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Is car insurance in Florida expensive?
I’m moving to Boca Raton next month, as my wife and I have finally retired, but we’ve heard through the grapevine that car insurance in Florida is ridiculously expensive—is this true? Is car insurance in Florida expensive?
Jason Tushinski · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
First off, congratulations to you and your wife on retiring! Enjoy all the shuffleboard you can handle in Boca! Secondly, you might want to sit down for this, because car insurance is very expensive in
Florida
.Why is car insurance so expensive in Florida? Here are a few of the main reasons:
- Florida is home to the highest percentage of uninsured drivers in the country, with a figure hovering around 20%. The cost of uninsured drivers is passed onto insured drivers in the form of higher premiums
- With a growing population, Florida’s roads are getting more clogged every year, and with more drivers comes a higher risk for accidents, which spurs insurers to raise their rates to counter an expected influx of claims
- Florida is no stranger to extreme weather, such as hurricanes, flooding, and tropical cyclones, which can cause extensive property damage—insurers counter this risk by raising their premiums
- The cost of medical care is rising in Florida, and since the bulk of insurance payouts go to cover medical bills, insurers raise their rates to ensure they can meet those payments
Although the average car insurance rate in Florida is pretty expensive, you can save money (and time) by comparing quotes on the
Jerry
app to find the lowest rate available to you! The average Jerry user saves more than $800 per year on insurance costs!View full answer
- Gregory R.
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