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Cheap Car Insurance in Florida (With Quotes, May 2022)

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Charlie Mitchell

By: Charlie Mitchell

Edited by Jackie Cohen | Reviewed by licensed insurance agent, Shawn Powers

Last Updated May 10, 2022

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Quick Facts

  • The average cost of car insurance in Florida is $331 per month, or $3,972 annually.
  • AssuranceAmerica is the cheapest provider we found in Florida, with average premiums of $169 per month.
  • Your rates are determined by factors outside of your location, such as your age and driving record – but by comparing car insurance quotes, you can ensure you find the best rate for your circumstances.

Car Insurance in Florida

Palm trees, sunshine, the beach—these things are never hard to find in Florida. But cheap car insurance? That’s tougher. As one of the most populated states with a lot of distracted drivers, Florida doesn’t have the cheap car insurance rates that drivers in Wyoming or Vermont might be used to. But they can’t party in Miami, visit the Everglades, or stay warm all winter, can they?

See More: Cheap Car Insurance

See More: Cheap Car Insurance No Deposit

Cheapest Car Insurance in Florida

How much is car insurance in Florida?

The average cost of car insurance in Florida is $331 per month. However, keep in mind that what you pay for car insurance will depend on your age, gender, driving record, credit score, and other factors in your unique driving profile.

Cheap car insurance coverage is all about finding the right car insurance company for you. Here’s Insurify’s list of the top insurance companies selling cheap car insurance to Florida drivers. At the end of the day, your driving record, coverage needs, and credit score will determine which company will offer you the right insurance discounts and best rates.

Car Insurance CompanyAverage Monthly Quote
AssuranceAmerica Economy$169
Progressive$215
Direct Auto$218
National General$218
GAINSCO$238
Travelers$239
Bristol West$251
AssuranceAmerica$262
Safeco$278
Liberty Mutual$297
Dairyland$300
Mercury$317
Infinity$319
The General$321
Pronto$342
Midvale Home & Auto$359
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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Cheapest Liability Auto Insurance in Florida

Sometimes, minimum coverage is all you need. These companies have the cheapest liability insurance policies in the Sunshine State. Property damage liability covers damage to others’ property that you are responsible for if you are at fault in a car accident. And personal injury protection (PIP) covers your and your passengers’ medical expenses, regardless of fault.

Car Insurance CompanyAverage Monthly Quote
AssuranceAmerica Economy$148
Progressive$162
National General$165
Bristol West$186
GAINSCO$186
Direct Auto$189
Travelers$190
Safeco$203
Dairyland$217
AssuranceAmerica$236
Liberty Mutual$240
Pronto$248
The General$263
Midvale Home & Auto$271
Infinity$271
Mercury$277
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheapest Full-Coverage Auto Insurance in Florida

Full coverage goes beyond minimum coverage to include comprehensive coverage—which protects you from vandalism, theft, hurricanes, and other “acts of God”—and collision coverage —which protects you if, say, you swerve to dodge a gator and hit a telephone pole. Keep in mind that even with full-coverage insurance, you might still be liable for damage you cause.

These companies have the cheapest car insurance quotes for full-coverage auto insurance:

Car Insurance CompanyAverage Monthly Quote
AssuranceAmerica Economy$210
Direct Auto$239
National General$244
Progressive$248
Travelers$255
GAINSCO$276
AssuranceAmerica$287
Bristol West$295
Safeco$297
Liberty Mutual$330
Mercury$343
Infinity$349
The General$363
Dairyland$363
Midvale Home & Auto$390
Pronto$396
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Best Car Insurance in Florida

It’s important to find low auto insurance premiums, but that’s not the whole game. An insurance policy is a serious commitment. These insurance companies offer solid car insurance quotes, but they also earn high ratings from Insurify for financial stability and customer service, characteristics that the best car insurance companies all share.

Car Insurance CompanyICSAverage Monthly Quote
Safeco86$278
Liberty Mutual82$297
Travelers80$239
National General58$218
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: Best Car Insurance Companies

Insurify Composite Score

The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

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

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Florida Car Insurance Rates by Driving and Accident History

Your driving history has an important influence on your car insurance rates. But just because you have a DUI, speeding ticket, or an at-fault accident on your driving record—or all of the above—doesn’t mean that cheap auto insurance is out of reach. The way to find the best insurance policy for your driving history is to shop around carefully by comparing quotes.

See More: High-Risk Car Insurance Florida

Cheap Car Insurance for Good Drivers in Florida

It’s no surprise that good drivers get some of the cheapest auto insurance rates out there. These insurance companies are lining up to provide insurance coverage to Florida drivers with clean driving records.

