DUI Car Insurance in Florida: Costs, Laws, and Cheapest Companies (2026)
Drivers in Florida with a DUI pay a monthly average of $178 for liability-only car insurance.
Secure. Free. Easy-to-use.
4.7 / 515K reviews
)
Written byCarley Clark
)
Carley ClarkInsurance Writer
5+ years experience in personal finance writing
Personal finance blogger
)
Edited byKatie Powers
)
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
){kind=small}
){kind=small}
)
Reviewed byDavid Marlett
)
David MarlettAdvisor
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Quick Facts
Full-coverage insurance after a DUI in Florida averages $306 per month — 31% higher than for drivers with a clean record.
Progressive has the most affordable liability rates after a DUI in Florida, averaging $101 per month.
A DUI in Florida stays on your record for 75 years, but maintaining a clean record afterward can help reduce the effect on your rates over time.
Cheapest car insurance quotes after a DUI in Florida
The average cost of Florida car insurance after a driving under the influence (DUI) conviction is $178 per month for liability-only coverage and $306 per month for full coverage, according to Insurify data.
Florida has one of the nation’s highest uninsured motorist rates, a factor that contributes to above-average insurance prices.[1] A DUI increases those costs even more, especially in metro areas like Miami, which has some of the state’s highest rates.
Progressive offers the cheapest car insurance after a Florida DUI, with an average rate of $101 per month for liability coverage. See average monthly liability-only quotes for drivers with a DUI in the table below.
The below rates in Florida are estimated rates current as of: Sunday, June 7 at 5:00 PM PDT.
Insurance Company  | Average Monthly Quote: Liability Only |
|---|---|
| Progressive | $101 |
| State Farm | $110 |
| Clearcover | $112 |
| Mile Auto | $115 |
| GEICO | $125 |
| Embark | $137 |
| Dairyland | $140 |
| Infinity | $152 |
| Direct Auto | $163 |
| GAINSCO | $165 |
| The General | $169 |
| Mercury | $176 |
| Bristol West | $187 |
| AssuranceAmerica | $191 |
| Allstate | $192 |
| National General | $196 |
| Root | $211 |
| Insurify Car | $212 |
| Travelers | $228 |
| Hugo | $277 |
| Mendota | $291 |
| First Acceptance | $297 |
| Liberty Mutual | $313 |
Disclaimer: Table data sourced from real-time Florida car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Florida may vary based on the policy buyer's unique driver profile.
Shop for Cheap Car Insurance in Florida
Monthly rates start at $101 for drivers with a DUI
Excellent
4.7 out of 5 based on 15,059 reviews
Secure. Free. Easy-to-use.
How a DUI affects car insurance rates in Florida
A DUI conviction in Florida raises car insurance premiums by an average of 31%. Several factors influence your rate, including:
Blood alcohol content (BAC) level: Florida’s BAC limit is 0.08%. If your BAC was 0.15% or higher at the time of arrest, you’ll face steeper penalties.
Prior offenses: Your rate increase may be more substantial if you have a previous DUI. Three DUIs within 10 years is a third-degree felony under Florida law, which could lead to higher premiums or non-renewal.
Age: Many accidents involve drivers younger than 25 and older than 65, according to the Florida Department of Financial Services (DFS).[2] Insurers use age as a rating factor, so a DUI may increase rates more for these age groups.
Coverage levels: After a DUI in Florida, you’ll need an FR-44 filing, which requires higher liability limits than the state minimum. More coverage typically means higher insurance rates.
The following chart shows average liability rates with and without a DUI.
The below rates in Florida are estimated rates current as of: Sunday, June 7 at 5:00 PM PDT.
