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Cheap car insurance in Florida

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How to get cheap car insurance in Florida

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
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Compare Florida car insurance

Name Product Roadside assistance New car protection Accident forgiveness Available states
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All 50 states
As the nation’s second largest auto insurance company, Geico streamlines the process of purchasing car insurance.
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All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
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AZ, CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
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All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
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All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
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CA, IL
A new company with a minimalist approach to insurance. Find basic coverage, low rates and online-based service.
AZ, AR, CO, DE, GA, IL, IN, IA, KY, LA, MD, MI, MS, MT, NE, NM, ND, OH, OK, OR, PA, SC, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 24 states.

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Most popular Florida auto insurance companies list

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.

How does personal injury protection (PIP) coverage work in Florida?

Personal injury protection coverage will pay up to 80% of the medical costs incurred because of an accident and up to 60% for lost wages — regardless of who caused it. If there is any ambiguity surrounding who was at fault, you’ll still be protected.

Unlike most states, Florida allows you to waive bodily injury liability coverage through a signed agreement with your insurance company. This isn’t recommended though, as bodily injury liability coverage can help pay for the other driver’s accident-related medical expenses when you’re found at fault in an incident.

Some states require that you carry uninsured or underinsured motorist’s coverage (UM/UIM), which protects you if you’re in an accident caused by an uninsured driver. Florida does not require this, although most car insurance companies offer it.

Because Florida car insurance requirements are so sparse, insurance companies offer many additional insurance coverage plans.

  • Collision. Helps pay for repairs if your car is damaged in an accident.
  • Comprehensive. Protects you from non–crash related damages, like a fire or vandalism.
  • Towing and labor. Provides reimbursement for towing and labor required when your car is damaged in an accident.
  • Rental car coverage. Assists the expenses associated with renting a car after an accident.

Roadside assistance in Florida

Many insurers offer roadside assistance as an optional extra, and a few offer it free, typically when you buy collision and comprehensive coverage. Roadside assistance can be useful to Florida drivers who know traffic and road conditions can make for a stressful drive. Besides having a high collision rate due to the age and number of drivers on the road, Florida’s roads take a beating from the salt water and heavy rain conditions. Road drainage can be poor in certain areas, and a flash flood is not the time you want to be on the road. Roadside assistance can help you get your car to a safe place after an accident, hitting a pothole or finding yourself with a flooded car and nowhere to go.

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Uninsured drivers in Florida

Florida drivers are legally required to have insurance, but not everyone follows that law. According to the Insurance Information Institute, Florida has the highest rate of uninsured drivers in the nation — more than 26% of the state’s motorists drive without car insurance. For reference, the national average is only 12%.

This means approximately one in four motorists in the state are uninsured or underinsured, which can be dangerous for you and your passengers. It’s a very good idea to consider adding uninsured or underinsured motorist insurance to your policy.

Can I get temporary car insurance in Florida?

Yes, you can. You might need coverage for a short period for a borrowed car or rental car. It’s perfectly legal to purchase short term car insurance for less than six months, but most insurance companies won’t offer this option.

Your best option might be to call your current insurance provider or an online provider to find out your options. You can also find a policy that lets you cancel for no or low fees, and transfer to a more long term option when you’re ready.

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?

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