You can get pay-per-mile insurance in Florida from Allstate Milewise and Nationwide SmartMiles. Pay-per-mile insurance is a type of car insurance policy that charges drivers a daily or monthly base rate plus a few cents for each mile driven. Each policyholder’s base rate is calculated according to normal car insurance rating factors, such as driving record, age, and ZIP code.
Notable Pay-Per-Mile Insurance Companies in Florida
Pay-per-mile insurance can be an easy way for Florida drivers to save if they use their cars infrequently. For example, retirees, remote workers, and students who walk to class can benefit from pay-per-mile insurance. Individuals or families with an extra car that is rarely used should also consider pay-per-mile coverage.
Yes, Metromile offers full coverage insurance for customers who choose to buy it. Metromile sells all the components of full coverage, including liability, collision, and comprehensive coverage, plus any type of insurance that a state might require, such as uninsured motorist insurance or personal injury protection.
Current and potential Metromile customers can call the company at 1-888-242-5204 to ask about the coverage that is available in their state. For more information, check out WalletHub’s Metromile car insurance review.
In Florida, drivers need $10,000 of property damage liability insurance and $10,000 of personal injury protection. Florida does not require uninsured motorist protection, which replaces the liability coverage an at-fault driver should’ve had and pays for your costs up to your policy limits. Coverage like MedPay or personal injury protection pays for medical expenses for you and your passengers, and PIP is required in Florida.… read full answer
Here’s How Much Car Insurance Drivers Need in Florida:
If you lease or finance your car, you may be required to carry coverage types that are not mandatory under Florida law. Lenders usually require comprehensive and collision insurance. Collision insurance covers repairs to your car when you hit another car or object. If the damage to your vehicle was caused by something other than a collision—like a natural disaster, vandalism, falling objects, or animals—it is most likely covered by comprehensive insurance. You might also have to get gap insurance, which covers the difference between what you owe on your loan and what the vehicle is worth at the time of a total loss.
Even if you’re not required to carry these optional coverage types, you may still need them. You can learn more about when to drop optional coverage and the penalties for driving without insurance in Florida to make sure you’re paying for the coverage you need.
Car insurance in Florida costs $68 per month for minimum coverage and $267 per month for full coverage. The cheapest car insurance companies in Florida are USAA, Geico, and Liberty Mutual, but insurers calculate premiums differently, so it’s a good idea to get quotes from more companies to find the best deal.… read full answer
Average Cost of Car Insurance in Florida by Category
Clean driving record: $68 per month
After an at-fault accident: $100 per month
Driver with poor credit: $133 per month
Teen driver: $215 per month
After a DUI: $106 per month
The average cost of car insurance in Florida is 13% higher than the national average auto insurance premium, and Florida ranks 36 out of 50 for the most affordable car insurance rates in the U.S. There are several factors that affect how much you’ll pay for car insurance in Florida, including your driving record, age, location, the amount of coverage that you purchase, and the insurance company you buy it from.
Finally, it’s worth noting that car insurance premiums in Florida are average, compared to the cost of coverage in neighboring states like South Carolina and Georgia. You can find more details in the table below.
Cost of Car Insurance in Florida vs. Neighboring States
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