Cheapest Insurance in Florida 2021
- Find cheapest car insurance Florida
- Best insurance companies
- Minimum coverage
- Additional coverage
- Minimum coverage carriers
- Full coverage
- Full coverage carriers
- Cost by age
- Poor driving record insurance
- Carriers for poor driving record
- Young drivers poor driving record insurance
- Young drivers carriers for poor driving record
- Cost by car make
- Cost by city
- Lower costs
Drivers in the sunshine state might not be feeling so sunny when they hear that their car insurance rates are, on average, 50% higher than the national average.
But there are definitely deals to be found, and there’s no better way to find affordable car insurance in Florida than to shop around and compare quotes from multiple providers.
Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from one insurance company to another.
Jerry offers a quick and convenient way to compare quotes and switch plans. Want to give it a try? Enter your ZIP code to get cheap car insurance quotes from the best insurance companies in Florida. And if you want to learn more about car insurance rates in Florida, keep reading.
Find the cheapest car insurance in Florida with Jerry
Florida has a host of different factors that tend to keep insurance rates high, including lots of high-risk drivers, severe weather, and a high percentage of uninsured or underinsured drivers.
And while Florida falls into the top three most expensive states for car insurance, according to our data, it’s certainly possible to find affordable rates.
Here’s how much Jerry customers were paying for car insurance in Florida before they compared quotes and switched plans with Jerry:
Best insurance companies for cheap insurance in Florida with Jerry
Cheapest minimum coverage car insurance in Florida
The minimum insurance coverage that drivers must carry varies by state. In Florida, all drivers must meet the following minimum coverage requirements:
- $10,000 bodily injury liability per person
- $20,000 bodily injury liability per accident
- $10,000 property damage liability per accident
In Florida, it is illegal to drive without proof of the required insurance or financial responsibility. If you’re caught, penalties include a reinstatement fee of anywhere from $150 to $500—and you must secure and provide proof of current Florida insurance. You may also face suspension of your driver’s license, registration, and license plate.
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in Florida:
Additional coverages you might want to consider when shopping for car insurance in Florida
|Risk Factor||Coverage to Consider|
|Weather events||Florida is prone to certain severe weather events, like hurricanes and flooding. Comprehensive insurance covers physical damage to your car as a result of weather, vandalism, or other non-collision-related event.|
|Uninsured drivers||Uninsured motorist protection covers you in the event of an accident with a driver who doesn’t have even the minimum required car insurance.|
|High population density||With more drivers on the road, chances of an accident are high. Accident forgiveness coverage means that your insurance rates won’t go up after your first at-fault accident.|
Minimum insurance is all you need to drive in Florida, but failing to secure more complete coverage can leave you open to financial responsibilities in the event of an accident.
Best carriers for minimum coverage car insurance in Florida
Many of the largest, most well-known insurance providers do business in Florida. This means there’s lots of choice when it comes to choosing an insurer for your minimum liability car insurance.
The best companies offer affordable rates plus great customer service and a smooth claims process.
Here’s how much Jerry customers pay for minimum liability coverage with various carriers in Florida:
Cheapest full coverage car insurance in Florida
Although full coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident—which means it could end up costing less in the long run.
With more than a quarter of Florida drivers uninsured or underinsured, having more complete insurance coverage can offer peace of mind and save you from financial liability in case of an incident.
Full coverage car insurance policies generally include:
If you decide that full coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay:
Best carriers for full coverage car insurance in Florida
When you’re choosing an insurance provider for full coverage insurance, you’ll want to look at a variety of factors. Price is certainly a key consideration, but don’t neglect to consider things like ratings from current and past customers and the ease with which you can file a claim.
Here’s how much Jerry customers pay for full coverage car insurance with various carriers in Florida:
While you technically only need minimum insurance to drive legally in Florida, securing additional protection will provide peace of mind and protect you financially in the event of an incident.
Cost to insure your car in Florida by age
Insurers value driving experience. The younger you are, the less experience you have—and this will likely be reflected in higher insurance premiums.
As home to 12 state universities and 28 community and state colleges, Florida has lots of young drivers. Young drivers in the state must pass a knowledge exam and provide proof of traffic law and substance abuse education (TLSAE) course completion—but even so, rates are comparatively high for the younger demographic.
If you’re a young driver, don’t despair. While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes by shopping around and maintaining a clean driving record.
No matter your age, quote shopping with Jerry is a good place to start. Here are the prices Jerry offers drivers by age:
Cost of insurance for drivers in Florida with a bad driving record
Drivers who have gotten into an accident, received a speeding ticket, or have been convicted of a DUI often pay higher car insurance rates.
Florida uses the point system, and most moving violations (like speeding and reckless driving) come with 3–4 points. Having points on your record labels you a higher-risk driver in the eyes of insurance companies.
