Why Compare Car Insurance Rates in Florida:
There are several advantages of living in the Sunshine State. Unfortunately, affordable car insurance in Florida isn't one of them. The average car insurance cost in Florida for minimum auto insurance coverage in Florida is $903 a year. An average car insurance cost in Florida for a full insurance policy costs $2553 a year. This makes Florida the most expensive state for car insurance.
Despite what the numbers say, you will find cheap car insurance in Florida. In particular, there are a few companies known to give cheap auto insurance to Florida-based drivers. To help you find the right one, we've put together a list of the best car insurance companies in Florida.
Here is the minimum amount of insurance that Florida drivers need:
| Coverage Type | Florida car insurance requirements |
|---|---|
| Bodily Injury Coverage | $10000 per person; $20000 per accident |
| Property Damage Coverage | $10000 |
| Personal injury protection | $10000 |
The auto insurance in Florida when compared to other states is on the higher side. When you are looking at car insurance quotes in Florida you might feel a bit disheartened by seeing the rates. But if you choose the right provider, you can still find a good deal. We did some research to find the best car insurance in Florida for you.
| Company | Avg. Annual Premium |
|---|---|
| Travelers | $602 |
| Mercury | $620 |
| State Farm | $728 |
| Allstate | $1,044 |
| Progressive | $1,409 |
| United Automobile Ins Group | $1,463 |
| Nationwide | $2,121 |
| Statewide Average | $2125 |
| Farmers | $2568 |
If you only purchase the minimum amount of car insurance required, you will pay the lowest price. However, most insurance companies recommend that Florida drivers purchase more coverage than is legally required. If you get into a severe accident, there is no guarantee that Florida's minimum car insurance requirements will be sufficient to cover the total cost of the claim.
Although only $10,000 in personal injury protection and $10,000 in property damage liability are necessary, experts at the Insurance Information Institute caution that such low levels of coverage are problematic since you could end up paying a lot of money out of pocket if you are sued. Liability insurance of at least $100,000 per injury and $300,000 per accident is recommended by experts.
You should consider collision and comprehensive coverage if you own an expensive car. Comprehensive insurance covers non-traffic damages such as fire, theft, and natural catastrophes like floods and hurricanes. In contrast, collision insurance covers car accidents and collisions with objects such as trees or telephone poles.
Due to Florida's high percentage of uninsured drivers, you may want to consider obtaining uninsured motorist coverage.
Raising the limits of your liability coverage is worth the additional cost for most people. You're going to pay more money in advance, but you're less likely to pay a hefty amount of money out of pocket for a liability claim or a lawsuit if you get into an accident.
What is the cost of PIP?
The minimum and maximum PIP you can have in Florida is $10000. You can choose whether or not you want your PIP to cover the occupants of your household when you get a quote. We recommend comparing rates from several area insurers to find a low-cost option in either instance.
How to file for PIP?
When filing a PIP claim in Florida, rigorous guidelines are to follow.
Most importantly, any injuries must be treated within two weeks of the car collision to qualify for PIP payment. After two weeks, your claim will be rejected. Because of the high rate of insurance fraud in Florida, your insurer has up to 60 days to check your claim for any falsehoods but must pay for your damages within 30 days, even if suspicion exists.
If your case is complicated or your insurance company refuses to pay you, you may want to hire a personal injury lawyer to ensure you receive your compensation. Meanwhile, keep track of all medical bills incurred due to the accident.
You must submit a "Wage and Salary" verification form filled out by your employer to receive job loss compensation. The verification shows your earnings for the 13 weeks leading up to the accident. A lawyer may be able to assist you in ensuring that your employer completes the verification form promptly. You may also be required to obtain a note from your doctor describing your disability.
PIP laws are used in no-fault jurisdictions like Florida to minimize the number of persons suing each other for damages.
Legal implications of PIP
Most no-fault states, including Florida, allow drivers to suit only if their injuries are disfiguring and permanent or if they have resulted in death. On the other hand, Florida allows drivers to sue even if the injury is minor, as long as the medical expenses surpass $10,000.
So, if you are wounded in an accident and your hospital bills total $20,000, you can sue the other driver for the $10,000 that your PIP does not cover. You have the right to sue them for whatever emotional distress you believe the injuries have caused you.
Given the average cost of a hospital stay following an accident, it's usually a good idea to have a lot of bodily injury liability coverage on your policy. While Florida does not require this coverage, the other motorist can sue your bodily injury insurance rather than you personally if you are sued for exorbitant medical expenditures.
What is MedPay? What is the importance of adding MedPay?
Medical Payments, sometimes known as MedPay, are similar to PIP. It is without the financial benefits. Since the limitations are lower in Florida, it is worth adding to your insurance. MedPay can pay 20% of your costs that PIP won't cover. MedPay can also help you pay down your PIP deductible.
Florida auto insurance requirements
In Florida, you must present proof of Personal Injury Protection (PIP) and Property Damage Liability (PDL) auto insurance before you may register a car. No matter who caused the accident, PIP pays 80% of all required and reasonable medical expenses up to $10,000 arising from a covered injury. Damage to another person's property caused by you or someone else driving your insured car is covered under PDL coverage.
An insurance company authorized to sell policies in Florida must issue proof of PIP/PDL coverage. Any car with a current Florida registration must have PIP and PDL coverage at registration.
A minimum of $10,000 in PIP AND $10,000 in PDL is required. Even if the car is not being driven or is inoperable, you will have continuous coverage. Before canceling your insurance, you must surrender your license plate/tag.
Purchase the insurance policy from a Florida-licensed insurance company. (If you're new to Florida, ask your agent to convert your current coverage to a Florida one.)
Maintain ongoing Florida insurance coverage throughout registration, regardless of where the car is parked.
Various factors may influence car insurance premiums. Your age, location, driving history, and coverage level all play a role in determining your rates, which may be significantly higher or lower than these averages.
| Company | Avg. Annual Premium |
|---|---|
| United Automobile Ins Group | $3,336 |
| Statewide Average | $2,125 |
| State Farm | $1,070 |
| Travelers | $1,380 |
| Nationwide | $1,425 |
| Mercury | $1,770 |
| Allstate | $1,935 |
| Progressive | $1,960 |
| Direct General Insurance | $2,325 |
| Farmers | $2,385 |
For minimum liability, the average cost of car insurance in Florida is $2484 per year or $207 per month. Travelers offers cheap car insurance in Florida for minimum coverage, and Travelers’ auto insurance quotes in Florida would come up to $170 per month, 28% less than the state's average premium.
| Company | Avg. Annual Premium |
|---|---|
| Travelers | $2,036 |
| State Farm | $2,224 |
| Mercury | $2,919 |
| Allstate | $3,290 |
| Progressive | $3,299 |
| United Automobile Ins Group | $3,336 |
Young drivers may pay up to $2001 more per year for minimum coverage for auto insurance in Florida than adult drivers. State Farm offers the cheapest car insurance quotes in Florida for young drivers. In Florida, State Farm rates are 41% less than full-coverage for car insurance in Florida. On the other hand, State Farm provides affordable coverage, charging $897 less than the national average.
