Florida Cheapest Car Insurance & Best Insurance Coverage Options
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UPDATED: May 6, 2021
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AutoInsureSavings.org licensed agents analyzed the cheapest car insurance companies in Florida and found GEICO provides the cheapest state minimum rate at $960 per year or 45% less expensive than average rates of $1,715 per year.
At $1,935 per year, State Farm provides cheap car insurance for Florida drivers for full coverage or 36% cheaper than state average rates of $2,984 per year.
Cheapest Auto Insurance in Florida
Florida insurance shoppers should compare quotes with the same coverage level with at least three insurance companies to find the best rate and save more on their auto insurance premiums.
|Cheapest Car Insurance in Florida - Key Takeaways|
|The cheapest Florida car insurance options are:
Cheapest for minimum coverage: GEICO
Cheapest for full coverage: State Farm
Cheapest after an at-fault accident: GEICO
Cheapest after a speeding ticket: State Farm
Cheapest after a DUI: Progressive
Cheapest for poor credit history: GEICO
Cheapest for young drivers: GEICO
For younger drivers with a speeding violation: State Farm
For younger drivers with an at-fault accident: GEICO
Enter your Zip Code or use this practical Florida auto insurance guide which is the best way to find top car insurance providers in your area regardless of driving type or age group.
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Cheapest Car Insurance in Florida for Minimum Coverage
GEICO offers the cheapest minimum coverage rates for drivers in Florida with a good driving record, which provided us a $960 per year rate or $755 cheaper than the $1,715 average rates for our 30-year-old sample driver.
Suppose you are a military member or a family member of military personnel. In that case, your best car insurance rates are with USAA, which offered our agents an $874 per year quote or $72 per month for minimum liability coverage.
Cheapest Florida auto insurance companies for minimum coverage, by quote
|Auto Insurer||Annual cost||Monthly cost|
*USAA is for qualified military members, their spouses, and direct family members. Your auto insurance rates may vary based on your driver profile.
Buying a minimum coverage policy is the cheapest way to meet Florida car insurance requirements to ensure you stay legal.
State minimums may not have sufficient insurance coverage with the amount of bodily injury coverage and property damage coverage you need if you are involved in an auto accident.
A state minimum auto policy in Florida only covers up to $20,000 per accident in bodily injury liability coverage and $10,000 per accident in property damage liability with $20,000 per accident of uninsured motorist coverage and $10,000 per accident of personal injury protection coverage.
Cheapest Full Coverage Car Insurance in Florida
State Farm offers the cheapest auto insurance rates for drivers in Florida with a good driving record with a full coverage insurance policy. State Farm’s $1,935 per year rate is 36% less expensive than state average rates of $2,984 per year.
Cheapest Florida car insurance companies for full coverage, by quote
|Auto Insurer||Annual cost||Monthly cost|
A full-coverage policy for drivers in Florida costs more than liability-only policies but offers more asset protection with comprehensive and collision insurance included. Your motor vehicle is protected no matter who is at fault or any inclement weather caused the damage, such as hurricanes.
Cheapest Car Insurance in Florida with a Speeding Ticket
State Farm offers the cheapest auto insurance in Florida for drivers with speeding tickets on their driving record. State Farm’s $2,139 per year rate is 40% or $1,398 less expensive than state average rates.
Cheapest Florida car insurance companies for full coverage after a speeding ticket, by quote
|Auto Insurer||Annual cost||Monthly cost|
According to the Florida Highway Safety and Motor Vehicle (FLHSMV.gov), your auto insurance rates can increase by $553 per year or 16% with one traffic violation for speeding.
Most auto insurers will increase car insurance rates after traffic tickets, so you want to make sure to shop around for cheaper insurance companies after any traffic violation on driving records.
Cheapest Car Insurance in Florida With a Car Accident
According to our analysis, GEICO offers the cheapest auto insurance in Florida for drivers with an accident history with a $2,341 per year car insurance premium for our sample driver.
GEICO’s rate is 44% less expensive than Florida’s average rates ($4,125 per year) for drivers in Florida with one accident in their driving history.
Cheapest Florida auto insurance companies for full coverage after an accident, by quote
|Insurer||Annual cost||Monthly cost|
Getting into an at-fault accident may cause a rate increase of 28% or $1,141 per year up to five years, showing the importance of shopping for cheaper auto insurance in Florida if you have a change on your driving record.
