Driving incidents like at-fault accidents, speeding tickets, or DUIs can significantly impact your car insurance rates in Florida. Insurance companies often view drivers with incidents as high-risk, leading to higher premiums. But don’t despair, finding Cheap Car Insurance In Florida is still possible. This guide will help you navigate the process and secure affordable coverage.
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How Incidents Affect Florida Car Insurance Rates
Incidents on your driving record can drastically increase your insurance costs. For example, a DUI in Florida can result in a 99% increase in your premium compared to a clean record. Even a seemingly minor speeding ticket can lead to a 34% surge. This is because insurers use these incidents to assess your likelihood of future claims.
Cheapest Car Insurance Options After a Speeding Ticket
While a speeding ticket raises your risk profile, State Farm consistently offers some of the cheapest car insurance quotes in Florida for drivers with this violation. On average, Florida drivers with a speeding ticket pay around $183 per month for liability insurance. Comparing quotes from multiple companies is crucial to finding the best deal.
| Insurance Company | Avg. Quote with Clean Record | Avg. Quote with Speeding Ticket |
|---|---|---|
| State Farm | $69 | $83 |
| GEICO | $71 | $86 |
| Mile Auto | $113 | $135 |
Finding Affordable Coverage After an At-Fault Accident
At-fault accidents can lead to a significant increase in your insurance premiums, sometimes as high as 43%. In Florida, drivers with an accident on their record pay an average of $197 per month for liability coverage. State Farm often emerges as a cost-effective option for drivers in this situation. Remember to compare quotes to ensure you’re getting the lowest possible rate.
| Insurance Company | Avg. Quote with Clean Record | Avg. Quote with Accident |
|---|---|---|
| State Farm | $69 | $88 |
| GEICO | $71 | $92 |
| Mile Auto | $113 | $148 |
Securing Car Insurance After a DUI Conviction
A DUI conviction has the most significant impact on your insurance rates, potentially doubling your premiums. Finding coverage can be challenging, but not impossible. State Farm, while still offering competitive rates, may not always be the cheapest option after a DUI. Exploring insurers specializing in high-risk drivers is often necessary.
| Insurance Company | Avg. Quote with Clean Record | Avg. Quote with DUI |
|---|---|---|
| State Farm | $69 | $108 |
| GEICO | $71 | $111 |
| Mile Auto | $113 | $177 |
Tips for Finding Cheap Car Insurance in Florida with Incidents
Regardless of your driving history, there are steps you can take to lower your insurance costs:
- Compare Quotes: Use online comparison tools to get quotes from multiple insurance companies.
- Consider Discounts: Inquire about available discounts, such as safe driver discounts, good student discounts, and bundling discounts.
- Improve Your Driving Record: Maintaining a clean driving record moving forward will gradually lower your premiums over time.
- Take a Defensive Driving Course: Completing a defensive driving course can sometimes lead to discounts.
Finding the Right Coverage
Finding cheap car insurance in Florida after a driving incident requires diligence and research. By comparing quotes, exploring discounts, and improving your driving habits, you can secure affordable coverage that meets your needs. Remember that rates can vary significantly based on your individual profile, so comparing options is crucial.
