[ROCKETMAN]

I pay 1200 a year with travelers. Never had an accident or ticket, but last year had accident not my fault. Donut truck ran stop sign. I was paying 900 and when I called said it went up because of lawsuits, inflation of parts to repair vehicles. They have great customer service thru villages ins.

[Altavia]

Originally Posted by mrf0151

Full coverage in Florida over $4K?? Really? We have FULL coverage with Travelers and are paying just under $1k Premium annual.

We're in the $1K range also with Progressive, bundled with home insurance.

Side Note: newer homes built to the latest wind/hurricane standards can receive substantial discounts compared to older construction.

Premium Discounts for Hurricane Loss Mitigation

Originally Posted by cycler

I realize this may be a difficult one to answer, being such a general question, but if you do not mind, would some of you folks give me an idea of what I can expect as far as auto insurance goes, as my wife and I are contemplating a move from Georgia to TV. It would help if you would include what you are driving and year of build. I am taking for granted most have full coverage, deductibles not withstanding. Thanks in advance, cycler

Florida is a "no fault" state. Insurance is high because of all the un-insured driving. So whether you cause an accident or not... your insurance takes a hit. Also most people don't realize it but if you have 2 "hits" on your record within I believe 3 years your insurance IS cancelable.

This happened to a friend. He was in 2 car accidents (both no fault) within one year and he was hit on his bicycle by a car (got a brain injury again no fault and no claim made for accident only hospital record existed on accident).

Progressive cancelled his insurance AND counted the bicycle accident based on hospital record!!

He had to drive a motorcycle (in FL use a helmet no insurance needed) for over a year and a half or more until time passed to be outside of the 3 year look back period to able to get "high risk" expensive insurance so he could drive again.

It was an awful experience when two of his cars were totalled and NONE of it was his fault. Take a bus, train or ride a motorcycle. The three wheeled trike bikes you see... some could be people trying to just get by. FL car insurance laws and no fault is definitely not that. It's YOUR fault first your insurance gets dinged first. PIP baby!

(My daughter had a similar experience accident wise. USAA was great. She had 2 accidents, no faults, and USAA did NOT cancel her.)

[OhioBuckeye]

Duh, let me guess!

[Roron123]

(352) 753-2500 Donna Demay at AAA they do my house Two cars (incl Tesla) and Golf cart in the upper $2000 per year

[Michael 61]

Just moved from Colorado three months ago - stayed with Progressive, full coverage, my premiums dropped 20%. Comprehensive coverage is much higher in Colorado, as the frequency of hail claims that could total-out your car have increased in recent years.

[Salty Dog]

Full coverage on a 2022 Hyundai Tucson is just under $1,000 a year with USAA.

[cycler]

Thanks again to all who replies to my question about auto insurance. It seems that with a little searching I should be able to insure one car and a golf cart at a price that I am paying for two cars here in Georgia. Regards, cycler

[PoolBrews]

Originally Posted by BrianL99

Car Insurance Rates By State in 2023 | Know How Much is Car Insurance.

Car insurance rates by state for 2023 – Forbes Advisor

Why Is Car Insurance So Expensive in Florida? | MoneyGeek.com

Not sure where they got these numbers from... The "average" rate they list for Florida is over twice what I pay per year.

I've lived in Michigan, Georgia, and Florida. Michigan was by far the most expensive (no fault state), followed closely by Georgia. Florida has been the cheapest for me.

[collie1228]

Shop around. I had Geico for ten years, with a premium of about $1200/year and was satisfied with it. When I got my new bill last month for the next six months, Geico had fully doubled the premium, with no explanation as to why. No accidents, no tickets, no change in coverage, etc. Just twice the premium. So I moved to AAA for less than the original premium from Geico. Don't fall into the trap of loving your current auto insurance carrier. They don't care about you.

[bopat]

Our quote from State Farm was about HALF what we pay for a full year in NY.
When I mentioned that to the agent, her response - "oh, that's a 6 month quote"
Hmmm....

[GatorFan]

I have a friend who moved to a city just Northwest of Atlanta. Her auto insurance is much higher there.