Florida drivers pay an average of $1,520.99 per year for car insurance according to the National Association of Insurance Commissioners (NAIC), that’s about $126.75 per month. Florida drivers pay about 28% more than the countrywide national average of $1,189.64.
The NAIC takes into account all car insurance policies within the state such as drivers who select only state minimum coverage, as well as policies that include various levels of comprehensive and collision coverage. Because car insurance rates are influenced by personal factors, you could find yourself paying significantly less.
Florida car insurance quick facts
Minimum liability requirements
10/20/10
Average annual car insurance cost according to the NAIC
$1,520.99
No-fault state
In a no-fault state, each driver pays for their own injury-related expenses.
Florida state minimum car insurance requirements
Drivers in Florida are required to carry a minimum amount of property damage liability and personal injury protection to legally drive. Unlike many states, Florida doesn’t require any sort of bodily injury liability. Let’s break down your minimum requirements.
Florida property damage liability
$10,000 property damage liability
Florida requires drivers to carry $10,000 of property damage liability to legally drive. This is on the lower end of the required minimum for this coverage, with many states requiring $25,000 in property damage liability.
This means $10,000 is the maximum amount your car insurance company will pay towards damages you cause to another person’s car or property, such as repairs to a car, fence or building. You’ll have to pay out of pocket for any costs beyond your property damage liability limit.
Florida personal injury protection
$10,000 personal injury protection
Florida drivers are required to carry $10,000 worth of personal injury protection to legally drive.
This coverage helps pay for up to 80% of medical expenses up to $10,000 if you or your passengers are injured in an accident, regardless of fault.
Finder tip: Florida state minimum coverage isn’t enough
These state-mandated requirements are the lowest amount of coverage you need to legally drive in Florida, but may fall short if you’re in a major accident. To avoid high out-of-pocket costs after an accident, consider raising your liability limits by balancing coverage, your budget and what you can afford to pay out of pocket for certain damage.
In Florida, drivers pay for their own injury expenses
Florida is a no-fault state, which means that you pay for your own medical bills, lost income and other injury expenses after an accident, no matter who’s at fault. File a claim under your personal injury protection for these expenses.
However, your insurance company and legal authorities will determine who’s at fault for property damage like car repairs, according to the legal website Nolo. Florida considers whether drivers are partially at fault under its pure comparative fault law. Under this law, both drivers pay for the percentage of damage that they caused.
For example, if you’re 80% responsible for an accident, your insurance will pay 80% of the other driver’s damages. The other driver’s insurance will pay 20% of your damages.
Cheapest rates by age in Florida
“In Florida, drivers under age 25 can expect to pay above $200 per month for car insurance. Allstate rings in as one of the cheapest options costing $221 per month.
However, once you hit age 25, you might find Geico as your best bet in most age groups. Most other major companies don’t come close to Geico in the state, based on this analysis.”
Age
Allstate
Progressive
Geico
USAA
16-24
$220.69
$267.92
$229.91
$224.86
25-34
$185.04
$186.32
$175.35
$173.90
35-44
$176.11
$165.82
$161.29
$178.25
45-54
$171.24
$159.65
$138.69
$172.86
55-64
$153.11
$136.57
$124.34
$172.86
65+
$122.07
$136.22
$105.42
$146.08
Cheapest rates by gender in Florida
Rates between men and women stick close together across these major companies in Florida. Men might try a quote from Geico, while getting the best value for women could be a toss-up between Allstate and Geico.
Company
Allstate
Progressive
Geico
USAA
Men
$173.65
$169.58
$163.68
$191.75
Women
$169.10
$193.63
$169.15
$177.51
Sample rates in Florida from major car insurance companies
“We found Geico to give solid value for its car insurance in Florida, based on major insurers’ rates from Savvy. Geico charges an average of $166 per month, although you might pay less depending on your coverage, driving record and other factors.
You also could go with Allstate and lower your rate by joining Drivewise or Milewise. These programs track your driving and set rates based on your driving or mileage.”
Company
Allstate
Progressive
Geico
USAA
Rate
$171.37
$182.53
$166.42
$184.08
Best car insurance in Florida
Since you can’t predict what other drivers will do on Florida roads, we recommend looking for car insurance companies that offer ample coverage at a price you can afford.
When comparing the best car insurance companies, we looked at those highly rated by organizations like J.D. Power, Better Business Bureau and AM Best. We also considered companies suggested by locals and compared the companies’ coverage and discounts to ensure the best value.
Best customer service: Travelers
Travelers
4.5
★★★★★
Finder score
Travelers offers all the coverage you'd expect from an established brand, including extras like rideshare and gap coverage. Its app lets you access your ID card, file a claim, contact or even sign insurance documents. Or you can reach out to your local agent if you prefer more personal interactions.
Travelers brings top-notch service and nearly 170 years of experience when it lines up next to other major insurance brands. It's the tenth-largest auto insurance company in the US, showing that customers trust it with their insurance needs.
