According to this, the top five are
1. Michigan: $3,643 per year
2. Florida: $3,244 per year
3. Louisiana: $3,040 per year
4. Delaware: $2,881 per year
5. Nevada: $2,788 per year


Car Insurance Rates by State (June 2024)

Emery Abshier Insurance at 352-245-2423 in Belleview. 6041 SE Abshier Blvd.

People have multiple avenues for keeping somewhat of a lid on their insurance costs.

First, consider the price of the car or home. You'll pay plenty more in insurance for a larger, fancier, more costly auto or home. If that's want you want - great. But, expect to pay the commensurate costs.

Second, people should have a detailed discussion with their insurance agent about the line-by-line items on the bill or quote. Once they really understand them, they may be inclined to make some adjustments that will save them money. (I keep my policies shaved down to only what I think makes sense for my circumstances and risk tolerance.)

The deductible: I haven't polled friends in a while to ask what level of deductibles they have but, was very surprised, years ago, to realize how low so many had them. Like $250 on a car and $500 on a home. Well, yeah, you'll pay higher rates that way.

Lastly, yes, it's worth the time to shop around every few years to see if better opportunities are available. They probably are.

When my USAA car insurance was increased about 25% in the past two years, I wasn't too happy. After reading some of the post here, it turns out I'm lucker than many. I'm paying $1550 a year for a newer car. My homeowner's insurance was reduced by $900. I adjusted the insured value of my home that they had been increasing every year. I have a mortgage so that's the defining issue for home value being insured. Insurance companies always count the land in the home valuation. If my home burns to the ground, the lot is still there. My lot value is 20% of my total home valuation. I don't feel a need to insure the land.

What insurance pool classification are you in?
Clean record, excellent credit score has nothing to do with your premiums. .
maybe 50 years ago, but that all changed with large scale computing

former child actor
Boomtown, 1965
Romper Room, 1965

Boomtown.....as in Rex Trailer?

I got some good results with Lisa Faina, Allstate agent in Cooper City Fl. (Wherever that is) everything was handled by phone and e-mail. Allstate does not write property insurance in Florida now, but she arranged a fair quote from Tower Hill Insurance Exchange, a Gainesville mutual. < https://agents.allstate.com/lisa-faina-cooper-city-fl.html>

This is for everyone, not just the OP:

Here are the only solutions, but you won't like what I post:

1) pay the premium
2) self-insure
3) move to a state with cheaper insurance

Option 4---complain on TOTV---might not be as productive as the other 3

Option # 6. Get in touch with your State legislators and put some pressure on for some real changes in Florida insurance.

________________

OP did NOT seem to be complaining. Simply stating facts and asking for suggestions. armchair poster...

What's option 5??? :1rotfl::1rotfl::1rotfl: Or have we switched to a non-linear numeric system??

So I'll add #5---Wait years and years after doing #6

Oops my mistake. First one this year. LOL

What is your definition of good results?

We've been very happy with Allstate, and Castle Key for our home.:wave: