Cheap Auto Insurance for Snowbirds in 2024 (10 Most Affordable Companies)
Erie, USAA, and State Farm are the top three companies for cheap auto insurance for snowbirds, with rates starting around $22/month for minimum coverage. Snowbirds are people who move to a warmer, more southern state for the winter. Driving in another state often requires additional coverage, with Florida having specific rules for snowbirds.
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Joel Ohman
Certified Financial Planner
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joe...
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UPDATED: Jun 12, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 12, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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When looking for cheap auto insurance for snowbirds, Erie, USAA, and State Farm are going to have the best options, with minimum coverage beginning around $22/month. Planning for your winter snowbird escape to Florida, there are going to be a lot of things to consider, from where you will stay to who will take care of your pets while you’re gone. One thing you may not have given much thought about is your auto insurance.
Florida has certain requirements for auto insurance, even if you are just a part-time visitor to the Sunshine State.
- There are special requirements for snowbird insurance
- Even part-time residents may be susceptible to Florida requirements
- Many insurance companies offer discounts for snowbirds
Florida Auto Insurance Requirements
According to the Florida Department of Highway Safety and Motor Vehicles, anyone living in Florida for more than 90 days in a year must comply with Florida’s insurance laws. Those 90 days do not have to be consecutive either, so if you like to make multiple trips to Florida throughout the year you could be subject to those laws.
To meet Florida state law requirements, you need to have at least:
- $10,000 of Personal Injury Protection
- $10,000 of Property Damage Liability
Personal injury protection, otherwise known as Florida no-fault insurance, protects you regardless of who was at fault. When an accident leaves you with expensive medical bills, lost wages, or other unexpected expenses, personal injury protection can help compensate you for these additional costs.
Not only will PIP protect your injuries, but it also covers other injured passengers in your vehicle as well. Since it is no-fault insurance, compensation is quick and stress-free.
While most states have a required minimum amount of auto insurance, it's advisable to look into full coverage in order to be truly protected on the road.Heidi Mertlich Licensed Insurance Agent
Property damage liability pays for property damages when you are at fault in an accident. Most commonly, the property damage will be to someone else’s car but could include damages to buildings, trees, fences, guardrails, telephone poles, lamp posts and more.
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Different Types of Florida Insurance
Florida’s car insurance requirements are quite minimal when compared with other states. If you exceed damages outside of the $10,000 limits, however, you will be held responsible for the remaining costs. It is recommended that you purchase a policy similar to what you have at home to give yourself a cushion of protection while driving around in Florida.
Insurance Company Full Coverage Minimum Coverage
Erie $58 $22
USAA $59 $22
State Farm $86 $33
Travelers $99 $37
Progressive $105 $39
Nationwide $115 $44
American Family $117 $44
Farmers $139 $53
Allstate $160 $61
Liberty Mutual $174 $68
There are a few different common types of car insurance you may want to consider in addition to what is required by Florida law.
Bodily Injury Liability Coverage
Bodily Injury Liability pays for medical expenses or funeral costs for the injured party when you are at fault in an accident. It also provides protection from being sued in a lawsuit. If the other party sues you for damages, it will provide you compensation for a defense attorney.
Bodily injury liability is usually denoted by a fraction such as 50/100. The first number is the maximum amount the insurance company will pay out for injuries to a single person ($50,000), and the second number is the maximum amount the insurance company will pay out for all individuals who were injured in an accident ($100,000).
Is your insurance knowledge full of “ums,” “I thinks,” and “maybes”? If so, follow us for some helpful info everyone should know. pic.twitter.com/Ppgehjg18Y
— Farmers Insurance (@WeAreFarmers) June 11, 2024
Without bodily injury liability insurance, you could be sued for hundreds of thousands of dollars. If you can’t afford to pay, then your assets and future income could be taken away from you.
Collision Coverage
Collision pays for damages to your vehicle when you are in an accident with another vehicle or object, regardless of who caused the crash. It can also be applied to parked cars as well.
Would you know what to do if someone hit your parked car? Here are some tips on what to do if this happens to you. https://t.co/jGoBYAFD12 pic.twitter.com/hsrMs9Qka5
— Liberty Mutual (@LibertyMutual) October 19, 2023
This type of coverage only applies to your vehicle in an accident and does not include injuries or property damage.