Florida insurance for young drivers is substantially more expensive, and the average cost of full coverage for these drivers is $7899. On the other hand, teenagers can still find cheap auto insurance in Florida by comparing prices from several firms.
| Company | Avg. Annual Premium |
|---|---|
| State Farm | $1,270 |
| Travelers | $1,565 |
| Nationwide | $1,675 |
| Allstate | $2,120 |
| Progressive | $2,306 |
| Mercury | $2,498 |
| Farmers | $2,930 |
| Direct General Insurance | $2,965 |
State Farm offers cheap car insurance in Florida for customers who have received a speeding ticket. For these types of drivers, State Farm's rates are on average 48% lower than the state average. Nationwide also offers low rates for drivers who have received a speeding ticket, albeit its rates are $485 higher than State Farm.
| Company | Yearly Rate |
|---|---|
| UAIC | $3382 |
| State Farm | $1,195 |
| Nationwide | $1,680 |
| Travelers | $1,910 |
| Allstate | $2,035 |
| Direct General Insurance | $2,325 |
| Mercury | $2,563 |
| Progressive | $2,714 |
| Farmers | $2,997 |
For drivers who have been in one accident, State Farm and Travelers are two of the best insurance companies in Florida that offer the cheapest full coverage auto insurance. These two insurance companies are the only ones we identified that offer monthly rates under $200 to drivers who have been in an accident.
For drivers with one accident, the cost of vehicle insurance from State Farm is $1295 per year, 51% less than the statewide average for similar drivers. State Farm's rates are 56% lower than the national average, and these two businesses were the only ones with lower rates than the national average.
| Company | Avg. Annual Premium |
|---|---|
| State Farm | $1,295 |
| Travelers | $1,995 |
| Nationwide | $2,053 |
| Progressive | $3,125 |
| Direct General Insurance | $3,160 |
| Allstate | $3,590 |
| Farmers | $3,630 |
| Mercury | $3,677 |
| United Automobile Ins Group | $4,292 |
State Farm offers the cheapest auto insurance in Florida to drivers who have received a DUI. After one infraction, rates typically climb by 50%, and State Farm rates increase by 71%, but it's still the lowest option for drivers with a DUI.
State Farm offers cheap insurance in Florida, Nationwide is $1972 more expensive than State Farm on an annual basis.
| Company | Avg. Annual Premium |
|---|---|
| State Farm | $1,195 |
| Progressive | $2,247 |
| Travelers | $2,312 |
| Direct General Insurance | $2,393 |
| Farmers | $2,605 |
| Allstate | $2,725 |
| Mercury | $3,070 |
| Nationwide | $3,167 |
Married drivers frequently receive lower auto insurance rates than single drivers. In Florida, married drivers pay 6% less on average for car insurance than unmarried drivers. However, not all insurers offer the same discount.
| Company | Monthly rate |
|---|---|
| State Farm | $141 |
| Travelers | $232 |
| Farmers | $242 |
| UAIC | $252 |
| Nationwide | $258 |
| Progressive | $285 |
| Allstate | $400 |
Car insurance costs rise due to at-fault incidents, putting an even greater burden on adolescent drivers whose premiums are already high. For adolescent drivers who have been in an accident, State Farm is the cheapest insurance company on average. The insurer's rates are 64% less than the national average.
| Company | Monthly rate |
|---|---|
| State Farm | $1786 |
| Travelers | $2614 |
| Nationwide | $3118 |
| Farmers | $3994 |
| Progressive | $4054 |
| UAIC | $4426 |
| Allstate | $6538 |
| Company | Avg. Annual Premium |
|---|---|
| United Automobile Ins Group | $3,336 |
| Travelers | $4,077 |
| State Farm | $4,101 |
| Mercury | $4,681 |
| Progressive | $5,153 |
| Allstate | $6,066 |
| Accident/Violation | Avg. Annual Premium | % Rate Increase | $ Rate Increase |
|---|---|---|---|
| One Med/PIP claim | $2,943 | 1% | $0 |
| None | $2,943 | 1% | $0 |
| Not-at-fault accident | $3,039 | 5% | $116 |
| Two Med/PIP claims | $3,149 | 8% | $226 |
| One comp claim | $3,169 | 9% | $246 |
| Two comp claims | $3,266 | 12% | $343 |
| Child safety restraint | $3,326 | 14% | $393 |
| Failure to wear a seat belt | $3,326 | 14% | $393 |
| Failure to show documents | $3,327 | 14% | $404 |
| Driving without lights | $3,327 | 14% | $404 |
| Speeding 6 - 10 MPH over limit | $3,362 | 16% | $439 |
| Passing school bus | $3,411 | 17% | $478 |
| Wrong way/wrong lane | $3,416 | 18% | $493 |
| Improper passing | $3,418 | 18% | $495 |
| Failure to stop at a red light | $3,421 | 18% | $498 |
| Failure to yield | $3,421 | 18% | $498 |
| Illegal turn | $3,423 | 18% | $500 |
| Driving with expired registration | $3,427 | 18% | $504 |
| Following too closely | $3,427 | 18% | $504 |
| Cell phone violation | $3,427 | 18% | $504 |
| Texting while driving | $3,437 | 18% | $514 |
| Speeding 11 - 15 MPH over limit | $3,488 | 20% | $565 |
| Speeding in school zone | $3,516 | 21% | $592 |
| Driving too slowly | $3,516 | 21% | $592 |
| Speeding 16 - 20 MPH over limit | $3,617 | 24% | $694 |
| Speeding 21 - 25 MPH over limit | $3,640 | 25% | $717 |
| Operating a vehicle without permission | $3,684 | 27% | $761 |
| Open container | $3,732 | 28% | $809 |
| In 65 MPH zone | $3,888 | 34% | $965 |
| At-fault accident - less than $1000 | $4,132 | 42% | $1,209 |
| At-fault accident - $1000-$2000 | $4,211 | 45% | $1,288 |
| At-fault accident - greater than $2000 | $4,211 | 45% | $1,288 |
| Racing | $4,409 | 51% | $1,485 |
| DUI | $4,498 | 55% | $1,575 |
| Refusal to submit to a chemical test | $4,498 | 55% | $1,575 |
| Driving with a suspended license | $4,609 | 58% | $1,686 |
| Reckless driving | $4,661 | 60% | $1,738 |
| Leaving scene of an accident/hit and run | $4,715 | 62% | $1,792 |
| Year | Avg. Annual Premium (Florida) | Yearly Change (Florida) | Avg. Annual Premium (US) | Yearly Change (US) |
|---|---|---|---|---|
| 2021 | $2,435 | $111 | $1,539 | $56 |
| 2020 | $2,334 | $1 | $1,493 | -$51 |
| 2019 | $2,335 | $228 | $1,554 | $13 |
| 2018 | $2,117 | $180 | $1,531 | $94 |
| 2017 | $1,947 | $73 | $1,447 | $79 |
| 2016 | $1,884 | $340 | $1,378 | $98 |
| 2015 | $1,554 | -$30 | $1,290 | $61 |
| 2014 | $1,594 | -$78 | $1,239 | $44 |
| 2013 | $1,682 | $56 | $1,205 | -$70 |
| 2012 | $1,636 | $250 | $1,286 | $92 |
If you've kept a clean driving record, you're probably entitled to a discount for being a good driver - though the amount and insurance company differ. Good drivers can save anywhere between 10% and 30% on their car insurance prices.
