Car Insurance in Florida

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Florida residents see insurance rates that are higher than a majority of the country—in part because of high accident rates, rampant property theft, and propensity for natural disasters. Even still, Jerry can help drivers in Florida save money on car insurance.
While Miami’s beaches have idyllic ocean views and Orlando is a prime destination for family fun, Florida is not known for low car insurance rates.
Florida drivers have some of the highest accident rates in the country, and an influx of tourists contributes to crowded freeways. Not to mention Florida’s frequent hurricanes, which can cause auto damage. All of these factors impact the state’s car insurance premiums.
However, location is just one factor considered in your car insurance rates. Car insurance carriers also take your age, driving history, and other features into account.
Jerry is here to help you sort through all of your car insurance needs. Jerry is a car super app that will help you find the cheapest car insurance prices. It takes less than a minute to sign up, and Jerry will provide you quotes from over 50 top insurance providers. Most Jerry users save $879 per year on car insurance.
Need more proof? Here are some real quotes and savings from customers in Florida who switched with Jerry:
Quote DateCarCityNameAgeCarrier
Before Jerry
After Jerry
May 17, 2022Mercury Grand Marquis GSOrlandoAmelia J.35Safeco$115/mo.$86/mo.
May 15, 2022Nissan Juke SRiviera-BeachAdelaide S.31Progressive$130/mo.$100/mo.
April 25, 2022Nissan Sentra SLeesburgLola B.43National General$215/mo.$155/mo.
May 3, 2022Dodge Magnum SXTTampaTyler J.44Progressive$195/mo.$161/mo.
May 2, 2022Mitsubishi Mirage ESTallahasseeJohanna L.55Safeco$311/mo.$172/mo.
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How much does car insurance cost in Florida?

The average cost of liability-only car insurance in Florida is $2,234 per year. If you prefer to buy full coverage car insurance in Florida, you can expect to pay an average cost of $2,770 per year.

How does the cost of car insurance in Florida compare to the rest of the country?

Compared to nationwide averages, it costs $1,626 per year for liability-only car insurance and $2,298 per year for full-coverage car insurance.
Why are Florida car insurance rates so high? Here are some of the factors:
  • Crowded interstates: Florida cities are known for congested roads, and the state gets many tourists all year—the proliferation of cars on the road can lead to more accidents
  • Auto theft: Florida has some of the highest auto theft rates in the country
  • Inclement weather: Florida is known for its tropical storms which can cause automobile damage
Here’s how Florida insurance rates compare to nationwide averages:
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
National Average$2,436$1,660$2,296$1,376$2,654$1,962
FLNational Average
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
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Top auto insurance providers in Florida

Many top car insurance companies serve drivers in Florida. Popular providers in Florida include Geico, Travelers, and State Farm. Residents of Florida often opt for policies with these carriers because of their quality service, accessibility, and affordable rates.
However, you might find that a different provider has better rates for you.
Premiums are set based on each company’s individual formula, so you could see drastically different quotes from each company—even for identical coverage. Florida insurance carriers consider things like age, location, driving history, marital status, and more when determining your prices.
Your rates are also contingent on the type of car you drive. Top-selling cars, like Toyota Corollas, will have lower insurance prices because of their lower base prices and affordable replacement parts. However, those Florida drivers who opt for a luxury vehicle, like the Mercedes-Benz S Class, will have higher insurance rates because of the higher base price of the vehicle.
Jerry works with drivers in Florida to find the best deals—no matter their backgrounds. Here are some of the best savings for Jerry users in Florida:
Insurance Company
Average Cost
Annual Savings with Jerry
Clearcover$2,884$1,218Compare Prices
Kemper$2,833$1,150Compare Prices
Dairyland$4,122$1,135Compare Prices
State Auto$2,961$1,046Compare Prices
National General$3,339$969Compare Prices
Safeco$2,962$880Compare Prices
Nationwide$2,550$744Compare Prices
Travelers$2,833$718Compare Prices
Allstate$3,060$708Compare Prices
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What car insurance do you need in Florida?

Drivers in Florida need to prove financial responsibility by carrying minimum liability insurance before hitting the road. This coverage includes the following:
Personal Injury Protection$10,000Covers the costs associated with any bodily injuries
Property damage liability$10,000 per accidentCovers the costs associated with the damage you cause to other people’s vehicles or property
You could face penalties if you are caught driving without insurance, including:
  • License suspension of up to 3 years for a first offense
  • $150 reinstatement fee
Florida is a no-fault state, which means your personal injury insurance will cover any injuries you suffer in the event of an accident. As such, Florida residents don’t need to carry bodily injury insurance. However, the required property damage liability covers other cars—it won’t protect you or your vehicle—so it’s a good idea to carry more coverage.
Here are some recommended policies for Florida drivers:
Collision insuranceCovers damages that are the result of a collision with a vehicle or stationary object
Comprehensive insuranceCovers damages that aren’t the result of a collision, such as vandalism, theft, or a natural disaster
Roadside assistanceCovers the costs associated with a breakdown
Whether you opt for basic liability insurance or choose to get more coverage, Jerry can help you find the best prices for the policy you want.
After a quick sign-up, Jerry compares quotes from the top name-brand insurance companies. Choose a policy, and Jerry will help you get registered. Jerry will even send you new quotes every time your policy is up for renewal—so you know you’re always paying the lowest price.
Now that you know what insurance you need, here are things to consider about insurance in Florida.

