Car Insurance for High-Risk Drivers in Florida (2026)
Progressive offers the cheapest car insurance for high-risk drivers in Florida, averaging $88 per month for liability coverage.
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Quick Facts
High-risk drivers in Florida can find the best rates from Progressive, with an average rate of $88 per month for liability coverage.
Florida’s uninsured motorist rate of nearly 21% contributes to higher rates for everyone, especially high-risk drivers.[1]
Taking a Florida-approved basic driver improvement course could keep points off your record, potentially preventing a rate increase.
Average cost of high-risk car insurance in Florida
The average cost of car insurance for high-risk drivers in Florida is higher than the state’s overall average for all drivers. Liability insurance averages between $160 and $178 per month, depending on the infraction, while full coverage ranges from $275 to $306 per month. Florida drivers with a clean driving record, on the other hand, pay an average of $137 per month for liability-only coverage and $235 per month for full coverage.
A bad driving record isn’t the only factor that affects your Florida car insurance rates. Insurers also weigh your age, vehicle, ZIP code, and credit history when calculating your premium.[2]
Florida’s tort reform in 2023 limited excessive litigation against insurers and helped push down premiums across the state.[3] Florida’s top five auto insurers filed for an average rate decrease of nearly 7% for 2025.[4] Insurify data also shows an overall year-over-year decline of more than 12% statewide.
Although rates are declining, Florida coverage remains more expensive than the national average, and high-risk drivers feel those effects the most. You can compare average monthly car insurance costs across different driver profiles below.
Driver Profile  | Average Monthly Cost: Liability Only | Average Monthly Cost: Full Coverage |
|---|---|---|
| Clean record | $137 | $235 |
| Speeding ticket | $160 | $275 |
| At-fault accident | $174 | $299 |
| DUI | $178 | $306 |
| SR-22 | $162 | $278 |
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.
Find Cheap Car Insurance in Florida
Liability rates for high-risk drivers start as low as $88/mo.
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Cheapest car insurance in Florida by violation
Your driving record plays a major role in how much you pay for car insurance in Florida, but not all violations affect rates equally. For example, a driving under the influence (DUI) conviction will likely result in higher premiums than a speeding ticket.
Progressive, State Farm, and Mile Auto are the cheapest car insurance companies overall for high-risk drivers in Florida. But you may want to shop based on your specific infraction to find the most affordable insurer for your situation.
Cheapest rates for high-risk drivers with DUIs in Florida
The Florida Department of Highway Safety and Motor Vehicles (FLHSMV) recorded 5,349 impaired driving crashes in 2025, with 713 fatalities.[5] Less than 1% of Florida drivers have a DUI on their driving record, according to Insurify data.
Progressive offers the lowest auto insurance rates for Florida drivers with a DUI conviction, with liability premiums as low as $101 per month.
You can compare average full-coverage and liability-only rates in the table below for Florida drivers with a DUI.
The below rates in Florida are estimated rates current as of: Wednesday, June 24 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Progressive | $101 | $186 |
| State Farm | $110 | $177 |
| Clearcover | $113 | $276 |
| Mile Auto | $118 | $220 |
| GEICO | $124 | $255 |
| Embark | $135 | $331 |
| Dairyland | $144 | $434 |
| Infinity | $151 | $308 |
| Direct Auto | $163 | $276 |
| GAINSCO | $165 | $388 |
| The General | $169 | $321 |
| Mercury | $177 | $262 |
| Bristol West | $187 | $290 |
| Allstate | $191 | $306 |
| AssuranceAmerica | $191 | $347 |
| National General | $198 | $258 |
| Root | $217 | $388 |
| Travelers | $228 | $364 |
| Mendota | $291 | $454 |
| First Acceptance | $295 | $431 |
| Liberty Mutual | $313 | $409 |
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.
Cheapest rates for FL drivers with at-fault accidents
Florida reported 395,174 crashes in 2023, averaging more than 1,000 accidents per day, according to FLHSMV data. More than 4% of Florida drivers have an at-fault accident in their driving history, Insurify data shows.
Florida drivers can often find cheap car insurance with Progressive after a crash, from $99 per month for liability coverage.
The table below shows the average full-coverage and liability-only rates for drivers with an at-fault accident in Florida.