For accidents that result in any bodily injury, drivers in Florida must file SR-22 insurance (certificate of responsibility). In addition to Florida’s no-fault requirements, SR-22 insurance requires the following insurance coverage:
|SR-22 insurance requirements|
|Bodily injury liability (BIL)||$10,000 per person|
|Bodily injury liability (BIL||$20,000 per accident|
To make sure you get the best rates, be sure to shop around and compare auto insurance quotes with at least three car insurance companies after a car accident.
Cheapest Car Insurance in Florida with a DUI
Drivers in Florida with DUI offenses on their driving records can find the cheapest insurance with Progressive, which provided our insurance agents a quote at $2,514 per year or a $209 monthly rate for full coverage.
Cheapest Florida auto insurance companies for full coverage after a DUI, by quote
|Insurer||Annual cost||Monthly cost|
According to the Insurance Information Institute, car insurance premiums increase by 25% on average for Florida drivers with driving while intoxicated violations (DUI’s).
Along with higher car insurance rates, the State of Florida states you may have a suspended driver’s license for up to one year and must carry FR-44 insurance.
FR-44 insurance coverage requirements are higher than no-fault minimum coverage requirements or SR-22 certificates.
|FR-44 coverage||FR-44 minimum requirements|
|Bodily injury liability (BIL)||$100,000 per person|
|Bodily injury liability (BIL)||$300,000 per accident|
|Property damage liability (PDL)||$50,000 per accident|
Cheapest Car Insurance in Florida for Drivers With Poor Credit
GEICO provides the cheapest insurance for drivers with a poor credit score in Florida with a $2,617 per year rate for full coverage or 40% less expensive than the average bad credit rate increase in Florida of $4,319 per year.
Cheapest Florida auto insurance companies for drivers with poor credit, by quote
|Insurer||Annual cost||Monthly cost|
AutoInsureSavings.org analysis shows Florida drivers who have a poor credit score will pay on average 31% more for car insurance premiums. And drivers with poor credit are more likely to file a claim or get involved in an at-fault accident than drivers with a good credit score.
For that reason, their auto insurance costs are higher than average. Make sure to maintain good credit scores, pay credit cards and student loans on time to ensure your car insurance rates won’t increase at renewal.
Cheapest Car Insurance in Florida for Young Drivers
We found young Florida drivers with a good driving record looking for the cheapest full coverage insurance is with GEICO, which provided our agents a $3,876 per year quote or 52% less expensive than our sample young driver’s average car insurance rates in Florida.
USAA is the best car insurance option for younger drivers with a good driving record who qualify, which offered AutoInsureSavings’ agents a $3,164 per year rate for full coverage car insurance.
The cheapest state minimum coverage in Florida for teenage drivers is Auto-Owners Insurance, which offered us a quote at $2,265 per year or 43% cheaper than average rates. The next best option for younger drivers is Travelers Insurance, with a $2,290 per year rate for minimum liability coverage.
Cheapest Florida auto insurance companies for young drivers, by quote
|Car Insurance Company||Full coverage||Minimum coverage|
*USAA is for qualified military members, their spouses, and direct family members. Your car insurance rates may be different based on your driver profile.
Statistics show a teen driver is more prone to car accidents than older experience drivers, making car insurance rates higher. Our licensed agents recommend younger drivers in Florida buy full coverage auto insurance policies to have motor vehicle coverage in an auto accident as an added layer of protection.
It is best to shop around to find an insurance company that offers the cheapest insurance rates for young or teen drivers in The Sunshine State, such as GEICO, Auto-Owners Insurance, or Travelers, to cut down on your car insurance costs.
Cheapest Car Insurance for Young Drivers with a Speeding Ticket
Young drivers in Florida with a speeding violation should look to State Farm for the cheapest auto insurance in Florida. State Farm’s average car insurance cost is $4,488 per year or $4,069 less per year for car insurance policies in Florida with comprehensive and collision coverage for young drivers.
Cheapest insurance companies in Florida for young drivers with a speeding ticket, by quote
|Car Insurance Company||Annual cost||Monthly cost|
Cheapest Car Insurance for Young Drivers with an At-Fault Accident
Young drivers in Florida with an accident history can find the best auto insurance premiums with GEICO, which provided our agents a $4,730 per year rate for full coverage insurance.