How is your cost of car insurance determined in Florida?

Carriers in Florida consider multiple aspects when setting your insurance rates, including your age, driving history, and specific zip code.
What young drivers in Florida need to know
  • Young drivers in Florida pay much more than the national average in part because of the high accident rate for that demographic
  • Taking a defensive driving course can help young drivers save money on their premiums
  • Drivers under 25 who keep a B average or higher may qualify for a good student discount
Florida drivers under 25 see some of the highest rates for car insurance in the country, but it’s not impossible to save money! By applying for discounts, shopping around, and maintaining a clean driving record, young drivers can keep rates as low as possible.
Jerry works with young drivers in Florida to get the most affordable car insurance prices. Here are the average rates for drivers by age:
Age Group
Average Cost
Annual Savings with Jerry
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Cost to insure your car in Florida with a poor driving record

Insurers put a lot of weight on your driving record when determining your future car insurance rates. If you’ve been in an accident, gotten a speeding ticket, or had a DUI or other major driving offense, you will pay more for your Florida car insurance rates.
Motorists who have a record of driving incidents will be considered high-risk by providers and thus have to pay higher insurance premiums.
Nevertheless, drivers with less-than-perfect records can save money by shopping with Jerry.
These are some of the best prices drivers with blemished driving records have received after shopping with Jerry:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,932$823
Seat Belt$4,299$1,609
Eluding Police$5,460$1,461
Illegal Turn$4,114$1,394
Driving on Sus. License$4,227$1,299
Improper Passing$4,130$1,299
Defective Equipment$3,876$1,246
Leaving scene of an Accident/Hit and Run$3,706$1,224
Speeding over 15$3,962$1,179
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Cost to insure your car in Florida based on where you live

Florida’s car insurance rates are some of the highest in the nation, but that’s not true of every zip code in Florida.
Drivers who live in Miami, Jacksonville, or St. Petersburg may see higher-than-average car insurance rates, but residents of smaller cities like Lakeland or Naples could pay quite a bit less.
These are the most affordable rates we’ve found for Jerry customers who live in Florida:
Average Cost
Annual Savings with Jerry

Cost to insure your car in Florida based on the type of car you drive

Your vehicle also will impact the rates you pay for car insurance. As a general rule, pricier cars will cost more to insure simply because they cost more.
For example, the Toyota Camry is a popular choice for many Florida residents. Because of the car’s relatively low initial cost, high marks for safety and reliability, and relative affordability of repairs, insurance for a Camry will be on the cheaper side.
However, Florida residents that prefer a flashy set of wheels—like a Land Rover Range Rover—could see that reflected in their car insurance prices. Larger cars are often more expensive to insure because their parts cost more, and they could need special service—which could end up costing the insurance company a pretty penny.
Here are typical rates for some of the most popular vehicles in Florida with and without Jerry:
Average Cost
Annual Savings with Jerry
Nissan Altima 2.5$2,685$1,790
Kia Soul$2,747$1,722
Toyota Corolla L$2,721$1,700
Hyundai Elantra SE$2,732$1,522
Honda Civic LX$2,480$1,482
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How to save money on car insurance in Florida

Despite facing rates higher than the national average, drivers in Florida can find ways to save.

Shop around for quotes

Perhaps the easiest way to save money on car insurance is to compare quotes from multiple providers.
However, this can take a lot of time if you’re planning on doing this on your own. You could find yourself buried under piles of paperwork or stuck on long phone calls with insurance agents. Fortunately, Jerry, can do all of that for you!
Jerry is the super app that helps you save time and money on your car expenses, including insurance. Jerry will find quotes from over 50 top insurance providers in no time at all. Choose the policy that meets your needs, and Jerry will take care of the rest—including filling out paperwork and making phone calls. Jerry will even assist you in canceling your old policy.
Most Jerry users save nearly $900 per year on car insurance.

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:
DiscountWho is eligible?
Good driver discountsDrivers in Colorado are eligible for good driver discounts if they have a good record and have made no insurance claims. This discount is mandated by state law and saves drivers between 10-%-30% on their car insurance premium.
Bundling discountsBundling multiple insurance products (like auto, renters, and home) with the same company is a good way to get a discount—savings can be around 18%.
Defensive driver discountsYou can often get a discount for taking a state-approved defensive driving course.
Anti-theft devicesIf you preemptively protect your car by adding anti-theft or safety devices, you may be eligible for a discount.
Good student discountsDrivers under 25 should look for a good student discount. Full-time students who maintain good grades may qualify for savings up to 25% through their insurer.
TelematicsSeveral companies have telematics programs that monitor your driving behavior and give discounts for good habits. Often, you can get a discount just for signing up.
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Florida insurance carriers may also have discounts for homeowners, married people, or people who are affiliated with certain associations—like the military. Talk to your agent to see if you qualify.

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.

Registering your car in Florida

If you want to register a car in Florida, you need to have the following paperwork:
  • A driver’s license or ID card
  • A car title or signed lease agreement
  • Proof of insurance
It’s recommended that you make an appointment with the DMV to register your vehicle as there are often long wait times and additional paperwork to file.
Florida drivers are required to renew their vehicle registration every year.

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