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Cheapest Car Insurance in Florida (Mar 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Florida.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How to find the cheapest car insurance quotes in Florida

At Jerry, we understand that finding the right
car insurance
coverage can be challenging. That's why we've created a platform that makes it easy for customers in Florida to compare
free car insurance quotes
from various insurers quickly and hassle-free. No matter what your driving history or budget is, Jerry can help you find affordable and reliable car insurance coverage.
Check out these real quotes from real Jerry users below!
Insurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Safeco
$117
Chevrolet Camaro LS
• State Minimum Liability
• Comp / Collision
Travelers
$154
Jeep Wrangler Unlimited Sport
• 50,000/100,000 Liability
• Comp / Collision
Allstate
$89
Toyota Corolla CE
• 50,000/100,000 Liability
Mercury
$84
Toyota 4runner SR5
• 100,000/300,000 Liability
Infinity
$556
Nissan Sentra SR Turbo
• State Minimum Liability
• Comp / Collision
coverageLast Updated Mar 14, 2024

Cheapest car insurance companies in Florida

Looking for the cheapest car insurance rates in Florida? Jerry has conducted the largest insurance shopping survey in the nation to help figure it out.
State Farm is often cited as the cheapest car insurance company in Florida—but customers in our survey rated it 3.4 out of 5 for cost, with some customers praising their good rates and others reporting that they were overcharged and saw their rates increase frequently. 
State Farm, GEICO, Progressive, Allstate, USAA, and Liberty Mutual have the largest market shares in Florida—but that doesn’t mean they’re the cheapest option for every driver. In fact, Jerry’s survey revealed that Assurance America and Safeco are two of the best-rated insurers in Florida. 
Insurance companyDateCost rating (out of 5)What our customer said:
First Acceptance
March 14, 2024
3
"NA"
-Frederick
Assurance America
March 8, 2024
5
"Assurance America makes it very simple & easy to set up insurance."
-Cole
Allstate
March 7, 2024
5
"Very good service and fast "
-Charlotte
Aspire Advantage
March 2, 2024
4
"Got to speak with a person pretty quickly and I was off the phone within 10 mins. Didn't put me on hold and answered ...(read more)"
-Eleanor
AAA
March 1, 2024
5
"I have paid my Plus Membership for over 20 years and after paying all these years I needed to use this service when I...(read more)"
-Louise
coverageLast Updated Mar 14, 2024
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
If you're looking for a hassle-free way to compare car insurance quotes in Florida, the easiest and fastest method is to use a car insurance comparison app or website.
Jerry offers a free app that simplifies the process of comparing car insurance quotes. With Jerry, you can get multiple quotes from various insurers in just minutes. What's more,
Jerry's 100+ licensed insurance agents
are available to provide end-to-end service and answer any questions you may have.

Minimum liability and full coverage in Florida

Every driver in Florida is required to have minimum
personal injury protection (PIP)
and
property damage liability (PDL)
coverage to legally drive a car, but in most cases, it’s a good idea to opt in for full coverage insurance. 

Cheapest minimum liability coverage car insurance quotes in Florida

Under
Florida’s car insurance laws
, the minimum liability coverage required in the Sunshine State is $10,000 for property damage liability (PDL) coverage, along with $10,000 of PIP coverage.
Florida requires PIP and PDL coverage due to its status as a
no-fault state
. In no-fault states, regardless of who is at fault for an accident, each driver's auto insurance company pays for their own policyholder's medical expenses, lost wages, and other related costs up to a certain limit through PIP. 
Full coverage, which includes
comprehensive
and
collision coverage
in addition to liability coverage, is an optional but recommended coverage that provides essential protection for your vehicle.
Here are some examples of Florida car owners that Jerry recently assisted with obtaining minimum liability coverage.
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Jane (27 years old)
$330
per month
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Linnie (39 years old)
coverageCoverage
State Minimum
$117
per month
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Jeffery (25 years old)
coverageCoverage
State Minimum
$414
per month
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Blake (52 years old)
coverageCoverage
State Minimum
carJeep Grand Cherokee Laredo
$170
per month
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Gainsco
Antonio (42 years old)
coverageCoverage
State Minimum
carVolkswagen Jetta S
$179
per month
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Mamie (28 years old)
coverageCoverage
State Minimum
$541
per month

Do you need more than minimum coverage in Florida?