Average Liability-Only Rates: With DUI vs. Without DUI
Insurance Company | With DUI | Without DUI |
|---|---|---|
| Progressive | $101 | $78 |
| State Farm | $110 | $80 |
| Clearcover | $112 | $85 |
| Mile Auto | $115 | $84 |
| GEICO | $125 | $92 |
| Embark | $137 | $105 |
| Dairyland | $140 | $102 |
| Infinity | $152 | $111 |
| Direct Auto | $163 | $119 |
| GAINSCO | $165 | $120 |
| The General | $169 | $127 |
| Mercury | $176 | $120 |
| Bristol West | $187 | $136 |
| AssuranceAmerica | $191 | $139 |
| Allstate | $192 | $140 |
| National General | $196 | $143 |
| Root | $211 | $154 |
| Insurify Car | $212 | $163 |
| Travelers | $228 | $166 |
| Hugo | $277 | $202 |
| Mendota | $291 | $224 |
| First Acceptance | $297 | $228 |
| Liberty Mutual | $313 | $228 |
Best car insurance companies after a DUI in Florida
Florida’s insurance market includes 2,052 licensed insurers, but the right one for you depends on your individual circumstances. We vetted the following companies based on rates, coverage options, verified user reviews, and third-party industry ratings to help you find the best car insurance companies in Florida.
Progressive: Best for cheap rates after a DUI in Florida
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 587 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $78/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $140/mo |
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Based on analysis of verified reviews collected by Insurify
Best in Florida for
Showing 75 reviews from Florida driversSee all 8,602 Progressive reviews
Verified Review
Reviewed in Florida on June 14, 2026
I saved substantial money and the transfer was easy.
Verified Review
Reviewed in Florida on June 5, 2026
Great company so far. I had State Farm before, but they kept increasing the price. It's better now.
Verified Review
Reviewed in Florida on June 5, 2026
Very good, no problems.
…
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company
Progressive offers some of the lowest rates for Florida drivers with a DUI on their record, according to Insurify data — particularly for liability-only coverage.
You can also access several discounts, including for bundling home and auto, setting up auto pay, and paying for your policy in full. Snapshot, Progressive’s usage-based program, also rewards safe driving with lower rates.
Pros
Affordable rates for Florida drivers with a DUI
Name Your Price tool for coverage that fits your budget
FR-44 filing capability
Cons
Poor Better Business Bureau customer review ratings
Lowest J.D. Power customer satisfaction ranking
Below-average J.D. Power claims satisfaction ranking
GEICO: Best for customer satisfaction after a DUI in Florida
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $92/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $186/mo |
4.0
Best choice in FloridaBased on 18,754 verified driver reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.8 | 2.9 |
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
Based on analysis of verified reviews collected by Insurify
Best in Florida for
Showing 75 reviews from Florida driversSee all 7,812 GEICO reviews
Verified Review
Reviewed in Florida on June 13, 2026
After 20 years with Geico, I never received a discount offer. But I feel secure and protected with the company!
Verified Review
Reviewed in Florida on June 12, 2026
I'm paying $404 monthly for insurance, and they say they're going by my credit score. I've never heard of that, but this will probably be my last time with GEICO.
Verified Review
Reviewed in Florida on June 11, 2026
Price is way too high compared to other companies.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
629
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
GEICO tied for the highest customer satisfaction score in Florida in the J.D. Power U.S. Auto Insurance Study. Customers also reported a lower-than-expected number of complaints to the National Association of Insurance Commissioners (NAIC).
After a DUI, GEICO will file your FR-44. It also offers competitive rates in Florida, along with its DriveEasy program, which can help you earn a discount if you demonstrate safe driving after a DUI.
Pros
Highly rated mobile app
A++ (Superior) AM Best financial strength rating
Available mechanical breakdown insurance
Cons
Below-average J.D. Power claims satisfaction ranking
Rates after a DUI may be higher than competitors’ prices
Direct Auto: Best for non-standard coverage after a DUI in Florida
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $119/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $202/mo |
How drivers feel about Direct Auto
Drivers appreciate the insurer’s helpful customer service and easy-to-use website. But they dislike the frequent and significant rate increases, especially for those with clean driving records. Some also report difficulties with roadside assistance.
Based on analysis of verified reviews collected by Insurify
Best in Florida for
Showing 32 reviews from Florida driversSee all 495 Direct Auto reviews
Verified Review
Reviewed in Florida on June 3, 2026
Very knowledgeable.
