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Get Cheap Car Insurance in Florida City, FL
We monitor insurance prices, helping the average driver in Florida City save up to 34.6% on car insurance.
The Cheapest Minimum Coverage in Florida City
The chart below shows the cheapest car insurance company in Florida City for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Geico, followed by State Farm, Gainsco, and Bristol West.
| Florida City Insurer | Monthly Cost |
|---|---|
| Geico | $155 |
| State Farm | $165 |
| Gainsco | $215 |
| Bristol West | $215 |
Savings for Every Kind of Florida City Driver
Based on our extensive insurance data, we know the average Florida City driver will save about 29% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $951 per year by choosing the right vehicle insurance company. Some Florida City residents are paying out over $3,251 extra every year for auto insurance in Florida City. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Florida City, FL Savings / Yr. |
|---|---|
$951 |
|
$1,397 |
|
$1,074 |
|
$1,063 |
|
$3,378 |
|
$923 |
|
$1,345 |
Florida City Car Insurance vs. Florida
People living in Florida City pay an average of 23.06% more than the typical driver in the state. The average driver in Florida City can expect to pay about $2,968 per year, or $3,251 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Florida City for most people.
Car Insurance Prices by Florida City Neighborhood
Insurance Prices
Where is insurance cheapest within Florida City?
The map shows insurance prices in and around Florida City, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $969 per year within the city boundaries, with insurance premiums ranging from a high of $3,547 to a low of $2,578. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Northwest parts of Florida City.Pick the Best Car Insurance Company for You in Florida City
The best car insurance provider for most drivers in Florida City
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $951 over the average Florida City car insurance company.
The best car insurance provider for Florida City drivers with accidents on their records
In our analysis, Geico saved the average person who had been in an accident the most, with annual savings averaging $1,397 over the competition.
The best car insurance company for Florida City drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $1,074 better than other car insurance companies.
The best auto insurance for Florida City drivers with a DUI conviction
Getting a quote from Geico may cost the average person with a DUI about $1,063 less each year.
The least expensive car insurance company for new and young drivers in Florida City
In Florida City, Geico costs young drivers $3,378 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Florida City
Geico gave the largest car insurance discounts to married couples, averaging $923 saved each year compared to an average Florida City couple's premiums.
The cheapest car insurance in Florida City for drivers with bad credit
The best Florida City car insurance company for customer service
Allstate was the best company for customer service in Florida City according to the NAIC.
Recent price drops
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The cheapest large national provider in Florida City
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Florida City driver can expect to pay about $156 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Florida City, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.Auto Insurance Prices in and Around Florida City
What Influences the Cost of Car Insurance in Florida City?
On average, car insurance in Florida City is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Florida City is 42 minutes, which is far more than average for a driver in the state.
- Florida state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Florida City are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of F according to CrimeGrade.org.
- Florida City is one of the most densely populated areas in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Florida City is $247 per month for minimum coverage and $271 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Homestead: Insurance costs 0.12% less
- Redland: Insurance costs 13.26% less
- Leisure City: Insurance costs 4.46% more
- Naranja: Insurance costs 5.38% more
- Princeton: Insurance costs 4.37% more
- Goulds: Insurance costs 5.26% more
- South Miami Heights: Insurance costs 5.78% more
- Richmond West: Insurance costs 0.37% less
- Perrine: Insurance costs 4.21% more
- Cutler Bay: Insurance costs 0.89% more
Cities with Similar Populations
- Henderson: Insurance costs 48.75% less
- Hammonton: Insurance costs 44.02% less
- Hampstead: Insurance costs 63.24% less
- Hanahan: Insurance costs 46.26% less
- Hanover: Insurance costs 38.17% less
- Harrison: Insurance costs 65.67% less
- Hartford: Insurance costs 66.23% less
- West Pensacola: Insurance costs 19.19% less
- Hatboro: Insurance costs 56.66% less
- Hayden: Insurance costs 65.58% less