Car Insurance in Florida
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Cost of Car Insurance in Florida
Florida drivers pay an average of $235 monthly for car insurance, about 24% more than the national average of $189. The state's location makes it susceptible to hazardous weather, including hurricanes and tropical storms, which may increase rates. Other factors, such as the driver's age, driving history, vehicle model, and discount availability, can influence policy costs. We included those factors and others in our evaluation.
Floridians in the market for new coverage can compare car insurance in Florida to find an affordable policy. This page will provide you with an overview of car insurance in Florida and provide answers to the most common questions being asked by Floridians today. Ultimately, the best way to get the best bang for your back is to get a completely free, personalized quote here. Keep reading to learn more about how to optimize your costs.
Florida Car Insurance Laws
If you're a driver in Florida, you must carry a minimum amount of car insurance coverage to legally operate a vehicle on the roadways. Florida is a no-fault state, which means drivers are required to carry personal injury protection (PIP) coverage to pay for their own medical expenses in case of an accident, regardless of who was at fault.
“ Florida offers no specific grace period for uninsured drivers. ”
Driving without the proper auto insurance in Florida can lead to severe penalties, including:
- Suspension of your driver's license and registration for up to three years
- Reinstatement fees ranging from $150 to $500, depending on the offense
Florida offers no specific grace period for uninsured drivers, although your insurance may extend temporary coverage to a new vehicle if you have an existing policy.
What is the minimum coverage car insurance in Florida?
- $10,000 for Personal Injury Protection (PIP)
- $10,000 for Property Damage Liability
Unlike most states, Florida does not mandate that drivers obtain bodily injury liability (BIL) coverage as part of their minimum insurance requirements. Moreover, the required coverage amounts are substantially lower than the national averages. Considering the financial risks, experts strongly advise securing additional coverage, including bodily injury liability. This precaution helps safeguard against expenses that surpass your personal injury protection coverage.
How much is car insurance in Florida?
State Minimum
Full 50/100
Full 100/300
The average cost of a minimum coverage policy in Florida is $131 per month. On the low end, we see some carriers offer policies as low as $56, but most options are between $107 and $167. When considering additional coverage, the price to insure your car jumps by about 80% - 90% (or roughly $100).
Auto Insurance Cost Methodology
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Lowering Your Car Insurance Cost in Florida
Who has the best price for car insurance in Florida?
Florida is consistently in the top 5 most expensive states for car insurance. However, the final cost varies a lot across carriers. For a look at the more affordable options, we created a benchmark profile seeking 50/100 liability coverage. Below are the top 10 cheapest car insurance providers in Florida:
| Rank | Insurance company | Average monthly premium |
|---|---|---|
| 1 | Geico | $127 |
| 2 | Travelers | $157 |
| 3 | State Farm | $157 |
| 4 | Mercury | $200 |
| 5 | Allied Insurance | $216 |
| 6 | Union Mutual | $232 |
| 7 | Progressive | $243 |
| 8 | Farmers | $300 |
| 9 | Allstate | $308 |
| 10 | Direct General | $314 |
| Avg. monthly premiums are weighted by zip code population sizes | ||
What city in Florida has the cheapest car insurance?
Given its size, cities in the Sunshine State can have very different car insurance costs. When looking at 2 of the largest cities, those living in Miami are paying an extra $1,100 a year for car insurance than those living in Jacksonville. Here's a look at how car insurance costs differ across the 7 largest cities:
| Rank | Florida city | Average monthly premium |
|---|---|---|
| 1 | Jacksonville | $220 |
| 2 | Orlando | $234 |
| 3 | Fort Lauderdale | $270 |
| 4 | Hollywood | $273 |
| 5 | West Palm Beach | $276 |
| 6 | Tampa | $289 |
| 7 | Miami | $314 |
With nearly a 1,000 ZIP codes across the state, the final price you pay for car insurance is heavily influenced by your location. Our data shows that you can save up to $1,500 a year on your policy if you live in specific ZIP codes. Rates are frequently changing as insurance providers reexamine risk attributes for every location and the best tried and true way of maximizing your savings is to compare your options often.
What's the cheapest car to insure in Florida?
The kind of car you drive also significantly influences how much you pay for insurance. An insurer will review your car's make, model, and year (as well as any additional safety features) to assess the total cost of providing you coverage. For used cars, a vehicle's history can also influence how much your final premium will be. Looking at cars produced in 2023, we put together the top 10 cheapest cars to insure in Florida:
| Rank | Make and Model | Average monthly premium |
|---|---|---|
| 1 | Subaru Forester | $213 |
| 2 | Honda Cr-V | $215 |
| 3 | Honda Odyssey | $228 |
| 4 | Ford F-150 | $229 |
| 5 | Toyota Corolla | $231 |
| 6 | Toyota Rav4 | $235 |
| 7 | Toyota Tacoma | $237 |
| 8 | Chevrolet Silverado | $240 |
| 9 | Kia Sol | $241 |
| 10 | Toyota Tundra | $243 |
What's the best insurance company in Florida?
Figuring out who has the "best" coverage isn't a one-size-fits-all answer. It really depends on stuff like who's driving, what car they're driving, and how much coverage they need. But, if you’re looking for something affordable for your specific needs, below are some of recommended options we researched:
- For Overall Affordability: Geico
- For Young Drivers: Geico
- For Retirees: Travelers
- For Full Coverage: State Farm
- For Homeowners: State Farm
- For Married Couples: Mercury
- For Drivers Without Violations: Geico
- For Active Military or Veterans: USAA
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Frequently Asked Questions
What is the quickest way to reduce my insurance premium in Florida?
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What is the most common insurance discount in Florida?
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How much will I save switching insurance providers in Florida?
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People Also Ask About
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Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.