The good news is Jerry can help you find a competitive and cheap car insurance policy even if your driving record isn’t squeaky clean.
|Leaving scene of an Accident/Hit and Run||$2,964||$2,162|
|Speeding under 15||$4,034||$2,810|
|Driving on Sus. License||$3,957||$2,819|
Best carriers for drivers with infractions in Florida
Cost of insurance for young drivers in Florida with a bad driving record
Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
Young drivers with points on their record will see higher-than-usual insurance premiums for years. In Florida, moving offenses remain on the driving record for at least five years—meaning that even if you turn 25 and are no longer a young driver, those points will continue affecting your rates.
Fortunately, Jerry can help young drivers with prior incidents find the right coverage for the best price.
|Wrong Way/Wrong Lane||$3,995||$2,813|
|Speeding under 15||$4,717||$3,435|
|Driving on Sus. License||$5,465||$3,565|
|Speeding over 15||$6,695||$4,310|
|Failure to Obey Traffic Sign||$6,768||$4,425|
Best carriers for young drivers with infractions in Florida
If you’re looking for the most affordable insurance for a young driver with a poor driving record in Florida, check out these top carriers.
Young drivers are already deemed higher risk by insurers, and a moving violation only makes their statistically expensive premiums even less affordable. Comparing rates from various providers can help find the most affordable coverage.
Types of discounts that might be available to you in Florida
Never underestimate a good discount! If you want to find cheap car insurance quotes, be sure to take advantage of any car insurance discounts that are provided by insurance companies in Florida.
Here are some to keep an eye out for:
- Customer loyalty (e.g., bundling, early renewal)
- Demographic (e.g., good student, senior)
- Driver affiliations (e.g., military, affinity)
- Driving history (e.g., accident-free, safe driver)
- Driver training (e.g., defensive driver course)
- Equipment-related (e.g., anti-theft, new car)
- Payment (e.g., auto-pay, paperless)
There are a wide range of car insurance discounts available in Florida, which means that almost all drivers qualify for something. The most common discounts in Florida fall into three categories: policy discounts, driver discounts, and vehicle discounts.
|Discount Type||Who is Eligible?|
|Good driver discounts||Good driver discounts are for California drivers who have had a valid driver’s license for the past three consecutive years, have no more than one point on their driving record, and have no serious driving-related convictions. This discount is mandated by state law and saves drivers 20% on their car insurance premium.|
|Defensive driving discounts||A defensive driving course can help reduce your premium by 10–15%. They teach drivers how to better assess road, traffic, and weather conditions to avoid accidents. The classes are mandatory for young drivers in California, but drivers of any age can take them to benefit from the discount.|
|Driver education discount||Drivers who are 55 and older and complete a driver’s education course approved by the state are eligible for discounts of up to 10%.|
|Policy bundling discount||If you insure multiple vehicles or have multiple policies with the same insurance company (e.g., home and auto), most Florida insurers offer discounts. Savings can range from 2–12%.|
|Usage-based discount||Some insurers offer discounted rates for using a telematic device or app that monitors driving habits. You can save up to 30% for good driving habits.|
If you’re not sure which discounts might apply to you, worry not. Jerry can help you determine which discounts you qualify for, and it will automatically include them in real-time quote comparisons.
How much does it cost to insure my car make in Florida?
Convertible sports cars might be great for the Florida sun, but you won’t find any insurance savings on them.
Standard, relatively inexpensive cars are usually more affordable to insure since they cost less to repair if you’re in an accident. If you’re driving a Corolla, Accord, Camry, or Civic—some of the best-selling cars in Florida—then it shouldn’t be hard to find affordable rates for your car insurance.
If you drive fewer miles, you may also pay less for insurance because you’re less likely to get into an accident.
Here’s what it costs to insure some popular car makes and models with and without Jerry:
Cheapest car insurance in Florida by city
Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
Florida has a number of factors that drive insurance premiums up, starting with a large percentage of uninsured or underinsured drivers. The state is also full of drivers that insurers consider higher risk: students, tourists, and older people.
The weather in Florida also plays a role. Florida is prone to hurricanes and other severe weather that can cause serious vehicle damage and lead to more claims.
These factors all add up to increased risk for insurance companies, which means increased premiums for everyone.
Additional ways to lower your car insurance
To get cheap car insurance, you may want to consider raising your deductible. When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance kicks in to cover the remaining balance. If you increase your deductible, this could lower your premium—but be aware that this means you’ll incur higher initial out-of-pocket costs in the event of an accident.
It’s also a good idea to update your car insurance to reflect any major life changes that have occurred since you received your last auto insurance quote. For example, if you’ve gotten married, you may be offered lower rates because married people are perceived to be safer drivers. Or if you’ve moved to a rural area, you may qualify for reduced rates because you’re less likely to get in an accident and file a claim.
It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.
Want to find out if you’re overpaying? Let Jerry do the work for you.
Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last six months.
Look Out for the Electric Popemobile from Fisker
There have been plenty of different Popemobiles over the years. However, the new all-electric Popemobile from Fisker is a true game changer.
