Florida Car Insurance Rates

If you’re going to be relocating to the state of Florida soon and you own a vehicle, then obviously you will have to switch over your car insurance. This can be a stressful process, especially if you’re afraid that your insurance rates might increase significantly compared to what you paid previously. Here is an overview of Florida car insurance rates, so you can know what to expect before your move.

What is the Average Price for Car Insurance in Florida?

Mandatory Coverage

Unfortunately, if you have never lived in a no-fault insurance state before, Florida is one of them, which means that insurance prices tend to be significantly more expensive. The average cost of car insurance in Florida is about $1878 a year, nearly 32% more than the national average. If you’re not familiar with no-fault auto insurance, this type of insurance law states that if two or more vehicles are involved in an automobile accident, no one is considered to be “at-fault.” Therefore, everyone must file claims with their own insurance companies in order to pay for any damages that may have occurred. No-fault insurance is more expensive because drivers are required to add a state minimum amount of personal protection insurance (PIP).

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Can I Have Out of State Car Insurance in Florida?

A person that lives in Florida cannot have out of state car insurance, as this is illegal. Laws are different in each state, even in other states that have no-fault insurance laws, meaning that each state has its own specific minimum insurance amounts. If you move to the state of Florida, you have between 30 and 90 days to switch your insurance over to a Florida plan.

If you’ve lived in another no-fault state before, then you won’t be so shocked by the much-higher auto insurance costs in Florida, but if you haven’t, then you need to prepare yourself for a significant price hike. However, there are smart ways to keep your insurance as low as possible, regardless of Florida being a no-fault state. If you feel your insurance rate is too high, then don’t hesitate to check for better rates.

Florida Insurance Rates Factors

There are various factors that determine how much your car insurance rate will be, and many of these factors cannot be controlled. Factors like your driving record, credit score, age, gender, and marital status are all taken into consideration when it comes to determining your specific rate.

For instance, if you’ve had several tickets which have resulted in points being placed on your driving record, then your rates will be a lot higher than a person who has no points on their license. Males usually pay slightly less than females, while married couples can expect to pay less. Your credit score is also important, and if you have a poor credit score, then you should prepare yourself to pay a higher rate.

However, regardless of your gender, marital status, credit score or driving record, if you feel you are paying more than the average auto insurance costs in the state of Florida, then don’t settle; seek out quotes elsewhere, because you might be able to find insurance for significantly less than what you’re currently paying.

Why Choose Affordable Car Insurance Tampa

Affordable Car Insurance Tampa has been providing top notch and inexpensive car insurance for Florida residents for several years, helping to save them as much money as possible. Affordable Car Insurance Tampa has several convenient locations, or you can opt to contact them by phone. Affordable Car Insurance Tampa has friendly, knowledgeable, and very helpful licensed insurance agents who will go above and beyond to provide you with the absolute best service.

If you feel you’re paying inflated car insurance prices for whatever reason, the efficient licensed agents at Affordable Car Insurance can find you some cheaper rates. There is no reason to settle for paying more money than you have to for high quality car insurance, because Affordable Car Insurance caters to its customers and will search for coverage that is as low as possible. So, if you’re interested in paying the absolute lowest car insurance rates possible, give Affordable Car Insurance Tampa a call today.