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Best Cheap Car Insurance in Florida for 2021

If you’re looking for cheap car insurance in Florida, comparison shopping is key. Rates for the same coverage options differ from one company to the next and are based on personal factors such as your age, driving record and credit history

To help simplify things, NerdWallet researched rates from 12 insurers in Florida and found the cheapest choices for several driver groups. We also have information on SR-22s and FR-44s in Florida, minimum coverage requirements, and no-fault laws in the Sunshine State.

Cheapest car insurance in Florida for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have lower insurance rates for young drivers, so it’s best to shop around to find them

Many insurance companies offer ways for young drivers to save, such as good student discounts for those in college or premium reductions for those who take a defensive driving course. If you live in an apartment, consider getting your renters and auto insurance from the same company to take advantage of bundling discounts

Cheapest full coverage car insurance in Florida for 20-year-olds

Drivers in Florida with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. State Farm: $3,265 per year.
  2. Geico: $3,560 per year.
  3. Allstate: $4,178 per year.
  4. Direct Auto: $5,235 per year.
  5. MetLife: $5,699 per year

Cheapest minimum coverage car insurance in Florida for 20-year-olds

Drivers in Florida who want just the state minimum coverage may want to check with these companies, which had the lowest average rates

  1. Geico: $757 per year.
  2. State Farm: $957 per year.
  3. Allstate: $959 per year.
  4. Direct Auto: $1,255 per year.
  5. MetLife: $1,571 per year

Cheapest auto insurance in Florida for 20-year-olds with poor credit

Drivers with poor credit in Florida should look at the following insurers with the lowest average rates for minimum coverage

  1. Direct Auto: $1,255 per year.
  2. Geico: $1,547 per year.
  3. Allstate: $1,734 per year.
  4. State Farm: $2,095 per year.
  5. Progressive: $2,971 per year

Cheapest auto insurance in Florida for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in Florida, here are the companies with the lowest average rates for minimum coverage

  1. Geico: $849 per year.
  2. Allstate: $1,385 per year.
  3. State Farm: $1,478 per year.
  4. Direct Auto: $1,721 per year.
  5. MetLife: $2,093 per year

Cheapest auto insurance in Florida for 20-year-old drivers after a DUI

  1. Geico: $957 per year.
  2. Allstate: $1,214 per year.
  3. Direct Auto: $1,347 per year.
  4. State Farm: $1,807 per year.
  5. Progressive: $2,253 per year.

Cheapest car insurance in Florida for 30-year-old drivers

By the time they reach their 30s, most drivers enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices

Drivers in their 30s can get lower rates by shopping around and taking advantage of car insurance discounts. You may be able to save by insuring multiple vehicles with the same carrier, or by bundling your auto policy with your home insurance. Also, keep an eye out for discounts based on your profession or affiliations; some insurers offer more affordable insurance rates for teachers, members of the military or alumni of certain colleges.

Cheapest full coverage car insurance in Florida for 30-year-olds

Drivers in Florida with clean driving records may get the lowest rates from these companies

  1. State Farm: $1,801 per year.
  2. Geico: $2,153 per year.
  3. Allstate: $2,662 per year.
  4. MetLife: $2,871 per year.
  5. Direct Auto: $3,068 per year.

Cheapest minimum coverage car insurance in Florida for 30-year-olds

Drivers in Florida who want their state’s minimum coverage can check with the following companies, which had the lowest average rates

  1. Geico: $503 per year.
  2. State Farm: $547 per year.
  3. Allstate: $728 per year.
  4. Direct Auto: $814 per year.
  5. MetLife: $822 per year.

Cheapest auto insurance in Florida for 30-year-olds with poor credit

Drivers with poor credit in Florida should consider the following companies with the lowest average rates for full coverage

  1. Direct Auto: $3,068 per year.
  2. State Farm: $3,304 per year.
  3. Geico: $3,711 per year.
  4. Allstate: $4,926 per year.
  5. Progressive: $4,950 per year.

Cheapest auto insurance in Florida for 30-year-old drivers with one at-fault crash

For drivers in Florida with a recent accident, here are the lowest average rate options for full coverage

  1. State Farm: $2,410 per year.
  2. Geico: $2,670 per year.
  3. Allstate: $3,745 per year.
  4. Direct Auto: $4,171 per year.
  5. MetLife: $4,376 per year.

Cheapest auto insurance in Florida for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. Geico: $2,718 per year.
  2. State Farm: $2,798 per year.
  3. Direct Auto: $3,234 per year.
  4. Allstate: $3,402 per year.
  5. Progressive: $3,711 per year.

Cheapest car insurance in Florida for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive

Ask about discounts for signing up for autopay, paying your premium in full rather than quarterly or monthly, and opting for electronic statements. If you own your home, consider insuring it with the company that provides your auto insurance; most carriers offer bundling discounts

Cheapest full coverage car insurance in Florida for 40-year-olds

Drivers in Florida with clean driving records may want to think about the following companies, which had the lowest average rates

  1. State Farm: $1,766 per year.
  2. Geico: $2,005 per year.
  3. MetLife: $2,652 per year.
  4. Allstate: $2,659 per year.
  5. Direct Auto: $2,680 per year

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates from an average of 14 insurers in each state and Washington, D.C., for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.
  • $300,000 bodily injury liability per accident.
  • $50,000 property damage liability per accident.
  • $100,000 uninsured motorist coverage per person.
  • $300,000 uninsured motorist coverage per accident.
  • Collision coverage with a $1,000 deductible.
  • Comprehensive coverage with a $1,000 deductible

These are rates generated through Quadrant Information Services. Your own rates will be different

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