In the US, car insurance is very important. The last natural disaster in Florida had a big impact on a lot of people. Florida was hit by Hurricane Helene on September 26, 2024. It was a category 4 storm.

This caused damage to homes, businesses, and power lines. A lot of people lost their cars, and others had to get theirs fixed. That’s why a lot of people in Florida are thinking about paying more for full coverage and want to know how much car insurance costs.

Car insurance: Average premium for full coverage in Florida

When it comes to Florida, Bankrate says that the average premium for full coverage is about $4,088 per year. There is no doubt that natural disasters drive up prices a lot. Prices can go up for other reasons as well, of course.

For instance, the number of drivers in a state, the state of the roads, the amount of traffic, and the cost of living in your area. Not to mention that the bare minimum insurance needs in each state are different.

There is a big difference in the cost of car insurance between Florida and the states nearby when you look at the average premium for full coverage. In Georgia, it’s about $2,876 and in Alabama, it’s about $2,056.

Florida has one of the highest average car insurance costs in the USA

Bankrate says that the large number of drivers in Florida who do not have insurance is one reason why rates are so high. People who don’t have insurance can cause a lot of trouble in an accident.

Also, there are a lot of people living in this state, so there is a lot of traffic. There are more chances of an accident happening when there are more people and drivers.

As a result, the cost of car insurance keeps going up. One more thing that affects the cost of car insurance in Florida is the high number of deaths in accidents. They are also to blame for hurricanes. One happened in September, and another one might happen soon.

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