Verified Review
Reviewed in Florida on May 19, 2026
There have been some difficulties with them. The initial quoted price quickly became 300 percent greater. Several calls later, and there are still hiccups.
Verified Review
Reviewed in Florida on April 3, 2026
They're really difficult to reach, and in the 3 months, my rates have gone up! I need to find another insurance company.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
Not rated
Why we picked this company
Direct Auto specializes in insurance coverage for high-risk drivers and files your FR-44 directly with the state. The insurer offers flexible payment options and several car insurance discounts, including multi-car and driver education discounts.
For in-person help, Direct Auto has multiple locations in Florida, including Tampa, Orlando, and Jacksonville.
Pros
24/7 claim filing
DynamicDrive telematics program
Quotes available in person, online, or by phone
Cons
May find lower rates with some competitors in Florida after a DUI
Not ranked by J.D. Power
Poor Trustpilot rating
Our editorial team analyzed our proprietary data, more than 80,000 verified user reviews, and third-party industry ratings to choose the best insurers for drivers with a DUI in Florida. We also weigh rate affordability, coverage options, available discounts, customer satisfaction rankings, and financial strength.
How to get car insurance after a DUI in Florida
Getting auto insurance after a DUI in Florida can be more challenging than buying a standard policy. Follow these steps to get car insurance after a DUI in Florida:
Check your license reinstatement requirements. After a first-time DUI conviction in Florida, the state will automatically suspend your driver’s license for six months to one year. To reinstate your driving privileges, you’ll have to pass all required exams and pay reinstatement fees between $150 and $500.
File an FR-44 form. Florida requires an FR-44 after a DUI, not SR-22 insurance like most states. Your insurer files this form with the Department of Highway Safety and Motor Vehicles (DHSMV) on your behalf, proving you carry state-required liability insurance. You must maintain continuous coverage for three years after reinstatement.
Consider high-risk insurers. Non-standard insurers specialize in covering drivers with a DUI on their record. If you don’t own a vehicle, ask your insurer about whether a non-owner policy can meet Florida’s FR-44 requirements.
Adjust your insurance coverage. Once you meet your FR-44 requirements, consider raising your comprehensive and collision deductibles or adjusting your coverage levels to help lower your insurance costs.
DUI laws in Florida
Florida defines driving under the influence as operating a vehicle with a BAC of 0.08% or higher.[3] A DUI attorney can explain your rights, and many offer a free consultation.
Florida’s DUI penalties
The state of Florida takes drunk driving seriously, with DUI penalties increasing for repeat offenses:
First offense: Carries a fine of $500–$1,000 and up to six months in jail. A BAC of 0.15% or higher raises the fine to $1,000–$2,000 and imprisonment of up to nine months, plus a mandatory ignition interlock device for at least six months.
Second offense: Requires a fine of $1,000–$2,000, up to nine months in jail, and a mandatory ignition interlock device for at least one year.
Third offense within 10 years: Includes fines of at least $4,000 for a BAC of 0.15% or higher and a third-degree felony designation under Florida law.
How long a DUI stays on your record in Florida
Florida maintains DUI convictions on your driving record for 75 years, according to the Florida Department of Highway Safety and Motor Vehicles (FLHSMV).[4] Although insurers typically look back only a few years when reviewing your driving record and calculating your rates, the conviction itself stays on your driving history much longer.
Florida FR-44 requirements
Florida car insurance laws require an FR-44 certificate after a DUI charge. Your insurer files the FR-44 with the FLHSMV, proving your coverage of $100,000 in bodily injury liability per person, $300,000 per accident, and $50,000 for property damage liability (PDL).
You must maintain FR-44 coverage for three years from your license reinstatement date.
Minimum car insurance requirements in FL after a DUI
Because Florida is a no-fault state, all drivers must meet the state’s minimum car insurance requirements, including $10,000 in personal injury protection and $10,000 in PDL.
After a DUI, though, you’ll also have to carry liability insurance with the following limits:
$100,000 per person in bodily injury
$300,000 per accident in bodily injury
$50,000 in PDL
Under Florida’s FR-44 financial responsibility requirement, you must maintain these higher limits for three years after the state reinstates your license.
