Compare car insurance in Florida

Top 10 most popular Florida auto insurance companies list

It’s no surprise that the biggest names in the auto insurance industry top the list for the most popular Florida auto insurance companies.

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.

Cheapest car insurance rates in Florida

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.

• Quote methodology: driver profile & coverage options

  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.

• Hialeah
• Miami
• Hollywood
• West Palm Beach
• Fort Lauderdale

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

• Is my out-of-state insurance policy acceptable in Florida?

  No. The minimum required insurance must be issued through a Florida agent with an insurance company licensed to sell in Florida. Most insurers have Florida agents and are licensed to issue policies in Florida. Just ask your agent to transfer your current insurance to Florida when you register a vehicle in Florida.

• How do I register my car in Florida?

  In order to register your car in Florida, you must have Florida auto insurance. Once you do, you can go to your local DMV to register your vehicle.

• Is gap insurance required in Florida?

  No, gap insurance in Florida isn’t required, unless your lender requires you to have. If you have a car loan, it might be a good idea to have it anyway, since gap coverage protects you if your car is totaled and your payout if less than the amount left on your loan.