The below rates in Florida are estimated rates current as of: Wednesday, June 24 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Progressive | $99 | $182 |
| State Farm | $104 | $168 |
| Mile Auto | $114 | $212 |
| GEICO | $118 | $242 |
| Clearcover | $120 | $292 |
| Embark | $132 | $323 |
| Dairyland | $136 | $410 |
| Infinity | $143 | $292 |
| GAINSCO | $151 | $355 |
| Direct Auto | $159 | $269 |
| The General | $172 | $327 |
| Bristol West | $176 | $274 |
| Mercury | $178 | $263 |
| AssuranceAmerica | $181 | $330 |
| Allstate | $183 | $294 |
| National General | $188 | $246 |
| Root | $195 | $349 |
| Travelers | $220 | $352 |
| Mendota | $285 | $444 |
| First Acceptance | $288 | $421 |
| Liberty Mutual | $297 | $388 |
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.
Cheapest rates for drivers with speeding tickets in Florida
More than 3% of Florida drivers have a ticket on their driving record, according to Insurify data. Between 2019 and 2023, speeding contributed to almost 10% of traffic fatalities statewide, according to the Florida Department of Transportation.
Florida drivers with a speeding ticket pay an average of $160 per month for liability coverage and $275 per month for full coverage. They may find the cheapest rates from Progressive. The following data shows the average full-coverage and liability-only rates for Florida drivers with a speeding ticket.
The below rates in Florida are estimated rates current as of: Wednesday, June 24 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Progressive | $91 | $167 |
| State Farm | $98 | $158 |
| Mile Auto | $101 | $187 |
| Clearcover | $106 | $258 |
| GEICO | $115 | $237 |
| Embark | $122 | $297 |
| Dairyland | $126 | $380 |
| Infinity | $136 | $276 |
| GAINSCO | $139 | $328 |
| Direct Auto | $145 | $244 |
| Mercury | $162 | $240 |
| The General | $165 | $315 |
| Bristol West | $166 | $258 |
| AssuranceAmerica | $171 | $312 |
| National General | $174 | $227 |
| Allstate | $175 | $280 |
| Root | $182 | $326 |
| Travelers | $208 | $333 |
| Mendota | $262 | $408 |
| First Acceptance | $265 | $387 |
| Liberty Mutual | $281 | $368 |
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.
Best Florida auto insurance companies for high-risk drivers
After Florida’s tort reform, 17 insurers entered the state’s auto insurance market, according to the Florida Office of Insurance Regulation. More competition gives high-risk drivers more options and potentially lower rates.
These are our picks for the best car insurance companies in Florida for high-risk drivers, based on coverage options, pricing, and customer service.
The below rates in Florida are estimated rates current as of: Wednesday, June 24 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Progressive | $101 | $186 |
| State Farm | $110 | $177 |
| GEICO | $124 | $255 |
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.
Progressive: Best for cheap rates for high-risk drivers
| 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. | $143/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 8,650 Progressive reviews
Verified Review
Reviewed in Florida on June 22, 2026
Okay, high cost!
Verified Review
Reviewed in Florida on June 21, 2026
Very good service. Best rates we could find.
Verified Review
Reviewed in Florida on June 21, 2026
Haven't needed it yet, but it's a good price.
…
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 average rates for high-risk drivers in Florida, and its Snapshot program may help you save after a violation if you demonstrate safe driving habits. Progressive also offers discounts for going paperless, bundling home and auto, and paying in full. Plus, unlike many insurers, Progressive covers drivers who need an FR-44 after a DUI conviction.
Pros
Affordable rates for high-risk drivers in Florida
AM Best financial strength rating of A+ (Superior)
Below-average number of complaints with the National Association of Insurance Commissioners (NAIC)
Cons
Below-average J.D. Power customer satisfaction rating in Florida
Low J.D. Power claims satisfaction rating
Risky driving could increase rates with Snapshot
GEICO: Best for customer service 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. | $91/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. | $187/mo |
4.0
Best choice in FloridaBased on 19,007 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 | 4.0 | 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 7,847 GEICO reviews
Verified Review
Reviewed in Florida on June 23, 2026
The app is easy to use, but they are highly expensive.
Verified Review
Reviewed in Florida on June 22, 2026
High for an older car with miles. No real discount with age. Plus, no good discount with a good driving record.
Verified Review
Reviewed in Florida on June 21, 2026
Best price I could find.
…
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. As one of Florida’s top five auto insurers, GEICO files both SR-22s and FR-44s. While it’s not the cheapest insurer, GEICO’s rates are still competitive for high-risk drivers, and it recently announced rate reductions for more than 700,000 Florida customers.
