Who has the cheapest car insurance in Florida?

Who has the cheapest car insurance in Florida? Many of us wonder the same thing. Keep reading below to find out which companies can provide you with the coverage you want.

Cheapest Car Insurance Florida

If you are looking for coverage you can afford, it just makes sense to want to start right at the very top. To that end, we have a few companies that are worth a look. These rates are calculated for drivers that have good credit and a clean driving history via https://floridainsurancequotes.net/florida-auto-insurance/.

  • Progressive ($155): At around $155, Progressive is often the cheapest solution for those who are looking for car coverage in this state. Just keep in mind that all of these figures are an average estimation. Progressive has a good reputation for both affordability and customer service.
  • Geico($175): Many people prefer the reputation of this company, which is one of the best to be found anywhere in the state.
  • State Farm ($159): One of the biggest things with State Farm is the sheer size and options with this company. They are one of the most reliable examples of a company in Florida that you could hope to find.
  • Allstate ($165): This is a little more expensive than some of the other averages you will come across. Nonetheless, this is another company with a considerable reputation.

What else can I do to receive the cheapest coverage?

There are a few things you can do in order to lower rates in FL. Always check if you are eligible for these discounts when shopping for a new policy.

  1. First, see if you can take a safe driver course. You can find these classes at the DMV.
  2. Next, let your insurer know you are married or finished with college. You will get lower rates for being married or for having a college degree so let them know!
  3. Try to improve your credit score. It will definitely improve your rates.

Be aware that there are also minimums when it comes coverage in FL. These are the protection levels that you will need to maintain to legally drive a vehicle in the state. Many prefer to go for more than the bare minimum when shopping for insurance according to https://floridainsurancequotes.net/florida-auto-insurance/.

This is due to the fact that minimum insurance will rarely be enough, in the event of a serious accident. If others are involved in the accident, then you could be looking at an even more complicated situation. No one wants to be stuck with just the bare minimum, if not less than that.

At the same time, you also don’t want to find yourself stuck with a less-than-stellar company. As you can imagine, there are tons and tons of options out there, if you are looking for an experienced, reputable, and reliable coverage. Let’s get your options down to the very best. From there, it will be easy to head online for some insurance quotes.

What You Need to Know About Florida Home Insurance

Residents of Florida are very aware that it pays to plan ahead. That’s why they rely on home insurance. Florida sees more than its share of wild weather. Wildfires, tornadoes, flooding, hurricanes, sinkholes and many other disasters pop up now and then and change the landscape all around us. It’s not just big, earthshaking events that have an effect, either. Things like a fire on the stove, a burglary, or a lightning strike can also hit us when we’re least expecting it.

You never know when you’re going to need to rely on the peace of mind and security of home insurance. Florida home insurance is an indispensable backstop for the value of the largest investment you’re ever likely to make: your home.

Insurance: Not Necessarily Required, But Wise

The laws of Florida do not require homeowners to carry home insurance according to https://floridainsurancequotes.net/florida-homeowners-insurance/. Most people understand that it’s common sense to safeguard the largest investment they’re ever likely to make with proper insurance. Homeowners insurance can pay to repair, or even entirely rebuild your home in the event of a catastrophic loss.

If you own certain classes of pets, or have a swimming pool in your yard, many cities and towns require that you carry liability coverage to pay damage or injuries to others, or their property, through home insurance. Florida lending institutions usually require full coverage on your home, including fire, liability, and even flood insurance in certain designated zones for homes mortgaged through them. Some Homeowners Associations have similar, or even more stringent requirements.

Know Your Coverage

Florida home insurance is offered in packages of specific coverage for different dangers and eventualities, broken down into four categories:

  • Structure: Your home itself.
  • Other structures: Things like sheds and fences.
  • Personal property: All your possessions that you keep in and around your home.
  • Loss of use: If you lose the ability to use your home, ALE, or additional living expenses are covered to keep you housed until repairs are made to your damaged dwelling.

Property Coverage

Structures, other structures, and personal property all come under the heading of Property Coverage. Property coverage will pay for loss or damage to covered dangers to the structure of your house plus its furniture and other contents and the belongings of your family members who reside with you. Depending on the coverage, it will pay for damage to outbuilding, sheds, freestanding garages, and even small boats and other similar items that are stored there. Your policy will list these covered items clearly.

Property insurance includes limited coverage for other items you may own, including jewelry, furs, electronics and firearms if they are lost, stolen, or damaged. You can usually add additional coverage if you need it for higher liabilities.

Homeowners insurance may also cover your children’s possession when they attend college. According to https://floridainsurancequotes.net/florida-homeowners-insurance/, even if they live on campus and not with you. Home policies do not cover your vehicles, however.


Additional living expense (ALE) coverage is designed to pay some of the added costs of living elsewhere while repairs are being made to a covered home that is made unlivable by an accident or disaster. This coverage is triggered when a civil authority like the police or emergency management require you to evacuate your home for any reason for a period of time.

Personal Liability

Personal Liability coverage protects you in the event of a lawsuit or other claim against you for bodily injury or damage to other people’s property. For example, if your next-door neighbor fell down in your driveway and sued you for his injuries, your policy would pay any legal judgment against you, and your lawyer’s fees up to the limit of your policy.

How to Shop for RV insurance in Florida

When it comes to trying to find the absolute best RV insurance out there in Florida most policy seekers will probably be inundated with so much information that they find it difficult or even almost impossible to sort through.  Of course, there’s certainly nothing wrong with options, right?  If one wants to get the most fitting policy however it will require some homework, so be sure to take notes when you’re emailing, chatting or speaking with representatives on the phone. 

What providers are available in Florida? 

Aside from its wonderful year-long weather and recreation-centric zones, Florida is just one of those states that retirees seem to want to flock to.  Because of this, as well as the increased number of RV’s on the road therein, loads of different providers have cropped up to offer their own competitive rates and policy benefits.  Among them, https://floridainsurancequotes.net/rv-insurance-quote/ is perhaps the most significant: 

What does the average Florida RV insurance policy actually cover? 

Driving around in an RV is not like owning a car, obviously.  Not only are they fairly bulky and cumbersome (compared with their smaller counterparts) but they’re also stocked full of your belongings as well.  Naturally, this can make RV owners feel somewhat apprehensive because it’s very likely that they’ve heavily invested in their vehicle(s) and should anything happen to it they’ll be in a really bad situation. 

This is why the average Florida RV insurance policy covers not only liability concerns, but also comprehensive protection against personal / passenger damage, loss of property as well as other things like theft and more.  When you’re traveling around with what is basically a portable home and your entire livelihood and daily sustenance / amenities are contained therein you really cannot afford to not have insurance.  Protecting your RV is a no-brainer because it is in fact – an investment, of sorts. 

How do you find the best RV insurance in Florida?

Looking at the above list it would be easy to say that the best / most desirable policy will come from the company that’s the most popular or “visible”.   Maybe you’ve already seen a few of their commercials on tv and are thinking to yourself “well, that’s the way I’m going to go, I like their advertising”.   Needless to say, this is a mistake according to https://floridainsurancequotes.net/rv-insurance-quote/.  One should never purchase a policy based on popularity alone, and there are a number of reasons as to why this is the case. 

First off, just because they have a large clientele list doesn’t mean that they are gong to offer the best options.  In fact, it might be that because a company has more income and success that they will increase their rates or even be more selective about those they seek to cover.  Take your time and compare and contrast everything you can find from as many companies as possible, being careful to weigh any and all options on the table.