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Florida has many risks when it comes to driving in the state, and there are laws in place to help people out financially if they run into one of these risks. With over 250,000 miles of roads in the state, not only are accidents a potential risk, but weather, theft, and other perils can also be experienced. Outside of this, there are many drivers in Florida who are operating motor vehicles without insurance. Due to this, insurance plans that include uninsured motorist coverage and underinsured motorist coverage are essential. The first step to getting the right automobile insurance plan for you is knowing what the minimum requirements for auto insurance in Florida are.

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Florida Car Insurance Laws And Minimum Requirements

Each state, outside of New Hampshire, has minimum coverage requirements for automobile insurance. Florida is no exception to this, with laws and regulations in place to help in case automobile accidents occur. Car insurance plans help protect people from significant expenses related to accidents. If a person is injured in an automobile accident, the costs you could be liable for could range up to $20,000, $30,000, or more. Property damage is another liability that a person can have if they are found to be at fault in an accident. This doesn’t include damage to yourself or your property, where other non-required types of insurance can be extremely helpful.

The minimum limits for car insurance in Florida include $10,000 of personal injury protection per accident and $10,000 of property damage liability coverage per accident.

How Much Is Car Insurance In Florida?

Auto insurance premiums in the state of Florida are above the national average, meaning people pay more on average for car insurance in the state. Each person has premium costs that are determined using a formula determined by the car insurance company they select. One of the top ways people find cheaper car insurance is through shopping around to different automobile insurance carriers. This is one of the best ways to save money on car insurance because each provider uses different formulas to determine rates.

The average premiums for car insurance in the state of Florida are $135, which is higher than the national average of $89. Your rates could be higher or lower than the average in the state. This is due to factors like age, gender, the location where you live, the type of vehicle you are driving, and many other variables.

Which Florida Cities Have The Most Expensive Car Insurance?

Location is one of the variables used by insurance providers to determine your automobile insurance premiums. Each city, ZIP Code, and neighborhood can have different averages overall. Some of the most expensive states to get insurance in Florida include West Palm Beach, Miami, Tampa, and Boynton Beach. There are many cities in the state, and some states have average insurance prices less than 50% of the cost of the highest policies. Some of the cities to find the cheapest car insurance include Palm Coast, Panama City, Daytona Beach, and Tallahassee.

Factors That Affect Car Insurance Rates In Florida

Like most other states, the formulas that car insurance companies use can vary from one to the next. Even so, certain variables are impactful regardless of which automobile insurance provider you choose. Sometimes formulas might not weigh these variables as much as others, leading to variation in premiums from one insurance provider to another.

A person’s driving record has a significant impact on their automobile insurance rates. People with clean driving records pay less on average for automobile insurance. Also, some locations are deemed to be at higher risk of theft, vandalism, weather, and other causes. Some of these variables may not have as great of an effect on what you pay for car insurance because of the type of plans you are purchasing. If you buy a policy that does not protect you in the cases of theft or vandalism through comprehensive insurance, as an example, you might not pay more or less due to this type of risk in your area. The same goes for discounts for anti-theft devices.

Get A Free Florida Auto Insurance Quote Today

At Florida Discount Insurance, you get many benefits. One of these is free car insurance quotes. Get the best information about automobile insurance plans in Florida, including access to the top car insurance providers. Comparing auto insurance prices from multiple companies is the best way to save money and find the cheapest rates for car insurance available. Getting a policy that suits your needs is essential, and using the tools here, you can check rates with higher deductibles, lower deductibles, and in various amounts. Make sure you get the minimum limits for auto insurance here at Florida Discount Insurance and find the best prices available today.

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