USAA Bump
 

Just moved to the villages and called USAA to switch our auto coverage from Virginia to Florida. We have 2 cars: a 2016 RAV4 and a 1995 Miata.

We discovered the same coverage went up 50%!

Are drivers that bad in Florida?

Anyone else have this happen?

We experienced an increase with the move to Florida.
It's all the lawsuits down here.............once you start watching TV down here, you will understand.

yep, drivers are reeeeeally bad down here.

Florida is a no fault state. Those that bother to get insurance are paying for every deadbeat out there.

One thing to consider is that Virginia requires you to have uninsured motorist coverage, but Florida does not. I don't buy the uninsured motorist coverage because I consider it to be mostly redundant with medical insurance. And, I don't want to be required to file a medical claim with my auto insurance company. I think that many people automatically buy the uninsured motorist coverage because they come from a state that requires it, and they don't even understand what it covers and what it doesn't cover. It provides no liability coverage.

On the other side of the coin, we moved from Palm Beach County to TV and our premiums dropped 30%. My best guess is that their are more attorneys in Florida than VA. In addition Florida does have required PIP laws which pay your own medical expenses, up to 10K regardless of fault, even if you have any other form of health insurance including Medicare.

No fault in Florida
 

Insurance rates are one of the main reasons people tend to be a little surprised at the cost of living expenses in FL. Having lived or worked in 49 of our states,
I’ve found Florida has the most erratic and unpredictable drivers in the country. It’s no wonder the rates are so high.

Yep, Florida drivers are that bad.

I have lived in various parts of Florida and the US. In the past I found FL rates were high (not as high as Michigan, tho!). Anyway - after moving back down here I was shocked — I have really low rates (same coverage). Maybe it is because I have never had any accidents after all these years - maybe it is because I really don’t drive much (low miles on car) .... I am still working - but from home. I am thankful.

had same problem. Had USAA for 30-40 years. Switched to Travelers which was more reasonable

Your Miata might qualify for Haggerty classic car insurance. It will cost a lot less. We have a 1996 and qualify,

Yes! Everything increased car, house and cart! 600.00 total checked around with different companies all increased! 😡🤯

I had been a USAA member for over 50 years and left them about 2 years ago because almost everyone else is now less expensive (even after the annual rebate).

Most Florida drivers are not from Florida, especially in The Villages.