Cheapest Full-Coverage Car Insurance in Florida (2026)
Florida drivers can find the cheapest full-coverage car insurance from State Farm, with rates averaging $129 per month.
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Quick Facts
Full-coverage car insurance in Florida averages $235 per month, compared to the national average of $186 monthly.
Florida’s exposure to severe weather contributes to its higher full-coverage premiums, since comprehensive coverage pays for non-collision damage like hail strikes and flooding.
Car insurance rates have been falling in Florida since last year, with multiple insurers requesting rate decreases and some issuing refunds to customers.
Cheapest full-coverage car insurance in Florida
The average cost of full-coverage car insurance in Florida is $235 per month. But rates vary from insurance company to insurance company. In Florida, State Farm offers the lowest full-coverage rates, on average.
The table below shows where you can find the cheapest car insurance quotes for full coverage in the Sunshine State.
The below rates in Florida are estimated rates current as of: Sunday, June 7 at 5:00 PM PDT.
Insurance Company  | Average Monthly Quote: Full Coverage |
|---|---|
| State Farm | $129 |
| Progressive | $140 |
| Mile Auto | $157 |
| Mercury | $179 |
| GEICO | $186 |
| National General | $188 |
| Direct Auto | $202 |
| Clearcover | $206 |
| Bristol West | $212 |
| Allstate | $223 |
| The General | $239 |
| AssuranceAmerica | $252 |
| Embark | $254 |
| Infinity | $254 |
| Travelers | $266 |
| Root | $278 |
| GAINSCO | $281 |
| Liberty Mutual | $296 |
| Dairyland | $313 |
| First Acceptance | $330 |
| Mendota | $347 |
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.
How much is full-coverage car insurance in Florida?
Full-coverage car insurance in Florida averages $2,817 annually. That’s higher than the national average but still below the averages in neighboring states like Georgia and Louisiana.
Many factors affect insurance rates. In Florida, exposure to severe weather risks, accident rates in your area, and the number of uninsured drivers all contribute to higher costs. The state’s no-fault car insurance laws can also push rates higher.
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How to find cheap full-coverage car insurance in Florida
Full-coverage car insurance in Florida can be expensive — especially if you opt for more than the minimum coverage required under state law. But you can find ways to reduce your costs while getting the financial protection you need. Here are some options to consider:
Ask about discounts. Many companies offer car insurance discounts for safe driving, good grades (for students), installing anti-theft devices, or enrolling in defensive driving courses. Ask about available discounts when getting an insurance quote.
Increase your deductible. Raising your collision or comprehensive insurance deductible can lower the cost of comprehensive and collision coverage by 40% or more, according to the Insurance Information Institute. But be sure you can afford to cover the deductible you choose.
Bundle policies. You might qualify for a discount when you buy car insurance and homeowners, renters, or life insurance policies from the same company.
Maintain a clean driving record. Avoiding accidents and tickets helps you qualify for lower rates.
Improve your credit. Insurance companies in Florida can use your credit history to determine rates, so paying your bills on time and reducing debt can help lower your premiums.[1]
Compare quotes from multiple companies. Rates vary from company to company. Shopping around and getting an insurance quote from at least three companies can help you find the best price.
What full-coverage car insurance covers in Florida
Full-coverage car insurance isn’t a specific type of insurance policy — it’s a combination of different types of insurance coverage that protect you financially in various situations.
A full-coverage policy in Florida includes the state’s minimum coverage requirements, along with collision and comprehensive coverage.
Personal injury protection
If you get into a car accident, PIP coverage helps pay for your and your passengers’ medical bills and lost wages, regardless of fault.
Property damage liability
If you cause an accident, this coverage pays for damage to the other driver’s vehicle or property, such as fences or mailboxes.
Collision coverage
If you hit another car or an object (like a tree) or experience a single-car accident, collision insurance pays for damage to your vehicle, regardless of fault.
Comprehensive coverage
Your comprehensive insurance covers damage to your vehicle from non-collision incidents, such as theft, vandalism, hail, or falling tree branches.
For additional protection, your car insurance policy can also include the following optional coverages:
Bodily injury liability coverage
If you’re at fault for an accident, bodily injury liability covers the other driver’s medical expenses, lost wages, and pain and suffering.
Uninsured/underinsured motorist coverage
A UM/UIM policy pays for your injuries and property damage if a driver without insurance, or with insufficient insurance, hits you. It helps fill the gap when the other driver can’t cover the cost of the accident.
Medical payments coverage
A MedPay policy can cover your and your passengers’ medical bills, regardless of fault.
