Move to Florida, pay nearly twice the average auto insurance rates
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- čas přidán 21. 08. 2024
- Florida drivers pay nearly double for car insurance than the rest of the country.
“We actually had to switch auto insurance because it was getting close to $300,” said Jeffrey Larmore.
Florida is one of the most expensive states in the country for car insurance.
Lets not forget home insurance .
There is actually more of a problem in the home insurance industry than the car insurance industry. It seems like during June and July I was seeing a headline about a home insurer leaving the business in Florida, Louisiana or California every other day. It would actually be cheaper for me to insure my car in Los Angeles or San Francisco than it is in rural Northern Michigan and I carry $5 million in liability coverage, there is a base $1 million car insurance policy and a homeowner's policy with the same limits that are capped with an umbrella policy. If you are poor and only need minimum PL/PD in California it is only about $400 a year with a clean driving record (not that people making $15 an hour with a family to house and feed can afford even that). In Michigan it is quite a bit more even with insurance reform in full effect.
I have excellent credit and not a ding on my license, yet my insurance is high.
Me too😢
Same
The most important thing is your zip code. If you live in an area they deem too risky, you pay more.
I just smoked a joint while switching to Geico, I guarantee you I'm higher than your rate
@@Scott-fy7fm You could save $690 by switching to Girlco for your insurance. After that, that line of cocaine you sniff will make you higher than a kite! 🤣🤣🤣🤣🤣
this is exactly the type of issue that voters should hold their governor accountable for, yet they would rather focus on other meaningless crap.
The governor - to the best of MY Knowledge- has no control on claims from Hurricane and Storm/Flood damage. What do you want HIM to do about that.? Insurance companies are not in the business of welfare for people who have lost their homes in a Hurricane. They either make enough money to cover the claims possible or they have to get out of that business. THat is why they are leaving Florida. :Laws cannot force them to stay.
@@Thommadura you are talking about issues that ARE NOT EVEN PRESENTED in this video!!!!!
@@timallison8560 The governor has no control over what insurance companies charge.
@@baddriversofthenorcalarea500 that is truly hilarious.
@@timallison8560 You want the government being able to force private companies to charge certain amounts?
Florida is where affordable insurance goes to die.
My husband drove to the store 1/2 a mile away yesterday and saw two accidents. One guy ran over a guy on a bicycle another guy made a left from the right hand lane & ran into an oncoming truck. People do drive crazy here in Florida, you have to always have your head on a swivel and use all mirrors.
it's well known in the cycling community that Florida drivers and the Florida road system are dangerous
Latin Monkeys state sadly
Yep
😡
Lawyers run the show in Florida, it does not matter how safe your driving record is the lawsuits raise the price.
That's what they said about homeowners insurance, so they made it nearly impossible to sue them and Homeowners insurance just keeps going up and up.
@@jessea3165 Homeowners is a totally different deal. Auto is not really affected by hurricanes but maybe floods. There are bad drivers everywhere, Car insurance is half the price in northern Virginia where there is lots of traffic and bad drivers, we need to see a detailed study on why.
They are making a fortune
Florida has no fault insurance which drives premiums up
Right
@@simonebest6013was it just proposed, or did it pass?
NOTHING happens to people NOT insured here!!! My hairdresser was slammed into at a red light, by an 83 y/o man with no insurance who had done it THREE TIMES!! Causing injury all 3 times. He was fined $170 dollars!
You can squeeze blood from a rock.
I kind of figured it’s the old folks causing the high cost of insurance in Florida.
Ironically, it is usually younger people with families that can't afford and don't have car insurance. In my experience us elderly people are usually heavily insured.
because we have to pay for all the people that do not have insurance and cause hit-and-runs! find them and lock 'em up!
Most of them are undocumented immigrants that don't have a driver's license therefore no car insurance. That's why we hav3 to pay extra for uninsured motorist insurance!
