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Florida insurance rates: Car insurance premiums were at an average of
$1.00 in the state of Florida during the year 2008. This figure
represents a change of 4.40% when compared to the rates from 2007, which
averaged at $1.00. Information from 2008 average rates show that
liability coverage was at $756.04, collision insurance averaged at
$280.92 and comprehensive coverage averaged at $113.68. There were 5
states that showed higher average car insurance rates than Florida and
44 which had lower premiums. When looking at the year 2007, we see that 4
states had higher rates. Examining a longer trend, in 2000, premiums
for auto insurance were averaged at $780.99. In 2005, this figure was at
$850.25. In 2000, there were 10 states which had higher car insurance
rates than Florida.
Some factors responsible for determining insurance rates in Florida:
- Maximum speed limit inside cities: 65
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Maximum speed limit possible on highways: 70
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Blood alcohol (BAC) limit: 0.08%
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Laws on open alcohol containers: All occupants of a vehicle are
prohibited from being in possession of an open alcohol container.
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Laws concerning hand held cell phones: No statewide ban is currently in
effect on cell phone use by drivers.
-
License suspension period for DUI: License will be suspended for 6
months following conviction for a first offense for DUI.
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Possibility of restoration after DUI: Under limited circumstances,
driving privileges could be restored after 30 days have passed since
suspension.
Auto insurance cost data for Florida:
- Average premium - 2008: $1.00
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Average premium - 2007: $1.00
-
2007-2008 percentage of change: 4.40%
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Average collision cost - 2008: $280.92
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Average liability cost - 2008: $756.04
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Average comprehensive coverage cost - 2008: $113.68
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Nationwide premium rank - 2008: 6th