Jun 07, 2021
Does the Play Set Come With a House When Sold?
Play sets are sometimes included in a home when sold, and sometimes not. Here's what you need to know.
Jan 20, 2021
Browse questions from our car experts
What's the best roadside assistance program?
Who offers the best roadside assistance program? I just moved to Chicago and I'm looking for a good roadside assistance program, but I can't find much information.
Jun 23, 2021
What are the limits on Kia's roadside assistance program?
How often can I use roadside assistance with my Kia? I just got a new Kia and had to call for a tow. Did I use all my benefits for the year?
Jun 23, 2021
How does roadside assistance work with rental cars?
Do rental car companies have their own roadside assistance programs? I rent vehicles a lot as I don't have my own. I often travel to remote locations for hiking and camping. Should I purchase a separate roadside assistance membership?
Jun 23, 2021
Can a tow truck be held responsible for damages that occurred during towing?
"Will the towing company cover damages to my car from towing? My car was having issues starting so I called a tow truck through my roadside assistance. When the mechanic inspected my car, he told me there was additional damage. He believes it's from improper towing."
Jun 23, 2021
What does Allstate roadside assistance cover?
Will my roadside assistance tow my truck from my driveway? My car is stuck in my driveway and I need it towed.
Jun 23, 2021
Can you use someone else's roadside assistance for towing?
Are we allowed to use someone else's roadside assistance? My boyfriend's mom has roadside assistance. My car stalled while I was with my boyfriend. He said that we should just use his mom's roadside assistance instead of paying out of pocket.
Jun 23, 2021
Frequently asked questions
How much does it cost to use Jerry?
Jerry's services are 100% free of charge. There are no hidden fees and no surprise add-ons at the last minute.
What kind of insurance can Jerry help with?
Jerry currently shops for car, home, renters, and umbrella insurance.
Which insurance companies will I get quotes from?
Jerry shops with up to 45 insurance companies. These include Progressive, Nationwide, Travelers, Mapfre, National General, Mercury, AAA and others. If you want Jerry to shop at any specific companies, just let him know. You can email the member service team at email@example.com or call 1-833-445-3779 (M-F 8am-5pm PT).
Does Jerry mark up the quotes from the insurance companies?
No. Jerry does not mark up the price. The quotes we send to you are the same as those you’d get if you’d shopped yourself.
Will Jerry sell my personal information? Will I be bombarded with phone calls and emails?
Absolutely not. Jerry takes your privacy very seriously. Jerry doesn’t even ask you for your email until you’re ready to switch your insurance to a new company. Jerry does not sell or share your contact information with any external companies. You will not be getting any phone calls or emails. All the communication happens through the mobile app. If you need help, you can request a call from one of our in-house licensed agents, but we don’t call to sell you insurance.
Do I have to wait until my current insurance policy is up for renewal before I can switch?
No, you don’t need to wait until you receive a renewal notice from your current provider. You can switch insurance policies anytime. By law, insurance companies must return any unused premium you have already paid for your policy. A few insurance companies may charge a small cancellation fee if you cancel before the end of the policy. Jerry will let you know the cancellation fee before you decide to switch the policy.
Is Jerry a licensed insurance agent?
Yes, Jerry Insurance Agency (license number 0M34848) is a licensed insurance broker, registered in the state of California. Jerry carries a $1m professional liability policy for your peace of mind.
How is Jerry better than my local agents or the online price shopping sites?
1. Jerry provides quotes from up to 45 insurance companies. Most online price comparison sites (and your local agent) will only provide quotes from a few insurance companies (usually the top 5 or 6 companies, and a handful of smaller brands) with whom they have contracts. You’re more likely to save money with Jerry because we work with top insurance companies.
2. Jerry’s mobile app makes managing your insurance policy a breeze. You can ask questions, upload documents, request changes, and much more. No more phone calls or emails back and forth.
3. With Jerry, you never have to think about insurance shopping again. Jerry will automatically shop you before your renewal date and send you quotes through the mobile app.
Will Jerry change my policy without my approval?
Absolutely not. Jerry will not make any changes to either your existing or your new policy without your approval. Jerry will shop for you before your policy renewal date and show you all your options in the app — it’s up to you to decide if you want to change your policy or not. If you ask Jerry to move forward with a quote you like, only then Jerry will do the paperwork to switch your policy.
Will having Jerry shop for quotes affect my credit score or current insurance rate?
No. Frequent shopping for car insurance quotes does not have an impact on your credit score or the cost of your insurance. In the state of California, a credit check is not required for getting quotes. In other states, insurance companies may run a credit check but it’s a “soft pull,” or fact check, of your credit, as opposed to a “hard pull,” which typically occurs when you apply for credit. Soft pulls, which are used for comparing car insurance rates, do not affect your credit score or rating, no matter how many quotes are obtained.
How can I contact customer service?
You can email the member service team at firstname.lastname@example.org or call 1-833-445-3779 (M-F 8am-5pm PT).