Best Car Insurance For College Students In Florida For 2024

Our team of auto insurance experts spent close to 40 hours reviewing and comparing 63 quotes from 22 different brands to determine the best car insurance company for college students in Florida. After careful analysis, GEICO had the most affordable coverage overall and the best full coverage policies.

State Farm also performed very well for Florida college students looking for a minimum coverage policy or a company with excellent customer service. Progressive was the best option for drivers with accidents and violations on their driving records.

The following guide will explore all three companies and how different criteria like location and age can impact insurance rates for college students in Florida.

Cheapest Overall Rates In Florida

Cheapest Rates For Minimum Coverage In Florida

Cheapest Full Coverage Rates In Florida

Top Customer Service Scores For Florida Auto Insurance Companies

Cheapest Rates For Low-Mileage Drivers In Florida

Cheapest Rates For Drivers With Violations In Florida

Average Cost Of Car Insurance In Florida

Average Cost Of Car Insurance For College Students In Florida – By City

Average Cost Of Car Insurance For 18 Year Old College Students In Florida

Average Cost Of Car Insurance For 19 Year Old College Students In Florida

Average Cost Of Car Insurance For 20 Year Old College Students In Florida

Average Cost Of Car Insurance For 21 Year Old College Students In Florida

Average Cost Of Car Insurance For 22 Year Old College Students In Florida

Average Cost Of Car Insurance For 23 Year Old College Students In Florida

Average Cost Of Car Insurance For 24 Year Old College Students In Florida

Average Cost Of Car Insurance For 25 Year Old College Students In Florida

Average Cost Of Car Insurance On Family Policy vs. Individual Policy

How Can College Students Save Money On Car Insurance In Florida

Unfortunately, for most college students, average car insurance rates are significantly more expensive than for drivers in their mid to late 20s. So, if you don’t have the option of staying on a parent or guardian’s car insurance policy, you’ll need to find ways to lower the monthly premium payment.

The following strategies will provide you with some tips and strategies you can use to make car insurance more affordable.

Affiliation Discounts

For many students, clubs, and organizations are a great way to get involved in campus life. These groups can also provide additional benefits outside the university, like unlocking access to certain discounts. Depending on your insurance carrier, belonging to a sorority, fraternity, honor society, or alumni group could help lower your monthly premium.

Student Discounts

Most people are familiar with student discounts that involve achieving good grades. However, there are several other discounts that college students can qualify for, including:

• Distant college student discount
• Safe driver discount
• Driver’s education discount

Security And Safety Improvements

While some of the other strategies on the list are specific to college students, this tip can apply to any driver, regardless of age. Many insurance companies will reward you with a lower premium rate if you install devices or improve your vehicle, enhancing its overall security and safety.

For example, installing anti-theft mechanisms like a car alarm can help decrease your car insurance policy by as much as 5%.

Used vs. New

Many parents purchase a new vehicle for their kids as a graduation present. Even though it can provide better gas savings, owning a newer car can be more costly to insure. Since new vehicles cost more to repair or replace, insurance companies will increase rates to reflect the added risk.

Common Auto Insurance Claims In Florida

Generally, there are four common types of auto insurance claims in Florida, which include:

• Collision Claims (5.8 claims per 100 years of a vehicle’s life)
• Property Damage Claims (3.36 claims per 100 years of a vehicle’s life)
• Comprehensive Claims (2.81 claims per 100 years of a vehicle’s life)
• Bodily Injury Claims (0.95 claims per 100 years of a vehicle’s life)

Do College Students Need Their Own Insurance, or Can They Stay On A Parent’s?

Even though insurance is usually definitive with its answers, whether or not you’ll need your own insurance as a college student will depend on various factors. Let’s look at different scenarios where you could potentially stay on your family plan and where you would need to look for coverage on your own.

Keeping Students On A Family Car Insurance Policy

Unlike health insurance, where there is an age limit to how long a child can stay on their parent’s health insurance policy, there isn’t a limit for car insurance. Any children who live at home with their parents or use their parents’ permanent address while at college can still maintain coverage on their auto insurance policy.

Purchasing Coverage As A College Student

The main reason a college student would need to purchase their own coverage would be due to changing their address. Once a person, including college students, has a new permanent address different from their parents, they must buy a new car insurance policy.

Temporary Car Insurance

While not every car insurance provider will offer temporary coverage, it can be a fantastic option for college students who won’t be driving frequently.

Temporary auto insurance policies typically provide six-month coverage and allow customers to cancel once the period ends. This policy enables college students to avoid paying for additional months of coverage they won’t need while at school; It can also be a great option for students who plan to study abroad for a semester.

Try Usage-Based Car Insurance

Usage-based car insurance is similar to telematics in that it also tracks a driver’s behaviors behind the wheel. However, it also has another component that is especially appealing to college students.

With usage-based car insurance, you can receive discounts and lower premiums by driving less yearly. These “Pay-Per-Mile” plans are an effective way to find affordable coverage if you keep your vehicle in the dorm lot or at home for most of the school year.

Telematics Car Insurance For College Students

As a college student finding creative ways to save on car insurance is important. One of the most effective ways to lower your monthly premium is through telematics.

Telematics are devices insurance companies use to track and analyze how you drive. The safer you drive, the better your rates will be, and the more likely you will receive discounts for being a safe driver.

How To Get Discounts

Car insurance can be costly for college students, especially if any tickets or accidents are on your driving record. One way to help minimize the cost of coverage is through carrier-provided discounts.

While every car insurance company will have its own list of discounts available for policyholders, the following are a few you’ll want to look into before purchasing a plan:

• Paid in full
• Multi-vehicle
• Multi-policy
• Military
• Student away
• Good student
• Safe driver
• Defensive driving
• Low mileage
• Accident-free

How To Buy Car Insurance As A College Student In Florida

As a college student, purchasing your first auto insurance policy can be stressful. Luckily, platforms like Insuranceopedia make the car insurance shopping experience easy and enjoyable.

While these websites allow you to quickly compare rates from multiple providers, you’ll still need some information handy to navigate the process. Below is an overview of the steps you’ll want to take to purchase your next auto insurance policy:

• Step 1: Gather all important information ahead of time (EX: vehicle information, driver’s license numbers, policy member personal information, and driving history)
• Step 2: Identify the amount of coverage you’ll need to comply with Illinois law
• Step 3: Decide whether to purchase your policy online or through a local agent
• Step 4: Compare at least three auto insurance quotes from different carriers
• Step 5: Purchase your policy and update your previous car insurance company about the transition

Florida Car Insurance Laws To Know

Florida is one of the many states requiring motorists to carry auto insurance if they plan on operating a vehicle. While most of the required coverages are similar to other places in the United States, Florida drivers must also obtain Personal Injury Protection (PIP.)

The minimum required coverage includes $10,000 in PIP and PDL (Personal Damage Liability.) While carrying $10,000 in coverage seems like a lot, you may need more if you get into a serious accident and total your vehicle. Many insurance professionals recommend purchasing additional coverage above the state minimum.

In The News

• As hurricane season approaches, many Florida residents are seeing a significant increase in care insurance rates.
• Several large car insurance providers are considering pulling out of the Florida market due to rising coverage costs.