AARP Car Insurance and other discounts



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For AARP Car Insurance and discount programs in every state, visit the link shown below.


This page provides fast facts pertaining to Florida auto insurance. Here's how to choose the low-cost Florida car insurance premium package that works best for you.



Average Annual Auto Insurance Rates 

Actuaries set car insurance premiums based on numerous factors. Among the site specific variables affecting premium rates are weather conditions, road and traffic conditions, economy and population density, for instance.


Other factors affecting annual premiums are individual characteristics like the age, gender, marital status and driving habits of the vehicle's owner, among other things. 


The Average Annual Auto Insurance Premium for drivers in the state of Florida was $1,654 last year. This is noticeably higher than the national average for car insurance at the time, which was about $1,347. 



Penalties for Uninsured Drivers

Florida drivers who get ticketed for driving without insurance are subject to fines, license suspension and possibly jail time.

Repeat violations are met with harsher penalties. As an added insult to the financial injury, drivers with suspended licenses face hefty reinstatement fees. 




Minimum Liability Coverage

The state of Florida has the lowest required minimums on auto insurance of of all U.S. states. The minimum coverage in Florida is only 10/20/10 per vehicle.

In other words, Florida drivers must purchase at least $10,000 in coverage against injury to the driver, $20,000 in coverage for injuries to others, and $10,000 to cover property damage. This may not always be enough to cover the actual cost of an accident.


That's why insurance analysts recommend at least 100/300 coverage for each owned vehicle in the United States. That's $100,000 in Personal Injury Protection (PIP) coverage and $300,000 in per-accident coverage.  

Comprehensive insurance is generally recommended for Florida drivers, although Comprehensive coverage doesn't cover certain types of damage, such as a broken windshield.

If you are a driver over the age of 65, consult with AARP Car Insurance. 



Lowering the Cost of AARP Car Insurance

Car owners in Florida can save a lot on car insurance by qualifying for discount programs.

Among the many available discounts are safe driver discounts, good student discounts, senior citizen discounts, and multiple auto discounts, as well as price reductions for using anti theft devices, or owning more than one policy. 

Seniors 55 and above are entitled to Defensive Driving Course discounts for passing a state-approved course. Seniors can also contact AARP car insurance services to further reduce their premiums. 

Ask every agent you speak with about discounts on Florida car insurance. 



Obtaining Auto Insurance Quotes

According to consumer reports, the most popular auto insurance carriers in Florida are Geico, Allstate, Auto Owners Insurance, The Hartford, Encompass, State Farm, and 21st Century.

Still, many Florida car owners prefer local carriers. The state of Florida supports many car insurance companies offering discounts and competitive rates.

First, obtain a few free online quotes.

Then, call several local agents for more free quotes, and ask about their discounts.

Finally, add up the discounts, compare quotes, and choose the cheapest premium package that reasonably applies to you. 





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