How can you lower your car insurance in Florida?

I live in Surfside. I know it’s an expensive area, but I’m paying over $400 a month for car insurance! What can I do to lower my car insurance costs in FL?

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Jessica Gibson · Answered on Jan 05, 2023
Reviewed by Shannon Martin, Licensed Insurance Agent.
Florida insurance costs are 52% higher than the national average! It’s no wonder you’re looking for ways to save.
Fortunately, there are steps you can take to lower your car insurance in Florida. Here are a few to get you started:
  • Raise your deductible. When was the last time you checked your deductible? Most deductibles range from $500 to $1,000, with higher deductibles equating to lower insurance costs. For instance, if you have a $250 deductible, raising it to $500 or above will reduce your premium.
  • Reduce your insurance coverage. Typically, it’s a good idea to have more coverage than you need, but opting for less coverage is a way to save a little money. For instance, if you’ve got roadside assistance or rental car coverage, you could remove them to lower your premium.
  • Shop around and compare quotes. If it’s been a while since you got new quotes from multiple providers, now is a good time to do it again! Comparison shopping is easier than ever, and you may be able to find the same coverage with a different provider for way less.
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