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.
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Compare Florida car insurance
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
| Company | Average annual rate | Learn 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
| 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 |
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.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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