When it comes to rewarding responsible drivers, insurers adopt various techniques. The following is a breakdown of how these work:
Discount for being accident-free: Many major insurance companies provide discounts to drivers who have not had an accident in the previous three to five years.
Discount for good driving: If you haven't had any traffic offenses in the last three to five years, your insurance company will likely give you a discount.
Discount for safe drivers: Some insurance firms combine the accident-free and violation-free discounts into a single safe driving discount for drivers who have not had any incidents or accidents in the previous three to five years.
Discount based on usage: Usage-based insurance, also known as telematics insurance, tracks your driving habits — usually through a smartphone app or a device put in your car — and discounts your premium based on your performance. Usage-based insurance is available from most major insurers.
Lower premiums: Rather than granting you a specific reduction on your premiums, some insurers will reduce your rates if you avoid an accident for a certain period.
In addition, taking a defensive driving course can typically result in a premium reduction. While most of these courses are oriented for young drivers and those over 60, several jurisdictions make them available to all drivers.
They usually last only a few hours and include your state's driving legislation as well as crash-avoidance tactics. Many courses conclude with a certificate that you can present to your insurer to obtain the defensive driver discount.
To help you get a sense of what you might pay, we evaluated hundreds of car insurance rates from over 100 Florida towns. Check out the table below to see what average prices are in cities throughout Florida:
| City | Average Yearly Rate |
|---|---|
| Fort Lauderdale | $3,689 |
| Jacksonville | $2,945 |
| Miami | $4,097 |
| Orlando | $3,149 |
| Tampa | $3,989 |
| Alachua | $2,357 |
| Alafaya | $3,041 |
| Alford | $2,369 |
| Allentown | $2,693 |
| Altamonte Springs | $2,849 |
| Altha | $2,417 |
| Altoona | $2,537 |
| Alturas | $2,765 |
| Alva | $2,621 |
| Andrews | $2,417 |
| Anna Maria | $2,969 |
| Anthony | $2,453 |
| Apalachicola | $2,357 |
| Apollo Beach | $3,413 |
| Apopka | $2,945 |
| Arcadia | $2,549 |
| Archer | $2,381 |
| Argyle | $2,309 |
| Aripeka | $3,449 |
| Asbury Lake | $2,657 |
| Astatula | $2,597 |
| Astor | $2,573 |
| Atlantic Beach | $2,825 |
| Atlantis | $4,025 |
| Auburndale | $2,897 |
| Aventura | $3,977 |
| Avon Park | $2,621 |
| Azalea Park | $3,137 |
| Babson Park | $2,753 |
| Bagdad | $2,693 |
| Baker | $2,465 |
| Bal Harbour | $3,797 |
| Baldwin | $2,873 |
| Balm | $3,389 |
| Barberville | $2,597 |
| Bardmoor | $3,281 |
| Bartow | $2,777 |
| Bascom | $2,357 |
| Bay Harbor Islands | $3,797 |
| Bay Hill | $3,017 |
| Bay Lake | $2,993 |
| Bay Pines | $3,293 |
| Bayonet Point | $3,461 |
| Bayshore Gardens | $3,005 |
| Beacon Square | $3,485 |
| Bear Creek | $3,401 |
| Bee Ridge | $2,681 |
| Bell | $2,417 |
| Bellair-Meadowbrook Terrace | $2,909 |
| Belle Glade | $3,413 |
| Belle Isle | $3,269 |
| Belleair | $3,281 |
| Belleair Beach | $3,233 |
| Belleair Bluffs | $3,257 |
| Belleview | $2,453 |
| Bellview | $2,669 |
| Berrydale | $2,633 |
| Beverly Hills | $2,669 |
| Big Coppitt Key | $2,765 |
| Big Pine Key | $2,801 |
| Biscayne Park | $4,277 |
| Bithlo | $2,969 |
| Black Hammock | $2,789 |
| Bloomingdale | $3,605 |
| Blountstown | $2,417 |
| Boca Grande | $2,561 |
| Boca Raton | $3,821 |
| Bokeelia | $2,621 |
| Bonifay | $2,345 |
| Bonita Springs | $2,537 |
| Bostwick | $2,669 |
| Boulevard Gardens | $3,977 |
| Bowling Green | $2,633 |
| Boynton Beach | $4,001 |
| Bradenton | $2,885 |
| Bradenton Beach | $2,885 |
| Bradley | $2,753 |
| Bradley Junction | $2,765 |
| Brandon | $3,689 |
| Branford | $2,393 |
| Brent | $2,669 |
| Bristol | $2,417 |
| Broadview Park | $3,617 |
| Bronson | $2,429 |
| Brooker | $2,597 |
| Brookridge | $3,029 |
| Brooksville | $2,993 |
| Brownsdale | $2,633 |
| Brownsville | $4,421 |
| Bryceville | $2,597 |
| Buckhead Ridge | $2,693 |
| Buckingham | $2,705 |
| Buenaventura Lakes | $3,113 |
| Bunnell | $2,573 |
| Burnt Store Marina | $2,549 |
| Bushnell | $2,657 |
| Butler Beach | $2,501 |
| Cabana Colony | $3,473 |
| Callahan | $2,621 |
| Callaway | $2,381 |
| Campbell | $3,053 |
| Campbellton | $2,369 |
| Canal Point | $3,413 |
| Candler | $2,549 |
| Cantonment | $2,621 |
| Cape Canaveral | $2,585 |
| Cape Coral | $2,645 |
| Captiva | $2,561 |
| Carrabelle | $2,369 |
| Carrollwood | $4,001 |
| Caryville | $2,333 |
| Cassadaga | $2,753 |
| Casselberry | $2,873 |
| Cedar Grove | $2,393 |
| Cedar Key | $2,429 |
| Celebration | $2,957 |
| Center Hill | $2,633 |
| Century | $2,549 |
| Charlotte Harbor | $2,465 |
| Charlotte Park | $2,465 |
| Chattahoochee | $2,441 |
| Cheval | $3,593 |
| Chiefland | $2,429 |
| Chipley | $2,333 |
| Chokoloskee | $2,633 |
| Christmas | $2,921 |
| Chuluota | $2,741 |
| Citra | $2,465 |
| Citrus Hills | $2,657 |
| Citrus Park | $3,737 |
| Citrus Springs | $2,537 |
| Clarcona | $3,185 |
