantage of discounts, improving your driving record, and raising your credit score.
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1. Compare quotes every 6-12 months.
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Common reasons for high car insurance costs include your driving record, age, coverage options, where you live, the car you drive, your credit history or not taking advantage of discounts. The average car insurance premium has also become more expensive as it increased by more than 50% in the past 10 years.
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