, there are currently no public auto insurance assistance programs for low-income drivers. However, that doesn’t mean low-income families can’t save on car insurance rates.
There are no government low-income insurance policies available in Florida.
The cost for minimum car insurance in Florida is $70 less per month than full coverage policies.
Penalties for driving without insurance in Florida include a suspended license and registration for up to 3 years with varying reinstatement charges.
Florida offers state-wide car insurance discounts, such as daily commute, good student, low annual mileage, and multi-policy.
Does Florida offer assistance to low-income drivers?
No. As of now, Florida doesn’t offer government assistance to low-income drivers. But the good news is, there are still lots of ways to save on your car insurance in the Sunshine State to help lower your monthly costs.
One method is to get a state minimum coverage plan that only meets the legal car insurance requirements set by Florida law. In the state of Florida, minimum auto insurance rates are $70 less a month than full coverage car insurance, and include up to $10,000 each in personal injury protection (PIP) and property damage liability insurance.
Keep in mind: Florida is a no-fault state. Car insurance plans in the state of Florida don’t require bodily injury liability coverage, as Florida’s PIP coverage handles medical costs for all drivers. If you’re in a car accident, both you and the other driver are covered under your individual car insurance policies.
Finding affordable car insurance coverage in Florida on a budget
Shopping for budget-friendly and comprehensive coverage is difficult—but never impossible. Here are some ways low-income Florida drivers can get cheap car insurance:
1. Shop around
When searching for car insurance quotes and average rates on a budget, it’s important to
app, you can compare over 55 of the best car insurance companies in Florida to help you find the cheapest auto insurance that fits your budget.
2. Track your driving with telematics
Did you know that how you drive can also affect the average cost of car insurance? A single speeding ticket or at-fault accident could raise your rates by 20% or more.
Telematics use communication devices (like mobile apps) to track your driving history and habits—and if you have a good driving record and good credit, you might even be eligible for safe-driving rewards or cost savings on your auto insurance policy.
tracks your vehicle’s movement through an app or plug-in device. A 5% discount on your car insurance policy is enabled for enrolling, saving users an estimated $47 on signup. This app is available in all states, but program details may vary.
, you must be a current GEICO customer. Once eligible, anyone on your policy—even young drivers—can use the app, saving you upwards of 15% on your insurance policy.
, users automatically receive a 10% discount. And if that’s not enough to entice you, the SmartRide program doesn’t increase car insurance premiums. Keep in mind, the SmartRide app may vary in discount cap depending on your state.
Allstate Drivewise: If you have a clean driving record while using the
app and save up to 30% on your auto insurance with a 10% participation savings deductible.
3. Drive less
Driving less can also lower your auto insurance. The higher the mileage on your car, the more change you face of having an accident, thus increasing your overall premium. Turning to other options of transportation or restricting the amount of times you use your vehicle can bring down your premium and
, allowing low-income homeowners to save on both policies.
Other insurance discounts offered in Florida are:
Good driver
Continuously insured
Driver education for senior drivers
Good student for young adult and teen drivers
Usage-based
Customer loyalty
Defensive driving course discount
5. Raise your deductibles
If you have an auto loan and need a full coverage option, but are still looking for the cheapest rates, raising your deductible on collision and comprehensive coverage can affect what you pay out for premiums.
Keep in mind: Increasing your deductible can save you, but it’s a give-and-take solution. There are
that impact your deductible cost, and they’re worth reviewing before taking this step. It’s important to never select a deductible that you can’t afford to pay out of pocket.
6. Build your credit score
Insurance companies in Florida can charge higher rates to drivers with poor credit—and it’s even legal for an insurance provider to deny you coverage if they discover you have a bad credit history. Improving your credit score can set you up for success when
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FAQs
What is the least amount of insurance you need in Florida?
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In the state of Florida, the least amount of car insurance one can hold is $10,000 for personal injury protection and $10,000 for property damage liability. If you are caught driving while uninsured, you can face anywhere between $150 and $500 in fees (depending on whether it’s a first, second, or subsequent offense) and both your license and registration will be revoked.
Can undocumented workers get car insurance in Florida?
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If you are an undocumented individual in the state of Florida, you are able to get car insurance and collision coverage with a valid driver’s license. Unfortunately, Florida does not issue driving privileges to undocumented immigrants, and Governor Ron DeSantis
to ban undocumented immigrants from using driver’s licenses from other states.
Can you get cheap car insurance with a DUI in Florida?
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With a DUI, it can be challenging to find a supportive car insurance company. But in the state of Florida, that isn’t the case. Insurance providers like Progressive, State Farm, and Allstate offer affordable car insurance for those with DUIs on their record. If you’re having trouble finding coverage as a high-risk driver, try comparing free quotes from major insurers and non-standard companies with the Jerry app.
At what age does your car insurance go down in Florida?
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The age for lower car insurance is younger than you’d expect, with 19-21 being the time when the most significant decreases occur. After age 25, your rates will typically even out and continue to decrease gradually over time—unless you add violations or accidents to your record.
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