Davie Car Insurance

Everything You Need To Know About Car Insurance in Davie, FL

Davie is a large Florida town in Broward County. It is home to number of families and college students and is where the Miami Dolphins practice. This town is known for its “Wild West” architecture and Western feel, but residents must still adhere to Florida laws. This includes the requirement to carry car insurance that meets or exceeds the state-required coverage minimums if you own a vehicle. When you compare Davie, FL auto insurance quotes from at least three different providers, you can be certain that you are not overpaying for the policy you choose.

Finding quality insurance at an affordable price is easy when you work with an independent insurance agent in the Trusted Choice® network. These agents can quickly obtain a selection of competitively priced Davie car insurance quotes from a variety of reputable insurers. They can also explain your various coverage options and answer your insurance-related questions. Find a Trusted Choice agent near you to learn more.

  • National average cost per year: $1,311
  • Florida average cost per year: $1,742
  • 5th Most expensive auto premium in the U.S.

Auto insurance rates in Florida are considerably higher than the national average. However, the average rates shown above should just give you an idea of what your costs might be. Actual rates vary significantly from one person to the next because they are calculated using several different variables. When calculating the cost of your Davie car insurance premiums, insurance companies will consider the following:

  • The make, model and year of the vehicle(s) you wish to insure
  • The age, sex and marital status of all drivers in your household
  • The driving record and claims history of all drivers in your household
  • Your location, i.e., your ZIP code, and where you store your car, e.g., on the street, in a garage etc.
  • The amount of coverage you wish to purchase
  • The deductible you are requesting

Every insurance company has its own way of calculating risk and determining rates, so comparison-shopping puts you at an advantage by enabling you to choose the policy that offers the best value for your money.

Florida Car Insurance Requirements

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal injury protection (PIP): required
  • Uninsured motorist coverage: not required
  • Minimum liability limits: 10/20/10; Coverage up to $20,000 for all persons injured in an accident, subject to a limit of $10,000 for one individual, and $10,000 coverage for property damage

Florida requires drivers to carry auto insurance coverage that meets or exceeds these state-mandated minimums. Minimum liability limits for drivers who have been convicted of a DUI are much higher at 100/300/50.

Florida has some of the lowest liability requirements in the country. Unfortunately, with the rapidly increasing cost of medical care, these minimums may not be sufficient to fully cover you if you cause an accident that results in injuries that require medical care such as surgery or long-term care. If you have a lot to lose, you can safeguard your assets by buying Davie car insurance with higher liability limits. A Trusted Choice agent can help you determine how much coverage is ideal for your situation.

Number of Uninsured Motorists in Florida

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Florida drivers: 23.80%

Driving without insurance in Florida has consequences. If you are caught, you will face suspension of your driver’s license, plates and registration until proof of insurance can be produced and you have paid a fine of between $150 and $500. Despite this, Florida has the second highest rate of uninsured drivers in the nation, with almost one in four drivers breaking the law.

If an uninsured or a hit-and-run driver is responsible for an accident that causes you property damage or injuries, you may find it extremely difficult, if not impossible, to collect reimbursement for your losses. Unless, that is, your Davie auto insurance policy includes uninsured motorist coverage. In this case, your insurance company will cover your damage and then attempt to collect funds from the offending driver on its own behalf.

Number of Auto Thefts in Florida

  • National number of thefts per 1,000 vehicles: 2.94
  • Florida number of thefts per 1,000 vehicles: 2.48

The rate of car theft in the state of Florida is lower than the national average, but in Davie, the rate falls somewhere in the middle. In 2013, there were 262 auto thefts reported in this town. That equates to about 2.71 car thefts per 1,000 vehicles.

If your car is stolen or damaged by vandals, your insurance company will provide compensation only if your auto policy includes comprehensive insurance. This insurance also covers damage caused by such things as vandalism, flying debris, falling objects, flooding and other noncollision-related damage. If you are still paying for your vehicle, you probably carry comprehensive insurance already because most lenders require it until the loan is paid off.

Find a Davie Car Insurance Policy

If you are looking for an affordable Davie auto insurance policy that will provide the right coverage for you and your family, it is to your benefit to work with an independent agent in the Trusted Choice network. These agents are free to work with several insurance companies, so they can collect a variety of suitable policies and costs for you to compare.

As the owner of a vehicle, you are required to carry auto insurance, but you are not required to overpay for it. There are several Trusted Choice agents located throughout the state of Florida, and some have offices in and around the town of Davie. Find an agent near you to learn more about your coverage options, and find out how comparing Davie car insurance quotes can save you money on your premiums. 

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