When my husband and I moved to Florida, we knew that finding affordable car insurance would be a challenge. Florida is one of the most expensive states for car insurance, and we quickly found out why—high accident rates, uninsured drivers, and frequent storms all drive up prices.

At first, my husband’s car insurance quote was outrageously high—over $250 per month! That’s when I knew we had to start shopping around.

After researching multiple insurance providers, looking for Florida-specific discounts, and making a few adjustments, we were able to find a policy for just $118 per month—saving my husband over $1,500 per year!

If you’re looking for cheap insurance in Florida, here’s how we did it—and how you can lower your premium, too!

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Why Is Car Insurance So Expensive in Florida?

🚗 Florida has some of the highest car insurance rates in the U.S. because of:

✔ High Number of Uninsured Drivers – Over 20% of drivers in Florida don’t have insurance, which raises costs for everyone else.
✔ No-Fault Insurance Laws – Florida requires Personal Injury Protection (PIP), which adds to premiums.
✔ Frequent Hurricanes & Flooding – Natural disasters increase comprehensive insurance costs.
✔ High Accident Rates – Florida’s traffic congestion leads to more claims and higher premiums.

💡 The good news? There are still ways to lower your car insurance costs—even in Florida!

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Best Companies for Cheap Insurance in Florida

After comparing multiple insurers, we found that these companies offer the best rates for Florida drivers:

1. GEICO – ⭐ Best Overall for Cheap Insurance in Florida

✔ Average Cost in FL: $95–$140/month
✔ Why I like it: Offers low base rates and multiple discount opportunities.

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2. State Farm – ⭐ Best for Personalized Service

✔ Average Cost in FL: $105–$155/month
✔ Why I like it: Provides local agents to help customize your policy.

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3. Progressive – ⭐ Best for Customizable Coverage

✔ Average Cost in FL: $110–$160/month
✔ Why I like it: Allows you to adjust coverage levels and payment plans to fit your budget.

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4. Direct Auto Insurance – ⭐ Best for High-Risk Drivers

✔ Average Cost in FL: $120–$175/month
✔ Why I like it: Specializes in affordable coverage for drivers with past violations or lapses.

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5. Allstate – ⭐ Best for Bundling Home & Auto Insurance

✔ Average Cost in FL: $115–$165/month
✔ Why I like it: Offers significant discounts for bundling policies.

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How to Get the Cheapest Car Insurance in Florida

If you’re struggling with high insurance rates in Florida, here are proven ways to lower your premium:

✅ 1. Compare Multiple Insurance Quotes

💰 Savings: Up to $900 per year

• Florida rates vary wildly between companies.
• Get at least 3-5 quotes before choosing a policy.

✅ 2. Opt for a Higher Deductible

💰 Savings: 10-30%

• Raising your deductible from $500 to $1,000 can significantly reduce your monthly payments.

✅ 3. Take Advantage of Florida-Specific Discounts

💰 Savings: 10-40%

• Common Florida discounts include:
  ✔ Safe Driver Discount – If you’ve had no accidents for 3+ years.
  ✔ Low-Mileage Discount – If you drive under 7,500 miles per year.
  ✔ Multi-Car Discount – If you insure more than one vehicle.
  ✔ Bundling Discount – Combine home and auto insurance for extra savings.

✅ 4. Consider Usage-Based or Pay-Per-Mile Insurance

💰 Savings: 15-25%

• Programs like Progressive’s Snapshot® and Allstate’s Drivewise® track your driving habits and reward safe drivers.
• If you don’t drive often, pay-per-mile insurance could cut your bill in half.

✅ 5. Drop Unnecessary Coverage on Older Cars

💰 Savings: 20-40%

• If your car is worth less than $5,000, switching to liability-only insurance can drastically lower your premium.

✅ 6. Avoid Monthly Payments

💰 Savings: 5-10%

• Many insurers charge extra fees for monthly payments—paying for 6 months upfront can reduce your total cost.

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How My Husband Saved Over $1,500 on Car Insurance in Florida

When we moved to Florida, my husband’s first insurance quote was $258 per month—which was way too expensive. Here’s how we lowered his premium to just $118 per month:

✔ Checked quotes from GEICO, Progressive, and State Farm.
✔ Switched to GEICO because they had the lowest rate.
✔ Raised the deductible from $500 to $1,000 to lower the monthly payment.
✔ Bundled auto and renters insurance for an additional 10% discount.
✔ Signed up for a safe driving program (saved an extra 15%).
✔ Paid for 6 months upfront to eliminate monthly fees.

Final result: His monthly payment dropped from $258 to $118, saving $1,680 per year!

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FAQs About Cheap Insurance in Florida

🔹 Why is car insurance so expensive in Florida?
✔ Florida has high accident rates, frequent uninsured drivers, and strict no-fault laws, which increase premiums.

🔹 Which company has the cheapest car insurance in Florida?
✔ GEICO, State Farm, and Progressive typically offer the most affordable rates.

🔹 How much does full coverage cost in Florida?
✔ The state average for full coverage is $160–$220 per month, but discounts can lower it significantly.

🔹 Can I get insurance without a down payment in Florida?
✔ Some companies offer low or no down payment options, but monthly payments may be higher.

🔹 Does paying upfront lower my insurance costs?
✔ Yes! Many companies offer a 5-15% discount if you pay 6 months in advance instead of monthly.

🔹 Does Florida require full coverage insurance?
✔ No, but if you lease or finance your car, your lender will require full coverage.

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Final Thoughts: Get the Cheapest Car Insurance in Florida Today

If you need affordable car insurance in Florida, you don’t have to settle for sky-high rates—you still have options.

✔ Compare quotes from at least 3-5 companies to find the best deal.
✔ Raise your deductible to lower your monthly premium.
✔ Look for multi-policy and safe driver discounts.
✔ Consider paying in full to avoid extra fees.

By following these steps, you can cut your car insurance costs by hundreds—just like my husband did! 🚗💰