Car Insurance for Good Drivers in Florida

The Zebra
July 15, 2019

Car insurance for good drivers in Florida

Some of the factors contributing to car insurance rates are out of your control: your age, location, and gender are typical rating factors over which you don’t have much say. But there are a few factors you can control if you're looking for affordable rates.

If you want to minimize your insurance expenditure, try to keep your driving record cleaen, your credit score solid, and your monthly driving mileage low. Car insurance companies are willing to provide price breaks to customers who present relatively little risk, so low-risk driving behaviors can lead to a price cut.

See below a breakdown of the best companies with which to start your car insurance search if you’re a low-risk customer in Florida.

Auto insurance rates for drivers with no citations in Florida

One of the easiest ways to pay less for car insurance is to maintain a good driving record. Car insurance companies see good drivers as less risky customers and in turn, charge them lower premiums. If you remain on the right side of the law, you could enjoy lower car insurance rates.

If you’ve steered clear of violations in recent years, start your insurance search with USAA, with average annual premiums of $1,030. That sums to $466less than the average car insurance rate for citation-free drivers in Florida.

CHEAP CAR INSURANCE COMPANIES FOR DRIVERS WITHOUT VIOLATIONS IN FLORIDA
Insurance CompanyAvg. Annual Auto Insurance Rate
USAA$1,030
State Farm$1,986
Allied$2,192
GEICO$2,276
21st Century$2,436
Hanover$2,633
Allstate$2,772
Mercury$2,845

Auto insurance rates for drivers with high credit scores in Florida

Auto insurance companies reward clients who maintain a solid credit history. Car insurance companies see drivers with good, very good, or excellent credit scores as financially responsible and more likely to file claims or miss payments.

If your credit score sits within the "good" tier, your top option for car insurance in Florida could be USAA, offering average rates of $1,030. If your credit score is in the “excellent” range, USAA might be a smart place to start your search. USAA's premiums for clients with credit scores of 800 or better are $978 per year less than the average car insurance rate for drivers with excellent credit in Florida.

Find below a breakdown of auto insurance rates in Florida for drivers with good, very good, and excellent credit scores.

CHEAP CAR INSURANCE COMPANIES FOR DRIVERS WITH GOOD CREDIT IN FLORIDA
Insurance CompanyAvg. Annual Auto Insurance Rate
USAA$1,030
State Farm$1,986
Allied$2,192
GEICO$2,276
21st Century$2,436
Hanover$2,633
Allstate$2,772
Mercury$2,845

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH VERY GOOD CREDIT IN FLORIDA
Insurance CompanyAvg. Annual Auto Insurance Rate
USAA$866
State Farm$1,811
GEICO$2,026
Allied$2,047
Hanover$2,278
21st Century$2,335
Mercury$2,403
Allstate$2,456

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH EXCELLENT CREDIT IN FLORIDA
Insurance CompanyAvg. Annual Auto Insurance Rate
USAA$756
State Farm$1,659
Hanover$1,828
GEICO$1,838
Allied$1,886
Mercury$2,018
21st Century$2,276
Allstate$2,284

Compare rates from top companies!

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Car insurance for occasional drivers in Florida

The fewer miles you drive, the less likely you are to be involved in a collision. That’s the logic auto insurance companies use to charge infrequent drivers less. If you don't exceed the threshold of 7,500 miles per year, you could save some money on auto insurance each month. Exactly how much you can save by driving fewer miles comes down to your insurance company's pricing practices.

If you're a Florida resident who drives only infrequently, consider USAA, offering average annual savings of $571 for low-mileage customers.

AFFORDABLE CAR INSURANCE COMPANIES FOR LOW-MILEAGE DRIVERS (<7,500 MILES/YEAR) IN FLORIDA
Insurance CompanyAvg. Annual Auto Insurance Rate
USAA$925
State Farm$1,742
21st Century$2,087
GEICO$2,119
Allied$2,192
Allstate$2,568
Hanover$2,633
Mercury$2,845

Start your search today — compare rates now!

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Insurance rates for good drivers in Florida — in major cities

Car insurance rates don't depend only on the state in which a driver resides — their city and ZIP code matter, too. Auto insurance companies rate policies by the driver’s home ZIP code, adjusting rates for the risk levels associated with various regions.

Find below a breakdown of auto insurance rates for drivers with positive rating factors in five of the most populous cities in each US state.

CityAvg. Rate — No IncidentsAvg. Rate — Good CreditAvg. Rate — Very Good CreditAvg. Rate — Excellent CreditAvg. Rate — Low Mileage
Jacksonville$1,697$1,697$1,529$1,387$1,420
Orlando$1,699$1,699$1,527$1,381$1,403
Tampa$2,162$2,162$1,941$1,751$1,755
Miami$2,548$2,548$2,287$2,065$2,023
Hialeah$2,586$2,586$2,320$2,094$2,059

Find an affordable policy today!

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