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Florida has some of the lowest car insurance minimums in the country, but it still pays to understand the state requirements, coverage options and how to find cheap rates on insurance in Florida.
Florida
Car insurance quick facts
10/20/10
Minimum liability requirements
$1,800
Average annual car insurance cost
60
Days to update your license
No-fault state
In no fault states, each driver pays for their own damages in an accident.
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Compare Florida car insurance
Most popular Florida auto insurance companies list
| Company | Direct premiums written (billions) | Market share |
|---|---|---|
| Geico | $5,160,726 | 25% |
| Progressive | $3,749,329 | 18% |
| State Farm | $3,014,788 | 15% |
| Allstate Corp. | $1,897,567 | 9% |
| USAA | $1,445,356 | 7% |
| Liberty Mutual | $623,916 | 3% |
| Travelers | $447,360 | 2% |
| National General | $405,860 | 2% |
| Kemper | $363,696 | 2% |
| Auto-Owners Insurance | $346,468 | 2% |
Average car insurance costs in Florida
Depending on where you do your research, Florida ranks fifth in the country for expensive car insurance; you can expect to pay in the range of $1,800 annually for your coverage, compared to the national average of around $1,300.
You could also fall well outside of the average depending on your driving record, your credit score, the kind of vehicle you drive and a handful of other factors.
No matter what insurance you go with, if you’re planning on driving in Florida, make sure that you carry proof of your insurance plan with you. You can also pull up digital versions of this ID on any smart device to prove your coverage.
Car insurance guides by city
Compare rates, requirements and driving tips with car insurance guides for your city.
Cheapest car insurance rates in Florida
| Company | Average annual rate | Learn more |
|---|---|---|
| State Farm | $905 | |
| Geico | $1,102 | |
| Metromile | $1,180 | |
| USAA | $1,226 | |
| Allstate | $1,486 | |
| AIG | $1,542 | |
| Mercury | $2,775 | |
| United | $5,974 | |
| Direct | $6,497 |
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.
Car insurance quotes in Hialeah
| Company | Annual car insurance rate |
|---|---|
| Allstate | $2826 |
| Direct | $11357 |
| Metromile | $2137 |
| Mercury | $5635 |
| Geico | $1418 |
Car insurance quotes in Miami
| Company | Annual car insurance rate |
|---|---|
| Allstate | $2920 |
| Direct | $8846 |
| Metromile | $1997 |
| Mercury | $4301 |
| Geico | $1418 |
Car insurance quotes in Hollywood
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1753 |
| Direct | $5399 |
| Metromile | $1743 |
| Mercury | $3955 |
| Geico | $1403 |
Car insurance quotes in West Palm Beach
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1857 |
| Direct | $7177 |
| Metromile | $1925 |
| Mercury | $4971 |
| Geico | $1969 |
Car insurance quotes in Fort Lauderdale
| Company | Annual car insurance rate |
|---|---|
| Allstate | $2368 |
| Direct | $7221 |
| Metromile | $1705 |
| Mercury | $4183 |
| Geico | $1586 |
State minimum car insurance requirements in Florida
In order to legally drive in Florida, you need liability insurance, which includes:
- $10,000 personal injury protection (PIP) coverage.
- $10,000 property damage liability coverage.
Can I get SR-22 insurance in Florida?
Yes, you can. You might need an SR-22 on file if you’ve gotten a DUI, lost your license or have too many violation points on your driving record. SR-22 tells the state you have the minimum coverage required to get back behind the wheel.
How to file an SR-22 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.
Frequently asked questions about car insurance in Florida
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