A new analysis says Florida has the best drivers in the nation after Rhode Island. The folks behind the number-crunching at car insurance shopping site Quotewizard almost can’t believe it themselves.
“Florida is best known for two things: the “Florida Man” headlines generated by its eccentric residents, and its many retirees, ” their explanation goes. “You wouldn’t expect either of these demographics to produce excellent driving stats, but this sunny state has the second-best driving record in the U.S. What’s keeping them from being number one in the country? Their fatality stats are notably higher than Rhode Island’s, but according to our data points Floridians actually get fewer citations.”
The ways of measuring best and worst can of course vary depending on what data you use and how you analyze it. Florida has ranked among the worst-driver states in the not-so-distant past, such as No. 3 bad in 2011 as rated by carinsurancecomparison.com. Yet there may be a trend emerging: the same group had Florida drivers moving into the top 20 best by last year.
In this case, Quotewizard said it ranked the states based on more than 2 million data points relating to total accidents, speeding tickets, DUI, citations and fatalities.
If Florida drivers truly do deserve a little credit, many would like to see it reflected in their car insurance bills. Yet Floridians pay the fourth highest premiums among the states.
Why? Pull up a chair. Florida is one of a handful of states with a no-fault system, meaning drivers are required to pay for $10,000 of coverage for minor injuries no matter how much health insurance they already have. The Personal Injury Protection system has been preyed upon by a whole cottage industry dedicated to bleeding it dry, ranging from accident fakers to exorbitant costs for hospital scans that can use up the entire benefit in one day.
Giving a decent and proper burial to the PIP requirement — even while asking Floridians to pay a little more for coverage such as bodily-injury liability — could save drivers a net $81 per car or close to $1 billion a year, The Palm Beach Post reported about a $125,000 actuarial study this year. Consumers who care about this may want to tell their state legislators, who have the power to retire PIP in the session that begins in early 2017.