Cheap Auto Insurance in Florida 2023

Floridians live in the seventh most-expensive state for car insurance in the country, with average premiums at $323 per month. For comparison, the national average rate for car insurance is $100 cheaper, at $233 per month.

The Sunshine State’s exposure to hurricanes and flooding contributes to the higher cost of insurance in Florida. But comparing quotes from multiple insurers to find cheap car insurance can help Florida motorists hold down car insurance costs.

Best cheap car insurance in Florida: State Farm

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State Farm

Best Cheap Car Insurance in Florida

Cheap car insurance coverage is all about finding the right car insurance company for you. Here’s our list of the top insurance companies selling cheap car insurance to Florida drivers. Individual rates will vary based on factors like driving history and coverage level, but the top providers with the cheapest rates include State Farm, GEICO, and USAA.

Learn More: Best Car Insurance Companies

Insurify Composite Score (ICS)

To calculate the Insurify Composite Score, a proprietary rating, Insurify data scientists weigh multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score include J.D. Power ratings, Consumer Reports customer satisfaction surveys and customer complaints, mobile app reviews, user-generated company reviews, and financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch.

What to know about minimum car insurance requirements in Florida

If you operate a car or park it on a Florida road, you’ll have to insure the vehicle. You’ll need to carry proof of insurance in your car at all times and have it available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Florida^[1] are:

• $10,000 per accident for property damage liability: If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident. Florida is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.

• $10,000 per accident for PIP: Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

Florida DMV information

The state’s DMV office is called the Florida Department of Highway Safety and Motor Vehicles^[2] (FLHSMV). In person and online, Florida drivers can apply for or renew a driver’s license, pay a speeding ticket, register a vehicle or title, and access safety resources. You can find DMV locations in all of Florida’s 67 counties.

Public transportation in Florida

Buses through the Florida Public Transportation Association^[3] help Floridians travel affordably in most cities and counties. Trolleys are also a widespread transportation option, and more cities are following in Miami’s footsteps and offering bikesharing programs for people to travel from place to place at a low cost. Ridesharing services, like Uber and Lyft, are also available.

Tips for getting cheap car insurance in Florida

Shopping around for car insurance from a number of providers helps you understand your coverage options and find savings. With an online quote-comparison tool, you can compare quotes from regional and national providers before making any purchasing decisions. The best insurance provider for you depends on your insurance needs and driving history.

Choosing a higher deductible or lower coverage limits can also reduce your monthly and annual premiums. Just keep in mind, though, that lower coverage amounts and higher deductibles may leave you on the hook for more money in case of an accident that your insurance doesn’t cover.

Liability-only vs. full-coverage car insurance in Florida

If you live in Florida, your cheapest car insurance option will likely be liability-only auto insurance, which pays for expenses related to injuries and damage to the other party’s car if you cause an accident. Keep in mind, liability-only insurance doesn’t help you repair or replace your own car if you’re in an at-fault accident.

Each state sets its own minimums for how much liability insurance it requires drivers to carry. If you have a low-value vehicle, can afford to make repairs out of your own pocket, and getting the cheapest policy available is your top priority, liability-only insurance may make sense for you.

For a higher level of protection, you can choose full-coverage insurance, which includes basic liability plus collision and comprehensive coverage. Collision coverage pays for damages to your car, even if you’re at fault for an accident. Comprehensive pays for damages caused by events out of your control, like vandalism, weather, and animals. Auto lenders and leasing companies typically require drivers to carry full coverage on a car they’ve financed.

You may also opt for full coverage if:

• You have a high-value vehicle.

• You wouldn’t be able to afford to repair or replace your car out of pocket.

• Your car’s actual cash value (the payout you’d likely get if your car is totaled) exceeds your annual premium to carry full coverage.

Here’s a look at the cheapest auto insurance in Florida by policy type.

How your driving history affects Florida car insurance rates

Your driving history is the factor that most influences your car insurance costs. Good drivers — whose records are free of serious traffic violations like speeding tickets or reckless driving — tend to get the best car insurance rates in Florida. But infractions like driving under the influence or at-fault accidents can significantly increase insurance costs.

Here’s a look at average monthly quotes for the cheapest car insurance in Florida based on driving and accident history.

See More: High-Risk Car Insurance Florida

See More: SR-22 Insurance Florida

SR-22 insurance in Florida

The state of Florida has two special insurance certificates that you may need to reinstate your driver’s license if it gets revoked for a serious violation. An SR-22 — or FR-44 for DUIs and drug-related offenses — certificate will definitely hike your car insurance rates. That said, the companies below can help SR-22 and FR-44 drivers find affordable car insurance.

How credit scores affect Florida car insurance quotes

In Florida, a person’s credit score is something car insurance companies consider when setting premiums. Generally, people with excellent or good credit scores can qualify for lower car insurance premiums than people with average or poor credit scores.

See More: Bad Credit Car Insurance Florida

How your city affects Florida car insurance quotes

Florida is one of the most expensive states for purchasing car insurance, but rates will vary depending on what city you live in. Factors like population, crime rates, and climate influence these price fluctuations. Pricier cities in Florida include Fort Lauderdale, Miami, Orlando, and Tampa. Find average rates for the most populated Florida cities in the chart below.

How your age affects your Florida car insurance rates

Because insurers generally equate age with experience level, your age will significantly affect how much you pay for car insurance. New drivers, who tend to be teens or people in their early 20s, typically pay more for insurance than drivers 25 and older.

The following table gives a high-level view of how age can affect insurance rates.

Quotes for younger drivers

Since multiple other factors can affect the cost of car insurance in Florida, younger drivers may pay significantly more for car insurance — especially if they have some incidents on their driving records.

Quotes for middle-aged drivers

Generally, drivers see their car insurance premiums fall after age 25. Still, certain factors like whether they choose full coverage or a liability-only policy, can push their auto insurance costs up or down.

Quotes for senior drivers

Drivers in their 60s and older generally see much lower car insurance rates than younger motorists. Still, as age can decrease motor skills and vision, older drivers do often see their rates edge up a bit.

Florida car insurance FAQs

Insurify Insights

How Florida Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Florida below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Florida drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

Toyota Corolla

Most Popular Car in Florida

#42

State with the Most Speeding Tickets Rank

#36

State with the Moving Violations Rank

#50

State with the Most DUIs Rank

#35

State with the most Suspended Licenses

• Accidents in Florida

  While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Florida is the #28 state in the country for drivers with an at-fault accident on their driving record.

  • Rank among states: #28
  • Percent of drivers in Florida with an accident: 8.5%
• DUIs in Florida

  While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Florida is the #50 state in the country for drivers with a prior drunk driving conviction.

  • Rank among states: #50
  • Percent of drivers in Florida with a DUI: 0.6%
• Reckless Driving in Florida

  Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Florida is the #16 state in the country for drivers with a reckless driving offense on record.

  • Rank among states: #16
  • Percent of drivers in Florida with a reckless driving offense: 1.6%
• Rude Driving in Florida

  The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Florida is the #18 state in the country for drivers with a rude driving violation on record.

  • Rank among states: #18
  • Percent of drivers in Florida with a rude driving violation: 1.8%
• Speeding in Florida

  Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Florida is the #42 state in the country for drivers with a speeding ticket on record.

  • Rank among states: #42
  • Percent of drivers in Florida with a speeding ticket: 6.6%
• Failure to Yield Rates in Florida

  Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Florida is the #16 state in the country for drivers with a failure to yield violation on record.

  • Rank among states: #16
  • Percent of drivers in Florida with a failure to yield violation: 0.2%

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.