Are you living in Florida and searching for cheap auto insurance? Then you are in the right place. HTD will discuss the detail of the companies and their price.
As we all know that auto insurance depends on the following factors, such as age, history of drivers, location, and many factors. HTD search a lot and find the cheapest auto insurance companies in Florida. You will get the best rate and the sufficient details of the company. After doing a lot of research and hard work, our team found the best cheap auto insurance in Florida. Now, let’s get started without ado.
List of companies:
Now, have a look at the companies given below.
| No | Name of Company | Annual Amount |
|---|---|---|
| 1 | State Farm | |
| 2 | Geico | $2205 |
| 2 | Metlife | $2301 |
| 3 | Direct auto | $2528 |
| 5 | Allstate | $2818 |
Why car insurance rate changes?
The rate varies from person to person. It depends on various things which we will discuss below.
Type of car:
The type of car also affects the premium amount. The new car has more chances of an accident, so the amount of car insurance is high as compare to the other cars. Please keep in mind that new cars are at risk of being theft.
Driver’s record:
Are you a crazy driver? If yes, then ask yourself an honest question about your history. If you submit a claim in past years, then your premium will be high. Please keep in your mind that keeping good driving habit makes your life easy and simple.
Miles, you drive:
It is clear that the more you drive, the more is the risk of getting accidents. So make sure you drive less so the company will give you low rates.
List of companies
State Farm:
Founded in 1922
Website: https://www.statefarm.com/
As you can observe in the name of state farm that this is for farmers. In 1922, when the farming is not producing enough income, the Farmer created a State Farm. This company provides insurance to the automobile of farmers. The owner expands its business in many aspects. They add millions of insurance policies to the company policy. Have a look at the insurance according to the age, which is as follows.
State farm car insurance Rates by Age:
| No | Group | National Average Rates |
|---|---|---|
| 1 | Single 25-year-old female | $1468.63 |
| 2 | Single 25-year-old male | $1330.05 |
| 3 | married 35-year-old female | $1204.67 |
| 4 | married 35-year-old male | $1204.67 |
| 5 | married 60-year-old female | $1098.01 |
| 6 | married 60-year-old male | $1098.01 |
Pros:
- Easy to file a claim.
- Good customer service.
Cons:
- The insurance agent may vary.
- Maybe high rates for poor credit.
Geico:
Founded in 1936
Website: https://www.geico.com/
This insurance company is for Government employees. Geico is for the civilians so they can get benefits from this company. In 1956, the student invested in the Geico. The main purpose of the company is to gain people’s attention and get more users. This company also uses the famous slogan “15 minutes could save 15 percent or more”. This slogan means that life is important than anything else. Now have a look at the insurance rate according to the age of the person.
Geico car insurance Rates by Age:
| No | Group | National Average Rates |
|---|---|---|
| 1 | Single 25-year-old female | $1365.47 |
| 2 | Single 25-year-old male | $1269.18 |
| 3 | married 35-year-old female | $1119.03 |
| 4 | married 35-year-old male | $1133.91 |
| 5 | married 60-year-old female | $1052.97 |
| 6 | married 60-year-old male | $1067.04 |
Pros:
- Easy to file a claim.
- Good value for the money.
- Rates are lower than average
Cons:
- Claim updates are slower.
- It is sometimes challenging to connect the agent.
MetLife:
Founded in : 1868
Website URL: https://www.metlife.com/
https://www.metlife.com/
Metlife is promoting equality among the people in the world. It also provides relief from Covid-19 issues. It provides the facilities for life insurance, automobile at low rates. It is part of the global community. It is the most famous company in the United States of America.
Pros:
- For all people
- Provides auto acceptance
- Online quoting tool
- The customer complaint ratio is 0.13
Cons:
- Insurance is slim
- Limited amount of information on MetLife
Direct Auto:
Founded in : 1991
Website URL: https://www.directauto.com/
With direct auto insurance, you are comfortable with their terms and condition. Direct auto is providing many things and financial aid. You can use auto insurance with some extra charges. It is at the forth on the list because of the customer’s complaint. It provides much financial aid and other things as well.