Absolutely
@@colleenpeck6347 some not all, just the cost of living is so crazy no one can afford anything; but not an excuse not to have insurance - then they should not drive!
Car insurance should not be required to drive a car. Requiring insurance is another way states criminalize being poor. If I want coverage that would be required of the other driver in a crash I can pay for un/underinsured coverage (which I do here in Michigan). Why should people be required to carry insurance if they are judgement proof?
Yeah so all the crazy drunks and meth heads in your state don't have anything to do? what about the crazy alligator carrying idiots? or the crazy white shooters? or the crazy cubans? yeah blame it all on illegal immigrants. If that makes your insecurity feel better.
Just because some folks commenting that they pay a reasonable rate of insurance does not disprove the point how costly it is to insure a car in Florida.
WHoopee. So you pay more for car insurance and home insurance. How much is your State Income Tax? How high are your property Taxes? Your electric rates are about half of the ones in MY state. My Property taxes are probably many TIMES yours - with my 3 bedroom 1 bath ranch going to $12,000 a year. Natural gas is cheaper in Florida too. Yes - I pay less car insurance - but it does not even compensate for Snow Removal Costs. I live in MY state by choice. YOU live in yours by choice too. Do not expect others to feel sorry for high auto and home rates when we pay FAR more in Taxes alone. THere are states that have lower Auto rates and relatively low Property Taxes =- if you do not like your costs where you are - move.
@@Thommadura go drink some water and calm down
@@internallyinteral I am calm. I have heard enough about how the costs are rising in Florida and somehow the GOVERNMENT has to do something about it. THe costs in Florida are rising because of claims - for ALL insurance companies. Unless the condition that cause the claims change, there is nothing that can be done but pay or leave. Take YOUR Choice.
@@Thommaduraif you don't like it don't watch same way you suggested we move.
@@hectoralicea7719 Actually I have LOTS of family in Florida and also a Home- but I never said I didn't like it - I just explained why it is happening. If YOU do not like me answering - don't read it.
Where is our Governor? We paid outrageous insurance, both homeowners and auto, Governor refuses to make person causing accident to pay!! Blows my mind!! I was in a hit and run on the interstate in Tampa. They found the man and he had insurance but MY insurance had to pay. My premiums have doubled. Diisantis is a joke. 36 % interest approved for lenders to charge us?? Food costs have more than doubled, gas has more than doubled, housing is through the roof and then the rest of this. He's destroying Florida under the costume of being a sweet sheep.
I couldn't agree more.
He’s busy fighting the “woke” 😂
The governor does not control what insurance companies charge.
@@baddriversofthenorcalarea500 he has no problem directing the inept state legislature to make laws to attack companies and censor the groups he dislikes. He corruptly uses taxpayer funds to traffic migrants to blue states for his campaign. Funny that he doesn’t use those powers to solve the real crisis Floridians are facing. He's cosplaying as governor while FL sinks figuratively and literally.
1:03 so in short they don't know how to combat insurance fraud so they pass the buck down the line to the consumer.
Them insurance companies saw all them cash buyers flock down there and said here’s our chance to recoup some $$$ back from theft and fraud claims. 😂😂😂
Yuppp ! it’s becoming like California !
My late mother reminded me often that I needed to watch out for fraudsters, many have a knack for figuring out who has money and/or are elderly and see us as a walking ATM. I am sure that includes some insurance companies.
Let’s not forget Homeowners insurance Skyrocketing rates & Spike in Property taxes
And our Governor isn’t nowhere doing his job he’s too busy running for a presidential candidate spending taxpayer dollars
move to Florida and pay 7 times more for home owners insurance. 3 times more for car insurance and 300 percent more for rent, but hey, at least how much we get paid doesn't change! sick!
Can anyone answer what does your credit score have to do with your driving record? I don't recall my credit history making me a better or worse driver.
Yep it has a lot to do, if your credit score is low insurances love to charge you more, that is what it has to do, is all about control and making you jump through hoops.
