Drivers with Flawed Records
Regardless of where you go, if you are caught speeding, or driving under the influence, you will not only face possible jail time but also an increase to your coverage; However, in the state of Florida, rates increase more than in almost any other state. For example, if you are caught speeding within the state, you will face almost a 40% increase to your coverage. That is over $60 a month, and depending on how much over the speed limit you were driving, that number goes up. If caught driving under the influence, drivers in the state of Florida face an 89% increase in their policy. That is almost $100, and again, the higher your point alcohol level, the higher that goes up. Don’t let that discourage you, affordable auto insurance in FL can be found!
The Average Cost of FL Car Insurance
Like most companies according to https://floridainsurancequotes.net/florida-auto-insurance/, insurance companies in FL tend to charge young men more than young women. The difference varies by company, in addition, other variables, such as credit, driving record, and experience. For example, the cheapest base plan for a male between the ages of 16 and 26 is $60, for a female in the same age bracket, it is $59. The most expensive base plans for males between 16 and 26 is $484 a month; Whereas, it is only $280 for women of the same age group. For parents looking to add their teen to their already existing policy, they are looking at, on average, an almost a 60% jump in their monthly premium.
Overall, Florida Car Insurance base prices here are not that different than the majority of other states. Those base plans quickly change however when new drivers are added, cars are changed, or incidents occur. Florida is known to hold it’s drivers responsible and makes that clear in how drastically their rates change when a driver makes a mistake. These price increases are among the highest in the country, making the state known for its safe driving initiative.