Car insurance in Florida costs between $84 and $164 per month for minimum coverage and $203 to $339 per month for full coverage. High-risk drivers may pay $350 to $600+ per month, depending on driving history and risk factors. Rates vary widely based on location, coverage level, and driver profile.
In major Florida cities, full coverage costs are typically higher. Drivers in cities like Jacksonville, Orlando, and Miami can expect monthly premiums ranging from around $214 to $274, with urban areas generally seeing higher rates due to traffic density, accident risk, and claim frequency.
Some of the best car insurance companies in Florida include GEICO, State Farm, Progressive, and Travelers, offering competitive pricing, flexible coverage options, and strong customer satisfaction.
It’s not all sunshine and amusement parks in Florida; in fact, the southeasternmost state is renowned for costly car insurance coverage that can take a chunk out of your bank account.
But not on our watch. Keep reading for everything you need to know about car insurance in Florida, from minimum coverage to cost, coverage options to money-saving tips, and more.
Let’s dive in.
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It might surprise you to learn that there’s a minimum amount of car insurance you need to carry in order to get behind the wheel. The minimum amount varies by state, but it generally protects the other driver from medical costs and property damage in an accident you cause.
Florida is a no-fault state, which means insurance works a little differently. The minimum amount of car insurance needed in Florida includes:
While you’re not required to have bodily injury protection, which protects the other driver from medical costs and you from legal damages if they sue, you do need to prove that you can pay for damages you cause in an accident. Car insurance is an easy way to do this, but you can also file a self-insurance certificate showing your high net worth.
If you cause an accident and can’t pay for the damages, you could see harsh penalties in the form of an SR-22, a suspended license, fines, and more.
You will also get offered uninsured motorist protection coverage, but you can decline this coverage in writing.
| Coverage Type | Minimum Required Limits | What It Covers |
|---|---|---|
| Personal Injury Protection (PIP) | $10,000 | Covers medical expenses and lost wages for you and passengers, regardless of fault (no-fault system). |
| Property Damage Liability (PDL) | $10,000 | Pays for damage you cause to another person’s property or vehicle. |
| Bodily Injury Liability (BIL) | Not required for most drivers* | Covers injuries you cause to others (may be required after certain violations). |
Source: flhsmv.gov
Note: Rates are based on averages and may not reflect your specific profile.
The best car insurance will meet your coverage needs, give you peace of mind, and work within your budget. This means that it’s different for every driver. You have options when it comes to your coverage, but the number of coverage types can easily overwhelm any consumer.
Let’s quickly review your coverage options in Florida:
You will often hear of full coverage, which means liability, comprehensive, and collision on one policy. It’s always a good idea to get more than the minimum amount of coverage, even if that’s just higher coverage limits or one or two additional coverage types.
We know that cost will always be a factor, so let’s explore the cost of auto insurance in Florida next.
See how car insurance rates vary across major Florida cities, based mainly on average full coverage premiums.
| Florida City | Average Annual Cost (Full Coverage) | Estimated Monthly Cost |
|---|---|---|
| Jacksonville | $2,569 | $214/month |
| Orlando | $2,739 | $228/month |
| Tampa | $2,966 | $247/month |
| Fort Lauderdale | $3,035 | $253/month |
| Miami | $3,287 | $274/month |
Source: experian.com
Note: Rates are based on averages and may not reflect your specific profile.
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Your driving history is one of the most powerful rate factors in Florida. A single DUI can more than double your annual premium, while even a minor speeding ticket can add hundreds of dollars per year. Here’s what Florida drivers typically pay after common violations:
| Driving Incident | Avg Monthly Increase | Avg Annual Increase |
|---|---|---|
| Clean record (baseline) | $0 | $0 |
| 1 speeding ticket (1–14 mph over) | +$28 – $45 | +$336 – $540 |
| 1 speeding ticket (15–29 mph over) | +$45 – $75 | +$540 – $900 |
| At-fault accident | +$65 – $110 | +$780 – $1,320 |
| Reckless driving | +$90 – $140 | +$1,080 – $1,680 |
| DUI (first offense) | +$150 – $250 | +$1,800 – $3,000 |
| DUI (second offense) | +$250 – $400+ | +$3,000 – $4,800+ |
| Suspended license | +$100 – $180 | +$1,200 – $2,160 |
Source: NerdWallet
Note: Rates are based on averages and may not reflect your specific profile.
