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?

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.
View full answer 
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

Easiest way to compare and buy car insurance

No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
Find insurance savings — it's 100% free