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The average cost of basic liability car insurance in Florida is $2,326 per year. Opting for full-coverage car insurance in Florida will leave you with an average cost of $3,036 per year. In comparison, the national average is $1,627 per year to buy basic liability car insurance and $2,297 per year to buy full-coverage car insurance.
Compare best car insurance quotes in Florida
Your car insurance rates could be dramatically different based on your zip code, age, driving history, and other factors. Different providers consider these factors and use their own unique formulas to determine your car insurance quote. That's why it's so important to comparison shop—you could be missing out on huge savings if you don't.
Here are some real quotes and savings from customers in Florida who switched with Jerry:
Progressive, Allstate, and Nationwide offer some of the cheapest rates on car insurance for Florida drivers. But other auto insurance companies, like State Farm and GEICO, also offer competitive car insurance quotes to car owners in the Sunshine State.
So which is the best car insurance company in Florida? Well, the answer depends—on you!
When you request a quote from a car insurance company, they’ll take all of your information (e.g. credit score, driving history, ZIP code, and motor vehicle type) and feed it into an algorithm that spits out your annual premium with that company. But every company uses a different algorithm—meaning that you could get five totally different quotes from the companies listed above!
The best company won’t be the same for everyone. Maybe your good credit history offsets that pesky speeding ticket according to Nationwide’s algorithm, but your friend in Tampa finds that she gets a better rate from Allstate because she’s already paying for a homeowners policy with them!
Unfortunately, Florida is one of the most expensive states in the nation for auto insurance. These elevated costs are the result of the state's above-average accident rate and the high number of uninsured and high-risk drivers on the roads.
Is $200 a month a lot for insurance in Florida?
In short, it depends. Florida motorists with a clean driving record might be able to find an auto insurance policy for less than $200 a month. But if you’re a high-risk driver with a history of traffic violations or accidents, then $200 per month is pretty reasonable, if not cheap!
How much is a license plate in Florida?
A standard license plate in Florida costs $28 per year. Personalized plates cost an additional $15 per year.
How much does it cost to register a car in Florida?
First-time car registration in Florida costs $225. Then, you’ll pay a registration renewal fee of $14.50 per year if the vehicle weighs 2,499 pounds or less, $22.50 per year if it weighs between 2,400 and 3,499 pounds, and $32.50 per year if it weighs more than 3,500 pounds.
How much does car insurance cost in Florida?
The average cost of car insurance in Florida is higher than the national average for three major reasons: high accident rates, frequent natural disasters, and rampant property crime.
An aging population and tons of tourists are the perfect storm that contributes to Florida’s above-average accident rate. And, speaking of storms, Florida’s hurricane season lasts from June to November, meaning that every auto insurance policy needs to cover a period of heightened risk each year.
Finally, Florida’s property crime problem extends to auto insurance woes. In the Miami-Fort Lauderdale-Pompano Beach metropolitan area alone, police report a rate of 289 vehicle thefts per 100k residents. Add vandalism and other types of property crime into the mix, and insurance companies are understandably anxious about insuring vehicles in the Sunshine State.
One more factor driving up Florida insurance rates is the unusually high number of uninsured drivers in the state. With over 20% of its residents driving without the state minimum insurance coverage level, Florida is among the top ten worst states for uninsured drivers—and the more drivers without insurance, the higher the cost for everyone else.
Okay, all of this might be starting to sound discouraging—but it shouldn’t. Understanding the risk factors that Florida drivers face can help you shop intelligently and find the best rates on the coverage you need.
Here’s a rundown of what you need to know about car insurance in Florida.
In Florida, drivers need $10,000 in personal injury protection (PIP) and $10,000 in property damage liability per accident.
What do you need if you’re pulled over?
If you get pulled over, you are required to show your driver’s license, proof of insurance, and registration. Thankfully, digital insurance ID cards are accepted by police and the DMV so you will always have your stored proof of insurance available 24/7 in the Jerry app.
Is Florida a no-fault state?
Yes, Florida is a no-fault state. This means you must carry personal injury protection (PIP) coverage which immediately pays for injuries to you and your passengers regardless of who is at fault for the accident or if you have health insurance. However, fault, or liability, is still a factor for property damage and bodily injury claims.
Your coverage level also affects the cost of auto insurance in Florida. For any driver carrying a full coverage policy, the graph below breaks down how much of your annual premium goes towards state minimum requirements vs. full coverage.
Take a look at the graph below to understand how much you’re paying for each.
Cheap car insurance for high-risk drivers in Florida
Time for another un-fun fact: Florida has one of the highest DUI rates of any state in the country.
A DUI isn’t just a serious offense that goes on both your driving record and your criminal record—it can also be devastating for your auto insurance premiums, increasing your annual rate by an average of 94%.
