Unfortunately, driving history is a big rating factor in determining premium and that's especially true in no-fault states like Florida. With two at-fault accidents within a year in addition to your years of driving experience, it's going to be challenging to find affordable insurance.
There is no set dollar amount for a starting payment as rates vary by company and situation. It is common that your initial payment is more expensive if you were without insurance before you begin your new policy.
In the majority of instances, it is less expensive to add your child to your existing policy than getting separate coverage. This is mainly due to the fact that your child will not qualify for as many discounts on their own as they will by being added to your policy.
Auto insurance rates vary based on a multitude of factors. All things being equal, there is still a possibility that your rates will differ from what others pay due to personal factors like credit, zip code, household residents, and driving history.