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.
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
Coverage to Consider
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 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:
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.
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.
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.
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%.
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:
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.
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.