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Jerry Data & Research
Cheapest Car Insurance in Florida (Oct 2024)
Cheapest Car Insurance in Florida (Oct 2024)
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Florida.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Sarah Gray
Licensed Insurance Agent — Expert Insurance Writer and Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Amy Bobinger, Licensed Insurance Agent — Expert Insurance Editor
What's on this page?
- How to find the cheapest car insurance quotes in Florida
- Minimum liability and full coverage in Florida
- Car insurance premium by rating factors
- How different factors impact your car insurance costs in Florida
- Florida car insurance rates after a driving violation
- Cheapest Florida auto insurance after an at-fault accident
- Cheapest auto insurance after other violations in Florida
- Cheapest Florida auto insurance based on insurance history
- Cheapest auto insurance for Florida drivers with poor credit
- Cheapest Florida car insurance by age
- Cheapest Florida car insurance for popular cars
- Florida cheapest car insurance by location
- How to lower the cost of car insurance in Florida
- Why is car insurance so expensive in Florida?
- Methodology
- Meet our experts
Load full table of contents
How to find the cheapest car insurance quotes in Florida
The average Florida driver pays $312 per month or $3,741 annually for full coverage car insurance and $174 per month or $2,090 per year for state-minimum coverage. But, check out these real quotes from real Jerry users below!
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.| Insurance company | Date | Cost rating (out of 5) | What our customer said: |
|---|---|---|---|
| Kemper | October 1, 2024 | 5 | "I’m so blessed and happy to have you guys " -Landon |
| Mapfre | October 1, 2024 | 4 | "I’m happy they approved me but the interest rate is obscene" -Carlos |
| AAA | September 30, 2024 | 5 | "Im a good driver 1/2 of those driving violations were not my fault i had a car i paid 3800 for my transmission and w...(read more)" -Randy |
| DirectAuto | September 25, 2024 | 5 | "I had some flood damage a few months back and Arrowhead made the claim process very easy for me and they gave me enou...(read more)" -Linnie |
| Aspire Advantage | September 21, 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 |
Last Updated Oct 1, 2024
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.
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. A full coverage policy will cost an average of $138 more per month, but the added legal and financial protection is well worth the investment.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. Together, these coverages cost an average of about $2,090 per year.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.
Do you need more than minimum coverage in Florida?
Most drivers in Florida need higher liability coverage than the state's minimum requirements. With an average annual cost of $3,741, it’s well worth the added expense.
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.
In addition to increased liability limits, you’ll need full coverage if you want to cover the cost of repairing or replacing your own vehicle—but that’s not as easy, or as affordable to get in the Sunshine State as it once was. Here’s what Jerry’s experts have to say about the state of the insurance industry in Florida, and how it could affect your policy choices.
The bottom line: Despite the increased cost, full coverage car insurance is a more cost-effective choice than state-minimum coverage for most Florida drivers.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
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.
A full coverage policy usually averages about $312 per month, but check out the savings these Florida drivers were able to find by shopping with Jerry:
| Insurance Coverage | Insurance Company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 50,000/100,000 Liability • Comp / Collision | Progressive | $108 | Floyd, 86 | Chevrolet Trax 1LT |
• State Minimum Liability • Comp / Collision | Nationwide | $137 | Phoebe, 34 Mayo, FL | Toyota Tundra Crewmax SR5 |
• 50,000/100,000 Liability • Comp / Collision | Safeco | $253 | Lida, 45 | BMW 328 Xigt |
• 100,000/300,000 Liability • Comp / Collision | Travelers | $397 | Amy, 51 | KIA Stinger GT2 |
• 50,000/100,000 Liability • Comp / Collision | AAA | $234 | Aaron, 23 Hialeah, FL | Hyundai Sonata SE |
Last Updated Oct 5, 2024Florida car insurance: Additional coverage
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.How different factors impact your car insurance costs in Florida
How different factors impact your car insurance costs in Florida
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Florida currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about 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.
On average, Florida drivers pay around $150 more per month for car insurance after a minor speeding ticket. Drivers with a major speeding violation on their record pay an average of over $650 more per month for coverage.
On average, Florida drivers pay around $150 more per month for car insurance after a minor speeding ticket. Drivers with a major speeding violation on their record pay an average of over $650 more per month for coverage.
