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Drunk driving and auto insurance in the state of Florida

Florida is the 18th most affordable state to buy auto insurance in the United States, with an average annual insurance rate of $1364. Some cities in Florida, however, have extremely high auto insurance rates. Jacksonville, Fort Lauderdale and Miami are the most expensive cities in Florida in terms of auto insurance, while Tallahassee, Sarasota and Ocala are the most affordable cities. Even in the most affordable cities, you could be charged with exorbitant insurance rates under certain circumstances. Accidents and other traffic violations, for example, could lead to high premiums. Drunk driving charges will also result in increases on your premiums.

As of January 2014, the average annual auto insurance rate in Tallahassee is $1149. If you are charged with an alcohol-related offense, however, your premium will be increased to $2137. In Ocala, your premium will increase from $1168 to $2172. In Hillsborough and Sarasota, you could end up paying $2316 and $2325 per year to insure your car after a drunk driving conviction on your record.

In cities such as Jacksonville, Fort Lauderdale and especially Miami, a drunk driving conviction will result in an astronomical increase in your insurance rates. In Jacksonville, the average insurance rate is $1426, while the increased premium is $2652. In Fort Lauderdale, a drunk driving conviction increases average insurance rates from $1746 to $3248. In Miami, where the average insurance rate is already very high ($2526), an alcohol-related offense on your record could increase your premium to $4698.

There are some ways to bring down your insurance rates. One of the best ways to do so is by taking a defensive driving course. On completion of a defensive driving course, your insurance rates would come down to $3993 in Miami, $2761 in Fort Lauderdale, and $2254 in Jacksonville. In Tallahassee and Ocala, this would bring your insurance rates down to $1816 and $1846, respectively. Moreover, taking this course will also help you become a better driver.

A rise of 69.9% in insurance cost in Florida compared to 1989

Average insurance costs rose a whopping 69.9 percent in Florida in the 21-year period starting 1989 to 2010. The national average rose by 43.3 percent during that period. This places Florida on the list of thirty eight states where average costs went up by more than the national average. In dollar terms, the average auto insurance costs in Florida went up from $610.21 to $1036.76 between 1989 and 2010. When compared to states such as California (-0.3%), Hawaii (13.7%) and New Hampshire (15.9%), the rate change in Florida is drastic. In fact, at 2010 levels, Florida is the 5th most expensive state in terms of auto insurance.

As per a November 2013 study by the Consumer Federation of America, one of the main reasons for this rise in auto insurance costs in Florida is the lack of adequate regulation to keep rates low. States such as California have implemented strong regulation which not only enables them to control rate changes but also keep rates lower for the consumer. California has a Prior Approval system in which rates must first be approved by the state before they can be implemented in the marketplace. Florida’s system requires insurers to file rates before they can be implemented but there is no requirement for approval by the state.

One of the key features in California’s pioneering auto insurance regulation is the control over the criteria that determine rates in each case. The regulation in California requires insurers to give more weight to driving record, miles driven and years of driving experience (in that order) over other factors such as traffic density or ZIP code. This ensures that good drivers are able to get lower rates even if they live in, for instance, areas of high traffic density. This has led to overall rate of change of insurance costs in California being the lowest in the country. In fact, people in California paid $745.74 on average on 2010 whereas in 1989 they paid $747.97.

Putting strong regulation in place will bring down auto insurance costs in Florida if the impact of regulation on costs in other states across the country is anything to go by.

Florida Auto Insurance Rates

Below are the minimum, average and maximum insurance rate estimates for neighbourhoods in and around Florida, FL.

Lowest Rate:$1,000
Average Rate:$1,400
Highest Rate:$4,400

Recent Savings From Top Providers in Florida

Rank Customer Zipcode Amount Saved
1 33034 $407
2 32008 $400
3 32009 $398
4 32011 $396

Compare Auto Insurance Companies in Florida

Company A.M Best Rating on
Financial Strength
Year Founded
Progressive A+ 1937
State Farm A++ 1922
Allstate A+ 1931
GEICO A++ 1936
Nationwide A+ 1925
Liberty Mutual A 1912

Florida Auto Insurance Requirements

Minimum limits of liability for auto insurance in Florida as per FL State Laws

Bodily Injury Liability

  • $10,000 for death/injury of any one person, per accident.
  • $20,000 for all persons per accident.

Property Damage Liability

  • $10,000 per accident.

Florida Car Insurance Average Rates by Make

In addition to the location, one key factor that contributes to the insurance rates in Florida is the vehicle's make and model. Especially the vehicle's theft rates in Florida

MakeInsurance Average PremiumView Details
MakeInsurance Average PremiumView Details

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Latest Auto Insurance Reviews in Florida

Progressive

$42 per month

I am located in Palatka, FL, USA. I recently switched my insurance from Progressive to Geico because Progressive went up in payments. I currently am paying $42 per month for the Florida minimum, which is 10,000 bucks PPI and car coverage. I am currently driving a 2005 Dodge Caravan minivan. My record was good except it was recently suspended due to insurance lapse. I've never had an accident, and it's been more than 5 years since any speeding or seat belt tickets. I am currently married, but my husband has his own insurance through work since he drives a company vehicle. Right now I rate them 5 stars. That will change if they jump price though. I'm enjoying Geice so far, but I've only had it for a month now.

progressive , mary jones

$127. for 1 Month

I have been with Progressive for several year and so far have no complaints. My agent has been very helpful and informative. Keeping a clean driving record has help me keep my monthly payments down. Also got low rates for my son which just turn 16. My agent made the process so much easier and pleasant. I thought because of his age and inexperience driving we were going to pay a lot more for the down and the monthly payment, well I was proven wrong. Adding him to my insurance actually saved me money, and the monthly payments for us both its affordable. Thanks Progessive!

GEICO

$275 for 6 Months

My car insurance provider, Geico, is simply an amazing service. I have been a loyal customer of Geico for 5 years now and I just love the rates and discounts they offer for my Toyota. Geico has a superb customer service on the phone and online. I have had no issues with the monthly billing statements or anything for that matter. Geico has always given me a low quote compared to other insurance providers. One time my son went off to college and I didn't want to pay the extra driver. Geico was nice enough to include him only during holidays with no extra charge. That saved me tons of change! I have no driving accidents or any records and Geico rewards me for that. Plus, I don't use my car often - only for work, so the basic coverage works for my budget. I am 50 years of age and my son is 19. I LOVE Geico!