Key Takeaways
- Florida drivers need to carry $10,000 PIP and $10,000 PDL.
- Companies like Embark, Gainsco and Progressive often have low rates for Florida drivers.
Drivers in Florida tend to pay a hefty amount for car insurance premiums compared to other states. The Sunshine State ranks highly for traffic accidents, uninsured drivers are rampant, there’s a litigious environment rife with fraudulent car insurance claims, and extreme weather events like hurricanes, tropical storms, and flash flooding all lead to higher costs for premiums.
Case in point: The state’s minimum coverage costs $269 annually, according to a Jerry analysis. The average cost of full coverage insurance is $395 per month. That’s 15% higher than the national average for full coverage.
What are Florida’s minimum requirements for car insurance?
Under Florida law, drivers are required to carry $10,000 for personal injury protection (PIP) and a minimum of $10,000 for property damage liability (PDL).
When you or somebody else driving your car gets into an accident and are found at fault, PDL coverage helps pay for the damage that your vehicle does to another person’s property.
PIP and PDL are not considered liability coverage and only cover the policyholder — not injuries and damage done to the other driver or passengers subjected to a crash.
PIP allows policyholders to file claims for injuries, lost wages and car repairs when they are injured in an accident regardless of who is found responsible. In Florida, PIP only pays up to the state’s maximum of $10,000 for medical expenses for injuries. This coverage also helps pay some funeral expenses when there’s a fatality.
This unique minimum requirement in Florida, as well as the state passing the No-Fault Law in 1971 as part of the Motor Vehicle Insurance Act, has led to an excess of fraudulent PIP lawsuits. That drives up the costs for policyholders statewide.
Cheapest minimum coverage insurance in Florida
Check out the quoted prices for minimum coverage in The Sunshine State:
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Embark General | $112 | $1,347 |
| Gainsco | $171 | $2,048 |
| Progressive | $226 | $2,708 |
| Mendota | $262 | $3,139 |
| National General | $271 | $3,250 |
| Bristol West | $306 | $3,676 |
| Root | $331 | $3,967 |
| Assurance America | $331 | $3,968 |
| Infinity | $350 | $4,201 |
| Dairyland | $382 | $4,586 |
If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.
Cheapest full coverage insurance in Florida
Full coverage could give you the peace of mind or you might be required to have it when you lease or loan your car. Check out these quotes for full coverage in Florida:
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Mercury | $181 | $2,174 |
| AAA | $220 | $2,636 |
| Anchor General | $252 | $3,027 |
| Aspire Advantage | $261 | $3,129 |
| Bluefire | $285 | $3,418 |
| First Acceptance | $302 | $3,620 |
| Progressive | $309 | $3,703 |
| National General | $331 | $3,969 |
| Trexis | $341 | $4,088 |
| Safeco | $346 | $4,153 |
Cheapest car insurance for young drivers in Florida
Like everywhere else in the United States, young drivers in Florida pay the most for auto insurance:
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 18-20 | $438 | $5,254 |
| 21-24 | $365 | $4,376 |
Cheapest state minimum policy in Florida for a 20 year old
A 20-year-old Floridian who needs minimum coverage can expect to pay over $200 per month for car insurance according to our quotes:
|
Insurance Company
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Trexis | 20 | $161 | $1,929 |
| Gainsco | 20 | $271 | $3,255 |
| National General | 20 | $275 | $3,295 |
| Infinity | 20 | $298 | $3,572 |
| Embark General | 20 | $322 | $3,859 |
Cheapest full coverage policy in Florida for a 20 year old
Check out the quotes for full coverage in Florida for a 20-year-old driver:
|
Insurance Company
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Progressive | 20 | $502 | $6,025 |
| National General | 20 | $517 | $6,199 |
| Mendota | 20 | $561 | $6,728 |
| Bristol West | 20 | $602 | $7,222 |
| Embark General | 20 | $618 | $7,421 |
| Dairyland | 20 | $642 | $7,705 |
| Gainsco | 20 | $686 | $8,233 |
| Root | 20 | $739 | $8,863 |
| The General | 20 | $761 | $9,131 |
| Assurance America | 20 | $797 | $9,568 |
Average car insurance for mature drivers in Florida (25-54 years old)
These are the rates applicable to drivers aged 25 to 54, which see a general decline as a Floridian gets older:
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 25-34 | $307 | $3,688 |
| 35-44 | $283 | $3,392 |
| 45-54 | $261 | $3,134 |
Cheapest state minimum policy in Florida for a 36 year old
The typical Jerry customer is 36 years old. Below are the quotes for a state-minimum policy in Florida tailored to someone of that age:
|
Insurance Company
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Aspire Advantage | 36 | $94 | $1,130 |
| Anchor General | 36 | $96 | $1,151 |
| Gainsco | 36 | $164 | $1,970 |
| National General | 36 | $178 | $2,141 |
| Safeco | 36 | $196 | $2,350 |
Cheapest full coverage policy in Florida for a 36 year old
Here are the most affordable quotes for full coverage available to a 36-year-old in Florida:
|
Insurance Company
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Trexis | 36 | $163 | $1,954 |
| Aspire Advantage | 36 | $212 | $2,542 |
| Progressive | 36 | $315 | $3,774 |
| National General | 36 | $321 | $3,849 |
| Safeco | 36 | $361 | $4,329 |
| Gainsco | 36 | $376 | $4,517 |
| Assurance America | 36 | $417 | $5,007 |
| Mendota | 36 | $432 | $5,185 |
| Embark General | 36 | $456 | $5,466 |
| Bristol West | 36 | $464 | $5,567 |
Average car insurance for older drivers (55+ years old)
Senior drivers typically enjoy lower insurance rates throughout their 50s and early 60s; however, premiums often begin to rise as they move into their later years.