| Clarksville | $2,417 |
| Clearwater | $3,305 |
| Clearwater Beach | $3,293 |
| Clermont | $2,621 |
| Cleveland | $2,561 |
| Clewiston | $2,705 |
| Cocoa | $2,645 |
| Cocoa Beach | $2,585 |
| Cocoa West | $2,645 |
| Coconut Creek | $3,737 |
| Coleman | $2,657 |
| Combee Settlement | $2,825 |
| Connerton | $3,257 |
| Conway | $3,113 |
| Cooper City | $3,593 |
| Copeland | $2,621 |
| Coral Gables | $3,857 |
| Coral Springs | $3,701 |
| Coral Terrace | $4,097 |
| Cortez | $2,897 |
| Cottondale | $2,357 |
| Country Club | $4,121 |
| Country Walk | $3,941 |
| Crawfordville | $2,369 |
| Crescent City | $2,585 |
| Crestview | $2,417 |
| Crooked Lake Park | $2,765 |
| Cross City | $2,405 |
| Crystal Beach | $3,293 |
| Crystal Lake | $2,825 |
| Crystal River | $2,657 |
| Crystal Springs | $3,281 |
| Cudjoe Key | $2,825 |
| Cutler Bay | $3,917 |
| Cypress Gardens | $2,897 |
| Cypress Lake | $2,597 |
| Dade City | $3,269 |
| Dade City North | $3,281 |
| Dania | $3,845 |
| Dania Beach | $3,785 |
| Davenport | $2,873 |
| Davie | $3,581 |
| Daytona Beach | $2,585 |
| Daytona Beach Shores | $2,621 |
| De Funiak Springs | $2,297 |
| De Leon Springs | $2,621 |
| Debary | $2,669 |
| Deerfield Beach | $3,809 |
| Defuniak Springs | $2,297 |
| Deland | $2,645 |
| DeLand Southwest | $2,633 |
| Delray Beach | $4,061 |
| Deltona | $2,705 |
| Desoto Lakes | $2,729 |
| Destin | $2,381 |
| Doctor Phillips | $3,005 |
| Doctors Inlet | $2,813 |
| Doral | $3,989 |
| Dover | $3,473 |
| Dundee | $2,825 |
| Dunedin | $3,305 |
| Dunnellon | $2,501 |
| Durant | $3,485 |
| Eagle Lake | $2,897 |
| Earleton | $2,369 |
| East Bronson | $2,429 |
| East Lake | $3,281 |
| East Lake-Orient Park | $4,049 |
| East Milton | $2,693 |
| East Palatka | $2,633 |
| Eastlake Weir | $2,501 |
| Eastpoint | $2,393 |
| Eaton Park | $2,849 |
| Eatonville | $3,077 |
| Ebro | $2,333 |
| Edgewater | $2,549 |
| Edgewood | $3,389 |
| Eglin AFB | $2,381 |
| Egypt Lake-Leto | $4,301 |
| El Jobean | $2,537 |
| El Portal | $4,133 |
| Elfers | $3,461 |
| Elkton | $2,525 |
| Ellenton | $2,921 |
| Englewood | $2,477 |
| Ensley | $2,645 |
| Estero | $2,549 |
| Eustis | $2,597 |
| Everglades City | $2,597 |
| Evinston | $2,429 |
| Fairfield | $2,465 |
| Fairview Shores | $3,233 |
| Feather Sound | $3,341 |
| Felda | $2,585 |
| Fellsmere | $2,669 |
| Fern Park | $2,885 |
| Fernandina Beach | $2,597 |
| Ferndale | $2,633 |
| Ferry Pass | $2,645 |
| Fish Hawk | $3,377 |
| Fisher Island | $3,917 |
| Five Points | $2,621 |
| Flagler Beach | $2,573 |
| Flagler Estates | $2,525 |
| Fleming Island | $2,789 |
| Florahome | $2,633 |
| Floral City | $2,681 |
| Florida City | $3,941 |
| Florida Ridge | $2,693 |
| Forest City | $2,837 |
| Fort Denaud | $2,585 |
| Fort Green Springs | $2,633 |
| Fort Mc Coy | $2,489 |
| Fort Meade | $2,753 |
| Fort Myers | $2,669 |
| Fort Myers Beach | $2,573 |
| Fort Myers Shores | $2,705 |
| Fort Ogden | $2,549 |
| Fort Pierce | $2,921 |
| Fort Pierce North | $2,921 |
| Fort Pierce South | $2,969 |
| Fort Walton Beach | $2,393 |
| Fort White | $2,657 |
| Fountain | $2,417 |
| Fountainebleau | $4,205 |
| Four Corners | $2,777 |
| Franklin Park | $3,977 |
| Freeport | $2,297 |
| Frostproof | $2,729 |
| Fruit Cove | $2,609 |
| Fruitland Park | $2,525 |
| Fruitville | $2,693 |
| Fuller Heights | $2,765 |
| Fussels Corner | $2,861 |
| Gainesville | $2,345 |
| Gateway | $2,621 |
| Geneva | $2,753 |
| Georgetown | $2,597 |
| Gibsonton | $3,569 |
| Gifford | $2,657 |
| Gladeview | $4,373 |
| Glen Saint Mary | $2,633 |
| Glencoe | $2,561 |
| Glenvar Heights | $3,821 |
| Glenwood | $2,633 |
| Golden Beach | $3,917 |
| Golden Gate | $2,501 |
| Golden Glades | $4,313 |
| Goldenrod | $2,993 |
| Golf | $4,001 |
| Gonzalez | $2,645 |
| Goodland | $2,561 |
| Gotha | $2,981 |
| Goulding | $2,669 |
| Goulds | $3,977 |
| Graceville | $2,345 |
| Graham | $2,585 |
| Grand Island | $2,561 |
| Grand Ridge | $2,381 |
| Grandin | $2,597 |
| Grant | $2,669 |
| Grant-Valkaria | $2,669 |
| Green Cove Springs | $2,657 |
| Greenacres | $3,941 |
| Greenbriar | $3,293 |
| Greensboro | $2,405 |
| Greenville | $2,405 |
| Greenwood | $2,357 |
| Grenelefe | $2,813 |
| Gretna | $2,453 |
| Grove City | $2,477 |
| Groveland | $2,609 |
| Gulf Breeze | $2,645 |
| Gulf Gate Estates | $2,669 |
| Gulf Hammock | $2,381 |
| Gulf Stream | $4,001 |
| Gulfport | $3,401 |
| Gun Club Estates | $4,001 |
| Haines City | $2,825 |
| Hallandale | $3,941 |
| Hallandale Beach | $3,905 |
| Hampton | $2,597 |
| Harbor Bluffs | $3,257 |
| Harbour Heights | $2,465 |
| Harlem | $2,705 |
| Harold | $2,693 |
| Hastings | $2,525 |
| Havana | $2,405 |
| Haverhill | $3,989 |
| Hawthorne | $2,489 |
| Heathrow | $2,717 |
| Heritage Pines | $3,437 |
| Hernando | $2,597 |
| Hernando Beach | $3,053 |
| Hialeah | $4,289 |
| Hialeah Gardens | $4,229 |
| High Point | $3,029 |
| High Springs | $2,369 |
| Highland Beach | $3,785 |
| Highland City | $2,837 |
| Highland Park | $2,753 |
| Hilliard | $2,585 |
| Hillsboro Beach | $3,737 |
| Hobe Sound | $2,897 |
| Holden Heights | $3,473 |
| Holder | $2,657 |
| Holiday | $3,509 |
