Compare 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.

Our top pick: Progressive

Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.

• Broad coverage, including for custom car parts or ridesharing
• Transparent pricing tools that help you buy within budget
• Accident forgiveness on small claims or for staying claim-free
• Stack a variety of discounts for multiple cars, autopay or homeownership

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• Top auto insurance companies in Florida
• List of insurance companies in Florida

Compare Florida car insurance

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Name	Product	Roadside assistance	New car protection	Accident forgiveness	Safe driver discount	Available states
Progressive		Optional			30%	All 50 states	Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.	Get quotes More Info	Compare	loading Fetching your data...
USAA		Optional			Yes	All 50 states	Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.	Get quotes More Info	Compare	loading Fetching your data...
Allstate					13%	All 50 states	Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.	Get quotes More Info	Compare	loading Fetching your data...
Liberty Mutual		Optional			30%	All 50 states	Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.	Get quotes More Info	Compare	loading Fetching your data...
Esurance					40%	All states except AK, DE, HI, MT, NH, VT, WY	Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.	Get quotes More Info	Compare	loading Fetching your data...
Gabi		Optional	Optional		55%	All 50 states	Upload your current policy info and get quotes from 20+ companies who could get you a better rate.	Get quotes More Info	Compare	loading Fetching your data...
Farmers					15%	All 50 states	Say hello to a local Farmers agent who can help you find the best savings from a long list of coverage options.	More Info	Compare	loading Fetching your data...

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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

• 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.