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 Type | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
Speeding 1-5 | Progressive | $139 | Rachel, 40 | • State Minimum Liability |
Speeding 6-10 | Safeco | $208 | Arthur, 34 | • 100,000/300,000 Liability • Comp / Collision |
Speeding 11-15 | Safeco | $257 | Howard, 24 | • 50,000/100,000 Liability |
Speeding 16-20 | National General | $240 | Ellen, 35 | • 50,000/100,000 Liability • Comp / Collision |
Speeding 21+ | AAA | $282 | May, 35 | • 15,000/30,000 Liability • Comp / Collision |
Last Updated Oct 1, 2024Over 4,000,000 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 has given the cheapest price on vehicle insurance as well as kept their word on the quote.
Anna
Simple, easy, and inexpensive. Great experience!
Mela
Such a cheap deal for quality insurance. Would definitely recommend.
Standia
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 is why they typically pay up to 80% higher rates for insurance than drivers with a clean record.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.
Myra (32 years old)
$65
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. On average, drivers that are required to file an SR-22 with the state of Florida pay 43% more for insurance than those who are not required to file.
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 increase as much as 42% 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.
Below, we’ve collected real examples of affordable rates Jerry users found after an at-fault accident.
| Accident Type | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
At Fault With Injury | Progressive | $164 | Ruby, 39 | • State Minimum Liability |
At Fault With No Injury | Safeco | $185 | Kate, 43 | • 100,000/300,000 Liability • Comp / Collision |
Not At Fault | AAA | $165 | Elizabeth, 52 Lakeland, FL | • 25,000/50,000 Liability • Comp / Collision |
At Fault With No Injury | Travelers | $147 | Matilda, 35 Fern Park, FL | • 50,000/100,000 Liability • Comp / Collision |
At Fault With Injury | National General | $240 | Mattie, 32 | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Oct 7, 2024Is Florida a no-fault state?
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.
What is the minimum car insurance required in Florida?
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.
How much car insurance do I need in Florida?
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.
What is the new auto insurance law in Florida?
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 much more than the $2,090 annual average drivers pay for car insurance below:
Violation | Annual Premium for State Minimum Coverage |
|---|---|
Careless/Reckless Driving | $2,808 |
Cell Phone Violation | $2,743 |
Driving on a Suspended License | $3,166 |
Failure to Obey Signal, Stop, or Yield | $2,918 |
Wrong Way / Wrong Lane | $3,461 |
Improper Passing | $2,744 |
But even with one of these violations on your record, Jerry can still help you find an affordable rate. Check out the list below to see real deals on car insurance Jerry found for drivers with various violations:
| Violation | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Careless Driving | Progressive | $381 | Micheal, 43 | Hyundai Venue SE | • No Coverage Liability • Comp / Collision |
Cell Phone | Bristol West | $348 | Cody, 43 | Honda Odyssey EXL | • No Coverage Liability • Comp / Collision |
Defective Equipment | AAA | $282 | Lola, 35 | Honda Accord Sport | • 15,000/30,000 Liability • Comp / Collision |
Driving on Sus. License | Travelers | $193 | Millie, 41 | Ford Flex Limited | • 100,000/300,000 Liability |
DUI | Mercury | $241 | Nora, 47 | Dodge Journey GT | • 100,000/300,000 Liability • Comp / Collision |
Eluding Police | Safeco | $240 | Calvin, 46 | Hyundai Sonata SE | • State Minimum Liability • Comp / Collision |
Failure to Yield | National General | $364 | Ethel, 40 Miami, FL | Toyota RAV4 | • State Minimum Liability • Comp / Collision |
Homicide | Progressive | $526 | Lucas, 24 Tampa, FL | Lincoln MKX Reserve | • 100,000/300,000 Liability • Comp / Collision |
Illegal Turn | Safeco | $184 | Ethel, 43 | Toyota Tundra Access Cab | • 50,000/100,000 Liability • Comp / Collision |
Improper Passing | Infinity | $289 | Jeffrey, 32 | Nissan Versa S | • State Minimum Liability • Comp / Collision |
Leaving scene of an Accident/Hit and Run | Bristol West | $220 | Elizabeth, 35 | Ford F150 | • State Minimum Liability |
Open Container | Gainsco | $165 | Ethan, 31 | Lexus ES 350 | • State Minimum Liability |