GEICO’s at-fault accident rate is 49% cheaper than Florida’s average rates of $9,240 per year for teen drivers with a car accident.
|Car Insurance Company||Annual cost||Monthly cost|
Best Car Insurance Companies in Florida
AutoInsureSavings.org team of licensed insurance agents rated the best car insurance companies in Florida by customer satisfaction, insurance surveys, J.D. Powers claims satisfaction score, A.M. Best, and the National Association of Insurance Commissioners (NAIC) complaint index.
We found that Allstate and State Farm are the best car insurance companies based on excellent customer service, claims satisfaction, and NAIC’s complaint index.
AutoInsureSavings.org licensed agents had similar results from their recent Florida car insurance customer survey, with Allstate and State Farm scoring 63% and 60% respectfully with customers in claims satisfaction.
|Auto insurer||% respondents satisfied with recent claim||% respondents who saw customer service as excellent|
Our licensed insurance agents also collected information on each insurance company in Florida from the NAIC, J.D. Power, and A.M. Best’s financial strength ratings.
The car insurance company with the lowest NAIC complaint ratio is Allstate, with a 0.63 complaint ratio compared to their market share and below the national average of 1.00. State Farm is below the national average with a 0.66 NAIC complaint ratio.
|Insurer||NAIC Complaint Index||J.D. Power claims satisfaction||A.M. Best rating|
The NAIC’s complaint ratio compares the number of complaints an auto insurer has based on the Florida market share. Any car insurance provider below 1.00 is better than the national average.
Allstate and State Farm have the highest J.D. Power claims satisfaction scores of 876 and 881, respectfully.
A.M. Best financial strength ratings are a grade describing an auto insurer’s financial health and their ability to pay out claims.
While comparison shopping for car insurance companies in Florida, it is essential to remember that many factors contribute to your premium cost. Your age, driving experience, and even your credit score can influence your total monthly or annual cost.
It is always best for drivers in Florida to compare car insurance plans to find the best insurance company that offers the lowest insurance rate.
Average Cost of Car Insurance by City in Florida
We collected insurance quotes from Florida zip codes from top insurance companies and found average rates can vary by $1,016 per year.
Typically, you will pay higher auto insurance rates if you live in urban cities rather than the state’s rural areas.
Your Florida insurance rate is based not only on your zip code but also on the type of vehicle, driver history, liability coverage limits, marital status, and many other risk factors.
Cheapest Car Insurance in Jacksonville, FL
Drivers in Jacksonville, Florida, can find the cheapest insurance quotes with GEICO, which provided AutoInsureSavings.org agents a rate of $2,147 per year with $500 deductibles for comprehensive and collision coverage. GEICO’s quote is 39% less expensive than Jacksonville’s average rates.
|Jacksonville Company||Average Premium|
Cheapest Car Insurance in Miami, FL
Drivers in Miami can look to GEICO for the cheapest auto quotes, with a rate of $2,342 per year with full coverage insurance. GEICO’s rate is 35% cheaper than Miami’s $3,654 average rates for 30-year-old drivers.
|Miami Company||Average Premium|
Cheapest Car Insurance in Tampa, FL
Good drivers in Tampa, Florida, can find the cheapest full coverage with State Farm Insurance, which offered us a $1,986 per year rate for our sample 30-year-old driver with comprehensive and collision $500 deductibles. State Farm’s car insurance rate is $1,390 less per year than Tampa’s average rates of $3,376 per year.
|Tampa Company||Average Premium|
Cheapest Car Insurance in Orlando, FL
Our insurance agents found the cheapest auto insurance rate in Orlando, Florida, is GEICO, with a $1,853 per year rate for a full coverage auto insurance policy. GEICO’s quote is 45% less expensive than Orlando’s average rates.
|Orlando Company||Average Premium|
Cheapest Auto Insurance in St. Petersburg, FL
Drivers in St. Petersburg can get cheaper auto insurance with GEICO, which provided our licensed agents a $2,056 per year rate for a full coverage insurance policy with $50,000 in liability insurance. GEICO’s quote is 43% less expensive than the average rates in St. Petersburg, FL.