Most drivers in Florida need higher liability coverage than the state's minimum requirements.
In the event of an at-fault accident, you could be held financially responsible for medical bills and vehicle repairs that exceed the minimum coverage limits. For instance, if you cause serious injuries to another person, the medical bills alone can easily surpass $10,000—and because Florida doesn’t require
bodily injury liability insurance
, you could be at risk of serious lawsuits if the other driver’s PIP runs out. If the car is totaled, the replacement cost can be significantly more than the $10,000 covered by Florida’s minimum PDL.
Florida’s car accident laws
allow drivers to file personal injury lawsuits up to four years after a crash, so having the right liability insurance is key. 
It's a good idea to consider liability coverage with higher limits, such as 50/100/50 or 100/300/100, which provide greater financial protection in case of an at-fault accident. These numbers refer to the coverage limits in thousands of dollars for bodily injury liability per person, bodily injury liability per accident, and property damage liability per accident, respectively.
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Cheapest full coverage car insurance quotes in Florida

Full coverage car insurance
is essential to protect yourself from costs associated with repairing or replacing your car. In Florida, full coverage typically includes collision and comprehensive coverage. Collision insurance covers the cost of fixing or replacing your car after an accident, while comprehensive pays if your car is stolen or damaged by something other than a collision, such as fire, theft, or natural disasters.
If you finance or lease your car, your lender will typically require collision and comprehensive coverage. It's also recommended to have full coverage if your car is worth more than $3,000, even if it's paid off.
Insurance CoverageInsurance CompanyPremium (monthly)CustomerCar
• 50,000/100,000 Liability
• Comp / Collision
Progressive
$237
Chevrolet Sonic LT
• State Minimum Liability
• Comp / Collision
Safeco
$117
Chevrolet Camaro LS
• 50,000/100,000 Liability
• Comp / Collision
Travelers
$154
Jeep Wrangler Unlimited Sport
• 100,000/300,000 Liability
• Comp / Collision
Nationwide
$81
Nissan Altima 2.5
• 25,000/50,000 Liability
• Comp / Collision
AAA
$150
Honda CR-V EXL
coverageLast Updated Mar 13, 2024

Average rates for state minimum liability coverage and full coverage

Based on our experience working with thousands of Florida insurance policyholders, minimum liability coverage costs an average of $160 per month or $1,916 per year, while full coverage insurance costs an average of $226 per month or $2,676 per year.
It's important to note that insurance premiums are calculated based on various factors such as the type of car you drive and your driving record, claims history, and demographics. While average insurance rates in Florida can give you an idea of the cost, the actual amount can vary significantly from one driver to another.

Florida car insurance: Additional coverages

Additional types of car insurance coverage to consider in Florida include:
  • Medical payments
  • Uninsured motorist coverage / underinsured motorist coverage
  • Towing and labor/
    roadside assistance
  • Rental reimbursement coverage
If you have a loan on a recently purchased car, you should also consider gap insurance, which covers the difference between the car's value and the amount you owe if it is totaled or stolen.
If you don't own a car and instead rent or borrow one, you may need
non-owner car insurance
. This type of insurance provides liability coverage for bodily injury and property damage if you are at fault in an accident, but it does not cover damage to the vehicle you are driving or your own injuries.

Car insurance premium by rating factors

Auto insurance premiums in Florida are
determined by various factors
, including:
  • Driving record and claims history: Insurance carriers may charge higher premiums if you have a history of accidents or traffic violations on your driver profile.
  • Vehicle location: Rates may be higher if you reside in a city or certain ZIP codes.
  • Vehicle type: Luxury, high-performance, and sports cars typically have higher collision and comprehensive coverage rates.
  • Usage: If you use your car for work, your annual premium may be higher than if you only use it for leisure.
  • Credit score: Drivers with higher credit scores typically pay lower insurance premiums for the same coverage.

How different factors impact your car insurance costs in Florida

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Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
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Prohibited (or effectively prohibited): Florida currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more abut the car insurance rating factors in Florida:

Florida car insurance rates after a driving violation

Your driving history can have a significant impact on your car insurance rates. Insurance companies in Florida consider drivers with a history of violations to be high-risk, resulting in higher premiums.

