Car Insurance Florida Drivers Voted #1. How Much Is It Per Month?

According to recently conducted research, Florida is the third highest ranking state in the U.S. for auto rates averaging $2,219 annually. This is nearly double the national average of $1,457. The reason why car insurance Florida motorists purchase is so high is due to the amount of high-risk and uninsured drivers. This is quite unfortunate for all the careful drivers out there.

A recent IRC study claims that Florida is home to over 26% of uninsured drivers nationwide. Not only are Florida car insurance rates high because of lack of responsible drivers, it is also due to severe weather emergencies. For example, annual hurricanes and the fact that Florida is a no-fault state. According to , this simply means that each party is responsible for paying for their own damages, regardless of who crashed into who. With all these risks in mind, it is important to insure yourself with the company that is willing to cover all emergencies for the lowest price.

Factors that Affect Rates

Auto insurance in Florida, much like any other state, is solely dependent on how risky a person is. Risk factors include age, driving history, vehicle type, credit score, zip code, and more. Very few people have the same monthly rates because of these factors, so it’s up to each person to find the cheapest rate depending on their lifestyle. Do they play by the rules or live life on the edge?

How to Achieve the Best Monthly Rates

While people don’t have much control over their age,which has a major impact on personal rates. Most people do have control on the majority of the other factors. says young drivers are typically risky to insure because they have the least experience on the roads. So if you’re in your teens or early twenties, focus on being the safest and most responsible driver possible. That way you receive the lowest rates possible, especially in Florida.

Credit score is another factor that can skyrocket your monthly rates. According to world wide web, most companies will charge 90% more than the average rate if you have low credit scores. Lastly, vehicle models and driving records can significantly affect your monthly rates. When it comes to car shopping, think the safest car possible because it’s easier and cheaper to insure. Unlike insuring a sports car. Finally, keep your driving record clean of any tickets and accidents. Companies will be happier to insure you if you’re not a troublemaker.

How to Secure a policy in Florida

The best way to secure auto insurance Florida drivers want is to shop and compare at . Remember rates will depend on the personal factors previously listed. Always make sure to compare policies because there is no flat rate in the world of auto coverage. Make sure you sign on with a company that offers full coverage for a fair price. That way there is no need to worry about the number of high-risk drivers sharing the roads with you in the Sunshine State.