The words "affordable" and "insurance" really don't belong together, specifically when looking for the best insurance rates for state employees. Let's learn about some of the things that impact car insurance premiums, and see if we can help you cut the cost of your next policy.

One of the more important factors that are used to help calculate the amount you pay for auto insurance is your address. Areas with a lot of weather claims or more people like Hialeah, Miami Gardens, and Miramar are more likely to have higher rates, whereas less populated areas benefit from lower coverage costs.

The illustration below sorts the highest-priced areas in Florida for state employees in which to purchase auto insurance.

Where does Florida rank for car insurance cost?
Rank City Annual Premium
1 Hialeah $3,630
2 Miami $3,273
3 Miami Gardens $3,181
4 Miami Beach $3,043
5 Miramar $2,683
6 West Palm Beach $2,679
7 Hollywood $2,630
8 Pompano Beach $2,620
9 Tampa $2,610
10 Fort Lauderdale $2,475
11 Coral Springs $2,474
12 Davie $2,473
13 Pembroke Pines $2,407
14 Brandon $2,392
15 Clearwater $2,238
16 St. Petersburg $2,196
17 Spring Hill $2,102
18 Orlando $2,029
19 Port St. Lucie $1,994
20 Jacksonville $1,960
21 Lakeland $1,901
22 Cape Coral $1,898
23 Tallahassee $1,801
24 Palm Bay $1,750
25 Gainesville $1,630
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Rates are estimated as specific location information can modify auto insurance rates greatly.

Establishing which companies offer the best insurance rates for state employees in Florida calls for more work than just comparing a company or two.

Each company has their own unique process for setting prices, so we'll take a look at the most affordable insurance companies in Florida. We do need to point out that Florida insurance rates are based on many factors which can substantially change the policy price. Simply turning a year older, having a teenage driver, or getting a reckless driving citation can trigger price changes that can make some companies more affordable than competitors.

Best Auto Insurance Prices in Florida

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USAA may offer some of the most affordable car insurance rates in Florida at around $986 each year. Amica, Electric, Progressive, and Travelers also are some of the lowest-priced Florida car insurance companies.

In the above example, if you are insured with Progressive and switched to Amica, you might realize an annual savings of in the vicinity of $81. Insureds with Travelers could save as much as $157 a year, and Allied insureds might lower prices by $214 a year.

These premium estimates are averaged across all drivers and vehicles in Florida and do not take into consideration a rate decrease for state employees. So the auto insurance company that fits you best may not even be in the top 21 companies shown above. That is why you need to get auto insurance quotes using your own driver information and specific vehicle type.

Impact of speeding/accidents on Florida insurance rates

The easiest way to enjoy affordable insurance prices in Florida for state workers is to be an attentive driver and avoid accidents and traffic citations. The illustration below demonstrates how traffic citations and at-fault collisions can drive up insurance rates for different age categories. The data is based on a single female driver, full physical damage coverage, $100 deductibles, and no other discounts are factored in.

The data in the chart shows the average cost of auto insurance in Florida per year with no accidents and a clean driving record is $2,262. Get written up for one speeding ticket and the average cost jumps to $2,563, an increase of $301 each year. Then throw in two accidents along with the one speeding ticket and the yearly cost of insurance for state employees in Florida increases to an average of $5,093. That's an increase of $2,831, or $236 per month, just for being a careless driver!

The illustration below illustrates how your choice of deductibles can impact insurance prices when searching for cheap insurance for state employees in Florida. The premiums are based on a married male driver, comprehensive and collision coverage, and no discounts are taken into consideration.

As shown above, a 40-year-old driver could lower their car insurance rates by $292 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $440 by selecting a $1,000 deductible. Young drivers, like the 20-year-old category, have the ability to save $966 each year by choosing a larger deductible amount.

If you do raise deductibles, it's a good idea to have additional funds squirreled away to allow you to cover the extra out-of-pocket expense that is associated with using high deductibles.

Get discounts on Florida car insurance

Car insurance companies that provide policies for state employees may have special discounts that can reduce rates by as much as 30% if you meet the requirements. Popular insurance companies and some of their more popular discounts can be read below.

The chart below illustrates the difference between insurance costs with and without discounts applied to the rates. The premium estimates are based on a male driver, a clean driving record, no claims, Florida state minimum liability limits, full coverage, and $250 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with vehicle safety, claim-free, homeowner, safe-driver, marriage, and multiple vehicle discounts applied. With discounts applied, theamount saved on insurance for state employees is 28% or $604.