Passing School Bus | Mercury | $258 | Minerva, 31 | Dodge Grand Caravan SXT | • State Minimum Liability • Comp / Collision |
Racing/Drag Racing | Progressive | $218 | Luis, 29 | Nissan Altima 2.5 | • State Minimum Liability • Comp / Collision |
Reckless Driving | Bristol West | $103 | Georgia, 31 Altoona, FL | Mitsubishi Galant ES | • State Minimum Liability |
Seat Belt | Nationwide | $245 | Amanda, 49 Hollywood, FL | Mazda CX-5 Grand Touring | • 250,000/500,000 Liability • Comp / Collision |
Speeding 21+ | AAA | $282 | Ian, 35 | Honda Accord Sport | • 15,000/30,000 Liability • Comp / Collision |
Speeding Violation-Minor | Allstate | $200 | Winnie, 27 | Ford Fusion SE | • State Minimum Liability |
Suspension | Travelers | $176 | Alice, 29 | Honda Civic LX | • 100,000/300,000 Liability |
Wrong Way/Wrong Lane | Bristol West | $220 | Fred, 30 | Volkswagen Jetta S | • No Coverage Liability |
Other Minor | Plymouth Rock | $204 | Marion, 41 | Chevrolet Equinox LT | • 25,000/50,000 Liability |
Last Updated Oct 7, 2024Cheapest 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 could lead to insurance rate increases of as much as 19% or more upon reinstatement or renewal.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.
Ian (71 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$111
per month
Gregory (24 years old)
Not Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$201
per month
Micheal (30 years old)
$191
per month
Russell (32 years old)
Not Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$218
per month
Ella (22 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
$97
per month
Gary (33 years old)
Not Currently Insured
CoverageState Minimum
Neptune Beach, FL
GMC Sierra K1500 AT4$162
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.
Here’s a breakdown of how your credit score can affect your average insurance rates.
Credit Score | Average monthly insurance premium |
|---|---|
<600 | $354 |
601–699 | $301 |
700+ | $238 |
Take a look at the quotes below to see how Jerry has helped drivers with all levels of credit find affordable coverage:
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | Progressive | $76 | Ronald, 30 | Nissan Sentra S | • State Minimum Liability |
660 - 750 | Safeco | $100 | Jeff, 57 | Hyundai Sonata GLS | • 50,000/100,000 Liability |
550 - 659 | Safeco | $197 | Caleb, 36 | Volkswagen Jetta SE | • 100,000/300,000 Liability • Comp / Collision |
< 550 | Plymouth Rock | $288 | Marian, 32 Tampa, FL | Nissan Rogue S | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Oct 7, 2024Cheapest 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.
Here’s what teen and young adult drivers pay on average a month to insure a vehicle in Florida:
Ages | Minimum liability | Full coverage |
|---|---|---|
< 18 | $373 | $1,204 |
18–21 | $317 | $734 |
Full coverage insurance is recommended to provide better financial protection for teen drivers who drive newer vehicles. Here are some examples of affordable quotes young drivers have found by shopping with Jerry.
Ann (21 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Mitsubishi Outlander Sport ES$249
per month
Ellen (24 years old)
$101
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.
Here’s an average of what drivers age 55 and up pay for Florida car insurance:
Ages | Minimum liability | Full coverage |
|---|---|---|
55–64 | $146 | $315 |
65 + | $145 | $302 |
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.Here are some examples of affordable quotes Jerry has found for senior drivers in Florida:
Jayden (71 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$76
per month
Mike (70 years old)
$99
per month
Claudia (66 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Fiat 500L Lounge$136
per month
Over 4,000,000 customers and counting
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Great company that cares about its customers.
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Cheapest Florida car insurance for popular cars
The car you drive has a significant impact on your car insurance rates. Insurance companies evaluate the cost of repairs or replacements, the likelihood of theft, and the vehicle's safety record when determining the insurance premium.
Here are the average rates for state-minimum and full coverage insurance on some of the most popular vehicles in Florida:
Vehicle | Average monthly premium for state-minimum coverage | Average monthly premium for full coverage |
|---|---|---|
$98 | $183 | |
$96 | $172 | |
$83 | $152 | |
$82 | $159 | |
$103 | $200 |
Check out the table below to see real quotes Jerry customers have gotten for their popular car models.