Cheapest car insurance for Florida drivers with a speeding ticket

In Florida, there are varying degrees of speeding, with different penalties for each:
1-5 MPH over limit: No points on license
6-9 MPH over limit: 3 points on license
10-14 MPH over limit: 3 points on license
15-19 MPH over limit: 4 points on license
20-29 MPH over limit: 4 points on license
30 MPH or more over limit: 4 points on license and mandatory court appearance
Receiving a speeding ticket can impact your car insurance rates—and the harsher the offense, the harsher your premium increase will be. However, Jerry has helped drivers with varying speeding tickets save on car insurance.
Speeding TypeInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Speeding 1-5
Progressive
$139
• State Minimum Liability
Speeding 6-10
Safeco
$208
• 100,000/300,000 Liability
• Comp / Collision
Speeding 11-15
Safeco
$257
• 50,000/100,000 Liability
Speeding 16-20
National General
$240
• 50,000/100,000 Liability
• Comp / Collision
Speeding 21+
AAA
$282
• 15,000/30,000 Liability
• Comp / Collision
coverageLast Updated Mar 13, 2024

Over 3,500,000 customers and counting

We love saving our customers money. Turns out, they love it too! Check out what real users have to say about their switch with Jerry below. Not convinced? Visit our reviews page for more!
Gainsco
Gainsco has given the cheapest price on vehicle insurance as well as kept their word on the quote.
Anna
Bristol West
Simple, easy, and inexpensive. Great experience!
Mela
Progressive
Such a cheap deal for quality insurance. Would definitely recommend.
Standia
Assurance America
The price is great. Couldn't believe it!
Sean

Cheapest auto insurance in Florida after a DUI

In Florida,
a DUI conviction
can have a significant impact on your car insurance rates. Insurance companies often view DUI offenders as high-risk drivers, which can result in higher premiums.
If you have a DUI on your record, it's important to shop around and compare rates from multiple insurance companies to find the most affordable option. Jerry can help you find the best rates for auto insurance even after a DUI conviction.
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Minerva (48 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$496
per month
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Rodney (43 years old)
DUI
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carGMC Yukon
$102
per month
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Fannie (30 years old)
DUI
coverageCoverage
State Minimum
$218
per month
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Virgie (36 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carChrysler Town & Country Touring
$275
per month
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Robert (47 years old)
DUI
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carDodge Journey GT
$241
per month
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Genevieve (26 years old)
DUI
coverageCoverage
No Coverage
carSaturn SC1
$237
per month

Florida SR-22 insurance

In Florida,
an SR-22 filing
may be required if you have committed a serious violation such as driving under the influence (DUI) or driving without insurance. An SR-22 is a legal document that certifies that you have the minimum required liability insurance as mandated by Florida law.
Other situations that may require an SR-22 in Florida include:
  • Being at fault in an accident and not having insurance or insufficient insurance to cover the damages
  • Accumulating too many points on your driving record due to traffic violations
  • Having your driver's license suspended or revoked for any reason, including DUI, reckless driving, or being involved in a hit-and-run accident
If you need an SR-22 in Florida, you'll need to contact an insurance company that offers this service. They will file the SR-22 on your behalf with the Florida Department of Highway Safety and Motor Vehicles. It's important to note that an SR-22 may result in higher insurance premiums due to the high-risk nature of the violations that typically require it.

Cheapest Florida auto insurance after an at-fault accident

Your car accident or claim history is one of the crucial factors that affect your car insurance rates. Insurance companies look at any past accidents where you were at fault to determine the level of risk you pose to your insurer.
If you have been involved in an at-fault accident in the recent past, your car insurance rates in Florida could significantly increase when your policy is up for renewal. It is essential to shop around and compare rates from different insurers to find the cheapest auto insurance after an at-fault accident.
Accident TypeInsurance CompanyPremium (monthly)CustomerInsurance Coverage
At Fault With Injury
Progressive
$164
• State Minimum Liability
At Fault With No Injury
Safeco
$185
• 100,000/300,000 Liability
• Comp / Collision
Not At Fault
AAA
$165
• 25,000/50,000 Liability
• Comp / Collision
At Fault With No Injury
Travelers
$147
• 50,000/100,000 Liability
• Comp / Collision
At Fault With Injury
National General
$240
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Mar 19, 2024