Cheapest state minimum policy in Florida for a 65 year old
Below are the quotes for a state-minimum policy in Florida for a 65-year-old driver.
|
Insurance Company
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Progressive | 65 | $139 | $1,674 |
| Gainsco | 65 | $140 | $1,679 |
| National General | 65 | $145 | $1,745 |
| Embark General | 65 | $152 | $1,820 |
| Assurance America | 65 | $163 | $1,957 |
Cheapest full coverage policy in Florida for a 65 year old
If you need full coverage, here are the most affordable full coverage quotes available for a 65-year-old driver in Florida.
|
Insurance Company
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Progressive | 65 | $190 | $2,276 |
| Safeco | 65 | $284 | $3,406 |
| Embark General | 65 | $291 | $3,497 |
| National General | 65 | $292 | $3,505 |
| Dairyland | 65 | $296 | $3,547 |
| Gainsco | 65 | $322 | $3,858 |
| Mendota | 65 | $322 | $3,861 |
| Infinity | 65 | $330 | $3,960 |
| Assurance America | 65 | $339 | $4,074 |
| Bristol West | 65 | $360 | $4,316 |
Average car insurance for drivers with clean records in Florida
If you have no violations or claims, check out the average quotes for Floridians with clean records and insurers who have the lowest quotes for drivers with clean records:
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Anchor General | $95 | $1,134 |
| Aspire Advantage | $98 | $1,180 |
| Commonwealth Insurance | $147 | $1,767 |
| Trexis | $157 | $1,881 |
| Mercury | $181 | $2,174 |
| First Acceptance | $209 | $2,503 |
| Progressive | $211 | $2,531 |
| Embark General | $213 | $2,552 |
| AAA | $220 | $2,636 |
| National General | $237 | $2,846 |
Average car insurance for drivers with low credit scores in Florida
Drivers in Florida with a better credit score pay less for insurance, as you can see from the falling average quotes below:
|
Credit Score
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 550-659 | $300 | $3,601 |
| 660-750 | $279 | $3,344 |
| <550 | $308 | $3,694 |
| 750+ | $244 | $2,922 |
If you have a low credit score, meaning a score of less than 550, check out these insurers for the best rates:
|
Insurance Company
|
Credit Score
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Anchor General | <550 | $103 | $1,241 |
| Aspire Advantage | <550 | $121 | $1,447 |
| First Acceptance | <550 | $199 | $2,383 |
| Embark General | <550 | $235 | $2,819 |
| National General | <550 | $273 | $3,279 |
Cheapest car insurance for drivers with at-fault accidents in Florida
An accident will definitely increase your insurance quotes in Florida, according to our data:
|
At-fault Accident on Record
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| At Fault With Injury | $312 | $3,745 |
| At Fault With No Injury | $340 | $4,083 |
| Not At Fault | $315 | $3,777 |
| $266 | $3,189 |
Cheapest car insurance for drivers with at-fault accidents with no injury in Florida
|
Insurance Company
|
At-fault Accident on Record
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Aspire Advantage | At Fault With No Injury | $139 | $1,669 |
| Bluefire | At Fault With No Injury | $140 | $1,674 |
| Anchor General | At Fault With No Injury | $144 | $1,722 |
| Trexis | At Fault With No Injury | $171 | $2,053 |
| First Acceptance | At Fault With No Injury | $182 | $2,190 |
Cheapest car insurance for drivers with at-fault accidents with injury in Florida
|
Insurance Company
|
At-fault Accident on Record
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Aspire Advantage | At Fault With Injury | $109 | $1,313 |
| Safeco | At Fault With Injury | $204 | $2,442 |
| First Acceptance | At Fault With Injury | $212 | $2,544 |
| Embark General | At Fault With Injury | $255 | $3,060 |
| National General | At Fault With Injury | $267 | $3,205 |
Cheapest car insurance for drivers with a speeding ticket in Florida
Speeding will cause your average quote to rise, according to our data based on customers in Florida:
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Speeding over 15 | $353 | $4,241 |
| Speeding under 15 | $276 | $3,317 |
if you have a speeding ticket, it might be worthwhile to get quotes from various insurers because you could get a better quote:
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Aspire Advantage | $67 | $806 |
| Anchor General | $104 | $1,244 |
| Embark General | $252 | $3,029 |
| National General | $268 | $3,222 |
| First Acceptance | $282 | $3,384 |
| Gainsco | $289 | $3,472 |
| Safeco | $297 | $3,563 |
| Progressive | $302 | $3,624 |
| Dairyland | $317 | $3,799 |
| Assurance America | $319 | $3,829 |
Cheapest car insurance for drivers with a DUI in Florida
Driving under the influence will negatively influence your insurance quotes, as you can see from the increase in cost from the average driver with no DUI record:
