Car Insurance Discounts for Florida Drivers
Your job, the organizations you belong to, and your alma mater can all qualify you for car insurance discounts in Florida.
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Written byJamie Johnson
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6 years experience in personal finance writing
Featured on Credit Karma and Insider
Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.
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Edited bySara Getman
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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Table of contents
In Florida, the average monthly cost of full-coverage car insurance is $230, while liability-only coverage costs $150 per month. But if you’re looking for ways to lower your car insurance costs, discounts are a good way to do that.
Many discounts are widely available, while others may be particularly relevant to Florida drivers. For example, you may qualify for a car insurance discount based on where you attended school or where you work.
Let’s look at the best car insurance discounts for Florida drivers and how you can save money on car insurance.
Quick Facts
Florida State University and the University of Tampa are some schools that allow former students to secure an auto insurance discount.
AARP is a common affiliate discount for Floridians.
You can find cheap car insurance by raising your deductible, improving your credit, and shopping around.
Car insurance discounts for Florida drivers
Unlike general car insurance discounts, which are available to nearly everyone, certain discounts cater to Florida drivers. For example, you could earn a discount for attending a Florida university or becoming a member of a certain Florida-based credit union.
You may qualify for a discount just for being a member of certain organizations or associations. Here are some membership discounts you may be able to take advantage of:
AARP: Over 36% of Florida’s population is older than 50, which qualifies them for AARP membership. AARP partners with The Hartford to offer its members car insurance discounts. As an AARP member, you’ll receive an initial discount of 10% and could earn additional discounts.
Credit unions: Many credit unions partner with insurance companies to offer discounted rates to their members. For example, VyStar Credit Union, located largely in the Jackson area, offers discounts through its insurance partnerships.
Mature driver course: If you’re older than 55 and take a driving course that the Florida Department of Highway Safety and Motor Vehicles approves, you’ll receive a car insurance discount.
Some auto insurance companies offer alumni discounts to graduates of certain universities. Here are three alumni discounts available for graduates of well-known Florida colleges:
Florida State University (FSU): FSU alumni may be able to earn an alumni discount through the university’s partnership with Liberty Mutual.
University of Tampa: The University of Tampa offers car insurance discounts to alumni through its partnership with AMBA.
Florida Gulf Coast University: Liberty Mutual offers FGCU alumni a 10% discount on auto and home insurance.
Here are some occupational discounts available to Florida residents:
Accountants: Currently, more than 36,000 certified public accountants (CPAs) and over 5,000 CPA firms are licensed to practice in Florida. If you’re currently working as an accountant, the American Institute of Certified Public Accountants offers car insurance discounts through Liberty Mutual.
Military members: Florida has a significant number of active-duty personnel and over 12,000 members of the Florida National Guard. The state also has the third-largest veteran population in the country. GEICO and Liberty Mutual offer discounts to active-duty military members and veterans.
Nurses: Florida is also home to more than 326,000 registered nurses. Liberty Mutual partners with the American Nurses Association to offer car insurance discounts to all nurses.
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Car insurance discounts available to all drivers
Some discounts are broadly available to the majority of drivers, and all you need to do to find and take advantage of these discounts is to ask. Let’s look at some common insurance discounts, how much you could save, and who qualifies for them.
Driver-specific discounts
Driver-specific discounts are for people who display certain behaviors, like maintaining good grades or maintaining a low annual mileage.
The exact discount you receive will vary depending on your circumstances and insurer, but the following table outlines the average savings based on Insurify data.
Discount  | Savings | Who’s Eligible? |
|---|---|---|
| Active-duty military or veteran | 15%–25% | Active-duty military members and veterans |
| Safe driver | 22% | Safe drivers who haven’t received a ticket or had an at-fault accident for a certain number of years |
| Good student | 10%–15% | Full-time students who maintain a B average or higher |
| Defensive driving course | 5% | Drivers who complete an approved defensive driving course |
| Student away-from-home | Varies | Young drivers who live on campus at school at least 100 miles away from home and don’t have access to a vehicle |
| Homeowners | Varies depending on your insurer | Drivers who own their homes |
| Low-mileage | Varies depending on your insurer | Drivers who maintain below a certain number of miles |
Vehicle-specific discounts
Vehicle-specific discounts reward drivers for having specific features in their cars. This discount typically rewards drivers for features that make their vehicles safer, like anti-lock brakes and anti-theft devices.
Discount | Savings | Eligibility Requirements |
|---|---|---|
| Passive restraint | 30%–40% | Vehicles built after a certain year that have factory-installed airbags |
| Anti-theft | Up to 23% | Vehicles with factory-installed security systems |
| New vehicle | 10%–15% | Vehicles less than three years old, generally |
| Anti-lock brakes | Varies depending on the model year | Vehicles with factory-installed anti-lock brakes |
| EV/fuel-efficient discounts | Varies depending on your insurer | Vehicles that run on an alternative energy source |
Policy and insurer-specific discounts
Insurance companies also offer car insurance discounts based on specific types of policies and coverages. For example, you can earn a discount for bundling several types of insurance policies together or for paying your policy in full.
