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A Look At Premiums Inside The Sunshine State

Did you know insurance premiums are based in part on where you live? That’s right. While your driving record, credit history and make, model and year of your vehicle are all important elements in determining your premium rates, where you live is also a significant factor.



When you type “car insurance Florida” into the search engine, you’re presented with an overwhelming amount of options. Luckily for you, you’ve landed on CoverHound, where’s it’s our priority to get you the most competitive insurance quotes on the market.



Let’s take a look at premiums inside the Sunshine State.



Florida’s Auto Insurance Laws

Florida requires its licensed vehicle driving motorists to carry two forms of insurance: Property Damage Liability (PDL) and Personal Injury Protection (PIP). According to the Department of Motor Vehicles (DMV), Florida is a no-fault state. The Insurance Information Institute (III) defines no- fault insurance as an insurance plan that allows its carriers to regain financial losses from their insurance provider, regardless of who was at fault in an auto collision. So what is covered under Florida’s PDL and PIP insurance?




Property Damage Liability: This insurance type protects you when you have damaged another person’s property as the result of a car accident. This includes their vehicle, house or other buildings in the property. The minimum limits for PDL insurance is $10,000.



Personal Injury Protection: This insurance type covers income loss and medical expenses as the direct result of a car accident. Unlike other states, it also protects members of your household, passengers in your vehicle at the time of the accident and your child when they are riding the bus. It even protects you as a cyclist or pedestrian when and if you are involved in an accident with a vehicle. Like PDL insurance, the minimum limits for PIP insurance is $10,000.



Optional car insurance in Florida includes:







Location and Your Premiums

To show you that your auto insurance premium is partly based on where you live, we selected two Floridian cities (Miami and Gainesville) for comparison. Here are the variables we used to get our results:




Vehicle type and Model: 2006 Honda Ex Sedan

Ownership: Owned

Vehicle Use: Commute

Miles Commuted: 15, 5 days a week

Ages: 25, 45, 65

Payments: Monthly





























Miami, FL (Pop. 399,457)AgeMaleFemale25$100$9845$78$7765$77$75





























Gainesville, FL (Pop. 128,460)AgeMaleFemale25$89$8745$67$6665$66$64



The results include two automatic discounts: Good Driver and Senior discounts. Though keep in mind, this is before you enter your personal history. After gathering basic statistics, our site will ask for other information including:





There are numerous factors that come into play as you search for an auto insurance policy, but one of the more important factors is where you live. In a big city you can expect to pay more for coverage, and in a smaller city, less. Get your insurance quote today with Coverhound.

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