Comprehensive Coverage
Comprehensive pays for damages from accidents other than a collision. Comprehensive will cover damages to your vehicle due to hurricanes, which are considered to be a frequent threat to Florida.
Uninsured/Underinsured Motorist Coverage
Uninsured/underinsured motorist coverage helps with costs from injuries sustained from a car accident with an uninsured driver. If you are hit by someone who is at fault and does not have car insurance, then having this insurance is important.
Uninsured covers medical expenses, lost wages, and compensation for pain and suffering. This coverage also applies if you or your passengers happen to be the victim of a hit-and-run accident.
Florida just so happens to be in the top ten states for people driving uninsured. You certainly don’t want to be in an accident with someone who has no coverage and can’t afford to pay for your damages.
The amount of coverage you have will affect the price of your premium. Always stay within the lines of what you know you can afford.
Snowbird Insurance in Florida
Some people try to save money by registering their vehicle in their home state only. Doing this ensures they only have one insurance policy and one insurance agent to deal with. This could turn out badly if you get into an accident in Florida. Your home insurance could refuse to pay your claim because you misrepresented your location.
It is important that you buy Florida insurance through a Florida insurance agency. The good news is many of the big name insurance agencies around your area will likely have agencies in Florida.
Saving Money on Snowbird Insurance in Florida
Fortunately, Florida is known for having the lowest rates on car insurance in the country. One way to get the best rates is to shop around and compare multiple quotes. Make sure the company is reputable and do some research with the Better Business Bureau. You can also look into whether or not your provider offers any sort of discount program.
Shout out to Allstate customers who use our Drivewise app! A national survey found, on average, Drivewise customers:
📞 handle their phones 44% less while driving
🚀 spend 23% less time driving at high speeds
🚙 have an 11% lower rate of hard braking https://t.co/5GeR2nydjm— Allstate (@Allstate) April 19, 2024
There are other great ways to get discounts that can lower your insurance premium as well.
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Frequently Asked Questions
What is a snowbird in terms of auto insurance?
In the context of auto insurance, a snowbird refers to individuals who temporarily relocate to warmer climates during the winter months, typically to escape cold weather. Snowbirds often drive their vehicles to their winter destinations and may need specific insurance considerations for this seasonal change.
Do snowbirds need separate auto insurance for their winter destination?
Snowbirds typically do not need separate auto insurance for their winter destination if they maintain a permanent residence and auto insurance policy in their home state. However, it’s crucial to inform your insurance provider about your plans and ensure that your policy covers the extended stay in your winter location.
What factors should snowbirds consider when reviewing their auto insurance policy?
Snowbirds should consider several factors when reviewing their auto insurance policy, including:
- Coverage limits: Ensure your liability and comprehensive coverage limits are adequate for both your home state and winter destination.
- Vehicle usage: If you plan to drive extensively in your winter location, notify your insurance provider to ensure appropriate coverage.
- Storage options: If you leave your vehicle unattended for extended periods, discuss storage options and potential premium adjustments with your insurance provider.
Should snowbirds update their address with their insurance provider during their winter stay?
Yes, snowbirds should inform their insurance provider about their temporary address change during their winter stay. This ensures that the insurance company has accurate information and can provide appropriate coverage and assistance in case of an incident while at the winter destination.
Can snowbirds use their out-of-state insurance coverage in their winter destination?
In most cases, out-of-state insurance coverage extends to your winter destination. However, it’s important to review your policy terms and confirm coverage with your insurance provider. Some states may have specific requirements or limitations, so it’s advisable to inform your insurer and discuss any potential adjustments or endorsements needed.
Are there any auto insurance discounts available for snowbirds?
Snowbirds may be eligible for certain auto insurance discounts, depending on their circumstances. These can include multi-policy discounts (if you have multiple policies with the same insurer), low-mileage discounts (if you primarily use your vehicle during certain months), or discounts for maintaining continuous coverage. Check with your insurance provider to explore available discounts.
What should snowbirds do if they plan to rent a vehicle at their winter destination?
If snowbirds plan to rent a vehicle at their winter destination, they should consider options such as purchasing rental car insurance or verifying if their current auto insurance policy extends coverage to rental vehicles. Some credit cards also provide rental car insurance benefits, so it’s worth checking with your credit card provider.
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Joel Ohman
Certified Financial Planner
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joe...
Certified Financial Planner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.