|St. Petersburg Company||Average Premium|
|St. Petersburg average||$3,562|
Cheapest Auto Insurance in Hialeah, FL
Good drivers in Hialeah, Florida, can find the least expensive auto insurance policy with Travelers Insurance, which offered us a $1,743 per year rate for our sample 30-year-old male driver. Traveler’s full coverage quote is 41% cheaper than Hialeah, FL average rates.
|Hialeah Company||Average Premium|
Cheapest Car Insurance in Tallahassee, FL
Drivers in Tallahassee can shop around and get cheap auto insurance with GEICO, which provided our licensed agents a $1,910 annual rate for a full coverage policy with $50,000 in liability insurance. GEICO’s quote is 42% less expensive than the average rates in Tallahassee.
|Tallahassee Company||Average Premium|
Average Car Insurance Cost for All Cities in Florida
|City||Average Insurance Cost||City||Average Insurance Cost|
|St. Petersburg||$3,562||Miami Gardens||$2,498|
|Port St. Lucie||$3,054||West Palm Beach||$3,216|
|Pembroke Pines||$2,953||Boca Raton||$2,999|
|Deltona car insurance||$2,865||Sky Lake car insurance||$2,989|
|Miami Beach car insurance||$2,854||Sanibel car insurance||$2,532|
|Town 'n' Country car insurance||$3,025||Longboat Key car insurance||$2,810|
|Palm Coast car insurance||$2,764||Inverness car insurance||$2,498|
|Largo car insurance||$2,638||Ormond-by-the-Sea||$2,576|
|Melbourne car insurance||$3,041||Willow Oak car insurance||$2,687|
|Deerfield Beach car insurance||$3,054||Lake Lorraine car insurance||$2,638|
|Fort Myers car insurance||$2,498||Dade City car insurance||$2,714|
|The Villages car insurance||$3,010||Neptune Beach car insurance||$2,834|
|Pine Hills car insurance||$2,856||River Park car insurance||$3,018|
|Boynton Beach car insurance||$3,036||Indiantown car insurance||$2,856|
|Kendall car insurance||$3,098||Fort Myers Beach car insurance||$3,127|
|Poinciana||$3,100||St. Augustine Beach||$2,638|
|Delray Beach||$2,687||Fort Pierce North||$3,036|
|North Port||$2,834||West Samoset||$3,015|
|North Miami||$3,427||South Patrick Shores||$3,102|
|Palm Harbor||$2,856||Fort Myers Shores||$2,952|
|The Hammocks||$2,532||Indian River Estates||$2,576|
|Wesley Chapel||$2,810||Naples Manor||$2,764|
|Sarasota||$2,576||Inverness Highlands South||$3,009|
|Bradenton||$3,045||Islamorada, Village of Islands||$3,328|
|Palm Beach Gardens||$2,576||Orlovista||$2,532|
|Pinellas Park||$2,498||Combee Settlement||$2,834|
|Pensacola||$3,265||Jan Phyl Village||$3,092|
|Country Club||$3,087||Ocean City||$2,810|
|Coral Gables||$2,687||South Gate Ridge||$2,576|
|Fort Pierce||$2,687||High Springs||$2,590|
|Cutler Bay||$2,764||Bay Harbor Islands||$2,714|
|North Lauderdale||$3,365||Lake Alfred||$2,687|
|Winter Garden||$3,143||Naples Park||$3,127|
|North Miami Beach||$2,941||Surfside||$2,576|
|North Fort Myers||$2,498||Okeechobee||$3,091|
|Ormond Beach||$2,687||Rio Pinar||$2,764|
|Winter Haven||$2,714||Samsula-Spruce Creek||$2,498|
|The Acreage||$3,151||Siesta Key||$2,532|
|Hallandale Beach||$2,764||Palm Springs North||$2,576|
|Horizon West||$3,127||South Highpoint||$2,687|
|Plant City||$2,498||St. Augustine South||$2,941|
|Royal Palm Beach||$3,086||Floral City||$2,834|
|Land O' Lakes||$3,036||Warm Mineral Springs||$2,498|
|Lake Worth||$3,170||Port LaBelle||$2,856|