FAQ

Yes, Florida is a no-fault state. This means that state law requires drivers to carry personal injury protection (PIP) insurance, which covers their own medical expenses and lost wages regardless of who caused the accident. In Florida, drivers are required to carry a minimum of $10,000 in PIP coverage along with $10,000 in property damage liability coverage.
However, it's important to note that in certain cases, such as accidents resulting in serious injuries, drivers may still be able to pursue a claim against the at-fault driver for additional damages beyond what their PIP coverage provides.
The minimum car insurance required for all Florida drivers is $10,000 of property damage liability insurance and $10,000 of personal injury protection. All other coverage, including collision, comprehensive, and bodily injury liability insurance, is optional. 
Most drivers in Florida need full coverage car insurance. This typically includes liability limits of at least $50/$100/$50 along with enough collision and comprehensive insurance to cover the actual cash value of your vehicle.
As of June 2023, Florida doesn’t have any new auto insurance laws—but state legislators have proposed doing away with the no-fault car insurance system, requiring drivers to purchase bodily injury liability insurance instead of personal injury protection. If accepted, the bill would take effect in 2024. 

Cheapest auto insurance after other violations in Florida

Apart from speeding tickets and DUIs, there are several other violations that can lead to an increase in car insurance costs in Florida, including
careless driving
, driving without a license, and
reckless driving
.
We’ve compiled a list of various other driving violations and how we helped drivers with these violations save on their car insurance. 
ViolationInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Careless Driving
Progressive
$289
Nissan Kicks S
• No Coverage Liability
• Comp / Collision
Cell Phone
Bristol West
$348
Honda Odyssey EXL
• No Coverage Liability
• Comp / Collision
Defective Equipment
AAA
$282
Honda Accord Sport
• 15,000/30,000 Liability
• Comp / Collision
Driving on Sus. License
Travelers
$193
Ford Flex Limited
• 100,000/300,000 Liability
DUI
Mercury
$241
Dodge Journey GT
• 100,000/300,000 Liability
• Comp / Collision
Eluding Police
Safeco
$240
Hyundai Sonata SE
• State Minimum Liability
• Comp / Collision
Failure to Stop
Progressive
$528
Toyota Corolla SE
• 50,000/100,000 Liability
• Comp / Collision
Homicide
Bristol West
$591
Lincoln MKX Reserve
• 100,000/300,000 Liability
• Comp / Collision
Illegal Turn
Mercury
$91
Honda Civic HX
• State Minimum Liability
Improper Passing
Allstate
$368
Honda Accord Sport
• 50,000/100,000 Liability
• Comp / Collision
Leaving scene of an Accident/Hit and Run
National General
$257
Toyota Corolla
• State Minimum Liability
• Comp / Collision
Open Container
Safeco
$66
GMC Sierra K2500 Heavy Duty
• State Minimum Liability
Passing School Bus
Progressive
$225
Nissan Versa SV
• No Coverage Liability
• Comp / Collision
Racing/Drag Racing
Progressive
$218
Nissan Altima 2.5
• State Minimum Liability
• Comp / Collision
Reckless Driving
Gainsco
$145
BMW 330 i
• No Coverage Liability
Seat Belt
Infinity
$237
Chrysler 200 S
• State Minimum Liability
Speeding 16-20
Clearcover
$61
Chevrolet Impala LT
• 25,000/50,000 Liability
Speeding Violation-Minor
Nationwide
$137
Mazda CX-5 Sport
• 100,000/300,000 Liability
• Comp / Collision
Suspension
Travelers
$176
Honda Civic LX
• 100,000/300,000 Liability
Wrong Way/Wrong Lane
Bristol West
$220
Volkswagen Jetta S
• No Coverage Liability
Other Minor
Plymouth Rock
$204
Chevrolet Equinox LT
• 25,000/50,000 Liability
coverageLast Updated Mar 19, 2024