Like in other states, you’ll need to meet Florida car insurance requirements to drive legally. The state’s minimum coverage requirements are relatively low compared to other states. Here’s what it requires:[2]
Personal injury protection: Florida drivers need a minimum of $10,000 in PIP coverage. This covers 80% of the cost of injuries to you and your passengers, up to the policy limit.
Property damage liability: Florida drivers must have a minimum of $10,000 in PDL coverage. This covers the damage you or someone driving your vehicle causes to another person’s property.
Unlike most states, Florida doesn’t require bodily injury liability coverage. That’s because Florida is a no-fault car insurance state. This means all drivers must carry PIP insurance to cover medical bills for themselves and their passengers.
Car insurance experts recommend purchasing higher liability limits than required by minimum coverage laws. If you cause an accident and the other party’s damages exceed your policy limits, you may be personally responsible for the remaining costs.[3]
Minimum vs. full-coverage car insurance in Florida
More than 67% of Florida drivers own their vehicles outright, Insurify data shows. Those drivers could legally opt for state-minimum coverage instead of full coverage.
But Florida presents some driving risks that make full-coverage a good idea, even if you don’t have a leased or financed vehicle. For example, liability-only coverage won’t pay to repair or replace your vehicle in case of damage from severe weather. You’ll need comprehensive coverage, a part of a full-coverage policy, for that.
The following table shows a side-by-side comparison of minimum and full-coverage in Florida.
Factor | Liability Only | Full Coverage |
|---|---|---|
| Average monthly cost in Florida | $137 | $235 |
| Average annual cost in Florida | $1,642 | $2,817 |
| Covers damage to your own car | No | Yes |
| Covers damage to other car | Yes | Yes |
| Has deductible | No | Yes, separate deductibles for comprehensive and collision |
| Car loan/lease requirement | No (but required by state law) | Yes |
| Financial risk | You’ll pay for damage to your own vehicle if you cause an accident | Premiums are higher than for liability-only policies |
| Best for | Older, paid-off, low-value vehicles | Newer, high-value vehicles and leased or financed cars |
Disclaimer: Table data is based on real-time Florida quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Is full-coverage car insurance worth it in Florida?
Full-coverage car insurance typically costs more than a minimum-coverage policy, but it’s often worth the extra expense — especially if you own a newer or high-value vehicle.
Consider this scenario: You get into a car accident that totals your car, and you’re the at-fault driver. If you only have the minimum coverage required under Florida law, your policy won’t cover replacing your car. This will leave you with thousands of dollars in out-of-pocket costs.
With a full-coverage policy, your collision coverage would help cover the damage, minus your deductible.
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Pros and cons of having full-coverage car insurance in Florida
Though a full-coverage policy is beneficial, you should still think about the advantages and disadvantages before purchasing a policy. Here are some pros and cons:
Pros
Financial protection: It covers repairs or replacement of your car after accidents, theft, and several other losses.
Meets lender requirements: If you lease or finance your car, the lender or leasing company typically requires full coverage.
Peace of mind: It helps you avoid large out-of-pocket expenses if you’re involved in a serious accident.
Cons
Higher car insurance premiums: Full-coverage insurance costs more than minimum coverage.
Deductible requirements: You must pay a deductible before your insurance kicks in to pay for repairs.
Less cost-effective for older cars: If you drive an older car, it might not be worth the extra costs since the payout after your deductible could be lower than your premiums.
Full-coverage car insurance in Florida FAQs
Full-coverage car insurance can provide Florida drivers with more protection and peace of mind. Here are answers to some common questions about full coverage to help you choose the right policy for you.
What does full-coverage insurance cover in Florida?
Florida full-coverage car insurance covers damage to your car, including from collisions with other vehicles or objects and from non-collision events like hail or flood damage. It’ll also include at least Florida’s minimum amount of liability coverage.
How much is full-coverage insurance per month in Florida?
On average, full-coverage car insurance costs $235 per month, according to Insurify data. The cheapest average full-coverage quote we found for Florida drivers is $129 from State Farm.
What’s the best full-coverage insurance in Florida?
For full-coverage car insurance in Florida, State Farm is among the best insurers. It typically offers competitive rates for most driver profiles.
What’s required for full coverage in Florida?
To meet Florida car insurance minimum liability requirements, every full-coverage policy in the state must have at least $10,000 each of personal injury protection and property damage liability coverage. It will also include comprehensive and collision coverage. If you finance or lease your car, ask your lender or leasing company if it requires a certain amount of these coverages.
Sources
- The Florida Senate. "Use of credit reports and credit scores by insurers."
- Florida Department of Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
- III. "How much auto coverage do I need?."
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.
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Janet Berry-JohnsonInsurance Writer, CPA
8+ years writing about insurance, taxes, and personal finance
Certified public accountant
Featured in
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
John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in