Car Insurance CompanyAverage Monthly Quote
AssuranceAmerica Economy$158
Direct Auto$201
National General$201
Progressive$206
GAINSCO$227
Travelers$232
Bristol West$239
AssuranceAmerica$240
Safeco$264
Dairyland$272
Mercury$291
Liberty Mutual$294
The General$303
Infinity$303
Midvale Home & Auto$326
Pronto$329
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheap Car Insurance for Drivers with DUI in Florida

You know DUIs are serious, and they can cost you serious money by raising your insurance premiums. The auto insurance companies in this table are still offering affordable car insurance to drivers in Florida with DUIs on their driving records. So if you’re looking for a cheap auto insurance policy in the Sunshine State and you have a DUI, start here.

Car Insurance CompanyAverage Monthly Quote
AssuranceAmerica Economy$116
Progressive$214
National General$215
Liberty Mutual$224
GAINSCO$230
Travelers$239
Direct Auto$244
Safeco$270
AssuranceAmerica$276
Pronto$301
Bristol West$303
Dairyland$303
The General$322
Infinity$339
Midvale Home & Auto$381
Mercury$403
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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 you get it revoked for a serious violation. Called an SR-22—or FR-44 for DUIs and drug-related offenses—this high-risk insurance will definitely hike your car insurance rates. But these companies can help get SR-22 and FR-44 drivers affordable car insurance:

Cheap Car Insurance for Drivers with an At-Fault Accident in Florida

If you’re involved in an at-fault accident, there’s no question your car insurance rates will go up. But not all companies will treat car accidents the same. Take Progressive, which has a strong accident forgiveness policy. These other companies have the cheapest auto insurance quotes for Florida drivers with an at-fault accident on their driving record:

Car Insurance CompanyAverage Monthly Quote
AssuranceAmerica Economy$223
Progressive$234
Travelers$255
National General$284
Direct Auto$293
GAINSCO$293
Bristol West$298
Liberty Mutual$319
Safeco$338
AssuranceAmerica$346
Infinity$377
The General$403
Dairyland$405
PRonto$408
Mercury$429
Midvale Home & Auto$497
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheap Car Insurance for Drivers with Speeding Tickets in Florida

With a speeding ticket on your driving history, you won’t be offered the cheapest car insurance right off the bat. It’ll take some extra bargain hunting. These average rates are car insurance quotes for drivers with speeding tickets in the state of Florida. To get cheap insurance premiums despite that time your foot got a little heavy on the gas, this list is a good place to start.

Car Insurance CompanyAverage Monthly Quote
AssuranceAmerica Economy$196
GAINSCO$256
Direct Auto$258
Progressive$262
Travelers$270
National General$270
Bristol West$285
Safeco$290
Liberty Mutual$301
AssuranceAmerica$302
Dairyland$349
Infinity$357
The General$363
Pronto$368
Mercury$376
Midvale Home & Auto$459
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Florida Car Insurance Rates by Credit Tier

Your credit score can help you get cheap car insurance if it’s really good—but if you have poor credit, don’t despair – there’s always a way to raise your credit score. In Florida, an excellent credit score can bring your average rates down nearly $140 per month. Raising your credit score is an awesome way to get cheap car insurance.

Credit TierAverage Monthly Quote
Excellent$247
Good$263
Average$307
Poor$382
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Car Insurance Rates in Florida Cities

Orlando is the city where dreams come true. But if your dreams include affordable car insurance, you won’t be so lucky. Not surprisingly, Miami and Tampa are the most expensive cities for Florida drivers to buy liability coverage. In north Florida—Pensacola, Tallahassee, Ocala—you’ll have the best shot at cheap auto insurance.

Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Florida Car Insurance Rates by Driver Age

Florida is a popular retirement destination for a reason; Florida drivers in their elder decades pay the lowest insurance premiums around. Young drivers get hit with the highest car insurance rates, as in every other state, but once you exit your 20s, your insurance premiums decline rapidly as you advance in age. Well, kids, it’s something to look forward to.

Age GroupAverage Monthly Rate
Teenagers$541
Under 25$434
20s$351
30s$290
40s$293
50s$269
60s$239
70s$239
80+$261
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Florida Driving Facts

Every state has minimum insurance requirements, and Florida is no exception. Additionally, all drivers in Florida will have to visit their local DMV and may at some point need to rely on public transportation. The following sections break down minimum insurance requirements, DMV services, and public transit options in Florida.

