How To Shop And Save Money On Florida Car Insurance
Find the best and cheapest Florida car insurance
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Florida’s sunshine and beautiful beaches make it an attractive place to live, visit, or retire. However, drivers can be in for a shock when they start looking for car insurance, as Florida has some of the nation’s highest car insurance premium rates.
In this post, we’ll give you some ideas on how to shop for the cheapest and best car insurance in Florida.
Why Is Car Insurance in Florida So Expensive?
There are many factors that contribute to the cost of car insurance, but the biggest factor that drives costs in Florida is a surprising one: Florida ranks number one in the country for the highest number of uninsured drivers and this increases the costs associated with accidents that do occur. Car and Driver reports that 26.7% of Florida’s drivers carry no insurance at all, despite the state’s requirement that drivers carry a minimum of $10,000 each in property damage and liability coverage.
Other factors affecting car insurance prices in Florida include busy highways and the potential for catastrophic weather events, such as hurricanes and flooding. Florida also has a high number of what are deemed “high-risk” drivers.
How to Find Cheaper Car Insurance in Florida
With such a high rate of uninsured drivers, Florida’s rates are some of the highest in the nation. Still, if you are a good driver and you do your homework, you may be able to find good, affordable car insurance rates in Florida. Here are some tips for getting a good rate.
Shop Around and Get Quotes from Multiple Companies
Shopping around is an important step in finding a good car insurance rate and this is easy to do online. One of the attributes of doing this research online is that you can examine customer feedback about insurers.
Companies advertise their low prices and reasonable rates, but cost isn’t the whole story. You also should consider how a company treats its customers and addresses claims. Check out Clearsurance’s top-rated car insurance companies in Florida on the Clearsurance Car Insurance rankings page with recommendations based solely on 150k+ customer reviews.
Ask About Getting Multiple Policies With the Same Carrier (Bundling)
If you have more than one policy with the same company, you may be able to save money on your car insurance. “Bundling” your policies can save you money, so ask your insurer if this is available and evaluate your savings as a result.
Inquire About Other Discounts
Other discounts could include safe driver discounts or discounts because of reduced mileage/less frequent driving. Insurers may be willing to charge less if your circumstances change, such as not driving as frequently. Or, if you’re a senior, you might be able to lower your rates by taking a safe driver course.
Do Some Research Before Relocating
If you are thinking of moving to Florida or if you already live there but are considering moving to a new community, investigate insurance rates before deciding on a neighborhood. The location of your residence contributes significantly to your car insurance premium rates. By picking the right neighborhood for your next home or apartment, you could save big on your car insurance costs.
>>>>SEE ALSO: Watch our YouTube video "How to Find Cheap Car Insurance in Florida."
Top 3 Car Insurance Companies in Florida According to Customers
Using data found on Clearsurance.com as of June 2020, we’re highlighting the top three highest-rated companies, according to customer reviews submitted to Clearsurance.com. Below are the top three companies in Florida providing quotes on Clearsurance.com. We analyzed the Clearsurance.com reviews of each company and found trends of pros and cons that customers commonly discussed in reviews.
Please note: In order to qualify for the list, companies must sell car insurance in Florida, Have at least 25 car insurance reviews, and they must be a Clearsurance affiliate and offer quotes on the site. For a complete and updated list of the top-rated companies in Florida, you can visit the Florida car insurance rankings page.
Progressive is the highest-rated car insurance company that offers quotes on Clearsurance. Progressive offers many different types of insurance policies in addition to car insurance, including homeowners insurance, renters insurance, and motorcycle insurance. The company earned a score of 4.05 out of 5 stars for car insurance from Clearsurance reviews.
Pros: Some common benefits customers commonly described in Progressive reviews include an easy-to-use website, explains coverage well, transparent pricing, flexible billing options, and a variety of coverage options.
Cons: There are no common trends of cons that emerged from Progressive reviews.
Most Progressive policyholders tend to be happy with their experiences with the company. You can see that in the data below that was pulled from Clearsurance reviews.
- 80% say they’re likely to renew their Progressive policy,
- 77% say they would recommend Progressive to a friend, and
- 74% rated their Progressive claim experience positively.
In a Progressive review submitted to Clearsurance by a customer in Florida, the customer praises Progressive’s customer service. See review below.
Allstate is one of the country’s largest insurance providers. Customers on Clearsurance.com speak highly of their rates and services provided. Allstate holds the number 2 position of highest-rated companies in Florida out of all FL companies that offer quotes on Clearsurance.com and don’t sell only to an affinity group. Allstate’s overall score is 4.03 out of 5. You can see pros and cons trends found in Clearsurance reviews below.
Pros: As one of the nation’s largest auto insurance providers, Allstate is a household name. In reviews, customers sing praises about the easy-to-use website, Allstate’s flexible billing options, and their transparent pricing practices.
Cons: No clear “cons” emerge when examining customer reviews of Allstate. Issues that are mentioned tend to be case-specific, rather than common trends.
Allstate’s customers are loyal. Among Clearsurance reviews of Allstate:
- 80% state they’re likely to renew their policy.
- 78% would recommend to a friend, and
- 77% rate their claims experience as positive.
In a Clearsurance review, one Allstate customer in Florida explained their positive claim experience. See the review below.
Esurance is an insurance company with a modern approach. The company utilizes technology for their efforts to make insurance more transparent and simpler. Among all of the Florida companies that offer quotes on Clearsurance.com, Esurance ranks third with a score of 4.01 out of 5 stars.