|Egypt Lake-Leto||$3,077||South Sarasota||$3,265|
|Richmond West||$2,532||Hutchinson Island South||$3,143|
|South Miami Heights||$3,471||South Bay||$3,151|
|Panama City||$3,032||River Ridge||$3,036|
|Meadow Woods||$2,590||South Pasadena||$2,687|
|Lauderdale Lakes||$2,764||Whiskey Creek||$2,941|
|Cooper City||$2,687||Flagler Beach||$2,498|
|Golden Glades||$2,576||Bay Hill||$2,856|
|West Little River||$3,164||Big Pine Key||$3,151|
|Ferry Pass||$2,714||Ridge Manor||$2,687|
|East Lake||$3,193||Nassau Village-Ratliff||$2,498|
|Dania Beach||$2,687||Mount Plymouth||$2,764|
|Fruit Cove||$2,941||Butler Beach||$3,088|
|Winter Park||$2,498||June Park||$2,576|
|Golden Gate||$3,143||Lower Grand Lagoon||$2,856|
|East Lake-Orient Park||$2,810||Vamo||$2,941|
|Bayonet Point||$2,498||Daytona Beach Shores||$2,906|
|Citrus Park||$2,590||White City||$2,576|
|Leisure City||$2,856||The Meadows||$2,498|
|University Park||$2,990||Stock Island||$2,532|
|Temple Terrace||$2,764||Kensington Park||$3,068|
|New Smyrna Beach||$2,590||Samoset||$2,856|
|Coral Terrace||$2,498||Moon Lake||$2,810|
|South Bradenton||$2,987||Mary Esther||$3,085|
|Tarpon Springs||$2,687||Madeira Beach||$2,576|
|Sebastian||$2,982||Ridge Wood Heights||$2,590|
|Palm Springs||$3,067||Three Oaks||$3,077|
|Key West||$3,143||Indian Rocks Beach||$2,498|
|Palm City||$2,532||Holmes Beach||$2,714|
|Bloomingdale||$3,151||Fort Pierce South||$3,036|
|Palmetto Bay||$2,856||Indian River Shores||$3,181|
|Sun City Center||$2,576||South Brooksville||$2,687|
|Oak Ridge||$2,856||Lochmoor Waterway Estates||$2,576|
|Palm River-Clair Mel||$2,975||Mulberry||$2,498|
|Hialeah Gardens||$2,687||Charlotte Harbor||$2,532|
|Wekiwa Springs||$2,498||West Bradenton||$2,590|
|Jacksonville Beach||$3,328||Lake Belvedere Estates||$3,077|
|Vero Beach South||$3,127||Goulding||$2,856|
|The Crossings||$2,834||Highland Beach||$2,687|
|Florida Ridge||$2,764||North River Shores||$3,164|
|Fort Walton Beach||$3,009||Bagdad||$2,687|
|Sunny Isles Beach||$2,687||Clarcona||$2,941|
|Jasmine Estates||$2,856||Feather Sound||$3,009|
|Naples||$2,498||Royal Palm Estates||$2,532|
|Palm Valley||$2,810||Lake Clarke Shores||$2,590|
|West Pensacola||$3,151||Juno Beach||$2,498|
|Apollo Beach||$2,714||Holden Heights||$3,184|
|Hunters Creek||$2,944||St. James City||$3,085|
|Holiday||$3,036||Port St. Joe||$2,590|
|Bayshore Gardens||$2,590||Point Baker||$2,810|
|Belle Glade||$2,714||Tierra Verde||$2,576|
|Lake Butler||$2,764||South Beach||$3,077|
|Gibsonton||$2,856||Dade City North||$3,164|
|World Golf Village||$2,576||Pretty Bayou||$3,009|
|San Carlos Park||$2,856||Bay Pines||$2,532|
|Safety Harbor||$2,810||Ponce Inlet||$2,714|
|Upper Grand Lagoon||$2,941||Watergate||$2,498|
|Myrtle Grove||$2,498||North Brooksville||$2,576|
|Vero Beach||$2,687||Crystal River||$3,036|
|New Port Richey||$2,856||Island Walk||$2,498|
|Sunset||$2,856||Hill 'n Dale||$2,590|
|Sarasota Springs||$2,498||Roosevelt Gardens||$2,687|
|Palmetto Estates||$2,856||Bal Harbour||$2,941|
|Three Lakes||$2,532||Woodlawn Beach||$2,810|
|West Park||$2,590||Bowling Green||$3,211|
|West Lealman||$2,498||Zephyrhills North||$2,764|
|Bellair-Meadowbrook Terrace||$2,687||De Leon Springs||$3,143|
|Oldsmar||$3,085||Big Coppitt Key||$2,498|
|St. Augustine||$3,213||Tyndall AFB||$3,032|
