Florida car insurance quick facts
Minimum liability requirements
10/20/10
Average annual car insurance cost according to the NAIC
$1,520.99
At-fault state
In at fault states, the driver who caused the accident pays for damages.
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Get the cheapest car insurance in Florida for 2021
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 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.
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 your 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. |
 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. |
 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. |
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.
| 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% |
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.
| Company | Average annual rate | Learn more |
|---|---|---|
| State Farm | $905 | |
| Geico | $1,102 | Read review |
| Metromile | $1,180 | Get a quote Read review |
| USAA | $1,226 | Get a quote Read review |
| Allstate | $1,486 | Get a quote Read review |
| Mercury | $2,775 | Read review |
| United | $5,974 | Read review |
| Direct | $6,497 | Read review |
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 |
Compare car insurance providers in
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.
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