We collected quotes from a variety of insurance companies across 142 towns and cities in California. Our sample driver was a 30-year-old male who drove a Toyota Camry. To obtain quotes, we kept parameters for getting coverage the same, such as that he was single, had a good credit score and a clean driving record. The only parameter that changed was the zip code where he lived in California. The amount of coverage we opted for gave our driver bit more than what is required of state minimums.
A lot goes into an auto insurance rate quote, including your ZIP code, coverage levels, marital status, annual mileage, driving history and vehicle make, year and model. In most states, your gender and credit history are also used to determine rates. And again, the reason auto insurance comparison shopping is so important is because rates between companies are different for each person, too.
The sixth largest city in Florida, Hialeah is located just nine miles northwest of Miami. Named for the pretty prairie the city was founded on, Hialeah is known for Hialeah Park, a grand thoroughbred horse race track. Equestrians and other residents in Hialeah can see an average annual car insurance cost of around $2,198, likely in large part due its proximity to Miami. For nearly a 50% savings, consider Florida Farm Bureau GEICO, and Travelers, which are the lowest cost providers in the Miami-Dade County, according to our analysis.
Premiums, in our tests, were within the average price range of other websites we tested. Costs were slightly above average for 44- to 55-year-old customers, but not by a lot. Even though we tried to test as comprehensively as we could the quote you get back will vary depending on your own needs and medical history. There are benefits available through the health and wellness program. You can get discounts for health clubs, fitness monitors, diets and other health-related products and services as well as a prescription manager where you can order your medicine online or through the mail. You can also find in-network doctors anywhere on the website or mobile app, which is useful when traveling. And speaking of traveling, temporary international coverage is available.
We averaged Florida auto insurance rates for three sample policyholders across 26 insurers in 67 counties. Premiums are averaged at the parent company level, since drivers can't choose which affiliate underwrites their insurance. Our sample policies included bodily injury and property damage liability coverage. Below, we have summarized the three driver profiles we used to gather quotes:
To get the cheapest car insurance rates in San Francisco, start with Century National, GEICO, Nationwide, Grange and State Farm. In aggregate, these companies charge an average of $1,288 a year to insure a car in San Francisco - about 32% less than the city average. Overall, the Golden Gate City was the 55th most expensive city in California. With over 963 miles of public roads and the beautiful 49-Mile Scenic Drive, there is a lot of territory for San Fran’s 805,000 residents to drive.
Cash in on major life changes. Certain life events could translate to cheaper car insurance, so shop for quotes whenever something major changes in your life. For instance, many companies offer a lower rate for married couples or domestic partners. Or perhaps you moved to a suburb with lower accident and crime rates. If your risk for accidents goes down, your rates just might, too.