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Introduction

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.


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Minimum Required Auto Insurance Coverage 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

Cheapest Car Insurance in Florida for Minimum Required Coverage

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

Do I Need More Than the Minimum Required State Coverage in Florida?

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.

See what you could save on auto insurance

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.

Average Cost of Auto Insurance Companies in Florida

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.

  • Average driver: $2208
  • Seniors: $2225
  • Speeding violation: $2902
  • DUI: $3763
  • Poor credit score: $4371
  • Students: $5001

The cheapest car insurance companies in Florida

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

Cheapest car insurance quotes for Florida drivers

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

Cheap car insurance in Florida for young Florida drivers

Young drivers may pay up to $2001 more per year for minimum coverage for auto insurance in Florida than adult drivers. The General offers the cheapest car insurance quotes in Florida for young drivers. In Florida, The General's rates are 59% less than full-coverage for car insurance in Florida. On the other hand, State Farm provides affordable coverage, charging $2052 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
Travelers $6,176
State Farm $7,126
United Automobile Ins Group $8,265
Progressive $9,283
Allstate $10,577
Mercury $14,794

Cheap car insurance for Florida drivers with a speeding ticket

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 50% lower than the state average. The General also offers low rates for drivers who have received a speeding ticket, albeit its rates are $680 higher than State Farm.

Company Yearly Rate
State Farm $1858
Travelers $3262
UAIC $3382
Farmers $3574
Nationwide $3886
Allstate $4630
Progressive $5926

Cheap auto insurance for Florida drivers after a car accident

For drivers who have been in one accident, State Farm and The General 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 The General is $2085 per year, 51% less than the statewide average for similar drivers. State Farm's rates are 53% lower than the national average, and these two businesses were the only ones with lower rates than the national average.

Company Avg. Annual Premium
Travelers $2,631
State Farm $2,992
United Automobile Ins Group $4,292
Progressive $4,835
Mercury $4,936
Allstate $5,076

Cheap car insurance quotes for Florida drivers with a DUI

The General offers the cheapest auto insurance in Florida to drivers who have received a DUI. After one infraction, rates typically climb by 50%, and The General's rates increase by 71%, but it's still the lowest option for drivers with a DUI.

State Farm offers cheap insurance in Florida, albeit it is $2010 more expensive than The General on an annual basis.

Company Avg. Annual Premium
Travelers $2,921
State Farm $3,481
Progressive $3,724
Allstate $4,202
Mercury $4,243
United Automobile Ins Group $5,680

Cheap car insurance for married Florida drivers

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
Geico $141
State Farm $141
Travelers $232
Farmers $242
UAIC $252
Nationwide $258
Progressive $285
Allstate $400

Cheap full coverage car insurance quotes for young drivers with an accident history

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, The General 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

Cheap auto insurance in Florida with bad credit

Company Avg. Annual Premium
United Automobile Ins Group $3,336
Travelers $4,077
State Farm $4,101
The General $4,635
Mercury $4,681
Progressive $5,153
Allstate $6,066

Florida auto insurance rate by violation

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

Car insurance price trends in Florida

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

What Is Florida Good Driver Discount Policy?

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.

Compare car insurance rates in top cities

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
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 Lauderdale$3,689
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$2,945
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 

$4,097
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

Orlando 

$3,149
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
Tampa$3,989
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

How to find the best car insurance in Florida

Apart from choosing a provider with affordable rates, there are other ways to find cheap car insurance in Florida. Here are a few suggestions:

  • Ask for discounts: Most insurance companies offer discounts that can help drivers save money on their premiums. Every provider has various deals, but some common ones have safety features in your car, take a defensive driving course, be a safe driver, and pay your premium in full.
  • Raise your deductible: By raising your deductible, you agree to pay more out-of-pocket money for a claim. However, higher deductibility means paying less for your monthly premium.
  • Improve your credit score: Your credit score is one of the factors that influence your credit rating. Drivers with poor credit scores are considered high risk and pay a higher rate because of this. If you can boost your credit score, you'll be rewarded with a lower premium.
  • Shop around: Another option is to shop around for another provider who can offer you a cheaper rate. Often, insurance companies will even give you a discount on simply switching providers and signing a new policy before your old one comes to an end.

The average cost of car insurance in Florida

Compared to other states, the average cost of car insurance in Florida is $2220 per year, making it the fourth most expensive.

Auto Insurance Coverage Types

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.

Proof of Auto Insurance in Florida

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

See what you could save on auto insurance

Reasons Why Auto Insurance Costs More in Florida

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.

Things to Know About Car Insurance When Moving to Florida

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.

How to Get Discounts on Car Insurance in Florida

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.

Florida Car Insurance Laws

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:

  • Medical services and medication
  • Surgical services and hospital expenses
  • Rehab costs
  • Diagnostic services
  • Ambulatory services

Only 80% of your medical bills will be covered by PIP, making Florida unique from other states.

Auto Insurance Data Methodology

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

Frequently Asked Questions

How much is car insurance in Florida per month?

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.

What is the average cost of auto insurance in Florida?

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.

Is car insurance high in Florida?

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.

What is the minimum car insurance for Florida?

The minimum criteria for car insurance cover in Florida are $10000 for personal injury protection (PIP) $10000 for property damage liability (PDL).

Who has the cheapest car insurance in Florida?

The General 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.

What is the basic car insurance coverage in Florida?

The basic car insurance coverage in Florida is $10000 for personal injury protection (PIP) $10000 for property damage liability (PDL).

Do you need car insurance in Florida?

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.

How long can I go without insurance before my license is suspended in Florida?

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.

How does PIP work in Florida?

Drivers in Florida are expected to hold at least $10000 of PIP, often referred to as Florida no-fault insurance.

What does basic policy cover in Florida?

A basic insurance policy can offer coverage for a variety of six various fields on which you will need financial protection. They're:

  • Personal injury protection (PIP)
  • Bodily injury liability
  • Uninsured or under-insured motorist coverage
  • Collision coverage
  • Comprehensive coverage
  • Property damage liability

Learn more by city and state for car insurance



Learn more by city and state for car insurance




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