| Hollister | $2,609 |
| Holly Hill | $2,621 |
| Hollywood | $3,761 |
| Holmes Beach | $2,885 |
| Holt | $2,465 |
| Homeland | $2,789 |
| Homestead | $4,001 |
| Homestead Base | $4,001 |
| Homosassa | $2,693 |
| Homosassa Springs | $2,681 |
| Horizon West | $2,933 |
| Horseshoe Beach | $2,393 |
| Hosford | $2,417 |
| Howey-in-the-Hills | $2,621 |
| Hudson | $3,437 |
| Hunters Creek | $3,053 |
| Hurlburt Field | $2,381 |
| Hutchinson Island South | $3,005 |
| Hypoluxo | $4,025 |
| Immokalee | $2,633 |
| Indialantic | $2,549 |
| Indian Harbour Beach | $2,537 |
| Indian Lake Estates | $2,729 |
| Indian River Estates | $2,969 |
| Indian River Shores | $2,717 |
| Indian Rocks Beach | $3,221 |
| Indian Shores | $3,221 |
| Indiantown | $2,873 |
| Inglis | $2,405 |
| Inlet Beach | $2,309 |
| Intercession City | $3,065 |
| Interlachen | $2,597 |
| Inverness | $2,669 |
| Inverness Highlands North | $2,657 |
| Inverness Highlands South | $2,681 |
| Inwood | $2,909 |
| Iona | $2,573 |
| Islamorada | $2,861 |
| Islamorada, Village of Islands | $2,861 |
| Island Grove | $2,417 |
| Istachatta | $2,993 |
| Ives Estates | $4,073 |
| Jacksonville Beach | $2,789 |
| Jan Phyl Village | $2,897 |
| Jasmine Estates | $3,473 |
| Jasper | $2,453 |
| Jay | $2,633 |
| Jennings | $2,441 |
| Jensen Beach | $2,957 |
| June Park | $2,549 |
| Juno Beach | $3,461 |
| Juno Ridge | $3,461 |
| Jupiter | $3,113 |
| Jupiter Farms | $3,137 |
| Kathleen | $2,825 |
| Kenansville | $2,993 |
| Kendale Lakes | $4,025 |
| Kendall | $3,833 |
| Kendall West | $4,025 |
| Kenneth City | $3,425 |
| Kensington Park | $2,729 |
| Kenwood Estates | $4,025 |
| Key Biscayne | $3,965 |
| Key Colony Beach | $2,837 |
| Key Largo | $2,861 |
| Key Vista | $3,485 |
| Key West | $2,765 |
| Keystone | $3,593 |
| Keystone Heights | $2,585 |
| Killarney | $2,981 |
| Kissimmee | $3,029 |
| La Crosse | $2,393 |
| Labelle | $2,585 |
| Lacoochee | $3,281 |
| Lady Lake | $2,429 |
| Laguna Beach | $2,393 |
| Lake Alfred | $2,825 |
| Lake Belvedere Estates | $3,929 |
| Lake Butler | $2,693 |
| Lake City | $2,621 |
| Lake Clarke Shores | $4,001 |
| Lake Como | $2,585 |
| Lake Geneva | $2,501 |
| Lake Hamilton | $2,837 |
| Lake Harbor | $3,221 |
| Lake Helen | $2,681 |
| Lake Lorraine | $2,393 |
| Lake Magdalene | $4,061 |
| Lake Mary | $2,717 |
| Lake Monroe | $2,705 |
| Lake Mystic | $2,417 |
| Lake Panasoffkee | $2,633 |
| Lake Park | $3,953 |
| Lake Placid | $2,585 |
| Lake Sarasota | $2,609 |
| Lake Wales | $2,765 |
| Lake Worth | $4,025 |
| Lakeland | $2,837 |
| Lakeland Highlands | $2,825 |
| Lakeshore | $2,789 |
| Lakeside | $2,801 |
| Lakewood Gardens | $4,025 |
| Lakewood Park | $2,837 |
| Lamont | $2,465 |
| Lanark Village | $2,405 |
| Land O' Lakes | $3,353 |
| Lantana | $4,025 |
| Largo | $3,269 |
| Lauderdale Lakes | $4,001 |
| Lauderdale-by-the-Sea | $3,689 |
| Lauderhill | $3,977 |
| Laurel | $2,501 |
| Laurel Hill | $2,417 |
| Lawtey | $2,597 |
| Lealman | $3,401 |
| Lecanto | $2,669 |
| Lee | $2,381 |
| Leesburg | $2,537 |
| Lehigh Acres | $2,693 |
| Leisure City | $4,001 |
| Lely | $2,501 |
| Lely Resort | $2,501 |
| Lighthouse Point | $3,881 |
| Limestone Creek | $3,161 |
| Lithia | $3,377 |
| Live Oak | $2,393 |
| Lloyd | $2,489 |
| Lochloosa | $2,417 |
| Lochmoor Waterway Estates | $2,645 |
| Lockhart | $3,269 |
| Long Key | $2,705 |
| Longboat Key | $2,729 |
| Longwood | $2,801 |
| Lorida | $2,573 |
| Loughman | $2,861 |
| Lowell | $2,477 |
| Lower Grand Lagoon | $2,381 |
| Loxahatchee | $3,449 |
| Loxahatchee Groves | $3,449 |
| Lulu | $2,705 |
| Lutz | $3,617 |
| Lynn Haven | $2,393 |
| Macclenny | $2,633 |
| Madeira Beach | $3,293 |
| Madison | $2,393 |
| Maitland | $3,173 |
| Malabar | $2,705 |
| Malone | $2,357 |
| Manasota Key | $2,453 |
| Manatee Road | $2,429 |
| Mango | $3,905 |
| Mangonia Park | $3,965 |
| Marathon | $2,825 |
| Marathon Shores | $2,837 |
| Marco Island | $2,561 |
| Margate | $3,845 |
| Marianna | $2,369 |
| Mary Esther | $2,393 |
| Mascotte | $2,609 |
| Matlacha | $2,645 |
| Mayo | $2,393 |
| Mc Alpin | $2,381 |
| Mc David | $2,549 |
| Mc Intosh | $2,393 |
| McGregor | $2,597 |
| Meadow Oaks | $3,437 |
| Meadow Woods | $3,173 |
| Medley | $3,857 |
| Medulla | $2,825 |
| Melbourne | $2,561 |
| Melbourne Beach | $2,597 |
| Melbourne Village | $2,549 |
| Melrose | $2,573 |
| Memphis | $2,957 |
| Merritt Island | $2,609 |
| Mexico Beach | $2,417 |
| Miami Beach | $3,797 |
| Miami Gardens | $4,145 |
| Miami Lakes | $4,205 |
| Miami Shores | $4,289 |
| Miami Springs | $4,001 |
| Micanopy | $2,357 |
| Micco | $2,621 |
| Mid Florida | $2,765 |
| Middleburg | $2,705 |
| Midway | $2,585 |
| Milligan | $2,429 |
| Milton | $2,705 |
| Mims | $2,573 |
| Minneola | $2,609 |
| Miramar | $3,689 |
| Miramar Beach | $2,345 |
| Molino | $2,621 |
| Monticello | $2,477 |
| Montura | $2,705 |
| Montverde | $2,621 |
| Moon Lake | $3,353 |
| Moore Haven | $2,657 |
| Morriston | $2,393 |
| Mossy Head | $2,321 |
| Mount Dora | $2,669 |
| Mount Plymouth | $2,621 |
| Mulberry | $2,765 |
| Murdock | $2,573 |
| Myakka City | $2,801 |
| Myrtle Grove | $2,657 |
| Nalcrest | $2,789 |