@Michael Lisanti I lived abroad and I can tell you that this is only an american excuse to charge you more. This does not exist in any country I've been to, only in the us
@Michael Lisanti They have brain washed you
@stablecable2068 You know that's the dumbest way of thinking, but that's how they think. I would love to know how they came up with this idea?
@@o-sport9849 it’s from decades of data showing that drivers that make a lot of claims have low credit scores. Therefore insurance companies find them riskier to insure and these drivers have to pay more money in premiums.
Car Dependency is a Hell of a drug
I have a 2005, bland sedan paid off. No tickets, no accidents, no claims and i pay 2000.00 a year for basic pip and liability only. It is out of control. I cannot afford to buy a new car because the insurance is almost as much as a new car payment.
2k per annum just for the insurance? Wow
@@richard09able'm paying 4000 per month for basic pip. Yes it can get worse
Fraud is most likely bs. They just don’t want to pay out. Greed
Do u have a study or source? I want to learn more, I'm writing a paper.
we are all paying for the BAD drivers. Law enforcement needs to start road patrols again. Big tickets will help.
I feel for the people that fell for Ronda Santis B.S. Not!
Got that right! He is the worst!
I'm looking for options to move out of FL after 22 years living in Central FL. It's getting worse everyday
@@farithj My place has tripled in price. I'm thinking of going mobile.
@Short Bus Scotty true, but how much are you willing to pay for an overprice mobile home? Or the house insurance? My house insurance went up from $1,700 to 3k in one year with new roof, new ac, and so on. I don't want to imagine how much it will cost to insure a mobile home.
@@farithj I have been in Fl 40 years, this is a gold mine for me.
I'm in nyc I never knew Florida is so pricey.😳
Very pricey
Unaffordable
very pricey but the issue is... in NY you have jobs and urban opportunities, whereas Florida does not. This is not a developed city and opportunities are limited and wages are extremely low.
NYC is way more pricey than Florida for overall living expenses.
@@Gww-1 NYC has way more money to be made, opportunities and wages, Florida has little to none!
Too much fraud
In all fairness FL has the worst drivers in the US…
It’s too hot and flat in Florida, and who wants to live among all those crawling gators.
I would have never moved to Florida if I knew how much my insurance would increase. It doubled. Moved to Virginia and it was cut by 50 percent. Will never move back to expensive
Same story year after year...rinse and repeat.
Yep
And every thieving insurance commissioner does nothing about it.
The more people in an area the higher the cost it's that simple.
and pay over three times the amount for homeowner's insurance--IF you are lucky to find some company who will take you. They are so busy leaving the state.
It's insanity!
And another reason to not go to Florida.
Cant afford to live in Florida any more.
Same 😢
This reporter is captain obvious. What a pathetic “report”.
Bundles other insurance. OHH SOO PAY FOR ANOTHER SERVICE TO MAKE THE ONE I NEED CHEAPER OHH. And WHY DO THEY USE CREDIT SCORES ANY WAY. High credit does not mean safe driver AT ALL .
Actually there is a Direct relationship between credit score and responsibility including being a safe driver. AND - that is only ONE thing that is taken into account as well.
I paid $40 a month in VA but in Florida I pay $200 a month lol
How much is YOUR income tax in Florida? How much was it in VA. I think you are WAY ahead.
@@Thommadura Income tax is nothing, Florida has extremely low wages, I am from Florida and I made significantly less in Florida than what I make in Kansas City, and with income taxes taken from Missouri, guess what? I still make way more in KC than Florida.
@@richardfloridaman So you moved out of Florida to make more money - smart
@@Thommadura Yep, and I am not struggling anymore either. Florida has low wages and high cost of living.
@@richardfloridaman The biggest parts of the Florida employment is in the Hospitality industry and agriculture - two areas that are not known for high wages. However - until the last about four years, the cost of living on Florida was below national average - and in many places in Florida it is still so.
