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: |
|---|---|---|---|
| AAA | November 20, 2024 | 5 | “I’m so blessed and happy to have you guys “ -Tony |
| Allstate | November 18, 2024 | 5 | “Thanks for this. I’ve save a bunch and everything was quick and easy.” -Ethan |
| Assurance America | November 9, 2024 | 5 | “Been a customer for about 3 years and happy “ -Hettie |
| Founders | November 9, 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)” -Irene |
| AAA | November 8, 2024 | 5 | “Excellent service price and coverture I Texas. But In Florida. There’s is a lot ti desire. I have been with them for …(read more)” -Mabel |
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 (PD) 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.
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.
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
|
Has Full Coverage
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
|---|---|---|---|---|---|
| No Coverage | No | National General | $212 | Lucy, 34, Opa Locka, FL | Gmc Terrain Sle |
| State Minimum | Yes | Mendota | $267 | Pauline, 58, Orlando, FL | Ford F-150 |
| No Coverage | No | National General | $186 | Billy, 34, Tamarac, FL | Mazda Cx-5 |
| State Minimum | Yes | National General | $173 | Leah, 27, Midway, FL | Hyundai Santa Fe Limited |
| No Coverage | Yes | National General | $190 | Tillie, 34, Ocala, FL | Mitsubishi Mirage G4 Black Edit |
Florida 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.
Car insurance premium by rating factors
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.
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.
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.
SLOW DOWN: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
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Speeding Violation-Major | National General | $231 | Henry, 29, Davenport, FL | State Minimum | Yes |
| Speeding Violation-Major | National General | $122 | Lilly, 40, Haines City, FL | No Coverage | No |
| Speeding Violation-Major | Progressive | $81 | Nathaniel, 43, Seminole, FL | State Minimum | Yes |
| Speeding Violation-Major | Mendota | $655 | Harriet, 38, Bonifay, FL | State Minimum | Yes |
| Speeding Violation-Minor | Mendota | $209 | Birdie, 22, Crestview, FL | State Minimum | No |
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.
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
|
Has Full Coverage
|
|---|---|---|---|---|---|
| At Fault With No Injury | National General | $212 | Lucy, 34, Opa Locka, FL | No Coverage | No |
| At Fault With No Injury | Mendota | $267 | Pauline, 58, Orlando, FL | State Minimum | Yes |
| At Fault With No Injury | National General | $186 | Billy, 34, Tamarac, FL | No Coverage | No |
| Not At Fault | National General | $173 | Leah, 27, Midway, FL | State Minimum | Yes |
| Not At Fault | Assurance America | $280 | Ada, 24, Panama City, FL | No Coverage | No |
Is 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?
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
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Other Minor | National General | $173 | Leah, 27, Midway, FL | State Minimum | Yes |
| Careless Driving | National General | $190 | Tillie, 34, Ocala, FL | No Coverage | Yes |
| Other Minor | Progressive | $686 | Fannie, 27, Palmetto Bay, FL | State Minimum | No |
| Other Minor | National General | $142 | Rosie, 21, Casselberry, FL | No Coverage | No |
| Driving on Sus. License | Embark General | $230 | Ruby, 19, Middleburg, FL | No Coverage | No |
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 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.
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
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| 550-659 | National General | $212 | Lucy, 34, Opa Locka, FL | Gmc Terrain Sle | No Coverage | No |
| 660-750 | Mendota | $267 | Pauline, 58, Orlando, FL | Ford F-150 | State Minimum | Yes |
| 750+ | National General | $186 | Billy, 34, Tamarac, FL | Mazda Cx-5 | No Coverage | No |
| 550-659 | National General | $173 | Leah, 27, Midway, FL | Hyundai Santa Fe Limited | State Minimum | Yes |
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.
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.
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.
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 |
|---|---|---|
| Toyota Camry | $98 | $183 |
| Honda Accord | $96 | $172 |
| Ford F-Series | $83 | $152 |
| Chevrolet Silverado | $82 | $159 |
| Nissan Altimaa | $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
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Honda Accord Value Package | The General | $256 | Ronald, 45, Crystal River, FL | No Coverage | No |
| Chevrolet Silverado K1500 Lt | National General | $228 | Millie, 49, Panama City, FL | No Coverage | Yes |
| Nissan Altima 2.5 | Dairyland | $237 | Paul, 19, Davenport, FL | No Coverage | No |
| Honda Accord Lx | Progressive | $686 | Fannie, 27, Palmetto Bay, FL | State Minimum | No |
| Honda Accord Sport | National General | $548 | Madge, 24, Delray Beach, FL | State Minimum | Yes |
Car 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.
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 |
| 3296 | $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, State
|
Customer First Name
|
Insurance Company
|
Premium (monthly)
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Opa Locka, FL | Lucy | National General | $212 | Gmc Terrain Sle | No Coverage | No |
| Orlando, FL | Pauline | Mendota | $267 | Ford F-150 | State Minimum | Yes |
| Tamarac, FL | Billy | National General | $186 | Mazda Cx-5 | No Coverage | No |
| Midway, FL | Leah | National General | $173 | Hyundai Santa Fe Limited | State Minimum | Yes |
| Ocala, FL | Tillie | National General | $190 | Mitsubishi Mirage G4 Black Edit | No Coverage | Yes |
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:
- 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
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.
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.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