Minimum Car Insurance Requirements in Florida

The minimum liability insurance requirements for private passenger vehicles are as follows:

  • $10,000 no-fault or personal injury protection (PIP) insurance

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Florida law.

  • $10,000 property damage liability (PDL) insurance

If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident, up to the declared coverage limit.

Florida DMV Information

The Florida DMV goes by a bizarre acronym. It’s technically called the Florida Department of Highway Safety and Motor Vehicles (FLHSMV). Talk about word salad!

The FLHSMV is the place for Florida drivers to apply for or renew a driver’s license, pay a speeding ticket, register a vehicle and get a title, and access safety resources. They even have a podcast! There are DMV locations in all of the state of Florida’s 67 counties, and many of the services you can get in person are also available online.

Public Transportation in Florida

Buses help Floridians navigate most of the cities and counties with affordable service. Trolleys are also a widespread transportation option in town, and more cities are following in Miami’s footsteps and offering bikesharing programs so you can cruise from the beach to the bar at a low cost.

Florida New Car Insurance Grace Period

What is a new car insurance grace period in Florida?

Most insurance companies provide policyholders with a grace period to insure a new vehicle—though these policies vary by state law and insurance provider. Florida drivers typically have somewhere between 2 and 30 days to insure their new vehicle, but no Florida law sets a specific grace period. For this reason, drivers should check for specifics with their provider.

Despite having a grace period to insure their new vehicle, Florida drivers should prioritize insuring their car shortly after purchasing it to ensure they do not overlook the requirement. Failure to insure a car in Florida can result in high premiums for a future policy and increased financial risk in the event of an auto accident or offense occurring after the set grace period.

What happens if you have a traffic incident or accident during the grace period?

No one plans on having a car accident or receiving a ticket for a traffic offense, but it happens—even with a brand-new car. Florida drivers with existing insurance coverage who get into an accident or traffic offense during their provider’s grace period will not be treated as uninsured motorists. The amount of coverage extended may vary by provider.

In the event of an accident or traffic violation by drivers in the new car grace period, insurance providers typically extend the policyholder’s existing insurance coverage plan for the new vehicle. The driver will still be expected to cooperate with any necessary state penalties or fines in relation to the event, and uninsured motorists will face heavier penalties for the incident.

Is a grace period a good time to reevaluate your insurance coverage?

Yes, it is always a good idea to check in on your insurance needs when purchasing or renewing an auto insurance policy. Premiums from all insurance providers fluctuate over time, so a policy that worked for you a year ago may be more costly now. Insurify’s comprehensive quote-comparison tool allows users to easily shop around and compare insurance rates to find the most affordable coverage for their needs.

Best Home and Auto Insurance in Florida

Many Floridians own their homes—around 68 percent, in fact, according to the United States Federal Reserve—and need both home and auto insurance coverage. Insurance companies that offer both home and auto coverage typically provide bundling discounts for customers to save. Rather than paying two separate premiums for more, customers can pay one for less.

How to Find the Cheapest Home and Auto Insurance in Florida

Before locking in the decision to bundle policies, individuals shopping around for insurance must consider affordable policies from companies that best match their insurance needs. Using the Insurify quote-comparison tool allows users to conveniently compare potential rates from the insurance providers in their consideration. No one-size-fits-all policy exists, so try it out today!

Best and Cheapest Car Insurance Companies for Home and Auto Insurance Bundling in Florida

Costs of home and auto insurance policies vary. On average, Floridians pay $299 monthly for home insurance and $331 monthly for car insurance, and both averages exceed the national average rates. To help Floridians secure affordable coverage, Insurify identified the state’s three top insurers for home and auto insurance—in addition to a few honorable mentions to consider.

Top insurance providers for Florida home and auto insurance policies include Progressive, State Farm, and Allstate. All three of these companies offer affordable rates, opportunities for discounts, and more to provide their policyholders with quality coverage. Other companies to check out include GEICO, Liberty Mutual, USAA, and various smaller regional providers.

How much do Floridians save by bundling home and auto insurance?

On average, Floridians save between 5 and 15 percent on premiums by bundling their home and auto insurance, according to the Insurance Information Institute. That said, some insurance providers tout up to 30 percent in discounts. Ultimately, the amount of money saved through bundling will depend on both the individual and the insurance provider.

How to Get the Cheapest Car Insurance in Florida

The cheapest car insurance doesn’t always go to the drivers with the clean driving record and most stellar credit score. The Florida drivers who take the time to compare quotes from as many insurance companies as possible and hunt for the best insurance discounts are rewarded with the lowest auto insurance premiums.

