Cheap Auto Insurance Quotes in Altamonte Springs, FL, for 2023

Car Insurance in Altamonte Springs, FL

On average, car insurance in Altamonte Springs costs $245 monthly, but this amount varies based on a number of things, like your insurance needs and the company you buy from. There are a lot of ways to get a policy to fit your budget without having to skimp on the auto insurance coverage you need, and one of those ways is comparing car insurance quotes online.

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Cheap Car Insurance Florida

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Cheapest Car Insurance in Altamonte Springs, FL

You don’t necessarily need to buy from a big brand name to get a high-quality policy. There are plenty of smaller and local insurance agencies and companies that offer the coverage you need at a price you can afford. See the table below for the average monthly rates from providers in Altamonte Springs.

Minimum Car Insurance Requirements in Florida

All motor vehicles operated or parked on Florida roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Florida^[1] are:

• $10,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident. Florida is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.

• $10,000 per accident for PIP

Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

Altamonte Springs Car Insurance Rates by Driving and Accident History

There are a lot of reasons you might find your rates or premiums higher than usual. One of the biggest factors that affect how much you pay for your insurance policy is your driving history^[2]. Everyone has a unique driving record that impacts costs. If yours is full of violations like car accidents, speeding tickets, and other violations, chances are that you’ll end up paying more.

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High-Risk Car Insurance Florida

DUI Car Insurance Florida

Altamonte Springs Car Insurance Rates by Credit Tier

Another reason you might see rates higher than average is your credit score. While some states have outlawed using this to impact the cost of insurance products, Florida still uses it to judge things like your financial health and level of responsibility^[3]. People with a higher score tend to benefit and are rewarded with cheaper costs, while those with poor credit see the opposite.

How to Get the Cheapest Car Insurance in Altamonte Springs

If you want to save on your monthly bill, you can try bundling your auto insurance with other policies you already own, like renters insurance, homeowners insurance, life insurance, and more. You could also cut out extra add-ons to save, as well as look around for eligible discounts, like having multiple drivers on your policy or reduced rates for students.

You can get the protection you need at a price you can afford when you shop around. No one should have to skimp on necessary coverage like increased accessibility, medical payments, or protection against vandalism just to save money. Insurify can help you compare rates easily and without ever having to dial a phone number to speak with an insurance agent.

Frequently Asked Questions