Cheap Auto Insurance Quotes in Florida (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

Save on Car Insurance in the Sunshine State

As the third most populous state in the nation, it's no wonder that there are over twenty million registered vehicles in the state. 

With all those cars on the road, a solid auto insurance policy is essential for Sunshine State drivers of all ages and backgrounds. This guide to Florida car insurance will get you on the right path to the perfect policy for you and your lifestyle. Compare the cheapest and best quotes in Florida here.

Cheapest Car Insurance in Florida

Here are the cheapest carriers in Florida for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates for the twenty most populous cities in Florida.

Best Car Insurance in Florida

The Insurify Composite Score is calculated by analyzing multiple factors that indicate 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, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Florida. For the complete list, see Insurify's best car insurance companies.

Car Insurance in Florida

Auto insurance costs will vary between locations and insurance carriers. Insurify analyzed the latest data for the five most populous cities in Florida to find you the cheapest quotes in each of these metropolitan areas.

Miami, Florida's most populous city, is well known for its less than ideal traffic conditions. The metropolis ranks sixth for the cities with the worst traffic conditions, according to Insurify's recent data analysis of traffic congestion and commute times.

CityCheapest CarrierQuote
ProgressiveProgressive
$101/mo
Liberty MutualLiberty Mutual
$318/mo
ProgressiveProgressive
$225/mo
GEICOGEICO
$101/mo
ProgressiveProgressive
$172/mo
GEICOGEICO
$75/mo
ProgressiveProgressive
$129/mo
ProgressiveProgressive
$79/mo
ProgressiveProgressive
$120/mo
ProgressiveProgressive
$65/mo
ProgressiveProgressive
$101/mo
ProgressiveProgressive
$116/mo
ProgressiveProgressive
$82/mo
ProgressiveProgressive
$120/mo

Florida Driving Facts

Minimum Car Insurance Requirements in FL

All motor vehicles operated or parked on Florida roadways are required to be insured. Proof of insurance must be carried in your car at all times and must 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 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. The minimum limits required by Florida state is $10,000.  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

The state minimum amount of property damage liability coverag  required in the state of Florida is $10,000. 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

Cheapest Car Insurance Quotes in Florida by Profile

Here are the cheapest insurance companies in Florida based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Average rates may vary depending on the profile and background of the policyholder.

Cheap Car Insurance for Good Drivers

For Florida drivers with a clean driving record free of any moving violations, auto insurance rates may be significantly lower. Progressive offers the best options for good drivers in Florida, at $64 a month. With both cheaper premiums and additional safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.

Insurance CompanyQuote
Progressive
$64/mo
GEICO
$68/mo
State Farm
$128/mo
Mercury
$149/mo
Direct Auto
$160/mo

Cheap Car Insurance for Drivers with DUI

Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.

Insurance CompanyQuote
USAA
$74/mo
State Farm
$92/mo
AIG
$157/mo

Cheap Car Insurance for Drivers with an At-Fault Accident

The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.

Insurance CompanyQuote
USAA
$42/mo
State Farm
$92/mo
AIG
$136/mo

Cheap Car Insurance for Speeding Drivers

The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game. The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.

Insurance CompanyQuote
USAA
$42/mo
State Farm
$92/mo
AIG
$136/mo

Cheap Car Insurance for Young Drivers

If you’re under 40 years old in the state of Florida, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. USAA offers the cheapest car insurance rates for young drivers, averaging $36 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.

Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. Unlike most states, Florida 21-year-olds benefit from the state’s ban on using gender, education level, and credit score as factors when calculating premiums. This will generally help young Floridians lower their monthly payments. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.

Insurance CompanyQuote
USAA
$36/mo
GEICO
$60/mo
State Farm
$80/mo
MetLife
$99/mo
Allstate
$126/mo

SR‌-22 Insurance in Florida

If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of Florida on your behalf.

FL HSMV Information

With a population nearing 20 million, it’s no wonder the Florida Department of Highway Safety and Motor Vehicles in all 67 counties at 146 outposts around the state. Most offices are open weekdays from 8:30 AM to 5 PM, with some locations offering additional early-morning and weekend hours. The Florida DHSMV is notorious for long lines and waits times; beat the wait by making an appointment online using OASIS or calling before your visit.

At the FHDMV, Florida residents can access services like driver’s license and identification card registration and renewal, vehicle registration, and license plate pick-up. Many services are available online and via U.S. Mail for convenience. Regardless of where you live in the Sunshine State, an FHDMV outpost shouldn’t be too far.

State Rankings

Using a proprietary dataset of over 1.5 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We've been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We've also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Greenest Cities in Florida

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

When it comes to environmental issues in Florida, there's one growing crisis at the top of everyone's mind: the toxic algae bloom that's taking the state's southwestern coastlines by storm. In terms of automobile energy-efficiency regulation, Florida is one state that does not require smog and emissions testing for motor vehicles. The state of Florida offers many green driver incentives, including federal tax credit, rebates, and discounts through some car insurance carriers.

Greenes Cities

Lady Lake

Greenes Cities
% of Hybrids / Electrics
3%
Most Patriotic City

Most Patriotic City

Inverness

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Inverness won Insurify's Most Patriotic Cities Award for the state of Florida.

Road Statistics

Insurify used a recent report from TripNet to rank twenty-five states by roads in poor condition, structurally deficient bridges, and fatality rate per 100 million vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in Florida is vital for all car insurance shoppers hitting the road in The Sunshine State.

road with cars illustration

Road Rankings

4%Rural Roads in
Poor Condition

#24Ranked

3%Structurally Deficient
Rural Bridges

#16Ranked

1%Fatality Rate per 100M VMT
on Rural Roads

#8Ranked


FAQs - Florida Car Insurance

Is car insurance mandatory in Florida?

Yes. Drivers in Florida must have proof of auto insurance that meets the state's minimum requirements to drive in the state legally. If caught driving an uninsured vehicle, Floridians risk civil or criminal charges and fines ranging from $150 to $500. Drivers are required to keep proof of insurance on their person any time they are operating a vehicle on Florida roadways. Prior to registering a vehicle in the state of Florida, residents must show proof of Personal Injury Protection (PIP) and Property Damage Liability (PDL) auto insurance. PIP will cover 80 percent of all medical expenses up to $10,000 resulting from a car accident, regardless of who caused the accident. PDL will provide coverage for damages to another party's damaged property.

Will my credit score affect my car insurance rate?

Yes. Unfortunately, it can be challenging to find cheap car insurance in Florida if you have a poor credit score. Florida car insurers are permitted to use credit score as a factor when calculating the risk of any given policyholder, meaning they can hold your poor credit score against you. Insurers have found that drivers with poor credit histories are more likely to file auto insurance claims, thus increasing the insurance premiums of bad credit drivers to account for the increased risk. Depending on where you live in Florida, car insurance premiums fluctuate based on many factors, not just credit score.

Which insurance company offers the cheapest car insurance in Florida?

The best way to get the cheapest car insurance in Florida and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.