For drivers in Davie, one of the more important considerations that are looked at to determine auto insurance rates is where your car is garaged in Davie. Larger areas likely pay more, whereas more rural areas benefit from having to pay less for coverage.

The table below shows the most costly cities in Florida in which to buy car insurance. Davie comes in at #13 costing $2,448 for the average insurance policy, which is approximately $204 each month.

How much does auto insurance cost in Davie?
Rank City Annual Rate
1 Hialeah $3,523
2 Miami $3,241
3 Miami Gardens $3,181
4 Miami Beach $3,043
5 Miramar $2,709
6 Tampa $2,636
7 West Palm Beach $2,599
8 Pompano Beach $2,595
9 Coral Springs $2,574
10 Fort Lauderdale $2,550
11 Hollywood $2,526
12 Pembroke Pines $2,481
13 Davie $2,448
14 Brandon $2,298
15 Clearwater $2,238
16 St. Petersburg $2,196
17 Spring Hill $2,123
18 Orlando $2,029
19 Port St. Lucie $1,975
20 Jacksonville $1,960
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Prices are estimated as the specific area where the vehicle is garaged can raise or lower premiums substantially.

Now that we understand where Davie ranks based on price, comparing quotes for affordable auto insurance is difficult, and deciding which companies have the most affordable car insurance rates in Davie involves a bit more work.

Every insurance provider has a different process for setting prices, so let's begin by taking a look at the lowest cost car insurance companies in Davie.

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Cheapest Florida car insurance ranked by price
Rank Company Cost Per Year
1 USAA $957
2 Electric $1,712
3 Amica $1,712
4 Progressive $1,829
5 Travelers $1,888
6 Allied $1,926
7 Mercury $1,933
8 State Farm $2,047
9 Esurance $2,102
10 Auto-Owners $2,107
11 GEICO $2,108
12 Allstate $2,411
13 21st Century $2,445
14 Windhaven Insurance $2,575
15 Safeco $2,898
16 MetLife $2,958
17 Liberty Mutual $3,009
18 Hanover $3,024
19 United Automobile $3,457
20 Direct General $3,942
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USAA generally has some of the lowest car insurance rates in Davie at around $957 annually. This is $1,491 less than the average rate paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers also make the cut as some of the cheapest Davie, FL auto insurance companies.

In the rate table above, if you buy coverage from Electric and switched to USAA, you may see an annual premium reduction of in the vicinity of $755. Florida drivers with Amica might save as much as $755 a year, and Progressive policyholders might lower prices by $872 a year.

It's important to note that these policy rates are averaged across all types of insureds and vehicles and are not factoring in a vehicle location in Davie. So the company that fits your needs best may not even be in the top 21 companies shown above. That point stresses why you need to compare as many prices as possible using your own individual information.

You may be paying too much for car insurance

Davie, FL car insurance rates are calculated based on many things which can substantially change the price of coverage. Simply improving your credit, getting married, or getting a ticket for running a stop sign may prompt premium changes resulting in some companies being cheaper than competitors.

Not only that, but insurers file new rates multiple times each year to adjust for heavy claims or excess profits. Larger than normal claims can cause more expensive premiums, while a better loss history may cause cheaper Davie car insurance rates.

The chart below shows the company with the cheapest car insurance in Davie, FL for a 35-year-old male driver with no accidents, a clean driving record, and solid credit. If we compare prices based on his current rating profile, USAA offers the best car insurance rates in Davie at $1,437 a year. This is $1,011 less than the average price paid by Florida drivers of $2,448. Amica, Electric, Progressive, and Travelers also make the list of the most affordable Davie, FL auto insurance companies.

The chart below compares rates after we give the driver from the first rate comparison a claim, bad credit, and a few blemishes on his driving record. Since each auto insurance company has their own formula for setting rates, getting updated rate quotes may now show a significantly different list of affordable Davie car insurance companies as shown below.

USAA now has the lowest car insurance rate in Davie, FL with Mercury, Esurance, State Farm, and GEICO also being competitive. This example shows why it is so important to shop around when trying to get the lowest auto insurance rates in Davie.

Insurance prices consist of many things and change substantially, so the most affordable company the last time you checked may now be quite expensive.

The car, truck, or SUV to be insured is one of the main factors that determines if you can find low-cost coverage in Davie. Vehicles with higher performance, poor crash test ratings, or a high likelihood of having liability claims will cost substantially more to insure than more economical and safe models.

The next list shows car insurance rates for a number of the more affordable automobiles to buy coverage for.

Cheapest Vehicles to Insure in Davie, FL
Vehicle Insured Estimated Cost for Full Coverage
Ford Escape XLS 4WD $1,673
Honda Accord EX 4-Dr Sedan $1,827
Honda CR-V LX 4WD $1,833
Toyota Prius $1,853
Dodge Grand Caravan SE $1,871
Jeep Grand Cherokee Laredo 4WD $1,976
Ford Explorer XLT 2WD $2,046
Jeep Wrangler Sport Islander Package 4WD 2-Dr $2,075
Kia Optima LX $2,119
Ford Edge SE AWD $2,122
Chevrolet Malibu LTZ $2,132
Toyota RAV4 Limited 4WD $2,165
Chevrolet Impala LS $2,177
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Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Rate information does not factor in zip code location which can alter price quotes noticeably.

Based upon the table data, we can expect makes and models like the Ford Escape, Honda Accord, Honda CR-V, Toyota Prius, and Dodge Grand Caravan are most likely going to be some of the more affordable vehicles to insure for drivers in Davie.

Comparison of full coverage and liability-only policies

Reducing the cost of car insurance is the goal of the majority of people, and a good way to buy cheap insurance in Davie is to only buy liability coverage. The information below illustrates the comparison of insurance rates with full coverage compared to only the Florida minimum liability coverage. The rate quotes are based on no claims, a clean driving record, $100 deductibles, drivers are single, and no discounts are applied to the premium.

If averaged out across all ages, full coverage on your policy costs $2,385 per year more than carrying just liability coverage. That is a big expense that brings up the question when is the right time to remove full coverage. There is no definitive formula of when to phase out physical damage coverage on your policy, but there is a general school of thought. If the yearly cost of full coverage is more than around 10% of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.

There are some scenarios where dropping full coverage is not in your best interest. If you haven't paid off your loan, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not eliminate full coverage.

The chart below shows how choosing a deductible can raise or lower insurance costs when quoting cheap insurance in Davie. The information is based on a married female driver, comp and collision included, and no additional discounts are factored in.

The data above shows that a 30-year-old driver could reduce rates by $332 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $500 by switching to a $1,000 deductible. Even younger insureds, like the age 20 example, could possibly save as much as $708 or more by using higher deductibles when buying full coverage.

If you make the decision to raise deductibles, it will now be necessary to have enough spare savings to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.