Compare Coral Springs, FL Car Insurance Rates (2021)

The cheapest Coral Springs, FL car insurance is offered by State Farm, although rates will be different for every driver. Car insurance in Coral Springs, FL must meet the Florida minimum requirements of 10/10 in PIP and PDL coverages. Since this is very little coverage, drivers should consider additional coverages.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: May 25, 2021

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Here's what you need to know...

  • State Farm offers the cheapest average car insurance rates to all drivers in Coral Springs
  • Coral Springs, FL car insurance is more expensive than average
  • Drivers in Coral Springs don’t have to carry liability coverage since Florida is a no-fault state

Coral Springs, FL car insurance is more expensive than both the Florida car insurance average and the national average.

The good news is that you can still find affordable Coral Springs, FL car insurance if you shop around. Compare quotes from different companies to see who can offer you cheap car insurance coverage.

Enter your ZIP code to compare Coral Springs, FL car insurance rates from multiple companies near you for free.

What is the cheapest car insurance company in Coral Springs, FL?

The cheapest Coral Springs, FL car insurance company is USAA, however, it only offers coverage to members of the military, veterans, and their families. The cheapest company that offers coverage to all Coral Springs drivers is State Farm.

The top Coral Springs, FL car insurance companies listed from least to most expensive are:

  • USAA – $3,637.33
  • State Farm – $4,449.72
  • GEICO – $5,397.53
  • Nationwide – $5,791.78
  • Progressive – $6,568.47
  • Liberty Mutual – $6,762.84
  • Allstate – $9,463.69

Car insurance rates are affected by many different factors, such as your age and driving record. Where you live and the size of your city also affects your rates. Larger cities with more crime and traffic will pay more for car insurance. For example, Hialeah, FL car insurance is much more expensive than coverage in Coral Springs.

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What car insurance coverage is required in Coral Springs, FL?

Most states require that drivers carry at least a minimum amount of auto insurance. Florida is no different.

The minimum amount of auto insurance required in Coral Springs is:

  • $10,000 in personal injury protection (PIP) coverage
  • $10,000 for property damage liability (PDL)

Florida is unique in that it does not require you to have bodily injury coverage. That’s because Florida is a no-fault state. This means that if you are in an accident, your auto insurance pays for damages and injuries, regardless of who is at fault.

If you opt to carry bodily injury insurance, you’ll need $10,000 for one person and $20,000 for two or more.

What affects car insurance rates in Coral Springs, FL?

Your auto insurance rates can go up if you live in a city with a lot of traffic. More traffic means a higher chance of being in an accident.

Although INRIX doesn’t have data for Coral Springs, FL, it does rank nearby Miami as the ninth most congested city in the U.S.

City-Data reports that most drivers in Coral Springs commute around 20 minutes, but a large number commute an hour or more.

Theft can also raise your car insurance rates. According to the FBI, there were 211 motor vehicle thefts in one year in Coral Springs.

Coral Springs, FL Car Insurance: The Bottom Line

Coral Springs car insurance is more expensive than average, so it’s important to shop around before you buy Coral Springs, FL car insurance. Each company will offer you different rates so comparison shopping is a must.

Enter your ZIP code to compare Coral Springs, FL car insurance quotes for free today.

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