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Top Florida Car Insurance Companies

Check out this list of the top Florida car insurance companies to see if your Florida auto insurance company is on the list. Once you have finished reading through the list be sure to use our free Florida car insurance company comparison tool to get free quotes from many different companies online.

Out of the 18 million residents throughout sunny Florida, the average age is approximately 38.5. Almost three million residents are over the age of 65. Out of all of these residents, anyone who owns a car must have auto insurance or be able to provide proof of financial responsibility. Even if you own a car that you don’t drive, it must be insured. The only way to cancel your insurance is to surrender your plates to either the Department of Motor Vehicles or to an authorized tax collector.

However, you can change insurance providers as often as you like. This can be done for several reasons, such as you’re not satisfied with the claims process, you feel your premiums are too high, or you find a company that offers better discounts. Whatever the reason you switch your Florida car insurance, be sure you are switching to a reputable company.

Popular Florida Car Insurance Companies

Some of the more popular car insurance companies in Florida are Allstate, Farmers, Liberty Mutual, and Nationwide.

Allstate Florida Car Insurance

Allstate has been offering auto insurance since 1931 and has a strong “A” average rating from the industry standards on financial backing. They offer Liability and Medical Protection, Vehicle Protection, and Additional Protection such as Personal Injury Protection, which is required in Florida for a minimum of $10,000.

Farmers Florida Car Insurance

Farmers Insurance was introduced in 1928 and is now the third largest insurance company for private car insurance. Their coverage includes Liability Coverage, Collision Coverage, Comprehensive Coverage, Medical Payments, Personal Injury Protection, and Uninsured or Underinsured Motorist Coverage.

Liberty Mutual Florida Car Insurance

The fifth largest insurance company is Liberty Mutual, who has been in business since 1912. In addition to Liability Insurance, they offer Medical Payments, Personal Injury Protection, Uninsured/Underinsured Motorist Coverage, Collision Coverage, and Comprehensive Coverage. They also offer optional policies for Mechanical Parts Replacement, Car Windshield Repairs, and New Car Replacement.

Nationwide Florida Car Insurance

Originally established as The Ohio Farm Bureau Federation in 1925, Nationwide currently has more than $135 billion in assets, making them one of the largest insurance companies worldwide. They offer a variety of insurance products that include liability, comprehensive, collision, uninsured motorist, underinsured motorist, medical expenses, loss of income, rental car reimbursement, and towing and labor.

Low Cost Florida Auto Insurance Companies

Several companies boast large savings for auto insurance to residents in Florida. Three of the big name companies that tend to prove true to their boasting are GEICO, Progressive, and Travelers.

GEICO Florida Car Insurance

GEICO has been in business for over 70 years and is often rated “A” on financial strength. They offer competitive rates and discounts that can add up to 15% of savings or more.Their various discount offers include savings on Vehicle Equipments, such as air bags, anti-lock brakes, anti-theft systems, and daytime running lamps. They offer Driving History and Habits rewards with a Five-Year Accident-Free Good Driver discount and a savings of up to 15% off of medical coverage or personal injury protection just for wearing your seat belt. Driver’s Education discounts are available for Defensive Driving courses and Driver’s Education.

Students can earn up to 15% off of certain coverage for maintaining an academic grade of “B” or higher. Policyholders that are in the United States military can receive up to 25% off of their premium if they are under emergency deployment and can receive up to 15% off of their total premium if they are either on active duty or retired. GEICO offers additional discounts to policyholders in their Partnering Organization or to senior aged federal employees. Multi-car discounts can add up to 25% in savings and renewal discounts can earn you a savings of up to thirty percent.

Progressive Florida Car Insurance

Progressive has been in the insurance business since 1937 and offers a variety of discounts that can add up to hundreds of dollars in savings for the Florida driver. They have discounts for Accident Forgiveness, E-sign, Homeowner / Auto multi-policy, Multi-Car, and MyRate® which is personalized for your driving record. You can also earn discounts based on your mileage and students can earn discounts based on their grades. Simply paying your policy in full up front can save you ten percent off of your total premium.

Travelers Florida Car Insurance

Travelers Insurance, which was founded as St. Paul Fire & Marine Insurance Company in 1853, maintains an average “A” rating on their financial strength and payment of claims. They offer savings to policyholders for a variety of options that vary by state. Discount offers include driver training, hybrid auto ownership, good driver, good student, multi-car, and vehicle safety. Bundling your Travelers policies offers additional savings.

Best Florida Car Insurance Companies for Mature Drivers

Several FL auto insurance companies offer discounts for mature drivers if they complete a defensive driving course.

AARP Florida Car Insurance

AARP, which is a not for profit organization founded in 1958 for people aged 50 and older, offers auto insurance for its members through AARP Auto Insurance Group from The Hartford. Available in most states including Florida, you can receive auto insurance for a 12 month term to lock in your rate for a full year. Provided your premiums are always paid on time and you are still legally, mentally, and physically capable to drive, your policy is guaranteed to be renewable for your lifetime.

Although it varies by location, AARP includes RecoverCare as part of your policy, which pays for home care services that may be needed due to an accident. This would cover services such as cooking, cleaning, and shopping while you are recovering.

The Advantage Plus Package offers First Accident Forgiveness provided no one on the policy has had an accident during the previous five years. Floridians can also benefit from being accident free for five years with the Disappearing Deductible, which reduces your collision deductible by $150 and then further reduces your deductible by $50 per year until it becomes a zero dollar deductible.

Hartford has a “6-Point Claim Satisfaction Guarantee” that begins with (1) a 24/7 claims hotline that is guaranteed to be answered by a trained professional. (2) That professional will then explain the claims process to you. (3) Car repairs are guaranteed through the certified Hartford repair shops and (4) if you experience a total loss on a car that is fifteen months new or has less than 15,000 miles on it, you will receive replacement value for your car (state dependent). (5) Within two days of your claim being settled you are guaranteed to receive your claim payment and (6) if you have any problems with your claim, you will be placed in touch with an expert to mediate your case.

AARP auto insurance comes with a host of discounts and credits, such as multi-car discount, auto and home multi-policy discount, air bag discount, and anti-theft device discounts, which would apply to your comprehensive coverage for either active or passive disabling devices. You can receive a three year discount for taking an approved Defensive Driver Course and drivers on your policy that are under twenty-one can receive credit for taking an approved Driver Training Course. Young drivers on your policy that are aged sixteen to twenty-five can receive a Good Student Driver Credit provided they are full time students and have a minimum “B” average or equivalent grade that is certified by a school statement.

Compare the Best FL Car Insurance Companies

Many people retire to Florida, but that doesn’t mean they retire their vehicles. As long as you own your car, you need to carry insurance. Many reputable insurance companies provide sufficient coverage for affordable rates. Whether you live in Florida now or are in the process of moving there, you can search for FL car insurance quotes online by accessing on of the many free and independent consumer quote tools that are available. Get started finding the best Florida car insurance today!

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