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Toyota Camry L | Progressive | $294 | Milton, 27 | • 50,000/100,000 Liability • Comp / Collision |
| Honda Accord EXL | Nationwide | $127 | Lura, 34 | • 100,000/300,000 Liability • Comp / Collision |
| Nissan Altima | Safeco | $116 | Sallie, 37 | • 50,000/100,000 Liability |
Last Updated Oct 3, 2024Car insurance cost for new vs. old car
In Florida, insuring a new car can be more expensive than an older one. According to our research, the average cost of full coverage insurance for a car over 10 years old is $2,006 per year.
Here are some affordable quotes owners of older vehicles were able to find using the Jerry app:
Leona (26 years old)
1996 Buick Lesabre Limited
Coverage15,000 per person
30,000 per accident bodily injury
Pembroke Pines, FL$109
per month
Sally (28 years old)
$126
per month
Eleanor (42 years old)
$146
per month
Danny (38 years old)
$88
per month
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.
Below, we’ve gathered average cost data for the cheapest zip codes for car insurance in Florida.
Least Expensive Zip Codes | Average monthly insurance premium |
|---|---|
34992 | $52 |
32963 | $58 |
32350 | $59 |
32358 | $66 |
32508 | $67 |
Here is the average cost data we gathered for the most expensive zip codes for car insurance in Florida.
Most Expensive Zip Codes | Average monthly insurance premium |
|---|---|
33013 | $705 |
32437 | $533 |
33122 | $455 |
33420 | $399 |
33394 | $391 |
Now, take a look at how Jerry helped drivers in different cities in Florida with their insurance needs.
| City | Customer | Insurance Company | Premium (monthly) | Car | Insurance coverage |
|---|---|---|---|---|---|
| Jacksonville, FL | Micheal, 30 | Progressive | $207 | Toyota Yaris IA | • State Minimum Liability |
| Panama City, FL | Gordon, 60 | Allstate | $231 | GMC Acadia Denali | • 50,000/100,000 Liability • Comp / Collision |
| Brooksville, FL | Mollie, 56 | AAA | $92 | Pontiac Montana Luxury | • 25,000/50,000 Liability |
| Plantation, FL | Dora, 51 | Travelers | $397 | KIA Stinger GT2 | • 100,000/300,000 Liability • Comp / Collision |
| Key West, FL | Connor, 26 | Infinity | $397 | Toyota Highlander XLE | • State Minimum Liability • Comp / Collision |
| Jensen Beach, FL | Mamie, 62 | Gainsco | $89 | Ford F150 | • No Coverage Liability |
| Jacksonville, FL | Adeline, 33 | National General | $85 | Jeep Patriot Sport | • No Coverage Liability • Comp / Collision |
| Orlando, FL | Allie, 42 | Bristol West | $165 | Lexus GS 350 | • No Coverage Liability • Comp / Collision |
| Silver Springs, FL | Robert, 50 | Mendota | $177 | Hyundai Elantra Limited | • State Minimum Liability • Comp / Collision |
| Fort Myers, FL | Lloyd, 35 | Assurance America | $184 | Nissan Altima S | • No Coverage Liability |
| North Miami Beach, FL | Marian, 51 | The General | $260 | Honda CR-V LX | • No Coverage Liability |
| Clermont, FL | Dylan, 26 | Dairyland | $290 | KIA Optima LX | • No Coverage Liability • Comp / Collision |
| Plantation, FL | Clarence, 26 | Embark General | $135 | Hyundai Sonata GLS | • No Coverage Liability |
Last Updated Oct 7, 2024How 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:
- Shop around and compare auto insurance quotes from different companies.
- Bundle your car insurance with other policies, such as homeowner's insurance, for a multi-policy discount.
- 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.
- Consider raising your deductible for comprehensive and collision coverage.
- Improve your credit score.
- Take a defensive driving course to potentially earn a discount.
- 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
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
Sarah Gray
Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
Amy Bobinger
Licensed Insurance Agent — Expert Insurance Editor
Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. Amy is passionate about creating content that helps consumers navigate challenges related to car ownership and achieve financial success in areas relating to cars.
Amy has over 10 years of writing and editing experience. After several years as a freelance writer, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry’s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.
Josh Damico
Head Of Insurance Operations
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.