Even if you don’t have a major violation like a DUI, smaller offenses can add up significantly. A single speeding ticket probably won’t cause your rate to skyrocket, but two or three in a short period will—and repeated offenses could get you labeled a “high-risk driver” by your insurance company.
Check out the table below to see what Jerry users can save after various violations in Florida.
Teen drivers in Florida pay some of the highest auto insurance rates in the state. That’s because insurance companies see young drivers as a higher risk than old drivers—and because Florida ranks 38th in the nation for teenage driver safety, you can expect to see high rates if you’re under age 25.
But that doesn’t mean it’s impossible to find decent coverage at an affordable rate! Here are a few tips young drivers in Florida can use to find cheap insurance in the Sunshine State.
How can young drivers save money on car insurance in Florida?
Florida’s car insurance rates are some of the highest in the nation, but that’s not true of every ZIP code in Florida.
Congested cities have higher accident rates, which can raise insurance premiums. For example, Miami car insurance costs are higher than those in smaller cities like Lakeland or Naples. Living in a coastal region or an area with a lot of uninsured drivers could also drive your rate up.
The table below shows real rates Jerry customers in different Florida ZIP codes have found.
Conversely, Gainesville is the cheapest city for car insurance in Florida. Drivers in Gainesville can expect average rates of $805 per year.
City With Highest Rates of Accidents in Florida
Gainesville has the highest accident rates in Florida, as 12.42% of drivers in Gainesville already have a prior at-fault accident on their record. This is one factor that can influence insurance rates.
The car you drive also matters when it comes to setting your insurance rate. As a general rule, the higher the MSRP, the higher the insurance bill.
That’s because repairs and replacements for more expensive vehicles cost more—especially if the parts are difficult to find or repairs can only be done at specialized shops.
Let’s take two of Florida’s most popular vehicles—the Toyota Corolla and the Mercedes C-Class—as examples. Toyota Corolla insurance costs are notoriously low, and it’s obvious why: as one of the most popular and affordable vehicles in the country, the Corolla is cheap and easy to fix. Above-average safety and reliability ratings also make this compact car a darling for insurance companies.
The C-Class is a different story. You won’t see as many of these on the road, in part because of the $44,000 starting price (that’s double the Corolla’s starting MSRP). Because parts are costlier and harder to find—especially for older models—insurance claims (and costs) for the C-Class are likely to be higher.
Do you need more than the minimum car insurance in Florida?
Most states have minimum insurance requirements that you must meet to hit the road.
But meeting the mandatory minimums is just the start. Florida’s required liability insurance will only cover damage to other vehicles if you’re in an at-fault accident—without collision or comprehensive insurance, your own vehicle is up to you to fix.
While PIP coverage will pay for your medical expenses (and those of any passengers), you could be hit with a major legal suit if you’re responsible for another driver’s injuries unless you also purchase bodily injury liability coverage. And if you happen to be in an accident with one of the 20% of Florida drivers with no liability coverage at all? Well—you’re out of luck.
That’s why most experts recommend that Florida drivers carry full-coverage car insurance. That typically refers to a policy that includes:
While driving without these types of insurance isn’t illegal, it leaves you open to some serious financial trouble. Take a look at the features below to see all the types of coverage Florida drivers should consider.
Florida ranks 44th for traffic and infrastructure. Due to high amounts of traffic and poor road infrastructure, it’s more likely that you’ll be involved in an accident on Florida’s roads. Protect you and your car with collision coverage.
Florida drivers rank their roads a 5.73/10. With such poor road quality, it’s a good idea to get roadside assistance in case bad road conditions leave you stranded.
How to get the cheapest car insurance in Florida
Despite facing rates higher than the national average, drivers in Florida can still find ways to save.
Shop around for quotes
You've heard it before: comparing multiple quotes is the best way to find car insurance savings.
But car insurance shopping doesn't have to be a one-and-done—in fact, insurance experts agree that it's a good idea to shop for better rates and better coverage every six months.
Look for discounts
Discounts are another easy way to save money on your car insurance premiums. While they might not be readily advertised, discounts are offered by almost every provider. It doesn’t hurt to ask your agent what you qualify for.
Here are some popular discounts in Florida:
Clean Driving Record Discounts
People with clean driving records don’t make claims as often and are less likely to be in an accident. Because of this, insurance companies will give drivers with clean driving records discounted rates.
Customers who bundle multiple kinds of insurance, such as car, home, and renters, are eligible for bundling discounts.
Defensive Driving Discounts
According to state law, Florida drivers age 55+ get an insurance discount for completing an approved defensive driving course.
Married drivers are statistically less likely to be in an accident. If you’re a married driver, you could get discounted insurance rates.
Increase your deductible
You can save more money each month if you increase your deductible—the money you’d pay out of pocket in the event of a claim.
If you think you won’t need to make a claim, this could be a good way to save each month, but you need to be positive you can afford to pay the full deductible in the event of a claim.