Pros
Nearly 14,000 local agents offer one-on-one support
High ratings from J.D. Power, BBB, AM Best and more
Discount up to 23% for claims-free driving record
Extra coverage, like accident forgiveness, rideshare and gap insurance
Allstate's pay-per-mile policy could shave 20% off your premiums if you drive under 10,000 miles per year — or over 50% if you drive significantly less than that. Milewise charges a base rate as well as a rate per mile. You'll plug a device into your car to track your driving, and then monitor your mileage in the Allstate app.
Aside from possible savings, you also get a policy backed by one of the largest US auto insurance companies. Allstate brings decades of experience and strong finances to the table.
Pros
Save 20% or more for driving under 10,000 miles per year
Pay by the mile and track your mileage in the app
Offered by a company with 90 years' experience in the industry
Give Auto-Owners a try if you're shopping for the best value for coverage and are interested in companies other than the main national brands. Auto-Owners serves customers with a human touch via independent agents, and its personalized touch may be why it's ranked highly for its customer service in Florida.
In terms of coverage, you won't miss out on options just for choosing a regional company. Auto-Owners offers coverage for roadside service, gap insurance, a car's diminished value after an accident and more.
Pros
Ranked No. 3 for customer satisfaction by J.D. Power in Florida
Local support through one of 48,000 independent agents
Competitive rates
Coverage and discounts on par with national brands
Cons
No online quotes or claims
Mixed experiences with using the app for policy management
Telematics
TrueRide
Gap insurance
Yes
Roadside assistance
Included free
Telematics
TrueRide
Gap insurance
Yes
7 factors that affect car insurance rates in Florida
Factors are characteristics specific to you that car insurance companies use to set how much you’ll pay for car insurance. The less risky each of your factors is the less you pay, the riskier you are the more you’ll pay. We’ll break down Floridian’s rating factors to keep in mind.
Factor
How it affects your rates
Age
How old you are is a top factor in determining your car insurance rates. With each passing year, you earn more experience on the road. More experience can equal cheaper rates. Teen drivers pay the most, but rates begin to level off around their 20’s with drivers over 50 paying the least.
Gender
Florida takes gender into account when determining your rates. Our analysis of Quadrant data found that men under 18 pay 17% more for car insurance compared to women of the same age. But, between 31 and 45, women see rates 5% higher than men. After 45, rates differ between men and women by only 1%, with women on the higher end.
Location
Where you live affects your rates, including where you park your car. High theft rates, high traffic, and a high number of uninsured drivers could mean higher rates.
Florida’s vehicle theft rate stands at 176.1 vehicle thefts per 100,000 inhabitants, according to the FBI’s most recent report on vehicle theft rates. That’s well below the national average of 246 vehicle thefts per 100,000 inhabitants.
As for uninsured drivers, 20.4% of Floridians on the road are uninsured. That takes 6th place for the highest percentage of uninsured drivers in a state across the US according to Insurance Information Institute.
Vehicle and mileage
Your car’s make, model and trim directly affect how much you’ll pay for car insurance. Things like its cost, safety ratings, the likelihood of theft, and sportiness all help insurers determine its cost to insure.
Safer and cheaper vehicles score the lowest rates, with luxury vehicles with higher repair costs resulting in higher premiums.
And, the more you’re on the road, the more at-risk you are to get in an accident, which means higher premiums. However, according to the Bureau of Transportation, Floridians drive an average of 33.4 miles per day, that’s below the average across the US of 36.1 miles per day.
Credit score
Your credit score is included in your credit-based insurance score which insurers use to help calculate rates. According to the Insurance Information Institute, there is a strong correlation between your insurance score and claims filings. A good credit-based insurance score could mean lower rates.
Floridians have many protections under state laws that regulate the use of your credit history when issuing car insurance policies. Insurers aren’t allowed to deny or cancel your coverage based on your credit history alone, though it can charge you more based on the risk associated with a lower credit score.
Coverage
The more coverage you get and the higher limits you choose, the more protection you’ll have and the more you’ll pay in monthly premiums. And, if you opt for full coverage car insurance that includes comprehensive and collision, the amount of your deductible weighs into your costs too, higher deductibles mean lower monthly premiums.
Driving Record
The better your driving record, the lower your premium. If you’re in an at-fault accident you could see rates increases from 20% to 50%. And DUI’s in Florida can increase your rate by around 40%. These types of violations typically stay on your record for about three years.
What about SR-22 insurance in Florida?
You’ll be notified by the state’s DMV if you need to file an SR-22 form, which proves you have enough car insurance to meet the state’s minimum liability requirements. Drivers in Florida that have been caught driving without insurance, have too many driving violations, or been convicted of a DUI may be required to file an SR-22. There are three types of SR-22 car insurance in Florida, and how long you’re required to have it depends on your offense(s). Learn more about Florida SR-22 insurance.