But doesn’t it sound like a pain to scour one of the largest markets for auto insurance in the country for car insurance quotes? That’s why Insurify is so amazing: in the time it takes to get one auto insurance quote—only a few minutes—you’ll get a personalized slate from the top insurers, all for free.

Frequently Asked Questions

  • Florida has mandatory liability insurance that takes two forms: personal injury protection (PIP), which covers your medical expenses no matter who is at fault in the accident (this is why Florida is called a no-fault state); and property damage liability coverage (PDL). Florida drivers need $10,000 of PIP and PDL to meet the minimum coverage requirements.

  • Full-coverage car insurance is the most expensive policy you can buy, so if you drive a beater and are really on a budget, you’ll get better rates with minimum liability coverage or by lowering your deductible. But the surefire way to get the best car insurance rates is to compare car insurance quotes from all the insurance providers you can find.

  • On average, car insurance premiums are $331 per month in Florida, according to Insurify. But that will vary depending on your coverage options, credit score, driving history, the value of your vehicle, the coverage limits you need, and whether you drive in Miami or elsewhere.

  • With one of the highest rankings for distracted driving and overall accidents, Florida sees insurance providers charge high rates for Florida auto insurance. It’s a crowded state with a huge population and cities congested with traffic, all of which contribute to making auto insurance rates consistently higher than the national average.

  • Yes, minimum coverage requirements under Florida law stipulate that you must have $10,000 of personal injury protection (PIP) on your car insurance policy. PIP is like bodily injury liability, but it’s for your own medical expenses rather than someone else’s since Florida is a no-fault state.

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

Toyota Corolla

Most Popular Car in Florida

#39

State with the Most Speeding Tickets Rank

#43

State with the Moving Violations Rank

#51

State with the Most DUIs Rank

#34

State with the most Suspended Licenses

  • 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 #31 state in the country for drivers with an at-fault accident on their driving record.

    • Rank among states: #31
    • Percent of drivers in Florida with an accident: 9.65%
    • Percent of all U.S. drivers with an at-fault accident: 10.18%
    • Drivers in FL who have a current at-fault accident on their driving record pay 33.73% more on average than drivers with a clean record.
  • Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Florida is the #39 state in the country for drivers with a speeding ticket on record.

    • Rank among states: #39
    • Percent of drivers in Florida with a speeding ticket: 7.57%
    • Percent of all U.S. drivers with a speeding ticket: 9.18%
    • Drivers in FL with a speeding ticket in their driving history pay on average 21.96% more than drivers with a clean record.
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Florida is the #51 state in the country for drivers with a prior drunk driving conviction.

    • Rank among states: #51
    • Percent of drivers in Florida with a DUI: 0.89%
    • Percent of all U.S. drivers with a DUI: 1.65%
    • Drivers in FL with a DUI in their driving history pay on average 16.86% more than drivers with a clean record.
  • 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 #15 state in the country for drivers with a rude driving violation on record.

    • Rank among states: #15
    • Percent of drivers in Florida with a rude driving violation: 2.17%
    • Percent of all U.S. drivers with a rude driving violation: 1.68%
    • Drivers in FL with a rude driving violation in their driving history pay on average 18.43% more than drivers with a clean record.
  • 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 #22 state in the country for drivers with a reckless driving offense on record.

    • Rank among states: #22
    • Percent of drivers in Florida with a reckless driving offense: 0.13%
    • Percent of all U.S. drivers with a reckless driving offense: 0.0949%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Florida is the #21 state in the country for drivers with a failure to yield violation on record.

    • Rank among states: #21
    • Percent of drivers in Florida with a failure to yield violation: 0.4%
    • Percent of all U.S. drivers with a failure to yield violation: 0.36%
    • Drivers in FL with a failure to yield violation in their driving history pay on average 20.78% more than drivers with a clean record
  • Having a squeaky-clean driving record is an impressive accomplishment. Some states have consistently safer drivers than others; Florida is the #10 state in the country for drivers with a clean record.

    • Rank among states: #10
    • Percent of drivers in Florida with a clean record: 83.27%
    • Percent of all U.S. drivers with a clean record: 82.17%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Florida drivers rank #15 in hybrid and electric vehicle ownership across all fifty states.

    • Rank among states: #15
    • Percent of drivers in Florida with a hybrid/electric vehicle: 1.15%
    • Percent of all U.S. drivers with a hybrid/electric vehicle: 2.4%
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.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Charlie Mitchell
Charlie Mitchell
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Content Writer at Insurify

Charlie Mitchell is a journalist, researcher, and copywriter living in Minneapolis. He's contributed to Vox, Mother Jones, The New Republic, and other magazines and websites.

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