Pros: According to customer reviews submitted to Clearsurance.com, strong themes emerge in terms of what people say Esurance does well. The pros include an easy-to-use website, the company explains coverage well, offers transparent pricing, flexible billing options, and a variety of coverage options.
Cons: While there aren’t many trends of cons found in Clearsurance.com Esurance reviews, one is that Esurance doesn’t reward loyal customers.
In an Esurance review submitted to Clearsurance from an Esurance customer in Florida, the customer discusses how easy it is to get an Esurance policy and praises the company’s website. See the review below.
The majority of Esurance customers who wrote reviews are generally happy with their policy. Among Esurance reviewers on Clearsurance.com:
- 74% said they are likely to renew their Esurance policy,
- 77% would recommend Esurance to a friend, and
- 75% rated the experience with a claim positively.
Best Car Insurance for Military Members: USAA
USAA is a very popular and highly-rated car insurance company. The company earned a score of 4.71 out of 5.00 stars.
Please note: USAA is the highest-rated car insurance company in Florida, but it was not included in the main top three list above because it is only available to active and former military members and their families. Find out if you’re eligible: Am I eligible for USAA insurance?
Pros: When analyzing USAA reviews that customers submitted to Clearsurance, positive trends emerged. Things that customers commonly say are pros of USAA include, an easy-to-use website, the company explains coverage well, transparent pricing, good discount offerings, flexible billing options, and a variety of coverage options.
Cons: There are no clear cons that emerged in trends in the USAA reviews. Customers may have negative case-specific experiences.
Based on the following data, you can see that USAA customers are very loyal and happy with their USAA insurance experience.
- 93% are likely to renew their USAA policy,
- 94% would recommend the company to a friend, and
- 94% rated their claim experience positively.
In a USAA review submitted to Clearsurance by a Florida customer, the customer talks about their experience with USAA after an accident. See the review below.
Best Car Insurance for Drivers Age 50 and Over: AARP Auto Insurance Program from The Hartford
AARP’s partnership with The Hartford is highly rated by customers, who cite the company’s good rates and great customer service. With its population of retirees, Florida has many drivers who qualify to join AARP, which is required to apply for insurance through the AARP Auto Insurance Program from The Hartford . The AARP Auto Insurance Program from The Hartford has an overall Clearsurance score of 4.63 out of 5 stars. It is also rated as one of the best car insurance companies for senior drivers.
Please note: The AARP Auto Insurance Program from The Hartford has a higher rating than the top three companies listed above. It was not included in the main list above because it’s only available to those who are 50 years of age or older and have an AARP membership.
Pros: Reviewers on Clearsurance cite transparent pricing, an easy-to-use website, and good discount offerings as reasons to choose car insurance through AARP Auto Insurance Program from The Hartford. The variety of coverage options, flexible billing, and the fact that company representatives clearly explain what is covered are also mentioned.
Cons: The most frequently listed “con” is that AARP Auto Insurance Program from The Hartford doesn’t reward loyal customers.
How popular is AARP Auto Insurance Program from The Hartford? Among reviewers on Clearsurance.com:
- 73% say that they are likely to renew their policies when renewal time comes,
- 79% say their claims experience was positive, and
- 81% would recommend AARP-The Hartford insurance to a friend.
In a review titled, “The Hartford & AARP Saved Me Gobs of Money“ an AARP Auto Insurance Program from The Hartford customer discussed how they were able to save money with this company. See the review below.
Best Car Insurance for Educators: Horace Mann Companies
If you’re a teacher or school employee, you may qualify for car insurance from Horace Mann Companies. Horace Mann is a highly-rated car insurance company in Florida. It earned a score of 4.04 out of 5.00 stars on Clearsurance.
Please note: Horace Mann Companies has a higher rating than the top three companies listed above. It was not included in the main list above because it’s only available to those who are educators or work in a school.
Pros: Among Horace Mann reviews, common pros mentioned include, explains coverage well, transparent pricing, good discount offerings, flexible billing options, and a variety of coverage options.
Cons: Reviewers say a negative factor about Horace Mann is that the company doesn’t reward loyal customers.
Horace Mann customers tend to have positive experiences with the company, as you can see in the following Clearsurance data.
- 79% are likely to renew their Horace Mann policy,
- 78% would recommend the company to a friend, and
- 85% rated their claim experience positively.
Top 3 Florida Companies Based on Customer Price Rating
When shopping for car insurance, price is an important factor to consider. You want to make sure that you’re getting a policy for a good price and that it’s a good value. We analyzed Florida companies and how customers rated the company for the price of their policies.
Below you can find the top 3 Florida companies rated for price. Please note: for this ranking, we looked at all car insurance companies in Florida that had at least 100 reviews that included a rating on price. The ratings displayed are shown out of a 5-star scale.
*USAA is only available to military members and their families. Read: Am I eligible for USAA?
While price is a very important factor to consider when shopping for car insurance in Florida, make sure to consider other factors as well, including customer service, policy coverage, and more. You can read customer reviews of a wide range of carriers on the Clearsurance website to learn about the experiences others have had with the companies.
Whatever your situation is, it’s smart to take time to research your insurance options when you’re shopping to find the best car insurance for you. For the most updated ranking of Florida car insurance companies based on thousands of customer reviews, visit Clearsurance’s best and cheapest car insurance in Florida rankings page. Be sure to get quotes from three or more companies when shopping to compare them.