|Lakewood Park||$2,498||Hernando Beach||$2,764|
|Hobe Sound||$2,532||Manatee Road||$3,219|
|Mount Dora||$2,687||Eagle Lake||$2,498|
|East Milton||$2,590||Meadow Oaks||$3,085|
|Palmetto||$3,036||Inverness Highlands North||$2,714|
|Atlantic Beach||$2,953||Lake Mary Jane||$2,590|
|Homosassa Springs||$3,009||Villano Beach||$2,856|
|North Palm Beach||$2,576||Geneva||$2,498|
|Key Biscayne||$3,213||Cross City||$3,221|
|South Daytona||$2,532||Charlotte Park||$2,941|
|Panama City Beach||$3,068||Freeport||$2,714|
|Wilton Manors||$2,498||Mangonia Park||$3,036|
|Shady Hills||$2,687||Pine Air||$2,532|
|Holly Hill||$2,576||Virginia Gardens||$2,834|
|Lake City||$2,590||Quail Ridge||$3,077|
|Union Park||$2,714||Grove City||$3,151|
|Orange City||$2,498||Polk City||$3,143|
|Florida City||$2,687||Pine Island Center||$3,164|
|Viera East||$2,856||Eglin AFB||$2,789|
|Port St. John||$2,590||Williston Highlands||$3,006|
|Cocoa Beach||$2,941||Cudjoe Key||$2,576|
|Westwood Lakes||$3,036||Oak Hill||$3,127|
|Port Salerno||$2,498||Burnt Store Marina||$2,810|
|Gulf Gate Estates||$2,789||Plantation Mobile Home Park||$3,151|
|Satellite Beach||$2,590||El Portal||$3,068|
|Highland City||$2,810||Silver Lake||$3,164|
|Pasadena Hills||$2,576||Heritage Pines||$3,036|
|Richmond Heights||$3,213||Lake Placid||$2,714|
|Doctor Phillips||$2,532||Zolfo Springs||$3,085|
|Avon Park||$2,941||East Bronson||$3,068|
|Miami Shores||$2,590||Oriole Beach||$2,810|
|New Port Richey East||$2,789||Lake Butler city||$3,228|
|Pebble Creek||$2,878||East Palatka||$3,036|
|Asbury Lake||$3,151||Bear Creek||$2,590|
|Progress Village||$2,834||Punta Rassa||$2,576|
|Key Largo||$3,217||Pine Ridge||$2,878|
|West Perrine||$2,590||Buckhead Ridge||$3,127|
|St. Pete Beach||$2,941||Bokeelia||$3,085|
|St. Augustine Shores||$2,789||Crooked Lake Park||$2,941|
|Silver Springs Shores||$2,789||Roseland||$2,576|
|North Sarasota||$3,164||Belleair Beach||$2,810|
|Fern Park||$2,532||Lake Hamilton||$2,576|
|Indian Harbour Beach||$3,164||North DeLand||$2,878|
|West Vero Corridor||$2,687||Cypress Quarters||$3,036|
|Southeast Arcadia||$3,077||Babson Park||$2,714|
|North Weeki Wachee||$2,498||Harold||$2,532|
|Brooksville||$3,127||South Palm Beach||$3,085|
|Venice Gardens||$3,151||San Antonio||$3,164|
|Broadview Park||$2,576||Limestone Creek||$2,947|
|North Bay Village||$2,834||Schall Circle||$2,498|
|Green Cove Springs||$2,532||Taft||$2,810|
|Fruitland Park||$2,576||North Redington Beach||$3,068|
|West Miami||$2,789||Palmona Park||$3,036|
|Citrus Hills||$3,151||Fanning Springs||$3,231|
|South Apopka||$3,132||Weeki Wachee Gardens||$2,789|
|Quincy||$2,532||Palm Beach Shores||$3,077|
|Black Hammock||$3,085||Pomona Park||$2,590|
|Gun Club Estates||$3,077||Crescent Beach||$3,127|
|Lake Mack-Forest Hills||$2,714||Homestead Base||$2,576|
|North Key Largo||$2,878||Waverly||$2,714|
|St. George Island||$2,810||Lawtey||$2,941|
Minimum Auto Insurance Requirements in Florida
According to the Florida Highway Safety and Motor Vehicles, all drivers in Florida must comply with state law and have the minimum bodily injury liability coverage, property damage liability coverage, personal injury protection (PIP), and uninsured motorist coverage in their car insurance policies for vehicle registration.