| Naples | $2,489 |
| Naples Manor | $2,501 |
| Naples Park | $2,501 |
| Naranja | $4,025 |
| Nassau Village-Ratliff | $2,621 |
| Navarre | $2,633 |
| Navarre Beach | $2,633 |
| Neptune Beach | $2,801 |
| New Port Richey | $3,413 |
| New Port Richey East | $3,449 |
| New Smyrna Beach | $2,549 |
| Newberry | $2,369 |
| Niceville | $2,381 |
| Nichols | $2,777 |
| Nobleton | $3,029 |
| Nocatee | $2,585 |
| Nokomis | $2,501 |
| Noma | $2,357 |
| North Bay Village | $3,785 |
| North Brooksville | $2,969 |
| North DeLand | $2,657 |
| North Fort Myers | $2,645 |
| North Key Largo | $2,861 |
| North Lauderdale | $3,989 |
| North Miami | $4,313 |
| North Miami Beach | $4,169 |
| North Palm Beach | $3,473 |
| North Port | $2,489 |
| North Redington Beach | $3,293 |
| North River Shores | $2,921 |
| North Sarasota | $2,717 |
| North Weeki Wachee | $3,029 |
| Northdale | $3,749 |
| O Brien | $2,369 |
| Oak Hill | $2,609 |
| Oak Ridge | $3,401 |
| Oakland | $2,897 |
| Oakland Park | $3,821 |
| Oakleaf Plantation | $2,789 |
| Ocala | $2,573 |
| Ocean Breeze Park | $2,909 |
| Ocean City | $2,393 |
| Ocean Ridge | $4,085 |
| Ochopee | $2,633 |
| Ocklawaha | $2,417 |
| Ocoee | $2,945 |
| Odessa | $3,485 |
| Ojus | $3,965 |
| Okahumpka | $2,597 |
| Okeechobee | $2,681 |
| Old Town | $2,429 |
| Oldsmar | $3,293 |
| Olga | $2,669 |
| Olustee | $2,597 |
| Olympia Heights | $4,061 |
| Ona | $2,585 |
| Oneco | $2,789 |
| Opa-locka | $4,205 |
| Orange City | $2,669 |
| Orange Lake | $2,405 |
| Orange Park | $2,933 |
| Orange Springs | $2,501 |
| Orangetree | $2,501 |
| Orlovista | $3,329 |
| Ormond Beach | $2,573 |
| Ormond-By-The-Sea | $2,621 |
| Osprey | $2,513 |
| Osteen | $2,633 |
| Otter Creek | $2,393 |
| Oviedo | $2,765 |
| Oxford | $2,489 |
| Ozona | $3,341 |
| Pace | $2,741 |
| Pahokee | $3,437 |
| Paisley | $2,573 |
| Palatka | $2,609 |
| Palm Bay | $2,645 |
| Palm Beach | $4,085 |
| Palm Beach Gardens | $3,485 |
| Palm Beach Shores | $3,965 |
| Palm City | $2,885 |
| Palm Coast | $2,561 |
| Palm Harbor | $3,317 |
| Palm River-Clair Mel | $3,845 |
| Palm Shores | $2,585 |
| Palm Springs | $4,013 |
| Palm Springs North | $4,121 |
| Palm Valley | $2,597 |
| Palmdale | $2,585 |
| Palmetto | $2,945 |
| Palmetto Bay | $3,761 |
| Palmetto Estates | $3,749 |
| Palmona Park | $2,645 |
| Panacea | $2,345 |
| Panama City | $2,381 |
| Panama City Beach | $2,381 |
| Parker | $2,381 |
| Parkland | $3,677 |
| Parrish | $2,837 |
| Pasadena Hills | $3,257 |
| Patrick AFB | $2,597 |
| Paxton | $2,381 |
| Pea Ridge | $2,705 |
| Pebble Creek | $3,593 |
| Pelican Bay | $2,501 |
| Pembroke Park | $3,845 |
| Pembroke Pines | $3,629 |
| Pensacola | $2,669 |
| Perry | $2,417 |
| Pierson | $2,585 |
| Pine Air | $4,001 |
| Pine Castle | $3,401 |
| Pine Hills | $3,485 |
| Pine Island Center | $2,621 |
| Pine Manor | $2,609 |
| Pine Ridge | $2,621 |
| Pinecrest | $3,773 |
| Pineland | $2,549 |
| Pinellas Park | $3,293 |
| Pinetta | $2,405 |
| Pinewood | $4,397 |
| Pioneer | $2,705 |
| Placida | $2,465 |
| Plant City | $3,437 |
| Plantation | $3,581 |
| Plantation Mobile Home Park | $3,953 |
| Plymouth | $2,861 |
| Poinciana | $2,945 |
| Point Baker | $2,693 |
| Polk City | $2,777 |
| Pomona Park | $2,597 |
| Pompano Beach | $3,821 |
| Ponce de Leon | $2,333 |
| Ponce Inlet | $2,561 |
| Ponte Vedra | $2,585 |
| Ponte Vedra Beach | $2,585 |
| Port Charlotte | $2,477 |
| Port LaBelle | $2,585 |
| Port Orange | $2,573 |
| Port Richey | $3,509 |
| Port Salerno | $2,885 |
| Port St. Joe | $2,345 |
| Port St. John | $2,645 |
| Port St. Lucie | $2,933 |
| Pretty Bayou | $2,393 |
| Princeton | $4,037 |
| Progress Village | $3,845 |
| Punta Gorda | $2,489 |
| Punta Rassa | $2,573 |
| Putnam Hall | $2,573 |
| Quail Ridge | $3,149 |
| Quincy | $2,417 |
| Raiford | $2,573 |
| Raleigh | $2,429 |
| Reddick | $2,501 |
| Redington Beach | $3,293 |
| Redington Shores | $3,293 |
| Richmond Heights | $3,629 |
| Richmond West | $4,001 |
| Ridge Manor | $3,089 |
| Ridge Wood Heights | $2,669 |
| Ridgecrest | $3,221 |
| Rio | $2,909 |
| Rio Pinar | $3,089 |
| River Park | $2,945 |
| River Ranch | $2,789 |
| River Ridge | $3,353 |
| Riverview | $3,557 |
| Riviera Beach | $3,689 |
| Rockledge | $2,621 |
| Roeville | $2,693 |
| Roosevelt Gardens | $3,977 |
| Roseland | $2,621 |
| Rotonda | $2,465 |
| Rotonda West | $2,453 |
| Royal Palm Beach | $3,845 |
| Royal Palm Estates | $3,929 |
| Ruskin | $3,401 |
| Safety Harbor | $3,293 |
| Saint Johns | $2,609 |
| Saint Leo | $3,389 |
| Saint Petersburg | $3,269 |
| Salem | $2,429 |
| Samoset | $2,981 |
| Samsula-Spruce Creek | $2,573 |
| San Antonio | $3,293 |
| San Carlos Park | $2,573 |
| San Castle | $4,025 |
| San Mateo | $2,633 |
| Sanderson | $2,621 |
| Sanford | $2,717 |
| Sanibel | $2,573 |
| Santa Rosa Beach | $2,273 |
| Sarasota | $2,717 |
| Sarasota Springs | $2,693 |
| Satellite Beach | $2,537 |
| Satsuma | $2,633 |
| Sawgrass | $2,597 |
| Schall Circle | $3,953 |
| Scottsmoor | $2,681 |
| Sebastian | $2,621 |
| Sebring | $2,573 |
| Seffner | $3,593 |
| Seminole | $3,281 |
| Seminole Manor | $4,025 |
| Seville | $2,573 |