Pros:
- Medical benefits
- Short and long term insurance
- Employee discount package
Cons:
- Poor customer service
- High complaint rates.
Allstate
Founded in: 1931
Website: https://www.allstate.com/
Allstate was the first company that uses the age of the car to provide insurance. It aims to offer cheap car insurance to the people. People are pleased with its services because of its claim, but the company has not the highest rank.
In the survey, people gave it a few stars because of its performance. Nearly 80 percent of people recommend Allstate, and the rest of it didn’t like it. Ten percent of the people are not satisfied.
Allstate Rates by Age:
| No | Group | National Average Rates |
|---|---|---|
| 1 | Single 25-year-old female | $2012 |
| 2 | Single 25-year-old male | $2097 |
| 3 | married 35-year-old female | $1853 |
| 4 | married 35-year-old male | $1838 |
| 5 | married 60-year-old female | $1716 |
| 6 | married 60-year-old male | $1763 |
To understand the reason behind a bad reputation. Let’s have a look at the Pros and cons of the Allstate.
Pros:
- Great customer service.
- Easy to claim
Cons:
Price is not acceptable.
Cheap auto insurance for Good driver in Florida:
After discussing the detail of the top five cheap insurance in Florida, as we discussed earlier, many factors affect insurance policies, so here is one example of good drivers. Let’s have a look at the list according to the performance of the driver.
| No | Name of Company | Annual Amount |
|---|---|---|
| 1 | State Farm | |
| 2 | Geico | $2205 |
| 3 | Metlife | $2301 |
| 4 | Direct auto | $2528 |
| 5 | Allstate | $2818 |
Cheapest minimum coverage:
If you are looking for the cheapest minimum coverage for Florida people, then have a look at the list. After reading this, you will get an idea of the minimum insurance.
| No | Name of Company | Annual Amount |
|---|---|---|
| 1 | State Farm | |
| 2 | Geico | $937 |
| 3 | Metlife | $1096 |
| 4 | Direct auto | $1200 |
| 5 | Allstate | $1253 |
Cheapest for good drivers with low income in Florida:
If you are good and having less income, then you can get the list of companies as given below.
| No | Name of Company | Annual Amount |
|---|---|---|
| 1 | State Farm | $2528 |
| 2 | Geico | $3226 |
| 5 | Metlife | $3283 |
| 4 | Direct auto | $3950 |
| 5 | Allstate | $5252 |
Rating of Companies:
This rating is based on customers’ view that shows which company is better among them all.
| No | Name of Company | Ratings |
|---|---|---|
| 1 | State Farm |
|
| 2 | Geico |
|
| 3 | MetLife |
|
| 4 | Direct Auto |
|
| 5 | Allstate |
|
The above rating is based on the customer’s satisfaction. It is clear that the state farm stood at the top of the list and provide high quality and reliable products to the customers.
Frequently Asked Questions
Is any discount is available in Florida?
Yes, you can get a discount on auto insurance in Florida. It depends on the following factors, such as your driving history and much more. When getting paid, they consider the following factors, such as your marital status, employment, and many other factors. Almost most people get a discount in Florida, so no need to worry.
How can I get full coverage for cheap?
If you are facing a problem in getting cheap full coverage for automobiles, then you should try these tips given below. It may help you to get a better and cheap insurance policy for your car.
Step 1:
Select “ Pay in Full” instead of “ Pay monthly.” By doing this, you will save the bundle of amount
Step 2:
Now, increase your deductible from $500 to $1000.
Step 3:
Click on “Talk to an Advisor” and ask what you can do to get cheap insurance for the car.
Now, you can easily get cheap car insurance for your car.
Who has the cheapest full coverage auto insurance?
Many companies offer the cheapest full coverage auto insurance is as follows.
| No | Name of Company | Amount |
|---|---|---|
| 1 | Liberty Mutual | $1778 |
| 2 | Progressive | $1766 |
| 3 | USAA | $1023 |
| 4 | Geico | $1198 |
Can I get insurance without a down payment?
Some companies are offering no down payment that may offer many things. You can also get insurance without down payment from the website or from the third party, which means there are still some companies offering insurance with no down payment.