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South Florida Insurance

Nolegirl01

Member
May 3, 2021
88
180
Weston, FL
To all those who live in South Florida, how much are you guys paying on insurance for a Model Y? I know there are different factors to consider but I’m just curious what kind of numbers you guys are getting. I have Geico and they just quoted me $257 a month. Just wanted to compare and see if that is high, low or just about right. Thanks!
 

Nolegirl01

Member
May 3, 2021
88
180
Weston, FL
A lot depends on your driving record.
I have no accidents and no tickets and drive less than 7,500 miles/yr
Plus, I'm a senior citizen.
State Farm premium for 6 months is just under $600. Your quote sounds very high - shop around.
I'm 34, no accidents in the past 5 years and no tickets. I use to drive about 10k/yr pre-covid. Now I drive less because I'm working from home. I looked into Geico because my current car and my husband's car along with our RV are all lumped into one with Geico, but yeah I will definitely need to shop around. It seemed high when she told me but I figured it was Tesla. But I will look into other companies.
 

Nolegirl01

Member
May 3, 2021
88
180
Weston, FL
I'm 65, live in Sebring Fl. and have state farm. I pay 706 every 6 months for full coverage (100-300,000) with 200 deductible.
Oh nice! Yeah in my area, after shopping around, progressive seems to be the lowest. They were quoting me about $100 a month. Might bump it up a bit to have more coverage but nowhere near what Geico was quoting me.
 

Benm1020

New Member
May 7, 2021
4
0
Tampa
I’m in Tampa, progressive was by far the cheapest. I’m young under 25 and it’s $840 every 6 months. Paying for 250k/500k liability, same for uninsured, pip, medics payments etc , $1k deductible. Clean driving record never had a ticket.
 
I’m in Tampa, progressive was by far the cheapest. I’m young under 25 and it’s $840 every 6 months. Paying for 250k/500k liability, same for uninsured, pip, medics payments etc , $1k deductible. Clean driving record never had a ticket.
It's funny how I had progressive for the M3 and they were the cheapest around. But since getting my 2021 MY they were 250.00 more than state farm for a 6 month policy. I can't understand why since the last moving violation I got was in 1982 and my last accident was in 2005
 

Eric9610

Member
Sep 4, 2020
113
100
So Cal
I have State Farm and coming from my E300 the MY went down $2 per month. Paying $128 per month max coverage. We also have a multi line policy with SF.
 
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Benm1020

New Member
May 7, 2021
4
0
Tampa
Oh nice! Yeah in my area, after shopping around, progressive seems to be the lowest. They were quoting me about $100 a month. Might bump it up a bit to have more coverage but nowhere near what Geico was quoting me.
If you own a home I would insure to the max you can. And if the home is very expensive I would look into an umbrella policy.
It's funny how I had progressive for the M3 and they were the cheapest around. But since getting my 2021 MY they were 250.00 more than state farm for a 6 month policy. I can't understand why since the last moving violation I got was in 1982 and my last accident was in 2005
state farm was going to be $1200/6months for similar liability and deductible. (250k/500k) $1k deductible. I’m assuming it’s because I’m younger that’s why it was so expensive for me with State Farm.
 
If you own a home I would insure to the max you can. And if the home is very expensive I would look into an umbrella policy.

state farm was going to be $1200/6months for similar liability and deductible. (250k/500k) $1k deductible. I’m assuming it’s because I’m younger that’s why it was so expensive for me with State Farm.
Probably age plays a part. Also, I have 100/300k with 200 deductible. You having almost twice the coverage could be a factor too
 

ReggaeDragon

Member
Feb 11, 2020
46
30
Miami
I quoted GEICO because I was already with them for my other cars in the house and the quote was really high. I then got a much better quote from Progressive. I then ended up checking what the rest of my cars would cost all together and I saved over $400 a month compared to GEICO so I was very happy to switch. Didn't quote State Farm but I was happy with Progressive.
 

Mikearr

New Member
May 7, 2021
1
2
Delray Beach, FL
I’m a 34yr/o male in Delray Beach (Palm Beach County). No accidents/tickets. Just got my LR MY last week. Was paying $575 every 6 months with Geico for my Wrangler for $100k/$300k bodily injury, $500 deductible for comprehensive/collision but they wanted $850 for the Tesla. I switched to State Farm who quoted me $650 every 6 months for the same coverage.

Heard about State Farm bc of Nerdwallet (googling cheapest insurance) at this page:


Good luck!
 

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