| Sewall's Point | $2,897 |
| Shady Grove | $2,393 |
| Shady Hills | $3,341 |
| Shalimar | $2,393 |
| Sharpes | $2,645 |
| Siesta Key | $2,657 |
| Silver Lake | $2,573 |
| Silver Springs | $2,513 |
| Silver Springs Shores | $2,549 |
| Sky Lake | $3,413 |
| Sneads | $2,369 |
| Solana | $2,465 |
| Sopchoppy | $2,369 |
| Sorrento | $2,621 |
| South Apopka | $2,945 |
| South Bay | $3,413 |
| South Beach | $2,717 |
| South Bradenton | $2,981 |
| South Brooksville | $2,993 |
| South Daytona | $2,573 |
| South Gate Ridge | $2,669 |
| South Highpoint | $3,329 |
| South Miami | $3,677 |
| South Miami Heights | $3,905 |
| South Palm Beach | $3,989 |
| South Pasadena | $3,401 |
| South Patrick Shores | $2,537 |
| South Sarasota | $2,669 |
| South Venice | $2,465 |
| Southchase | $3,113 |
| Southeast Arcadia | $2,549 |
| Southgate | $2,681 |
| Southwest Ranches | $3,509 |
| Sparr | $2,453 |
| Spring Hill | $3,065 |
| Springfield | $2,393 |
| Springhill | $2,693 |
| St. Augustine | $2,513 |
| St. Augustine Beach | $2,501 |
| St. Augustine Shores | $2,501 |
| St. Augustine South | $2,501 |
| St. Cloud | $3,029 |
| St. James City | $2,633 |
| St. Leo | $3,281 |
| St. Lucie Village | $2,885 |
| St. Marks | $2,357 |
| St. Pete Beach | $3,281 |
| St. Petersburg | $3,365 |
| Stacey Street | $3,953 |
| Starke | $2,621 |
| Steinhatchee | $2,417 |
| Stock Island | $2,765 |
| Stuart | $2,897 |
| Sugarmill Woods | $2,717 |
| Sumatra | $2,417 |
| Summerfield | $2,453 |
| Summerland Key | $2,825 |
| Sumterville | $2,633 |
| Sun City | $3,233 |
| Sun City Center | $3,401 |
| Suncoast Estates | $2,645 |
| Sunny Isles Beach | $3,917 |
| Sunrise | $3,797 |
| Sunset | $3,905 |
| Surfside | $3,797 |
| Suwannee | $2,393 |
| Sweetwater | $4,157 |
| Sydney | $3,233 |
| Taft | $3,173 |
| Tallahassee | $2,501 |
| Tallevast | $2,645 |
| Tamarac | $3,953 |
| Tamiami | $4,109 |
| Tangelo Park | $3,017 |
| Tangerine | $2,849 |
| Tarpon Springs | $3,317 |
| Tavares | $2,573 |
| Tavernier | $2,873 |
| Taylor Creek | $2,693 |
| Telogia | $2,393 |
| Temple Terrace | $3,845 |
| Tequesta | $3,125 |
| Terra Ceia | $2,933 |
| The Acreage | $3,545 |
| The Crossings | $3,941 |
| The Hammocks | $3,941 |
| The Meadows | $2,729 |
| The Villages | $2,453 |
| Thonotosassa | $3,533 |
| Three Lakes | $3,941 |
| Three Oaks | $2,573 |
| Tice | $2,705 |
| Tierra Verde | $3,293 |
| Tiger Point | $2,645 |
| Timber Pines | $3,041 |
| Titusville | $2,609 |
| Town 'n' Country | $4,121 |
| Treasure Island | $3,281 |
| Trenton | $2,405 |
| Trilby | $3,389 |
| Trinity | $3,293 |
| Tyndall AFB | $2,381 |
| Umatilla | $2,525 |
| Union Park | $3,065 |
| University | $3,605 |
| University Park | $4,181 |
| Upper Grand Lagoon | $2,393 |
| Valparaiso | $2,381 |
| Valrico | $3,569 |
| Vamo | $2,669 |
| Venice | $2,465 |
| Venice Gardens | $2,465 |
| Venus | $2,561 |
| Vernon | $2,333 |
| Vero Beach | $2,657 |
| Vero Beach South | $2,669 |
| Viera East | $2,573 |
| Villano Beach | $2,513 |
| Villas | $2,621 |
| Vineyards | $2,477 |
| Virginia Gardens | $4,001 |
| Wabasso | $2,669 |
| Wabasso Beach | $2,717 |
| Wacissa | $2,477 |
| Wahneta | $2,897 |
| Waldo | $2,357 |
| Wallace | $2,705 |
| Warm Mineral Springs | $2,489 |
| Warrington | $2,657 |
| Washington Park | $3,977 |
| Watergate | $3,737 |
| Watertown | $2,621 |
| Wauchula | $2,597 |
| Wausau | $2,357 |
| Waverly | $2,765 |
| Webster | $2,681 |
| Wedgefield | $2,969 |
| Weeki Wachee Gardens | $3,053 |
| Weirsdale | $2,441 |
| Wekiwa Springs | $2,777 |
| Welaka | $2,645 |
| Wellborn | $2,393 |
| Wellington | $3,857 |
| Wesley Chapel | $3,341 |
| West Bradenton | $2,897 |
| West DeLand | $2,633 |
| West Lealman | $3,377 |
| West Little River | $4,373 |
| West Melbourne | $2,549 |
| West Miami | $4,097 |
| West Palm Beach | $4,001 |
| West Park | $3,845 |
| West Pensacola | $2,657 |
| West Perrine | $3,749 |
| West Samoset | $2,909 |
| West Vero Corridor | $2,645 |
| Westchase | $3,593 |
| Westchester | $4,133 |
| Westgate | $4,001 |
| Weston | $3,497 |
| Westview | $4,457 |
| Westville | $2,345 |
| Westwood Lakes | $4,169 |
| Wewahitchka | $2,381 |
| Whiskey Creek | $2,597 |
| White City | $2,969 |
| White Springs | $2,405 |
| Whitfield | $2,873 |
| Wildwood | $2,597 |
| Williamsburg | $2,993 |
| Williston | $2,441 |
| Willow Oak | $2,801 |
| Wilton Manors | $3,785 |
| Wimauma | $3,389 |
| Windermere | $2,957 |
| Windsor | $2,717 |
| Winter Beach | $2,657 |
| Winter Garden | $2,909 |
| Winter Haven | $2,897 |
| Winter Park | $2,993 |
| Winter Springs | $2,813 |
| Woodville | $2,477 |
| World Golf Village | $2,513 |
| Wright | $2,393 |
| Yalaha | $2,597 |
| Yankeetown | $2,393 |
| Youngstown | $2,393 |
| Yulee | $2,597 |
| Zellwood | $2,909 |
| Zephyrhills | $3,281 |
| Zephyrhills North | $3,281 |
| Zephyrhills South | $3,281 |
| Zephyrhills West | $3,281 |
| Zolfo Springs | $2,561 |
Apart from choosing a provider with affordable rates, there are other ways to find cheap car insurance in Florida. Here are a few suggestions:
Compared to other states, the average cost of car insurance in Florida is $2220 per year, making it the fourth most expensive.
