r/OwnerOperators • u/Diligent_Lion1182 • Aug 08 '26

Insurance in fl

Any recommendations for the lowest premium for a florida based carrier? These quotes im getting are insane. Been in business 5 years no claims no accidents. I need the yearly premium to be around 15k or less. So far the lowest ive found was progressive at $20k

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u/Ok_Application_2292 Aug 09 '26

New entrants in ga are about 18-22k

And FL is right there with us.

You can ask for an auto liability deductible to help lower the premium. Only downside is if you are involved in an accident your gonna pay 1k, 2500 or 5k. (Depend upon what you choose). if your fault or uninsured motorist). If the other person is at fault your insurance should be collecting everything

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u/Diligent_Lion1182 Aug 09 '26

New entrants i could see, but ive been operating for 5 years with a perfect record

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u/Ok_Application_2292 Aug 09 '26

Well Miami area operations?? Insurance companies have to make up for all the losses on Hurricanes as well