Is $200 too much for full-coverage car insurance in Florida?

I'm 19 and I recently financed a new car. I want to get on my mom's insurance, but they want to charge me around $200 a month. Is that expensive for full coverage in Florida?

Answer provided by
avatar
Eric Schad
Answered on Apr 22, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
“Florida is generally the third-most expensive state for car insurance, trailing only Louisiana and Michigan. The average cost of car insurance is around $2,200.
The higher cost of insurance in Florida is due to a number of factors, including the following:
  • Florida is a no-fault state, meaning that who is at fault in an accident doesn’t matter and your insurance covers your own injuries.
  • There is a high number of uninsured drivers.
  • There is high traffic congestion and more drivers on the road.
At $200 a month for full coverage as a 19-year-old, you’re actually getting quoted a reasonable rate. If you want to see if you can find something lower, get car insurance quotes online. With any luck, you might be able to find something more affordable.”
thumb-up

Did this answer help you?

Ask us a question by email and we will respond within a few days.
thumb-up

Have a different question?

You can meet us at our office and discuss the details of your question.

Easiest way to compare and buy car insurance

√
No long forms
√
No spam or unwanted phone calls
√
Quotes from top insurance companies