Coverage to consider in Florida
Floridians are no strangers to floods, storms, or other natural disasters. Florida also has a very high rate of uninsured drivers on the road, so some extra coverage may be worth the cost.
Floridians may want to consider comprehensive coverage
We’d recommend getting comprehensive coverage on your vehicle in Florida, even if you’re not financing. Comprehensive coverage is commonly known as “everything other than collision,” which means your vehicle could be covered in the event of flooding or theft. While Florida has a lower theft rate than the national average, damage from natural disasters can represent a major loss. Fortune reported that in 2017, around 1 million cars were destroyed by hurricanes Irma and Harvey – so comprehensive coverage could offer peace of mind when a storm brews.
Consider comprehensive coverage if . . .
You can’t pay for the cost of repairing or replacing your vehicle out of pocket.
You live in a state with harsh and severe weather.
You’re financing and your lender requires it.
There are lots of uninsured drivers in Florida . . .
. . . and that makes things risky for you. Uninsured or underinsured motorist coverage isn’t required in Florida, but with 20.4% of Floridians driving around without coverage, it might be a good idea to add it to your auto insurance policy. Uninsured or underinsured motorist coverage steps in to help cover the costs of medical bills or vehicle damage in the event that the at-fault driver didn’t have coverage or enough coverage. Consider uninsured or underinsured motorist coverage if . . .
You live in a state with a high population of uninsured drivers.
You don’t have health insurance.
You’re financing and your lender requires it.
Top 10 auto insurance companies in USA that serve Florida
We’ve pulled the top 10 companies by market share that offer coverage in Florida according to S&P Global. Compare top companies by three major rating agencies along with our overall score.
Better Business Bureau (BBB) rating measures how a business interacts with its customers, with the highest rating being A++.
J.D. Power determines customers’ overall satisfaction with their car insurer’s price, billing, claims and customer support. The higher the J.D. Power score out of 1,000, the better.
NAIC complaint index shows how a company’s number of complaints compares to similar companies of its size. Scores lower than 1.00 show the company receives less than the average number of complaints, and scores above 1.00 show more complaints than average.
Finder’s score shows you an overall look at the company by taking into account scores from each of these agencies as well as the coverage and discounts each company offers.
While car insurance tends to run on the high side in Florida, you can still find cheaper insurance compared to other companies with some of these top insurers.
To get these quotes, we compared rates for the same driver profile in a common zip code in this state.
Good credit
Married
Male
31-35 years old
2017 Toyota Camry LE
State minimum coverage
Which city has the cheapest car insurance in Florida?
Of Florida’s largest cities, Hollywood has the cheapest rates and Hialeah has the most expensive car insurance rates. Hialeah drivers could face rates 10 times more than Hollywood drivers.
Across the U.S., you’re bound to find variations in driving laws. If you live in Florida, or simply passing through, here are some insurance and driving laws to be aware of:
Florida requires car insurance to drive. Minimum, you must carry $10,000 property damage liability and $10,000 personal injury protection to stay on the road in Florida.
Florida requires more insurance for taxi drivers. If you’re a taxi driver, you must carry bodily injury liability of $125,000 per person, $250,000 per occurrence and $50,000 for property damage liability.
Florida’s cell phone driving laws. Florida prohibits manually typing (texting, emailing, etc.) on any handheld device while driving. In school and work zones, you can’t use handheld devices at all while driving. This is a recent law that went into effect on July 1, 2019.
No smog checks in Florida. There are no smog or emissions tests to register a vehicle in Florida. Smog/emissions tests did exist in the 90s, but they were abolished due to their high cost.
Teen driver curfew. Drivers at the age of 16 can’t be on the road between 11 p.m. and 6 a.m., unless driving to/from work or school, or they’re with a driver over the age of 21. Drivers at the age of 17 can’t be on the road between 1 a.m. and 5 a.m. unless driving to/from work or school, or they’re with a driver over the age of 21.
Out-of-state insurance policies in Florida. The minimum required insurance must be issued through a Florida agent with an insurance company licensed to sell in Florida. Ask your agent to transfer your current insurance to Florida when you register a vehicle in Florida.
Bottom line
Carrying auto insurance protects you, your family and fellow drivers. Research your insurance options to make sure that you’re receiving the coverage that you need — and that your state requires.
Compare car insurance to find the best rates and discounts and even temporary insurance and coverage for high-risk drivers.
Megan B. Shepherd is a personal finance editor at Finder where she helps people navigate the financial world of loans.
Her personal finance expertise has been featured on Forbes, Nasdaq, MediaFeed, Fox News, Time, Reviews.com, and carinsurance.com, adding invaluable information related to personal loans, financial strategies and smart borrowing tactics.
Megan graduated from the University of Texas at Dallas with a BS in Business Administration with an entrepreneurial focus. She's worked as a certified financial adviser and has earned certificates of completion from A.D. Banker & Company.
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