
For existing policyholders, contact us to add your non-Tesla vehicles to your policy.

Of course, strive to keep your driving record clean, but also improve your credit score. Now that you know why car insurance is so expensive in Florida, there are a few things you can do to lower your auto insurance premiums. More traffic means more chances for accidents. Busy roadwaysįlorida roads are the third busiest in the U.S. Inflated claims and legal expenses raise the cost of doing business in Florida, and the result is higher insurance premiums for everyone. One of the latest problems with fraud involves assignment of benefits abuse related to windshield claims. Unfortunately, some areas of Florida are known for a high prevalence of fraudulent claims, as well as a high number of claims where there is lawyer representation. This coverage, also known as “no-fault” coverage, pays for medical expenses for you and your passengers if you’re injured in an auto accident, regardless of who is at fault.
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PIP requirementīy law, Florida drivers must purchase Personal Injury Protection (PIP) insurance. Residents near the ocean, rivers, in low-lying or other flood-prone areas are especially affected. Severe thunderstorms, hurricanes, and flooding events cause property damage to cars that insurance companies must pay for. These drivers are considered to be higher-risk, and therefore more likely to cause or contribute to an accident. High percentage of higher-risk driversįlorida has many elderly drivers, tourists unfamiliar with the roads, and college students attending universities. Insurance companies compensate for that with higher premiums for everyone who is insured. (See below for a few things you can do to make sure you’re getting the best car insurance rate.) High percentage of uninsured driversįlorida has the highest percentage of people driving without insurance in the U.S.-more than one fourth (26.7 percent) of the drivers on our roads are uninsured. So why is Florida car insurance so expensive? Here are a few factors that contribute to higher auto insurance premiums for Florida drivers.


Florida consumers pay about 48 percent more per year that the national average. In fact, the Sunshine State has the third costliest car insurance premiums in the nation. Living in the Tampa Bay area has many advantages, but cheap car insurance isn’t one of them.