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| DUI | $348 | $4,171 |
| $285 | $3,418 |
Different insurers charge different rates for drivers with a DUI in Florida. Check out these quotes, starting from the cheapest:
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Trexis | $109 | $1,302 |
| Aspen | $141 | $1,695 |
| Gainsco | $184 | $2,208 |
| Embark General | $218 | $2,613 |
| National General | $225 | $2,697 |
| Assurance America | $231 | $2,770 |
| Dairyland | $320 | $3,838 |
| The General | $346 | $4,158 |
| Progressive | $382 | $4,587 |
| Bristol West | $428 | $5,131 |
Average car insurance for drivers with other violations in Florida
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Careless Driving | $372 | $4,462 |
| Cell Phone | $380 | $4,557 |
| Defective Equipment | $246 | $2,953 |
| Driving on Sus. License | $257 | $3,082 |
| Eluding Police | $252 | $3,024 |
| Failure to Obey Traffic Sign | $336 | $4,032 |
| Illegal Turn | $278 | $3,335 |
| Improper Passing | $359 | $4,313 |
| Leaving scene of an Accident/Hit and Run | $311 | $3,728 |
| Open Container | $218 | $2,617 |
| Other | $331 | $3,972 |
| Passing School Bus | $281 | $3,370 |
| Racing/Drag Racing | $302 | $3,621 |
| Reckless Driving | $164 | $1,972 |
| Seat Belt | $285 | $3,422 |
| Suspension | $320 | $3,836 |
| Wrong Way/Wrong Lane | $271 | $3,250 |
Does Florida require drivers to have uninsured/underinsured (UM/UIM) motorists coverage?
Even though Florida drivers have an added risk of a high rate of uninsured drivers on the roads, the state does not require UM/UIM coverage. But including UM coverage to your policy can be a good idea, as the state’s minimum requirements are so low that drivers who get into an accident will likely need more protection.
UM coverage helps pay for your injuries, lost wages and the damage done to your vehicle if you’re affected by a hit and run or get into an accident with an uninsured or underinsured driver who is found at fault.
Is full coverage auto insurance recommended in Florida?
Florida’s minimum state requirements are not likely to provide sufficient financial protection in the event you’re in a serious wreck. With various risks unique to the Sunshine State, it can be beneficial that Florida drivers carry full coverage.
Paying more for full coverage may seem expensive in the short term, but it will provide greater financial protection to you if you end up in a significant accident. Without full coverage, you’re exposing yourself to financial risks once your car insurance policy reaches its limit.
What is full coverage car insurance in Florida?
Full coverage car insurance includes the state’s minimum, comprehensive coverage, collision coverage and bodily injury liability.
- Collision coverage helps pay for repairs to your car that resulted from an accident with another vehicle regardless of if you were found at fault. Collision coverage usually has a deductible.
- Comprehensive coverage pays for damage to your car that resulted from a non-collision event like an alligator attack, flooding, extreme weather events like a hurricane, vandalism, and theft.
- Bodily injury liability coverage helps protect you in case you’re found responsible for an accident in which another person gets injured.
What are the factors that determine a car insurance premium in Florida?
In Florida, insurers rate drivers on various factors to determine their risk and profile, including:
- Driving record.
- Traffic tickets and violations history.
- Claims history.
- Age, gender and marital status.
- Where you live.
- The vehicle you drive.
- Policy deductibles.
- Credit score.
- Annual mileage.
How can you find the best cheap car insurance rates in Florida?
Floridians can take several steps to find the best cheap rate for their situation by doing the following:
- Shop around and compare quotes from multiple insurers to find the best option. You can do this multiple times a year and don’t need to wait for your current policy to lapse to get this information.
- Bundle policies for your home, life and auto insurance from the same insurer.
- Choose higher deductibles.
- Maintain a safe driving record.
- Take a defensive driving course to potentially get a discount.
- Pay your policy in full and don’t let it lapse.
While the key to securing the best cheap auto insurance policy is to gather quotes from multiple insurers, this research can be time consuming. Fortunately, you can use Jerry, America’s first and only AllCar™ app.
As a licensed broker, Jerry finds the best deal for you in minutes, as our app’s PriceProtect™ searches for insurance rates from 50+ insurance companies.
FAQ
-
What is the cheapest car insurance in Florida?
-
What is the cheapest full coverage car insurance in Florida?
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
