Cheapest Auto Insurance Quotes for First-time Drivers in Florida

The words “affordable” and “insurance” probably shouldn’t be used in the same sentence, in particular when trying to find the cheapest coverage for first-time drivers. Because it’s so expensive, let’s teach you some things that help determine car insurance prices, and figure out some ideas to take the bite out of your next policy.

The vehicle requiring coverage is probably the largest consideration when comparison shopping for cheaper car insurance for first-time drivers. Vehicles with more horsepower, a lack of advanced safety features, or high incidents of liability claims will cost quite a bit more to insure than safer models. The list below ranks auto insurance costs for a selection of the most economical automobiles to insure in Florida.

Premium data assumes single male driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, and claim-free. Table data does not factor in zip code location which can alter rates substantially.

Looking at the data, vehicles like the Honda CR-V, Chevrolet Traverse, Ford Escape, and Toyota Prius are likely to be some of the most economical vehicles to insure for new drivers. The price of auto insurance will tend to be higher because there is a higher risk for first-time drivers, but overall those specific models will most likely have the lowest insurance prices available.

For Florida drivers, one of the factors that auto insurance companies use when figuring a rate quote is where you live in Florida. Cities that have higher claim levels or more people like Hialeah, Miami Gardens, and Tampa tend to have more expensive car insurance rates, whereas areas that tend to be more rural have the luxury of the cheapest auto insurance for first-time drivers in Florida.

The table below rates the most costly cities in Florida for first-time drivers in which to buy car insurance.

Annual rates are comparative as zip code location can influence premium rates considerably.

Discount Florida insurance

Insurance companies that provide the cheapest auto insurance for first-time drivers in Florida may have price discounts that may potentially lower prices by as much as 35% if you can meet the requirements. A few popular companies and a selection of discounts are shown below.

• GEICO offers discounts including driver training, federal employee, emergency military deployment, anti-theft, and good student.
• USAA includes discounts for family discount, good student, new vehicle, loyalty savings, driver training, and multi-policy.
• Progressive has savings for continuous coverage, multi-policy, multi-vehicle, good student, online signing, homeowner, and online quote discount.
• American Family offers premium reductions for bundled insurance, air bags, defensive driver, multi-vehicle, and good student.
• Esurance discounts include DriveSense, renters, anti-theft, online shopper, Switch & Save, and homeowner.
• Farmers Insurance may have discounts that include homeowner, multi-car, bundle discounts, teen driver, and electronic funds transfer.
• State Farm has discounts for driver’s education, multiple autos, good driver, Drive Safe & Save, and passive restraint.

The diagram below compares insurance prices with and without discounts being applied to the rates. The information is based on a male driver, no violations or accidents, Florida state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.

The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with continuous coverage, vehicle safety, passive restraint, paid-in-full, good student, and paperless filing discounts applied. When these discounts are applied, the the amount saved on auto insurance for first-time drivers is 28% or $628.