Here’s everything you need to know about car insurance quotes in Florida.

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There’s a lot to do and see in Florida, such as Orlando, West Palm Beach, Miami, and Jacksonville, which is why you need top-notch car insurance to protect your vehicle and finances while you commute or explore. 

Our review team takes a look at the minimum insurance requirements, the cost of FL auto insurance, and our top choices for reasonable auto insurance quotes for the Sunshine State, to help you find the best car insurance for the job and start comparing Florida car insurance quotes. 

Whether you are shopping for new car insurance or looking to switch providers, we always recommend getting quotes from multiple providers and comparing them to be sure you’re getting coverage for the best possible price. To help you make a more educated decision, our team reviewed 30 of the best auto insurance providers based on financial strength, availability, customer service, cost and discounts, coverage, and technology. Read our review of the best car insurance companies to learn more about our top picks, including USAA, Geico, and State Farm car insurance.

Call our team at (855) 518-0148 to get a free, personalized Florida auto insurance quote seven days a week or use the tool below to get matched with the best Florida car insurance providers in your zip code: 

 
 

In this article:

Florida Car Insurance Minimum Requirements

Every state has different financial responsibility laws for the amount of car insurance drivers must carry. Florida has liability limits of 10/20/10. If you’re shopping for car insurance in Florida and you see these numbers, this is what they mean:

  • $10,000 in bodily injury liability per person
  • $20,000 in bodily injury liability per accident
  • $10,000 in property damage liability

Florida is a no-fault state, meaning that no matter who causes a car accident, each driver must file a claim with their own insurance company to handle medical expenses. In addition to the liability coverage discussed above, motorists must carry at least $10,000 in personal injury protection (PIP). PIP coverage helps drivers pay for their own injuries after an accident regardless of fault.

Some additional types of auto insurance you could purchase in addition to the state minimums include:

  • Collision insurance
  • Comprehensive insurance
  • Medical payments (MedPay)
  • Uninsured/underinsured motorist coverage (UM/UIM)

Factors That Affect Quotes For Florida Car Insurance

The average car insurance payment depends on many demographic and personal factors. You can expect the following to be taken into account when car insurance companies are determining your policy premium:

  • Your gender
  • Age
  • Marital status
  • Location
  • Make, model, and year of your vehicle
  • Your driving record
  • And more

Drivers might think that car insurance is cheap for Floridians because the liability requirements are relatively low compared to that of other states, but that’s incorrect. Florida is actually one of the most expensive states for auto insurance.

The high cost of insurance in Florida is in part due to the high number of uninsured motorists on the road and the weather. The Sunshine State is known for its pleasant weather, but when hurricane season comes around, many cars suffer the consequences, resulting in more claims being filed.

How Much Does Car Insurance Cost Per Month In Florida?

Florida is one of the more expensive states for car insurance. In 2017, Florida drivers spent an average of $1,356.90 per year according to the Insurance Information Institute. That breaks down to about $113.90 per month, which is much higher than the national average. 

Here’s a breakdown of the coverage costs that year based on data from the Insurance Information Institute:

Type of Coverage Average Annual Expenditure in 2017
Liability coverage $964.28
Collision coverage $343.41
Comprehensive coverage $137.88
Total cost $1,356.90
 

*To calculate average expenditures, NAIC assumed that all insured vehicles would carry liability coverage but not necessarily collision or comprehensive. Total cost per year measures what consumers actually spent.

Your own car insurance rates could be higher or lower depending on the factors we discussed above. To know exactly what you will pay, you’ll need to reach out for Florida car insurance quotes.

Enter your zip code in the tool below to collect and compare auto insurance quotes from providers available in your area of Florida, or call (855) 518-0148.

 
 

How To Find The Cheapest Florida Auto Insurance

Even with the high cost of auto insurance in Florida, finding cheap auto insurance premiums is still possible. To save money, take these steps to find the cheapest car insurance policy:

  • Compare quotes. When you’re shopping for a provider, don’t just go with the first one. It’s smart to get quotes from multiple providers to make sure you’re getting the best price and coverage.
  • Ask your provider if you qualify for any insurance discounts. Discount opportunities vary from provider to provider, but many offer good driver discounts, good student discounts, discounts for customer loyalty, multi-vehicle discounts, and more.
  • Try increasing your deductible. A low deductible is great, but it can mean a higher premium. In the same way, a high deductible usually comes with a lower premium. Play around with your deductible, but make sure that you would still be comfortable actually paying that deductible if you ever had to file an at-fault claim.
  • Improve your credit score. Insurance providers use your credit history to inform the likelihood that you’ll file a claim, which is called an insurance rating. Someone with poor credit may be more likely to file a claim, so auto insurance companies will generally give this driver a higher premium. Take steps to improve your credit score over time to get the best car insurance quotes in Florida.

What If I Can’t Afford The Minimum Insurance In Florida?

If you are caught driving in the state of Florida and cannot provide proof of insurance, you could face serious penalties for breaking driving laws.

  Fines Driving Privileges

First Offense

$150 reinstatement fee

License and registration suspended up to three years or until proof of insurance is provided

Second Offense

$250 reinstatement fee if a driver is caught without insurance a second time within three years

License and registration suspended up to three years or until proof of insurance is provided

Third and Subsequent Offenses

$500 reinstatement fee if a driver is caught again without insurance within three years

License and registration suspended up to three years or until proof of insurance is provided

 

If you are at-fault for an accident that results in injuries or damages to the other party’s person or property, you could be held financially responsible to pay out of pocket. You could also face losing your driving privileges until the cost of damages has been paid.

Recommendations For Car Insurance Quotes In Florida

When you’re shopping around for auto insurance quotes in Florida, it’s smart to get quotes from multiple car insurance companies to make sure you’re paying the best rates. We recommend starting with Geico and USAA.

 

Geico Auto Insurance: 4.5 Stars

We recently named Geico auto insurance the best overall provider in the nation. This company has great rates for a variety of drivers, particularly students. Geico has a strong reputation in the industry with an A++ (Superior) financial strength rating from AM Best and an A+ rating by the Better Business Bureau (BBB).

In addition to standard car insurance coverage like liability auto insurance and collision, you can get roadside assistance, mechanical breakdown insurance, and more with Geico. Make sure to check and see if you qualify for any discounts.

USAA Auto Insurance: 5 Stars

USAA is an insurance provider for military personnel and their families that offers auto insurance in all 50 states. We reviewed USAA auto insurance and found that the company has an equally strong reputation in the auto insurance industry. USAA received an AM Best financial strength rating of an A++ and topped the charts of several J.D. Power studies for customer satisfaction in 2019.

On top of standard auto insurance coverage, you can get things like roadside assistance, accident forgiveness insurance, and rental car reimbursement with USAA. As with any provider, see if you qualify for any discounts when you’re shopping for car insurance quotes in Florida.

To compare quotes for Florida auto insurance, call our team at (855) 518-0148 or use our tool below to start saving money today.

 
 
 

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