Claire Smith Last Updated On: July 25, 2023

Find the Best Car Insurance in Florida

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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Table of Contents

Minimum Florida Car Insurance Coverage

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:

  • $10,000 personal injury protection (PIP)
  • $10,000 property damage liability per accident

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. 

What Is the Best Car Insurance in Florida?

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:

  • Liability: This covers medical costs and any property damage for the other driver in an accident you cause. It also provides you a legal defense if you’re sued.
    • Property damage liability is required in Florida, but bodily injury is not.
  • Collision: This covers you if you collide with another vehicle or a stationary object like a fence or phone pole. Your vehicle will be repaired or replaced up to your coverage limits.
  • Comprehensive: This covers any other form of damage to your car, like weather, theft, vandalism, or hitting an animal. Your vehicle will be repaired or replaced up to your coverage limits.
  • Uninsured/Underinsured Motorist: If you’re involved in an accident with someone who doesn’t have car insurance or doesn’t have enough for the damages, this coverage helps cover the difference.
    • Florida is the sixth highest state for uninsured drivers, with over 20% of drivers skipping insurance. You are offered uninsured motorist coverage by default, and to decline it you need to do so in writing.
  • Personal Injury Protection (PIP): This helps cover your own medical costs after an accident, as well as those of your passengers. But it also covers other expenses related to an accident, like child care, lost wages, and more.
    • PIP is required in Florida.

Want more info? Click here for even more details on your coverage options.

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.

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The Average Cost of Car Insurance in Florida

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:

  • Your age and gender
  • Your zip code
  • Your vehicle make and model
  • Your driving history
  • Your insurance claims history
  • Your mileage

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.

How to Save on Florida Car Insurance Coverage

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: 
  • Compare Quotes: This tops the list for good reason. By comparing multiple car insurance quotes, you can easily find as much as 20-30% in savings. Each insurance provider uses their own formula to calculate rates based on your individual factors, so no two quotes will be the same.
    • Make it easy on yourself by getting access to fast, free quotes here
  • Consider Zip Code and Vehicle Model: We know this won’t apply to everyone, but if you’re considering moving to Florida or you are looking at a new vehicle, you can control your costs by choosing strategically. Opting for a safer vehicle that has a lower chance of getting stolen will keep your rates low, as will choosing a town that has lower car insurance rates, like Sun City, Saint Leo, and Trilby. 
  • Raise Your Deductible: If you want to instantly bring your premiums down, raise your deductible. This means you’ll pay more if you submit a claim, but your monthly or annual premiums will drop.
  • Drive Safe: This couldn’t be more important than in Florida, a state known for dangerous driving. Driving defensively and cautiously will help avoid accidents and tickets, both of which impact your car insurance rates.
  • Review Your Coverage: Don’t overpay for coverage you don’t need. Review your policy each year to ensure you know what you’re paying for and that you still need it. Plus, it’s always a good chance to get new quotes and make sure you’re still getting the best deal.
  • Look for Discounts: Most insurance providers offer some form of car insurance discounts, and some more than others. When shopping around for rates, also make sure to see what discounts you might be eligible for, and stack them for even more savings. Common discounts include:
    • Safe driver
    • Bundling policies
    • New Customer
    • Loyal customer
    • Automatic payments
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!

The Best Auto Insurers in Florida

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: But don’t take our word for it. Make sure to compare at least three quotes from different providers, and factor in things like customer reviews, financial stability, coverage options, and more into your decision.

Get Free Car Insurance Quotes, Florida!

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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