If you’re getting turned down by traditional insurers due to a spotty driving record, the Texas Automobile Insurance Plan Association (TAIPA) is probably your best option. It only offers the bare minimum required by law, it’s more expensive than traditional insurers, and you’ll have to show proof that you’ve been turned down by at least two companies. It’s a last resort, but TAIPA will get you back on the road.
The most expensive place for auto insurance in Florida is the urban metropolis of Miami. Between its miles of beaches and its three-time NBA champions, the Miami Heat, the city's residents do not shy away from high temperatures, and average auto insurance premiums here are just as high. Auto insurance in Miami costs about $2,198 per year—which is about double the Florida mean.
Auto insurance rates in California are among the most expensive in the nation, with annual premiums of $1,665 per year on average. Additionally, auto coverage rates in the state have increased 13% from 2017 to 2019 across the 10 largest insurers. While some price hikes are unavoidable, the best way to get low rates is to shop around and compare quotes.
As it currently stands with Texas, in the event of an accident, there’s a one in seven chance that the other driver won’t be insured. Unless you’ve purchased uninsured/underinsured motorist (UM/UIM) coverage, that’s money out of your pocket. Texas’s minimum requirements also don’t account for comprehensive coverage, which you’ll definitely want to take into consideration, since the state ranks first for monetary losses from “catastrophes” like hail storms and hurricanes.