How long a DUI remains on your driving record depends on your state’s laws and varies significantly across the country. In Florida, convictions stay on your record for 75 years.
If you have repeat DUI offenses within five to 10 years, you’ll face more serious consequences under Florida law. You’ll lose your license permanently after a fourth conviction, no matter the timing.
Compare Florida Car Insurance Quotes
See quotes from top insurers in minutes
Excellent
4.7 out of 5 based on 15,059 reviews
Secure. Free. Easy-to-use.
How to lower DUI insurance costs in Florida
A premium increase after a DUI is unavoidable, but you can take action to limit how much it affects your insurance costs.
Compare quotes from multiple insurers. Florida ranks third nationally for property and casualty premiums written, according to the NAIC, so you have plenty of insurance options across the state. Rates for high-risk drivers vary significantly between insurers, so comparing quotes from multiple companies can help you find the best rate.
Take a defensive driving course. Florida statutes require insurers to reduce premiums for senior drivers 55 and older who complete an FLHSMV-approved accident-prevention course. Even if you’re a younger driver, ask your insurer whether similar defensive-driving discounts are available.
Raise your deductibles. Higher deductibles typically lower your premium. The Florida DFS recommends weighing how much you’ll save monthly against what you could afford to pay out of pocket after a claim.
Consider dropping full coverage. More than two-thirds of Florida drivers own their vehicles, according to Insurify data. This means many don’t have a lender requiring collision and comprehensive coverage. The Florida DFS suggests considering whether full coverage is worth it for your vehicle.
Never let your coverage lapse. Florida requires drivers to maintain continuous coverage on any registered vehicle. Since a coverage lapse can cause the state to suspend your license for up to three years, finding insurance after a DUI can be even more difficult and expensive.
DUI car insurance in Florida FAQs
About 0.63% of Florida drivers have a DUI on their driving record, according to Insurify data. The information below can help you find affordable DUI car insurance while meeting Florida’s FR-44 requirements.
What is the cheapest car insurance company in Florida after a DUI?
Progressive offers the cheapest car insurance rates in Florida for drivers with a DUI, averaging $101 per month for liability coverage. Rates can vary based on your age, driving record, and coverage levels.
How long will a DUI affect your car insurance premium in Florida?
A DUI can affect your premium for years, but how long depends on the insurer. Your rates typically decrease over time when you maintain a clean driving record.
How much is DUI insurance in Florida?
Florida drivers with a DUI pay an average of $178 per month for liability coverage and $306 per month for full coverage. Since rates vary by insurer, it’s a good idea to request quotes from several companies after a DUI to find the cheapest coverage.
What is FR-44 insurance, and who needs it in Florida?
FR-44 insurance is a certificate of financial responsibility required for Florida drivers with a DUI conviction. It mandates higher liability limits than the state minimum — $100,000/$300,000 for bodily injury and $50,000 for property damage — for three years following license reinstatement.
Can you switch insurance companies while carrying an FR-44 in Florida?
Yes. You can switch from your current insurer while carrying an FR-44, but your new insurer must file a new FR-44 certificate before your current policy ends. Any coverage gap can trigger an immediate license suspension.
Sources
- Insurance Research Council. "Auto Insurance Affordability in Florida."
- Florida Department of Financial Services. "Automobile Insurance Toolkit."
- The Florida Legislature. "The 2025 Florida Statutes."
- Florida Highway Safety and Motor Vehicles. "Questions About Driving Records."
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
)
Cheap Car Insurance for Teen Drivers in Florida
Progressive is the cheapest car insurance company for Florida teens, with rates averaging $132 per month for liability-only policies.
)
Best Car Insurance in Florida
State Farm, GEICO, and Auto-Owners offer some of the best car insurance coverage in Florida.
)
Best Car Insurance for Antique and Classic Cars in Florida
American Collectors, Hagerty, and Safeco offer Florida drivers the best classic car insurance.