WHY WOULD YOU KEEP REPAIRING! A HOME OVER! AND OVER! AND OVER! AGAIN?. One Moody Plaza is a 23 floor skyscraper at 1902 Market Street in Downtown Galveston, Texas, United States. The building was designed by the architectural firm of Neuhaus & Taylor. At its completion in 1972, One Moody Plaza was the tallest building in Galveston County, standing 357.6 feet (109 m) tall, but was surpassed by the Palisade Palms Condominiums, built in 2008 with 27 floors and standing at a height of 381 feet. The building was listed on the National Register of Historic Places in 2021.
Well that’s cool looks like I’m never gonna have a car lol
Florida is more unappealing every day
Hurricanes, floods, no homeowner insurance…and the ridiculous governor
Move dumbfuck
The same holds true in Detroit, it's not just Florida
New Yorkers are crazy drivers, I lived there. I have no problems living in Florida.
Eliminating lawers might help
Fraud is huge here, it's the biggest reason for high insurance prices and home prices.
It’s true near abt but it’s triple now and they are trying to more higher. My commercial policy was $220 a month which is now $1059 per month
Our Governor don't want to go after the insurance companies they helping pay for his campaign ,with that extra money shame on you Governor
Not even twice, i would welcome that.I just got a quote for over 6000 for a yr on one car.
Go woke go broke 😅
And 3 or 4 times your electricity bill. Rich people can’t even afford a city like Miami or Tampa. No jobs or low pay jobs.
It's the end of the world! Build a shelter!..
Bs, its doubled in every state now. Monthly cost of car insurance is almost as much or more than a car payment.
Florida is 2.5 national avg not every State
I am from Missouri while this goofball thinks he will be paying less in insurance. he will be playing over 10% in sales tax, personal property tax, income tax, higher electric and gas costs, etc etc
Yes! Carbon Emissions Cover also needs to be added.
Wtf does your credit score have to do with car insurance???
Its an indication of the risk you expose the insurer to. People with low credit scores have more insurance claims than people with higher credit scores. If you arent familiar with "Actuaries" you should look into it. They are able to use the law of large numbers to formulate risk. Insurance Companies have been using this method for 500 years now.
Wow, almost $300 per month for car insurance? Is this for one vehicle?
That's for I'm paying for one vehicle in NYC for basic minimum property damage. My car is not even insured, just the damage to others and yet I'm still being charged outrageous price because of my zip code
Why is it the most dangerous state to drive in?
And public transport is non existent so everyone literally needs a car to get around.
Here in Chicago our property taxes are doubling because of the "migrants". Buying votes isn't cheap. I understand. but why do I have to pay?
You mean the asylum seekers. Those are the ones getting the free everything. Hotels, housing, iphones, free food, etc.. .Not the illegal migrants.
Hey let's get all the old drivers crammed into 1 state and see what happens
Some people can't drive in Florida.
Wow, I never knew!!
My wife drove to the store 1/2 a mile away yesterday and saw two accidents. One guy ran over a guy on a bicycle another guy made a left from the right hand lane & ran into an oncoming truck. People do drive crazy here in Florida, you have to always have your head on a swivel and use all mirrors.
I find that hard to believe I moved from Boston my car insurance is a hell of a lot cheaper with the same Co.!
People need to remember the cost of living in conservative run. Florida is just as high as liberal California. Now I would still rather live in Florida because there’s less crime in freedom but either way you’re paying the same amount of money.
Exactly, we’ll said. Florida has it flaws, it is expensive and yes there is a lot of rain, heat and flooding etc but every place is literally the same to a certain degree. What bugs me are the ones that trash Florida with all these problems when they themselves are pretty much suffering through a similar problem and those that aren’t are living in smaller town/cities say parts of NC for example but that’s only because everyone from all over migrated to florida a couple years ago.
Florida is so expensive now because demand is so high. People moving from high cost states pay whatever for a house just because it is cheaper than from where they came from, it has doubled the square foot price of houses in my town, which in turn will run up insurance replacement costs and property taxes.
