How to lower your car insurance in Florida in 2026

The order that saves the most

1. Compare carriers with the same coverage. This is the biggest lever and costs you nothing in protection.
2. Fix what's on the policy. Remove sold cars and drivers who moved out; add the discounts you qualify for.
3. Adjust deductibles. Raise them to an amount you could pay tomorrow.
4. Only then, look at coverage. And never start with the lines that protect you from other drivers.

Moves that lower the price without gutting coverage

1. Re-shop at every renewal. Each carrier is filing different rate changes right now. Your current company may not be the one cutting the most.
2. Raise collision and comprehensive deductibles to an amount you could pay tomorrow, often $1,000.
3. Pick a PIP deductible if you have solid health insurance.
4. Ask for every discount: multi-car, home plus auto, paid in full, autopay and paperless, good student, anti-theft devices, safe-driving apps.
5. Drivers 55 and older: Florida requires insurers to give a discount after you finish a state-approved accident prevention course. It lasts three years.
6. Clean up who's on the policy. A child who moved out with their own car, or a car you sold, may still be listed.
7. Drop collision on an old car when the yearly cost of collision is more than about 10% of what the car is worth.
8. Quote early. Some carriers give a discount for shopping several days before your new policy starts.

Discounts to ask about

Discount	Who usually qualifies
Multi-car	Two or more cars on one policy
Multi-policy (bundle)	Home, condo or renters with the same company
Paid in full	Paying the 6- or 12-month premium at once
Autopay and paperless	Automatic payments and e-documents
Good student	Full-time students, often with a B average
Mature driver course	Drivers 55+ after an approved course (Florida law)
Safe-driving app	Drivers who opt into a program like Snapshot or IntelliDrive
Continuous insurance	No gap in coverage

Availability and amounts vary by carrier. See the carrier pages for each one: Progressive, Travelers, GEICO.

A worked example

A Kendall family with two cars and a 17-year-old gets a renewal $600 higher than last year. Here's the order David would work through:

• Compare the same coverage with every carrier the agency writes. Often the biggest single drop.
• Add the good student discount with a recent report card, and assign the teen to the older car where the carrier allows it.
• Raise the collision deductible on the older car from $500 to $1,000.
• Leave bodily injury and uninsured motorist alone. With a teen driver, those limits matter more, not less.

Moves that look cheaper but cost more later

• Dropping to the state minimum with a car loan (your lender can add expensive force-placed coverage)
• Removing uninsured motorist coverage
• Letting the policy lapse "for a month." A gap in coverage usually raises your price for years.
• Leaving a household driver off the policy. It can lead to a denied claim.

What David does differently

He quotes several carriers at once and shows you the same coverage side by side, so you see the real difference in price, not a cheaper policy that quietly covers less.