| Coverage type | What it does |
|---|---|
| Liability coverage | Your legal defense is covered if a lawsuit is filed against you due to an accident. Property damage and bodily injury are two forms of liability coverage that must be included in your insurance policy if you live in Washington. |
| Property damage | If you are held legally responsible for an accident, this policy protects your assets, and it protects you against certain types of harm to another person's property or car. |
| Bodily injury | If you're held legally responsible for an accident, it protects your assets, including some expenses related to bodily harm suffered by the other parties. |
| Comprehensive | When non-collision-related accidents cause physical damage to your car, this sort of Washington auto insurance coverage is used to fix it (subject to deductible). |
| Collision | When your car sustains physical damage due to a collision with another car or item, collision coverage is utilized to fix it (subject to deductible). |
| Uninsured/underinsured motorist | Protects you if the other party is at fault in an accident and either does not have insurance or is underinsured. |
Insurance ID cards must be kept in your automobile at all times and presented to authorities upon request or following an accident. If you refuse to cooperate, the police may give you a ticket for failure to provide evidence of insurance.
Insurance firms are required by the Florida Department of Highway Safety and Motor Vehicles to report all-new or canceled personal injury protection policies electronically. Suppose your insurance carrier informs the department that you have canceled your policy and have not yet activated a new one. In that case, the department will send you a notification requesting updated insurance details.
If you can't show that you replaced the insurance without a coverage gap, you'll have to pay a $150 reinstatement fee for the first violation. Your driver's license and license plate(s) will be suspended for up to three years if you cannot present proof of insurance
Why is Florida car insurance so expensive?
The high cost of auto insurance in Florida is due to several variables. Environmental considerations, such as traffic density and weather concerns, and driver profiles, are among them. Because Florida car insurance prices are so high, you must be proactive in comparing car insurance quotes if you live here.
You're not alone if you've observed that your coverage costs have increased in recent years. The average cost of car insurance has risen across the country, and Florida's auto insurance prices are following suit. The state's congested roadways, higher insurance requirements, high healthcare expenditures, high-risk drivers, uninsured drivers, and extreme weather threats all contribute to this trend.
Currently, the average Florida driver spends $2220 per year or $186 per month for full coverage auto insurance. Auto insurance prices in Florida have consistently risen over the previous six years. It has risen from 43rd to 46th in terms of insurance affordability.
Insurance is required for all cars with a valid Florida registration. Even "snowbirds" who visit Florida for more than 90 days per year must get Florida vehicle insurance.
Saving money on car insurance can add up quickly, and knowing which reductions are available may not always be evident. However, we're lifting the veil and disclosing how you may lower your auto insurance rates.
Discounts on car accessories: Drivers with current safety equipment such as airbags, anti-lock brakes, anti-theft systems, and daytime running lamps are rewarded by auto insurers.
Discounts for loyal customers: Insurers continuously seek new ways to save money by providing additional services to their clients. If you want to insure more than one car under the same policy, multi-vehicle discounts are ideal. When you combine your homeowner and auto policies, you might save money with multi-policy discounts.
Discounts for Employer Affiliation: You may be eligible for a reduction on your auto insurance premium if you are a current or past military member, a federal government employee, a first responder, or a front-line worker.
Affiliation Discounts for Drivers: Do you belong to an alumni association, a college or university, a fraternity or sorority, leisure, business, or professional group? Whether you answered yes, check with your auto insurance company to see if you qualify for any additional savings because of your association.
Discounts for accident-free driving: Your outstanding driving record may result in lower vehicle insurance rates. If you haven't had an accident in at least five years, you may be eligible for even higher insurance discounts.
Discounts for Driver Education: Did you realize that improving your driving abilities can help you save money? A defensive driving or driver's education course may qualify you for a discount on your auto insurance.
Car insurance is required by law in Florida. All drivers must have a minimum amount of insurance coverage determined by the state. If you don’t have insurance in Florida, the penalties are expensive. Florida is a no-fault state, which means that drivers must cover personal injury (PIP).
What is PIP? What is the importance of PIP?
Personal Injury Protection, also known as "No-Fault" insurance, is required in Florida for all drivers. PIP compensates you for injuries sustained in an accident, regardless of who was at fault.
Like other states that require PIP, Florida has its own set of rules and restrictions. PIP in Florida, like in New Jersey and Michigan, covers medical expenses, lost income, and death benefits.
What does PIP cover?
PIP will cover most of the medical bills. PIP claims are available to the following people:
Only 80% of your medical bills will be covered by PIP, making Florida unique from other states.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
The average cost of auto insurance in Florida is $180 per month ($2162 per year) for drivers aged 30 for full coverage. That's $33 more than the average national monthly cost of $147. The national minimum insurance plan's average auto insurance premium is $69 a month, or $828 a year.
The average cost of auto insurance in Florida is $180 per month ($2162 per year) for drivers aged 30 for full coverage. That's $33 more than the average national monthly cost of $147. The national minimum insurance plan's average auto insurance premium is $69 a month, or $828 a year.
Car insurance is expensive in Florida. Florida's average auto insurance premium is $1878 a year—31.6 percent higher than the US average. Yet car insurance premiums are determined by factors other than state lines.
The minimum criteria for car insurance cover in Florida are $10000 for personal injury protection (PIP) $10000 for property damage liability (PDL).
State Farm provides the most affordable car insurance for most drivers, with an average annual premium of $590. It also offers the most affordable coverage scheme for 50/100/50, which costs an average of $861 a year.
The basic car insurance coverage in Florida is $10000 for personal injury protection (PIP) $10000 for property damage liability (PDL).
Absolutely. Having a certain amount of car insurance is the law in every state except two (Virginia and New Hampshire). You must have evidence of insurance with you in Florida if you travel, and it must be up to date.
You must maintain the appropriate insurance coverage for the entire registration period or your driving rights, and the license plate will be revoked for up to three years.
Drivers in Florida are expected to hold at least $10000 of PIP, often referred to as Florida no-fault insurance.
A basic insurance policy can offer coverage for a variety of six various fields on which you will need financial protection. They're:
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