Discount | Savings | Who’s Eligible? |
|---|---|---|
| Telematics | 10%–30% | Drivers who display safe driving habits measured by a telematics program |
| Multi-vehicle | 7%–25% | Drivers who insure multiple cars with the same insurer |
| Bundling | 7%–25% | Drivers who bundle multiple insurance policies |
| Loyalty | Varies depending on your insurer | Drivers who remain with the same insurer for a consecutive number of years |
| Pay in full | Varies depending on your insurer | Drivers who pay their premiums annually instead of monthly |
| Paperless | Varies depending on your insurer | Drivers who opt out of receiving paper statements |
| Early shopper | Varies depending on your insurer | Drivers who secure a new policy before their current policy ends |
Cheapest insurers for Florida drivers
Drivers pay an average monthly cost of $190 for auto insurance in Florida. According to a recent Insurify report, that makes it the third-highest state for car insurance costs in the country. Florida’s car insurance costs also surpass the national average.
The above-average costs are largely due to Florida’s large number of natural disasters. Fortunately, Florida drivers can still save money by shopping around. Let’s look at the cheapest insurers in the state.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| State Farm | $69 | $88 |
| GEICO | $71 | $91 |
| Mile Auto | $113 | $144 |
| Allstate | $121 | $154 |
| Travelers | $144 | $183 |
| Direct Auto | $155 | $293 |
| Mercury | $163 | $208 |
| Root | $179 | $279 |
| Progressive | $182 | $273 |
| Infinity | $194 | $273 |
| Foremost | $207 | $315 |
| GAINSCO | $232 | $356 |
| Bristol West | $233 | $322 |
| Dairyland | $241 | $428 |
| National General | $265 | $271 |
| The General | $287 | $368 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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How to find cheap car insurance in Florida
Florida may have higher-than-average car insurance costs, but you can do several things to save money. Here are five ways you can reduce your car insurance costs in Florida:[1]
Increase your deductible
Choosing a higher deductible will lower your insurance premiums. Just make sure you can pay the deductible out of pocket if you need to file a claim.
Consider reducing your coverage
If you have an older, paid-off vehicle, you can cut costs by reducing your coverage to liability-only insurance.
Have good credit
Maintaining good credit will help you secure cheaper rates on auto insurance.
Choose a safer vehicle
You may be able to save on car insurance costs by choosing a vehicle with certain safety features.
Shop around
Shopping around and comparing policies from different insurers is the best way to save money and find the best policy terms.
How much car insurance do you need in Florida?
All Florida drivers are required to show proof of insurance before registering their vehicles. Here are the minimum car insurance requirements:[2]
Personal injury protection (PIP): $10,000
Property damage liability: $10,000
Florida’s minimum insurance requirements are very low, and most experts recommend purchasing more auto insurance than this. For example, you may also want to purchase bodily injury liability and uninsured motorist coverage.
Plus, Florida is a no-fault state, which means your insurance company must cover your medical expenses and property damage, regardless of who causes the accident.[3]
Car insurance discounts in Florida FAQs
The average cost of car insurance in Florida is higher than most other states, but you still have many ways to find cheap insurance. Here’s some additional information about finding discounts and saving money on car insurance.
Which company has the cheapest full-coverage rates in Florida?
State Farm offers the lowest rates for liability-only car insurance in Florida, with monthly liability rates of $69. But your exact rates will vary depending on factors such as your driving history, location, and policy.
What’s the minimum required coverage in Florida?
All Florida drivers must carry at least $10,000 in personal injury protection and property damage liability coverage. But most insurance experts recommend purchasing more than the minimum coverage requirements. It’s a good idea to talk to your insurance agent about how much coverage you need.
How can you lower your car insurance rates in Florida?
You can lower your car insurance rates in Florida by taking advantage of discounts, increasing your deductible, and reducing coverage on older vehicles. You can also save money by shopping around and comparing car insurance quotes from various insurers.
How can you get a discount on car insurance in Florida?
You can take advantage of discounts that are available to everyone, like bundling your home and auto insurance or paying for your policy in full. You may also be able to find car insurance discounts based on your employment, the organizations you belong to, or even the college you attended.
Sources
- III. "How to save money on car insurance."
- Florida Department of Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
- Florida Fam Bureau. "How Does a No-Fault Accident Work?."
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Jamie Johnson
Jamie Johnson is a Kansas City-based personal finance writer whose work has been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance. For the past six years, she's dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.
Jamie has been a contributor at Insurify since October 2022.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.