Cheapest Florida auto insurance based on insurance history

Your insurance history is an important factor that affects your car insurance rates. If you've had a
lapse in coverage
or you're currently uninsured, it can lead to higher car insurance rates.
To help our customers avoid a lapse in coverage and make payments on time, Jerry sends payment reminders to eligible customers when a payment is due or if they're late on their payments.
We've helped many customers in Florida who are currently uninsured or have had a lapse in coverage find affordable insurance options.
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Ian (71 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$111
per month
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Gregory (24 years old)
Not Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$201
per month
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Micheal (30 years old)
Currently Insured
coverageCoverage
State Minimum
$191
per month
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Russell (32 years old)
Not Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$218
per month
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Sara (51 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$240
per month
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Dorothy (26 years old)
Not Currently Insured
coverageCoverage
No Coverage
$159
per month

Cheapest auto insurance for Florida drivers with poor credit

In Florida, drivers with poor credit scores may face higher car insurance costs than those with good credit. While your credit rating doesn't necessarily reflect your driving ability, insurance companies have found a correlation between lower credit scores and higher claim filings.
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
> 750
Progressive
$193
Nissan Rogue S
• State Minimum Liability
• Comp / Collision
660 - 750
Safeco
$100
Hyundai Sonata GLS
• 50,000/100,000 Liability
550 - 659
Safeco
$197
Volkswagen Jetta SE
• 100,000/300,000 Liability
• Comp / Collision
< 550
Plymouth Rock
$288
Nissan Rogue S
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Mar 13, 2024

Cheapest Florida car insurance by age

Young drivers typically have limited driving experience and are therefore considered high-risk by insurance companies, resulting in high insurance rates. However, when drivers reach the age of 25, they may see a drop in their rates. 
On the other hand, drivers over the age of 75 may see an increase in their rates due to potential health issues and slower reflexes.

The best car insurance in Florida for young drivers

In Florida, young drivers between the ages of 16 and 21 pay higher insurance premiums than other age groups. 
Full coverage insurance is recommended to provide better financial protection for teen drivers who drive newer vehicles.
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Elnora (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
$157
per month
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Lula (23 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carJeep Grand Cherokee Limited
$265
per month
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Effie (23 years old)
coverageCoverage
State Minimum
$272
per month
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Julia (20 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carMitsubishi Outlander Sport ES
$249
per month
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Rhoda (23 years old)
coverageCoverage
State Minimum
$185
per month
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Lillie (22 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationWelaka, FL
$292
per month

Cheapest Florida car insurance for senior drivers

Car insurance rates start to rise once you get into your mid-70s. Car insurance rates for seniors tend to be higher for several reasons. Older drivers are more susceptible to being involved in accidents and more prone to severe injuries in the event of a collision, leading to significant medical expenses and increased costs for insurance providers.
In Florida, drivers over the age of 55 can take a Mature Driver Course to refresh their driving skills and qualify for a
car insurance discount
. Additionally, senior drivers can also look for car insurance companies that offer specialized coverage options for seniors, such as discounts for low annual mileage or safe driving habits.
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Lulu (68 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$133
per month
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Maggie (69 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carToyota Scion IA
$99
per month
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Austin (65 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationTavernier, FL
$112
per month
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Mable (73 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$197
per month
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Virgie (67 years old)
coverageCoverage
State Minimum
$75
per month
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Gainsco
Emma (77 years old)
$95
per month

Over 3,500,000 customers and counting

We’ve earned an App Store rating of 4.7 stars for all we do to make car ownership easier.
Progressive
A+ service
Colleen
Gainsco
Great company that cares about its customers.
Sam
Safeco
Jerry has made it easy and Safeco has made it safe!
Grant
Progressive
This is a great company, with great prices!
Rafael

