Who has the Cheapest Car Insurance in Florida?

The cost of car insurance is influenced by many factors. Any insurance company cannot have the cheapest policy for every scenario, given the variable nature of different factors. It is unwise and outright irrelevant to look for the cheapest Florida car insurance at https://floridainsurancequotes.net/florida-auto-insurance/ without delving into the specifics. Consider the distinct elements that differentiate you as an applicant and subsequently as an insured. Search for the cheapest car insurance in Florida bearing in mind your profile and hence requisites and eligibility.

Cost of car insurance depends on age, record of driving, credit history, type and value of car, purpose and frequency of use, deductibles, exemptions and of course the actual coverage sought. To simplify your quest according to https://floridainsurancequotes.net/florida-auto-insurance/, factor in the most common types of car insurance in the state. There are policies for good drivers, those who have poor credit, drivers that have been at fault in a crash, those who do not drive their cars much and hence qualify for low mileage policies, quotes for minimum insurance coverage, there are military discounts available and of course the typical no-fault policy in the state.

The cheapest car insurance in Florida for excellent or good drivers who have a decent credit history is offered by State Farm. The second and third most affordable policies for such applicants come from GEICO and Liberty Mutual. State Farm has a premium of $1,914 per annum, GEICO costs $2,102 per year and Liberty Mutual policy is $2,306 a year.

Those who do not have a good credit score can go for Liberty Mutual, State Farm or GEICO, in that order. Liberty Mutual has a policy for such applicants that cost $3,362 per year. A similar policy from State Farm costs $3,396 per year and GEICO charges $4,064 per year.

Drivers who have a crash in their record wherein they were at fault will get the cheapest policy from State Farm. GEICO comes next and Liberty Mutual also has a favorable policy. These three large insurers have relatively reasonable policies for low mileage drivers and for those seeking minimum coverage or standard comprehensive coverage. USAA is a better option for those who have a military connection.

There are many smaller insurance companies operating in the state of Florida according to https://floridainsurancequotes.net/florida-auto-insurance/. They do not always have policies for every profile. Their statewide presence is also limited. Some zip codes are excluded from their coverage. However, some of the smaller insurers often have much better quotes.