Contributing Writer
Thomas Whitfield
Thomas Whitfield is a contributing writer at Best Car Insurance Florida. He has covered the Florida insurance market since 2016, first as a business reporter in Central Florida and later as a freelance writer specialising in how weather, litigation and demographics shape premiums.
On this site he writes the cost, city and hurricane guides. His method is to work from published loss data and rate filings rather than from marketing material, and to explain territory differences in terms a driver can act on.
Thomas is based in Orlando, Florida.
- Based in Orlando, Florida
- Covering auto insurance since 2016
- Focus areas: Florida insurance pricing, rating territories, catastrophe coverage, market analysis
- Education: University of Central Florida (B.A., Journalism)
Guides
Guide
Average Cost of Car Insurance in Florida
Why Florida has some of the highest auto insurance premiums in the country, how costs vary by city and driver, and what moves the number.
Guide
Full Coverage Car Insurance in Florida
What full coverage means in Florida, when you need it, how to choose deductibles, and how hurricane season affects comprehensive coverage.
Guide
Car Insurance for Hurricanes and Floods in Florida
Which auto coverage pays for hurricane, storm surge and flood damage in Florida, how binding restrictions work, and how to prepare before a storm.
Guide
Car Insurance Rates by City in Florida
How car insurance costs differ across Florida cities, from Miami and Fort Lauderdale to Jacksonville, Tampa, Orlando and the Panhandle.
Guide
How to Compare Car Insurance Quotes in Florida
A step-by-step method for comparing Florida car insurance quotes on equal terms: coverage set, PIP options, UM choices, deductibles and fees.
Entries
Entry
Car Insurance in Miami
Why Miami-Dade is Florida's most expensive insurance territory, typical costs, and how Miami drivers can keep premiums manageable.
Entry
Car Insurance in Orlando
Orlando car insurance costs sit near the Florida average. What drives rates in Orange County and how to compare quotes locally.
Entry
Why Florida Car Insurance Rates Are So High
A closer look at the five structural reasons Florida premiums are among the highest in the United States, and which ones are changing.