@@mikec7220 Yeah, demand is true for the real estate prices but the property taxes have always been high in Florida just as high as California.
Lol there is not less crime in Florida. Florida has higher crime rates than New York and on par with California
NOT TRUE for me. My insurance was almost double in NY then what I am now paying in Florida. Maybe the rest of you need to find a better agent.
$70/month here.
Yet they keep flooding into the state.
$100 a month for 2 cars
Not to worry Fla the billionaires will take care of you.
I only pay $50 for auto insurance for me and my wife to be covered.
👀👀
news say people with dui pay less for insurance
Please don’t move to Florida we beg you ..
Why did YOU move there? Unless you are an American Indian, you are not native to Florida EITHER.
@@Thommadura you need to use the same logic and return to Europe then... aside from that, stay out of Florida... you are a roach.
Rebecca
they cant finger it out.
I live better and cheaper in CA! FL bye-bye...
😢
They do not charge for auto insurance in Florida my brother lives there he does not pay any auto insurance it’s a big lie
😂😂😂Wait till he gets in a ACCIDENT AND HURTS SOMEONE or GETS STOPPED 😂😂😂 HES A LIER He thinks your STUPID ENOUGH TO BELIEVE HIS BULL SHIT😂😂😂 GUESS WHAT YOUR STUPID BECAUSE YOU BELIEVE HIS BULL SHIT
Sovcits the people who think they are above the law until they get their windows smashed and taken to jail LOL!🤣🤣🤣
Your brother is the reason that t he rest of us have to pay extra for uninsured motorists insurance. He is a loser!
If you don't own a car you don't pay car insurance. It is like that in much of the country.
troll
But florida is cheaper. 😆 🤣 😂 😹 😆 🤣 . No income tax
Yes, that’s the silliness that people keep telling you why they’re moving to Florida along with the warm weather of course. Meanwhile they’re shelling out enormous amounts for other things, and well we all know what the weather is going to do, it’s going to be the hurricane gift that keeps on giving in the future , exacerbating these problems even more. Someone moving there might want to think twice about it unless they have extremely deep pockets and have no problem with their house being damaged or even destroyed down the road.
@manbtm1 If you are moving to florida for the heat, humidity and right-wing politics, then declare that. Florida is not cheaper. Full coverage in NJ for my 35 year old wife and my 43 year old self is only 190 dollars for 2 cars
😂😂😂😂😂😂😂😂 COME TO FLORIDA SO YOU CAN HIBERNATE IN THE SUMMER OR ...MELT BECAUSE YOU CAN'T GO THE THE BEACH EVERYDAY😂😂😂 ...HOT HOT HOT‼️‼️‼️TOO HOT SOON IT WILL BE UNBEARABLE TO GO OUTSIDE 😢 I HATE IT HERE
Florida is exorbitant
@@DdDd-pk4pu so go to the beach.
NOTHING happens to people NOT insured here!!! My moms hairdresser was slammed into at a red light, by an 83 y/o man with no insurance who had done it THREE TIMES!! Causing injury all 3 times. He was fined $170 dollars!
I have excellent credit and not a ding on my license, yet my insurance is high
I pay way cheaper in Florida than I did in Michigan.
Michigan has that "No-Fault" law where accident victims can win the lottery.
We have reformed car insurance in Michigan so you can pick the amount of coverage you want (before everyone had to carry unlimited medical and it couldn't legally be excess over your regular health insurance only, also a physician could charge whatever he wanted to insurance which is no longer the case). My car insurance dropped by half and I still maintain unlimited medical. Poor people are now paying less than a third of what they had to pay before insurance reform. This is all while maintaining no-fault for most claims.
@@mharris5047 Yeah that unlimited was crazy....its not needed likely for 99.999% of auto claims.
because we have to pay for all the people that do not have insurance and cause hit-and-runs! find them and lock 'em up!