We have good news and bad news for you, Floridians. The bad news? Florida is one of the most expensive states for car insurance.
Whether it’s the high frequency of hurricanes that leads to more property damage, the high number of uninsured drivers on the road, or the simple population density that leads to a higher risk of accidents, the fact of the matter is that you’re going to pay more for car insurance than in other states. Another factor is that Florida is one of the more dangerous states to drive in, so drivers, stay alert and cautious on the road.
The good news? Affordable car insurance is possible, even in the Sunshine State.
First, let’s cover the numbers. The average cost of minimum car insurance coverage in Florida will set you back $1,006 per year, while full coverage clocks in at $3,605 per year on average.
Of course, these numbers can be higher or lower depending on a number of factors. Your rates are based on your individual details, including:
For example, a teen driver with no experience will pay more than an experienced mature driver, and a driver that commutes an hour each way every day pays more than someone who only uses their car on weekends.
If the average car insurance costs have you working up a sweat (an easy thing to do in Florida’s humidity!), then it’s time to cool off with some helpful tips on how to get cheap car insurance in Florida.
More on that next
The following table presents the most recent estimated average car insurance premiums in Florida, segmented by coverage level.
| Coverage Level | What It Includes | Average Monthly Cost | Average Annual Cost |
|---|---|---|---|
| Minimum Coverage (State-required) | Basic liability + required PIP coverage | $84 – $164 | $1,014 – $1,589 |
| Liability (Higher limits) | Liability above minimum limits | $150 – $220 | $1,800 – $2,640 |
| Full Coverage | Liability + collision + comprehensive | $203 – $339 | $3,268 – $4,069 |
| High-risk driver | DUI, accidents, poor record | $350 – $600+ | $4,200 – $7,200+ |
Source: valuepenguin.com
Note: Rates are based on averages and may not reflect your specific profile.
No matter your finances, no one likes blowing money on car insurance. You might not have a choice on whether or not to have car insurance, but you do have a say in how much you pay. Here are some tips to put some more money back in your pocket:
You’re in the driver’s seat when it comes to your car insurance coverage and rates. A little legwork will help you save anywhere from 5-30% on your auto insurance, and that’s more than enough to take the kids to Disney World or catch a Miami Heat game—the state is your oyster!
One of the biggest factors in your car insurance premium is how old you are and, in some states, your gender. Florida allows insurers to use both when calculating rates, which means a 19-year-old driver will pay dramatically more than a 45-year-old with the same car and same ZIP code.
Here’s a look at how average full coverage premiums vary by age in Florida:
| Age Group | Avg Monthly Premium (Full Coverage) | Avg Annual Premium |
|---|---|---|
| 16–19 (teen) | $320 – $480 | $3,840 – $5,760 |
| 20–25 | $195 – $270 | $2,340 – $3,240 |
| 26–35 | $180 – $230 | $2,160 – $2,760 |
| 36–45 | $175 – $215 | $2,100 – $2,580 |
| 46–55 | $170 – $210 | $2,040 – $2,520 |
| 56–65 | $175 – $220 | $2,100 – $2,640 |
| 65+ | $190 – $260 | $2,280 – $3,120 |
Source: Bankrate
Note: Rates are based on averages and may not reflect your specific profile.
