Compare Florida Car Insurance Quotes Side by Side

November 28, 2017

Florida Palm Trees

Florida is an unusual state for car insurance. The state minimum requirements are super-low, but the price of insurance is still really high. It’s difficult to find a policy that gives you adequate coverage without leaving you broke.

That’s why we’re gathered here today! You can use Compare.com to compare Florida car insurance quotes and find the best option. But how do you do that? And what should you look for in a policy? We’ll tell you.

Step 1. Understand the basics of Florida car insurance

Like we said, Florida car insurance requirements are weird. You don’t need to study all the quirks of state laws (that’s our job), but you should know these basic facts:

  • In Florida, all drivers must carry $10,000 in personal injury protection. Personal injury protection (PIP) covers expenses related to injuries you and your passengers suffer in a car accident, whether you’re the driver, passenger or a pedestrian
  • All Florida drivers must also have $10,000 in property damage liability, which covers damage you cause to other people’s property (like their cars)
  • You definitely want more coverage than these minimum requirements, so you can protect yourself, your vehicle and your assets

Step 2. Enter some basic information on Compare.com

Compare.com is absolutely free to use. We only need some basic information to securely deliver your personalized Florida car insurance quotes — we’ll never ask you for private info like your social security number. When you start here, it takes less than five minutes to enter the info: things like the type of car you drive, what type of job you have, and how long you’ve been driving.

Step 3: Choose your Florida auto insurance coverage levels

Once you’ve entered your driver information, it’s time to pick an insurance coverage level. This can be tricky. How are you supposed to know how much auto insurance you need?

Compare.com makes things easy by offering four levels of coverage: state minimum, Basic, Plus and Premium. In Florida, state minimum coverage is really minimal: $10,000 in PIP coverage, with a $1,000 deductible, and $10,000 in property damage liability. That’s it. You should only choose Florida’s minimum coverage if you can’t afford anything more than really cheap car insurance. Even then, you should consider upgrading when you’re financially able.

A slightly better, but still cheap, Florida car insurance option is the Basic level coverage. It’s the same as the state minimum, with two important additions: $10,000/person and $20,000/accident in bodily injury liability, plus $10,000/person and $20,000/accident in uninsured motorist bodily injury. Both these coverages protect you in important ways.

Bodily injury liability pays for expenses related to the injuries or death of others resulting from an accident for which you are legally responsible, as well as your legal expenses if you’re sued. Uninsured motorist bodily injury (UMBI) pays for your own medical expenses when an uninsured or unknown driver hits you. There are so many uninsured drivers in Florida — more than one in four — that it’s smart to carry UMBI. Basic Florida auto insurance can also include comprehensive/collision coverage, which pays for damage to your own car.

Both the Plus and Premium level coverages give you increased coverage limits and lower deductibles, as well as useful extras like a rental car and towing coverage. In Florida, Plus and Premium levels also include increased personal injury limits, to cover you and your family members, up to 100 percent of medical bills and up to 80 percent of lost wages as the result of an auto accident (check with your chosen insurer for specifics).

When you click “Customize coverage,” you can increase or decrease individual elements of your insurance coverage. And whichever level you choose, you’re not committed to it — you can change it as many times as you want before buying. That way, you can see what works for you and your budget. Hit “Save and get quotes,” and Compare.com will retrieve accurate, live quotes from Florida auto insurance companies.

Step 4: Compare Florida car insurance quotes side by side

Just as an example, we’ll run the numbers for a 28-year-old male driver who lives in Palmetto, Florida. He’s got a good driving record, and he owns a 2014 Nissan Rogue. His primary goal is to find really cheap Florida auto insurance, so he opts for the state minimum coverage level.

Company A

  • Per month, monthly plan: $98 plus $250 down
  • Per month, paid up front: $109

That’s really cheap… a little too cheap for our driver, who realizes he needs more coverage, as well as comprehensive and collision insurance on his car. (He just paid it off and you know that’s when bad things happen!) So he compares quotes again for Plus-level coverage.

    Company B

  • Per month, monthly plan: $195 (plus $195 down)
  • Per month, paid up front: $175

    Company C

  • Per month, monthly plan: $283 (plus $298 down)
  • Per month, paid up front: $266

Now two new companies are competing, and one is offering much cheaper quotes. That’s good — but can he keep Plus-level coverage and reduce the cost? He clicks “Select a coverage level,” then customizes the coverage to raise the comprehensive deductible to $1,000. He also gets rid of rental car and towing coverage. Now what happens when he compares Florida car insurance side by side?

    Company B

  • Per month, monthly plan: $183 (plus $183 down)
  • Per month, paid up front: $164

    Company C

  • Per month, monthly plan: $272 (plus $287 down)
  • Per month, paid up front: $255

His best choice is clear: Company B can give him robust and affordable insurance for just $164 per month. Keep in mind that this is just an example — depending on your coverage choices, your age, your driving record and other factors, you could find cheaper Florida car insurance. How much money could you save? There’s just one way to find out… start a quote on Compare.com.

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You could save up to 32% by using Compare.com!

Based on a survey of 100 California Residents. Average savings determined via a comparison of their selected policy against their self-reported annual premium.