)
Cheap Car Insurance in Florida With Bad Credit
Progressive has the cheapest car insurance in Florida for drivers with bad credit, with policies averaging $98 per month.
)
Non-Owner Car Insurance in Florida
Non-owner car insurance is for drivers who don’t own a vehicle.
)
Car Insurance Discounts in Florida
Florida drivers can save by taking advantage of usage-based insurance and safe driving discounts.
)
5 Best Home and Auto Insurance Bundles in Florida
State Farm, Allstate, and Progressive each offer worthwhile bundling opportunities to Floridians.
)
Car Insurance for High-Risk Drivers in Florida
Progressive offers the cheapest car insurance for high-risk drivers in Florida, averaging $88 per month for liability coverage.
)
Rideshare Insurance in Florida
Florida rideshare drivers and companies need to meet minimum insurance requirements that depend on the three phases of rideshare driving.
)
Gap Insurance in Florida
Florida doesn’t require gap insurance, but it’s a good idea to buy it if you have a lease or car loan.
)
Best Car Insurance in Florida for Senior Drivers
State Farm, GEICO, and Allstate are three of the best car insurance companies in Florida for senior drivers.
)
Florida Car Insurance Requirements in 2026
Florida drivers must have at least $10,000 in property damage liability and $10,000 in personal injury protection. If you fail to meet these minimums, the state can suspend your license.
Temporary Car Insurance in Florida: What Your Short-Term Options Really Are
Temporary car insurance policies aren’t available in Florida, but Insurify Car allows Sunshine State drivers to pay for coverage seven days at a time.
FR-44 Insurance in Florida: Cost, Requirements, and Cheapest Companies
The average cost of FR-44 insurance in Florida is $162 per month for liability-only coverage that meets state requirements following a DUI.
)
How to Get Car Insurance in Florida
Getting car insurance in Florida starts with understanding the state’s car insurance requirements. From there, you can compare quotes and coverage options to find a policy that fits your needs and budget.
)
Cheapest Full-Coverage Car Insurance in Florida
Florida drivers can find the cheapest full-coverage car insurance from State Farm, with rates averaging $129 per month.
)
Why Is Car Insurance So Expensive in Florida?
The average annual cost of car insurance in Florida is $2,723, which is 27% higher than the U.S. average of $2,144.
)
Cheap Car Insurance for Low-Income Drivers in Florida
Progressive has the cheapest liability car insurance in Florida, with an average rate of $78 per month.
)
Very Cheap Car Insurance With No Deposit in Florida
Find affordable Florida car insurance with low deposit options. Compare top insurers with minimum-coverage rates starting at $78 per month.
)
Cheapest Car Insurance in Florida After an Accident
Progressive is the cheapest insurer for Florida drivers after an accident, with full-coverage rates of $99 per month.
)
Cheap Car Insurance in Florida After a Speeding Ticket
Progressive is the cheapest car insurance company for Florida drivers with speeding tickets, with an average monthly premium of $91 for liability-only insurance.
)
How Much Is Car Insurance for an 18-Year-Old in Florida?
On average, 18-year-olds in Florida pay $315 per month for insurance. But gender, driving history, and vehicle type can all affect rates.
Average Car Insurance Cost in Florida
Drivers in Florida pay an average of $137 per month for liability insurance and $235 for full coverage.
)
Find a Car Insurance Broker in Florida
Florida is one of the most expensive states for car insurance, and a broker can be invaluable in helping you find affordable coverage.
)
Is Florida a No-Fault State for Auto Insurance?
Florida is a no-fault state. This means claims for injuries are filed with each driver’s insurance, while the at-fault driver’s policy pays for property damage.
)
Car Insurance Grace Period in Florida: Are You Covered After Buying a Car?
Florida’s car insurance grace period after buying a car can last from seven to 30 days. Any temporary coverage on a new car comes from your existing policy, and your insurer sets the length.
)
Can You Drive in Florida With a Foreign License?
You can drive a car in the Sunshine State with a foreign license until you become a resident.