Compare the cheapest full coverage car insurance in Florida and see which provider offers the best value for your budget.
| Coverage Level | Company | Estimated Monthly Cost | Estimated Annual Cost |
|---|---|---|---|
| Minimum Full Coverage (Statutory + Collision) | GEICO | $185 – $205 | $2,220 – $2,460 |
| Standard Full Coverage (Liability + Collision + Comp) | State Farm | $195 – $225 | $2,340 – $2,700 |
| Enhanced Full Coverage (Full Comp + Extras) | Travelers | $205 – $235 | $2,460 – $2,820 |
| High Risk Full Coverage (Drivers w/ violations) | Progressive | $220 – $260 | $2,640 – $3,120 |
| Premium Full Coverage (All Add-Ons) | Allstate | $250 – $310 | $3,000 – $3,720 |
Source: experian.com
Note: Rates are based on averages and may not reflect your specific profile.
We’re not here to tell you what insurance provider to go with, but we can help you understand your options. And in Florida, you have plenty of insurers to choose from. But in our research, we have found a few providers that offer the most affordable auto insurance in the Sunshine State, so we’re listing them here for your convenience:
| Insurance Company | Best For | Key Advantages |
|---|---|---|
| Travelers | Overall coverage & value | Wide coverage options, strong pricing stability, low complaint levels. |
| GEICO | Affordable rates | Competitive pricing, strong customer satisfaction ratings. |
| Progressive | High-risk drivers & customization | Flexible underwriting and many policy customization tools. |
| State Farm | Low rates & local agents | Competitive premiums for good drivers, strong claims satisfaction. |
| Allstate | Coverage options & discounts | Strong national presence with broad policy add-ons. |
| Amica | Customer service & claims experience | Fewer customer complaints and high claims satisfaction scores. |
| Auto-Owners Insurance | Financial strength & affordability | High ratings and competitive rates in Florida. |
| Nationwide | Digital tools & policy features | Strong online experience and optional add-ons. |
| USAA* | Military families | High satisfaction ratings (eligible members only). |
*USAA is only available to military members, veterans, and eligible families.
Source: jdpower.com
Note: Rates are based on averages and may not reflect your specific profile.
You might live in (or be relocating to) one of the most expensive states in the country for car insurance. But that doesn’t mean you’re stuck up a creek without a paddle. Affordable car insurance is more than possible, even in the Sunshine State.
Your first stop is getting access to free quotes, fast by clicking here. You’ll cut down your research time and be on your way to getting great coverage at a rate you like, and did we mention it was easy?
We’ve got you covered.
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Explore state-by-state car insurance trends to understand where drivers pay less on average.
Florida requires all drivers to carry at least $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). Florida is a no-fault state, which means your own PIP coverage pays for your medical expenses after an accident regardless of who caused it. Bodily Injury Liability is not required for most drivers but is strongly recommended.
Florida car insurance costs between $84 and $164 per month for minimum coverage and $203 to $339 per month for full coverage on average. Your actual rate will vary based on your age, driving history, credit score, ZIP code, and the vehicle you drive.
Florida has some of the highest car insurance rates in the country due to a combination of factors: over 20% of drivers are uninsured, the state faces frequent hurricanes and severe weather, vehicle theft rates are among the highest nationally, and Florida has historically had elevated rates of insurance fraud and litigation.
Yes. Florida is a no-fault state, which means each driver’s own insurance pays for their medical expenses after an accident, regardless of fault. This is why Florida requires all drivers to carry Personal Injury Protection (PIP) coverage.
Driving without insurance in Florida can result in suspension of your driver’s license and vehicle registration, plus reinstatement fees of $150 for a first offense, $250 for a second offense, and $500 for a third offense — all within a 3-year period. Repeat offenders can face suspension of up to 3 years.
Yes. Florida allows insurers to use credit-based insurance scores when calculating premiums. Drivers with poor credit can pay 60–80% more than drivers with excellent credit for the same coverage. If your credit score negatively affected your rate, your insurer is required by Florida law to notify you.
Lauren Lewthwaite Lauren Lewthwaite has been freelance writing for almost five years writing content that ranges from health to insurance and everything in between. Lauren is also a trained translator in French and English and is a dog-mom to an adorable Australian Shepherd.