Florida cheapest car insurance by location

Where you keep your car is a crucial factor that car insurance companies consider when calculating your premium.
Factors like population density, accident rates, crime statistics, and weather can all affect your insurance costs. In Florida, insurance premiums can also vary within the same city for different zip codes.
Take a look at how Jerry helped drivers in different cities in Florida with their insurance needs.
CityCustomerInsurance CompanyPremium (monthly)CarInsurance coverage
Tamarac, FL
Josephine, 24
Progressive
$224
Nissan Versa S
• No Coverage Liability
Plantation, FL
Tyler, 50
Travelers
$397
KIA Stinger GT2
• 100,000/300,000 Liability
• Comp / Collision
Tampa, FL
Max, 43
Safeco
$185
Audi Q7 Prestige
• 25,000/50,000 Liability
• Comp / Collision
Clearwater, FL
Janie, 44
Allstate
$89
Toyota Corolla CE
• 50,000/100,000 Liability
Orlando, FL
Isabel, 56
Bristol West
$142
KIA RIO EX
• No Coverage Liability
Ocala, FL
Blake, 24
Assurance America
$231
Toyota 4runner SR5
• State Minimum Liability
• Comp / Collision
Jacksonville, FL
Cameron, 27
The General
$487
Nissan Sentra SR Turbo
• No Coverage Liability
• Comp / Collision
coverageLast Updated Mar 17, 2024

How to lower the cost of car insurance in Florida

If you're looking to save money on car insurance in Florida, here are some tips recommended by Jerry’s team of licensed insurance agents:
  1. Shop around and compare auto insurance quotes from different companies.
  2. Bundle your car insurance with other policies, such as homeowner's insurance, for a multi-policy discount.
  3. Look for discounts you may be eligible for, such as safe driver discounts, low mileage discounts, and discounts for safety features like anti-theft devices.
  4. Consider raising your deductible for comprehensive and collision coverage.
  5. Improve your credit score.
  6. Take a defensive driving course to potentially earn a discount.
  7. Consider dropping collision and comprehensive coverage on older vehicles that may not be worth the cost of coverage.

Why is car insurance so expensive in Florida?

Car insurance rates in Florida can be higher than in other states due to several factors, including:
  • High population density
  • A significant number of uninsured drivers
  • Expensive healthcare costs
  • The state's high number of highways and interstates
  • High rates of car theft and insurance fraud
  • Vulnerability to natural disasters such as hurricanes and floods

FAQs

The average car insurance cost for minimum coverage in Florida is $160 per month and $1,916 per year. The average cost for full coverage insurance in Florida is $226 per month and $2676 per year. 
Yes, car insurance is legally required in Florida. The state's minimum car insurance requirements include $10,000 in personal injury protection (PIP) coverage and $10,000 in property damage liability (PDL) coverage. 
It's important to note that driving without car insurance in Florida can result in penalties, fines, and even the suspension of your driver's license.
The cheapest car insurance in Florida is different for every driver, since auto insurance rates are based on driver profile factors including age, driving record, insurance history, credit score, ZIP code, and vehicle type. 
Yes. In Florida, you will need to show proof of insurance to register a car. Additionally, you will need a title to the vehicle, a completed application for certificate of title with/without registration, proof of Florida insurance, and a VIN verification, which can be done with a Florida DMV agent or a licensed Florida motor vehicle dealer.
Depending on your situation, you may also need to provide other documents, such as a power of attorney or an out-of-state title. It's best to check the Florida DMV website or contact them directly to ensure you have all the necessary documents before attempting to register your car.
There are several reasons why your car insurance rates may have gone up in Florida. Here are some common factors:
  1. Increase in accidents: If there has been an increase in accidents in your area, your insurance rates may go up.
  2. Higher repair costs: If the cost of repairing vehicles has gone up in your area, insurance companies may raise their rates to cover these costs.
  3. Traffic violations or accidents: If you have had a recent traffic violation or accident, your insurance rates may go up as you are considered a higher risk driver.
  4. Changes in credit score: Your credit score can also affect your car insurance rates. If your credit score has dropped, you may see an increase in your premiums.
Yes, you can have out-of-state car insurance in Florida, but it must meet the minimum coverage requirements for Florida. If you move to Florida, you must obtain a Florida auto insurance policy that meets the state's minimum coverage requirements within 10 days of establishing residency. 
Yes. If you are granted express permission to drive from the owner of the vehicle, their policy should cover you in the event of an accident, as long as you are not an excluded driver on their policy.
Car insurance follows the car
, not the driver, in most circumstances. 
In most cases, no. All legitimate car insurance companies require a valid Florida driver’s license number in order to sell a policy. However, there are a few special cases where you may be able to set up your car insurance policy without a current license—check out Jerry’s guide to
car insurance without a license
to learn more.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our Experts

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R.E. Fulton
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Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
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Lina Zhang
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Licensed Insurance Agent
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Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
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Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.