)
Uninsured Motorist Coverage in Florida: What to Know
Uninsured motorist coverage in Florida is optional and covers costs like medical expenses, lost wages, and property damage when the at-fault driver has insufficient coverage.
)
How to Get a Florida Driver’s License
To get a license in Florida, you must pass a series of tests, pay a fee, and provide proof of identity.
Cheapest Car Insurance Quotes in Florida
Progressive offers the cheapest coverage in Florida, with an average liability rate of $78 per month. Shop real-time quotes for Florida and buy your policy all in one place with Insurify.
)
Cheapest Auto Insurance in Jupiter, Florida
Progressive offers the cheapest car insurance in Jupiter, with minimum-coverage policies as low as $69 per month.
)
Cheapest Auto Insurance in Palm Bay, Florida
State Farm offers the cheapest quotes in Palm Bay, with rates as low as $72 per month.
)
Cheapest Auto Insurance in Winter Haven, Florida
For the cheapest car insurance in the city, look to State Farm, with a liability rate of $78 per month.
)
Cheapest Auto Insurance in Spring Hill, Florida
Progressive has the cheapest liability rates in Spring Hill, starting at $83 per month.
)
Cheapest Auto Insurance in Gainesville, Florida
State Farm offers the cheapest car insurance in Gainesville, with minimum-coverage policies as low as $67 per month.
)
Cheapest Auto Insurance in Apopka, Florida
State Farm offers the cheapest car insurance in Apopka, with minimum-coverage policies as low as $81 per month.
)
Cheapest Auto Insurance in Daytona Beach, Florida
State Farm has the cheapest liability coverage in Daytona Beach, with an average rate of $75/mo.
)
Cheapest Auto Insurance in Clearwater, Florida
State Farm offers the cheapest car insurance in Clearwater, with minimum-coverage policies as low as $74 per month.
)
Cheapest Car Insurance in Riverview, Florida
Riverview drivers pay an average of $230 per month for liability car insurance.
)
Cheapest Auto Insurance in Davenport, Florida
With liability-only rates of $68 per month, State Farm is the cheapest car insurance company in Davenport.
)
Cheapest Auto Insurance in Panama City, Florida
Progressive is the cheapest car insurance company in Panama City, with liability-only rates of $64 per month.
)
Cheapest Auto Insurance in Melbourne, Florida
With monthly liability rates as low as $68, Progressive is the cheapest car insurance company in Melbourne.
)
Cheapest Car Insurance Quotes in West Palm Beach (June 2026)
The cheapest car insurance in West Palm Beach is from Progressive, with an average rate of $94 per month. I-95 congestion and coastal hurricane exposure along Lake Worth Lagoon are two of the biggest factors driving insurance costs in West Palm Beach.
)
Cheap Car Insurance Quotes in Ocala, Florida (June 2026)
State Farm offers the cheapest liability-only car insurance in Ocala, at $71 per month. Ocala’s inland location and lower population density help keep rates below the Florida average.
Cheap Car Insurance Quotes in Lakeland, Florida (June 2026)
State Farm is the cheapest insurer in Lakeland, with an average monthly rate of $74. Congestion on I-4 and accident risks influence Lakeland’s car insurance rates.
)
Cheapest Car Insurance Quotes in Fort Lauderdale, Florida (June 2026)
State Farm has the lowest liability car insurance rates in Fort Lauderdale, averaging $92 per month. A high rate of vehicle thefts and exposure to Atlantic hurricanes mean higher-than-average car insurance costs for Fort Lauderdale drivers.
Cheap Car Insurance Quotes in Hollywood, Florida (June 2026)
Progressive is the cheapest insurer in Hollywood, with an average monthly liability rate of $92. Hollywood’s car insurance rates are higher than the Florida average due to the city’s congestion and flood risk.
)
Cheap Car Insurance Quotes in Pensacola, Florida (June 2026)
Progressive is the cheapest insurer in Pensacola, with liability rates averaging $68 per month. Pensacola’s Gulf Coast location increases the risk of hurricanes and flooding, which can raise insurance premiums.
