Finding out which companies have the best auto insurance rates for active military in Florida requires a little more work in order to find a policy that fits your budget.
Each insurance company uses a slightly different approach to establish rates, so let's take a look at the auto insurance companies with the overall cheapest rates in Florida. It's a good idea to be aware that Florida auto insurance rates are based on many factors that can increase the price you pay for coverage. Turning one year older, moving across town, or getting a few speeding tickets can trigger changes in premium resulting in some companies being cheaper in comparison to the competition.
Find the Cheapest Auto Insurance for Military
USAA normally has some of the lowest car insurance rates in Florida at around $957 per year. Electric, Amica, Progressive, and Allied also qualify as some of the cheaper Florida insurance companies.
As shown above, if you have coverage with Amica and switched to USAA, you might realize savings of around $807. Customers with Progressive might save as much as $890 a year, and Allied customers might lower prices by up to $969 a year.
If you want to see how much you could save, click here to start your custom quote or quote rates from the companies below.
Remember that these rates are averaged across all drivers and vehicles in Florida and and are not figured with a price decrease for active military. So the auto insurance company that has the cheapest rates for you may not even be in the list above. That emphasizes why you need to get car insurance quotes using your own individual information.
The vehicle requiring insurance is a large consideration that determines if you can find affordable coverage for active military. Vehicles with limited speed and performance, excellent safety ratings, or a low likelihood of having liability claims will cost substantially less to insure than high performance models. The table below ranks insurance rates for some of the most economical automobiles to insure in Florida.
|Vehicle||Estimated Cost for Full Coverage|
|Honda CR-V LX 4WD||$1,228|
|Jeep Wrangler Sport Islander Package 4WD 2-Dr||$1,350|
|Ford F-150 XLT Regular Cab 2WD||$1,357|
|Toyota Tacoma 4WD||$1,378|
|Ford Escape XLT 4WD||$1,420|
|Chevrolet Malibu LS||$1,455|
|Toyota RAV4 2WD||$1,462|
|Jeep Grand Cherokee Laredo 2WD||$1,455|
|Dodge Grand Caravan Crew||$1,483|
|Ford Focus SEL 4-Dr Sedan||$1,505|
|Toyota Camry XLE||$1,533|
|Chevrolet Impala LTZ||$1,540|
|Kia Optima LX||$1,558|
|Ford Explorer XLT 4WD||$1,568|
|Nissan Rogue S AWD||$1,558|
|Chevrolet Silverado LT Extended Cab 2WD||$1,565|
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Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Rate information does not factor in Florida location which can influence prices considerably.
Based upon the rates shown, makes and models like the Honda CR-V, Jeep Wrangler, and Ford F-150 are going to be some of the most affordable vehicles to insure for military personnel.
For military personnel, one of the largest things that aid in calculating the cost of insurance is where you normally keep your vehicle in Florida. Cities with more crime and/or more people like Hialeah, Miami, and West Palm Beach tend to have higher auto insurance costs, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower coverage costs.
The next table lists the most expensive places in Florida for active military to buy an auto insurance policy in.
|Rank||City||Average Per Year|
|5||West Palm Beach||$2,705|
|20||Port St. Lucie||$1,994|
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Premium costs are comparative as the vehicle garaging location can raise or lower prices considerably.
Violations and accidents raise rates
The easiest method to maintain good auto insurance rates for military personnel is to drive safely and avoid accidents and traffic violations. The illustration below demonstrates how traffic citations and at-fault claims can raise insurance premiums for each different age group. The data is based on a married female driver, comp and collision included, $100 deductibles, and no discounts are applied.
In the chart above, the average cost of a car insurance policy per year with a clean driving record and no accidents is $2,504. Get written up for one speeding ticket and the average cost surges to $2,913, an increase of $409 each year. Then add one accident along with the one speeding ticket and the annual cost of auto insurance for active military in Florida goes up to an average of $4,082. That's an increase of $1,578, or $132 per month, just for not being attentive to the road!
The information below illustrates how your deductible choice can increase or decrease insurance costs when searching for cheap insurance for active military in Florida. The information is based on a married male driver, comprehensive and collision coverage, and no discounts are applied.
The data above shows that a 50-year-old driver could lower rates by $406 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $610 by changing to a $1,000 deductible. Even younger insureds, such as the 20-year-old chart data, can save $1,354 every year by selecting a higher deductible.
When raising deductibles, it is important to have spare funds to enable you to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
How to find low-cost insurance for active military
It's not impossible to find cheaper rates, and here are some of the better money-saving suggestions that can help you quote low-cost car insurance.
- Higher credit ratings may save you money
- Buying home and auto insurance together can earn discounts
- Do not waste money insuring older vehicles for full coverage
- Lower rates by purchasing a safer vehicle
- Accidents can significantly increase rates
- Check for cheaper rates once a year
That last idea is incredibly significant, as was emphasized in the prior information. Rates fluctuate considerably, so don't hesitate to switch carriers if a lower-cost policy is available.
Sticking with a specific company is fine, but it isn't a good idea if your bullheadedness ends up costing you money that could be going to better use. It only takes a couple minutes to compare rates and find cheaper car insurance for active military.