Car Insurance Rates After an Accident in Florida

TAMPA, Fla., Sept. 29, 2025 /PRNewswire/ -- According to a recent report by FreeAdvice.com, Florida drivers who have been in an accident can find the lowest car insurance rates from State Farm and Geico.

According to the report, drivers may be able to find minimum coverage rates starting at $38 from State Farm.

Top 10 Providers for Drivers in Florida With One Accident

FreeAdvice.com's top ten providers are as follows:

1. State Farm
2. Geico
3. Progressive
4. Allstate
5. Amica
6. Liberty Mutual
7. Farmers
8. Nationwide
9. Travelers
10. The Hartford

Each of these providers offers a bundling discount that can help drivers earn a discount when they purchase an auto policy and a home insurance policy.

Car Insurance in Florida

Florida is a no-fault insurance state, so drivers are required to carry Personal Injury Protection (PIP). Each party in an accident is responsible for paying for their own injury costs, regardless of who was at fault. PIP insurance of $10,000 fulfills the state requirements.

Drivers must also carry a minimum of $10,000 in property damage liability. The responsible party must cover the property damage costs after causing an accident.

Although the state requires only $10,000, Melanie Musson, a nationally recognized car insurance expert with FreeAdvice.com, explains, "Crashes often cause damages that far exceed $10,000 to repair. For better protection, drivers should consider property damage liability limits of $70,000 to $100,000."

Finding Lower Rates Following an Accident

One of the best ways to find lower rates after an accident is to sign up for the insurance provider's monitoring program. Progressive Snapshot is one of the more familiar programs, but many top insurers offer similar programs.

Depending on the circumstances of the accident, some drivers may be eligible for lower rates if they complete a safe driving course.

Discounts for paperless billing, vehicle safety features, being a good student, and many others are additional ways to save. Drivers with full coverage insurance can get lower premiums by increasing their deductible.

One of the easiest ways to find lower car insurance premiums is to compare quotes and switch to a company that offers lower rates.

Check out FreeAdvice.com's entire report here: Best Car Insurance After an Accident in Florida.

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SOURCE FreeAdvice.com