)
Cheapest Car Insurance Quotes in Tampa, Florida (June 2026)
Tampa drivers generally find the most affordable auto insurance quotes from State Farm, averaging $102 per month. Coastal hurricane and flood exposure contribute to Tampa’s higher-than-average car insurance rates.
)
Cheap Car Insurance Quotes in St. Petersburg, Florida (June 2026)
At $79 per month, Progressive offers the cheapest car insurance in St. Petersburg, Florida. St. Pete’s premiums tend to be higher than the state average due to its proximity to the coast, tourism, and traffic congestion.
)
Cheap Car Insurance Quotes in Cape Coral, Florida (June 2026)
State Farm offers the cheapest car insurance in Cape Coral, with an average rate of $71 per month for liability coverage. Cape Coral’s location on the Gulf Coast, along with its high exposure to hurricanes and storm surges, keeps comprehensive costs higher than in some inland cities.
)
Cheap Car Insurance Quotes in Tallahassee, Florida (June 2026)
State Farm has the cheapest car insurance rates in Tallahassee, with liability-only coverage averaging $71 per month. The city’s relatively low risk of theft and vandalism helps keep rates lower than the statewide average.
)
Cheapest Car Insurance Quotes in Orlando (June 2026)
State Farm is the cheapest car insurance company in Orlando, with an average rate of $87 per month for liability coverage. Tourism causes congestion along I-4, contributing to Orlando’s higher-than-average insurance premiums.
)
Cheapest Car Insurance Quotes in Bradenton, Florida (June 2026)
Progressive has the cheapest car insurance in Bradenton, with liability premiums averaging $74 per month. Storms and flooding may contribute to higher insurance rates in Bradenton.
Cheap Car Insurance Quotes in Pompano Beach, Florida (June 2026)
Progressive is the cheapest car insurer in Pompano Beach, with an average liability premium of $92 per month. Car insurance rates tend to be higher in this beach destination due to its high population density, crime rate, and coastal flood risk.
Cheapest Car Insurance Quotes in Port St. Lucie, Florida (June 2026)
State Farm provides the cheapest car insurance in Port St. Lucie, with an average liability rate of $74 per month. Storm flooding can affect driving conditions in Port Saint Lucie, especially on roads like Westmoreland Boulevard, Morningside Boulevard, Ballantrae, and Tesoro.
)
Cheapest Car Insurance Quotes in Sarasota, Florida (June 2026)
State Farm offers the cheapest liability car insurance in Sarasota, with an average monthly cost of $66. Sarasota’s high hurricane risk and busy roadways can affect how much you pay for coverage.
Cheapest Car Insurance Quotes in Fort Myers (June 2026)
Progressive offers the cheapest car insurance in Fort Myers, Florida, averaging $75 per month for liability coverage. Fort Myers faces hurricanes and flooding, which can raise average premiums for drivers.
)
Cheapest Car Insurance Quotes in Naples, Florida (June 2026)
State Farm has the cheapest car insurance in Naples, with an average liability rate of $69 per month. Naples sees heavier traffic during peak tourist months from late fall to early spring, especially on roads like Goodlette-Frank Road and U.S. Route 41.
)
Cheap Car Insurance Quotes in Jacksonville (June 2026)
State Farm offers the cheapest liability-only car insurance in Jacksonville, Florida, at $79 per month. A higher number of uninsured drivers in Duval County contributes to higher insurance costs for Jacksonville drivers.
)
Cheap Car Insurance Quotes in Kissimmee, Florida (June 2026)
Progressive is the cheapest insurer in Kissimmee, with an average liability rate of $86 per month. Kissimmee’s proximity to Walt Disney World and other attractions increases traffic and can affect insurance costs.
)
Cheapest Car Insurance Quotes in Miami (June 2026)
State Farm is the cheapest car insurance company in Miami, with monthly liability rates of $100. King Tides can cause street flooding even on clear days, which keeps comprehensive claims and Miami auto premiums high.
)
Carley ClarkInsurance Writer
5+ years experience in personal finance writing
Personal finance blogger
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
David MarlettAdvisor