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Get Cheap Car Insurance in Florida, NY
We monitor insurance prices, helping the average driver in Florida save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Florida
The chart below shows the cheapest car insurance company in Florida 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 Kemper, followed by Plymouth Rock Assurance, Safeco Insurance, and Geico.
| Florida Insurer | Monthly Cost |
|---|---|
| Kemper | $86 |
| Plymouth Rock Assurance | $115 |
| Safeco Insurance | $123 |
| Geico | $129 |
Savings for Every Kind of Florida Driver
Based on our extensive insurance data, we know the average Florida driver will save about 30% 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 $699 per year by choosing the right vehicle insurance company. Some Florida residents are paying out over $2,343 extra every year for auto insurance in Florida. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Florida, NY Savings / Yr. |
|---|---|
$699 |
|
$445 |
|
$890 |
|
$901 |
|
$2,206 |
|
$738 |
|
$1,176 |
Florida Car Insurance vs. New York
People living in Florida pay an average of 3.37% less than the typical driver in the state. The average driver in Florida can expect to pay about $1,700 per year, or $2,343 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Florida for most people.
Car Insurance Prices by Florida Neighborhood
Insurance Prices
Where is insurance cheapest within Florida?
The map shows insurance prices in and around Florida, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $100 per year within the city boundaries, with insurance premiums ranging from a high of $2,375 to a low of $2,275. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Southwest parts of Florida.Pick the Best Car Insurance Company for You in Florida
The best car insurance provider for most drivers in Florida
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $699 over the average Florida car insurance company.
The best car insurance provider for Florida drivers with accidents on their records
In our analysis, Kemper saved the average person who had been in an accident the most, with annual savings averaging $445 over the competition.
The best car insurance company for Florida drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $890 better than other car insurance companies.
The best auto insurance for Florida drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $901 less each year.
The least expensive car insurance company for new and young drivers in Florida
In Florida, Progressive costs young drivers $2,206 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Florida
Progressive gave the largest car insurance discounts to married couples, averaging $738 saved each year compared to an average Florida couple's premiums.
The cheapest car insurance in Florida for drivers with bad credit
The best Florida car insurance company for customer service
Recent price drops
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The cheapest large national provider in Florida
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Florida driver can expect to pay about $183 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, USAA has the best prices for drivers with bad credit, drivers with speeding tickets, drivers with a DUI conviction, drivers with accidents, good drivers, married couples, and young drivers.Auto Insurance Prices in and Around Florida
What Influences the Cost of Car Insurance in Florida?
On average, car insurance in Florida is actually less expensive than the rest of the state. These low 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:
- New York 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 are lower than average 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 A+ according to CrimeGrade.org.
- Florida is a lightly populated area in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Florida is $142 per month for minimum coverage and $195 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
- Snufftown: Insurance costs 2.13% less
- Wisner: Insurance costs 3.88% more
- Warwick: Insurance costs 0.43% more
- Goshen: Insurance costs 1.15% more
- Sugar Loaf: Insurance costs 3.71% more
- Chester: Insurance costs 4.18% more
- New Hampton: Insurance costs 0.68% less
- Greycourt: Insurance costs 3.16% more
- Pine Island: Insurance costs 1.28% more
- Slate Hill: Insurance costs 1.07% less
Cities with Similar Populations
- Dover Foxcroft: Insurance costs 59.41% less
- Dilley: Insurance costs 27.27% less
- Dillwyn: Insurance costs 46.99% less
- Dilworth: Insurance costs 33.72% less
- Dimmitt: Insurance costs 23.09% less
- Seven Valleys: Insurance costs 44.47% less
- Divide: Insurance costs 19.38% less
- Sergeant Bluff: Insurance costs 48.83% less
- Doney Park: Insurance costs 26.25% less
- Donora: Insurance costs 40.50% less