Cheap car insurance in Florida

How to get cheap car insurance in Florida

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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.

  • Top-rated insurer
  • Online quotes & claims
  • Bundle and save

Our top pick: Progressive

Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.

  • Top-rated insurer with 80 years of experience
  • Easy online sign-up and reporting
  • Multiple discounts available
  • Transparent quoting

Compare Florida car insurance

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy special benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
40%
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
15%
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.

Compare up to 4 providers

CompanyDirect premiums written (billions)Market share
Geico$5,160,72625%
Progressive$3,749,32918%
State Farm$3,014,78815%
Allstate Corp.$1,897,5679%
USAA$1,445,3567%
Liberty Mutual$623,9163%
Travelers$447,3602%
National General$405,8602%
Kemper$363,6962%
Auto-Owners Insurance$346,4682%

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

CompanyAverage annual rateLearn 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

CompanyAnnual car insurance rate
Allstate$2826
Direct$11357
Metromile$2137
Mercury$5635
Geico$1418

Car insurance quotes in Miami

CompanyAnnual car insurance rate
Allstate$2920
Direct$8846
Metromile$1997
Mercury$4301
Geico$1418

Car insurance quotes in Hollywood

CompanyAnnual car insurance rate
Allstate$1753
Direct$5399
Metromile$1743
Mercury$3955
Geico$1403

Car insurance quotes in West Palm Beach

CompanyAnnual car insurance rate
Allstate$1857
Direct$7177
Metromile$1925
Mercury$4971
Geico$1969

Car insurance quotes in Fort Lauderdale

CompanyAnnual 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

Which car insurance provider is best for me?

Looking to save on car insurance? Answer these three questions to find a provider that best fits your needs and budget.

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