Below are the Florida no-fault state requirements with minimum liability limits:
|Liability insurance||Florida state minimum requirements|
|Bodily injury liability||$10,000 per person and $20,000 per accident|
|Property damage liability||$10,000 per accident|
|Uninsured motorist coverage||$10,000 per person and $20,000 per accident|
|Personal Injury Protection||$10,000 per accident|
AutoInsureSavings.org insurance agents recommend higher liability car insurance for drivers in Florida with collision and comprehensive coverage or a full coverage car insurance policy with roadside assistance.
You will be responsible for the extra costs in an at-fault auto accident in Florida if the cost of bodily injury and property damage exceeds the liability insurance requirements.
Frequently Asked Questions – Florida Car Insurance
Who has the Cheapest Car Insurance in Florida?
GEICO offers the state minimum’s cheapest auto insurance rate at $960 per year for 30-year-old drivers. The average annual auto insurance premiums for minimum coverage in Florida are $1,715 per year, and GEICO’s premium costs 45% less per year. Other good options for affordable car insurance are Travelers at $1,036 per year and Auto-Owners Insurance at $1,116 per year.
How Much is Florida Car Insurance per Month?
The average car insurance costs $248 per month for full coverage in Florida and $142 per month for state minimum coverage for a 30-year-old driver with a clean driving record.
How Much Is Full Coverage Car Insurance in Florida?
The average cost of full coverage car insurance in Florida is $2,984 per year or $248 per month with $50,000 per accident in liability coverage. State Farm’s average rate for full coverage is $1,935 per year or $161 per month or 36% less per year, while GEICO’s $1,980 rate is 34% below Florida state average rates.
How do I Save on Car Insurance in Florida?
The best way to save on your insurance premium in Florida is to find out from your car insurance provider if you are eligible for the company’s money-saving driver discounts. Many insurance providers in Florida will lower your overall insurance prices if you have more than one car insurance policy with them, such as life or home insurance policies.
Another way to save on car insurance premiums is to practice safe driving habits and maintain clean driving records. Many auto insurance companies offer good driving discounts for drivers in Florida that have clean driving records for five years. One example is State Farm, which offers good drivers a safe driver discount of up to 30% through the “Drive Safe & Save” telematics car insurance program. Not only will you keep and your passengers safe, but it will also help you avoid car accidents or traffic violations that could cause your premium to increase.
To learn more about car insurance for drivers in Florida, enter your zip code or get expert advice at AutoInsureSavings.org.
Our licensed insurance professionals will be happy to answer any questions you have.
AutoInsureSavings.org comparison shopping study used a full-coverage auto policy for a 30-year-old driving a 2018 Honda Accord with the following coverage limits:
|Coverage type||Study limits|
|Bodily injury liability||$50,000 per person / $100,000 per accident|
|Property damage liability||$25,000 per accident|
|Personal injury protection||$10,000|
|Uninsured / underinsured motorist bodily injury||$50,000 per person / $100,000 per accident|
|Comprehensive and collision coverage||$500 deductible|
We used insurance rates for Florida drivers with accident histories, credit scores, and marital status for other rate analyses. We used insurance rate data from Quadrant Information Services, which are publicly available for comparative purposes only. Your auto insurance rates may vary when you get quotes.
– Insurance Information Institute. “Facts + Statistics: Uninsured Motorists.”
– Florida Highway Safety and Motor Vehicles. “Points & Point Suspensions.”
– National Association of Insurance Commissioners. “Market Share Reports for Property/Casualty Groups and Insurance Companies.”
– Florida Highway Safety and Motor Vehicles. “Traffic Crash Facts.”
– Florida Highway Safety and Motor Vehicles. “Florida Car Insurance Requirements.”