Pros
Highly rated mobile app
Several car insurance discounts available
AM Best financial strength rating of A++ (Superior)
Cons
High-risk drivers in Florida may find cheaper premiums elsewhere
Defensive driving course discount limited to drivers aged 50 and older in Florida
Below-average J.D. Power claims satisfaction rating
State Farm: Best for claims satisfaction
| User Reviews | 4.1 |
|---|---|
| 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. | 9.3 /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. | $80/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. | $129/mo |
4.1
Best choice in FloridaBased on 19,042 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Based on analysis of verified reviews collected by Insurify
Best in Florida for
Showing 75 reviews from Florida driversSee all 7,699 State Farm reviews
Verified Review
Reviewed in Florida on June 19, 2026
No claims, but expensive.
Verified Review
Reviewed in Florida on June 19, 2026
I'm pleased with State Farm. I shop rates often and no one beats them for my needs.
Verified Review
Reviewed in Florida on June 17, 2026
They are very expensive. I’m driving a 12-year-old car and pay $700 every 6 months. One claim in 5 years in which I was not at fault.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
650
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
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
State Farm scored above average in the J.D. Power U.S. Auto Claims Satisfaction Study. Florida customers also get Accident Assistance through the State Farm app, with real-time accident detection and streamlined insurance claims filing. State Farm recently announced a nearly $533 million dividend to Florida policyholders and a 10% rate reduction.
Pros
24/7 claims reporting
Above-average J.D. Power customer satisfaction rating in Florida
AM Best financial strength rating of A+ (Superior)
Cons
Accident forgiveness not available
Doesn’t offer gap insurance
Above-average number of complaints with the NAIC
When choosing the best car insurance companies for high-risk drivers, we compared factors like costs for drivers with an incident, available discounts, customer service options, customer satisfaction ratings, and overall financial stability. The companies we’ve listed above offer competitive rates, a range of discounts, accessible customer service teams, and high customer satisfaction and financial stability ratings.
How to find cheaper car insurance for high-risk drivers in Florida
Finding affordable coverage as a high-risk driver in Florida may take some extra work, but these strategies can help you lower your costs:
Take a Florida-approved Basic Driver Improvement (BDI) course. Electing to take a BDI course within 30 days of a citation can keep points off your record. Florida law prohibits insurers from raising your premium or canceling your policy for infractions that resulted in no points — unless you caused a crash where the insurer incurred a loss.[6]
Work on your credit score. Florida law allows insurers to consider your credit history when deciding your rates. Errors in your credit report could raise your premiums, so you should check for any inaccuracies.
Raise your deductible. The Florida Department of Financial Services also recommends raising your deductible to lower your premium. But you’d have to pay more out of pocket when you submit a claim, so make sure you can afford that amount if needed.
Ask about car insurance discounts. Florida insurance companies often offer discounts for good grades, safety features on your vehicle, or driving fewer miles. Florida drivers 55 and older can qualify for a mandatory discount by completing a FLHSMV-approved Mature Driver course under Florida Statute 627.0652.[7]
Know your last-resort option. Florida law requires insurers to notify you of possible eligibility for the Florida Automobile Joint Underwriting Association (FAJUA) if they non-renew your insurance policy. The FAJUA is for drivers who can’t find insurance coverage in the private market.
Florida minimum car insurance requirements for high-risk drivers
Many U.S. states, including Florida, require drivers with serious violations on their records to carry extra insurance validation or higher liability limits.
Minimum car insurance requirements in Florida include at least $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL) for all drivers. But you may need to carry more coverage, depending on your driving record.[8]
Florida requires at-fault drivers charged with a moving violation in a crash involving injuries to carry bodily injury liability (BIL) of $10,000 per person and $20,000 per accident. Drivers with no insurance at that time must maintain those BIL limits and file an SR-22 for three years.
Meanwhile, a DUI conviction requires an FR-44 filing for three years certifying $100,000 in BIL per person and $300,000 per accident with $50,000 in PDL.[9]
Coverage Type | Florida Minimum Requirement | What It Covers |
|---|---|---|
| Bodily injury liability per person | Not required for standard registration | Pays for injuries to one person in a crash you cause |
| Bodily injury liability per accident | Not required for standard registration | Pays for total injuries to all parties in a crash you cause |
| Property damage liability | $10,000 | Pays for damage to another person’s property |
| Personal injury protection (PIP) | $10,000 | Covers 80% of your medical expenses regardless of fault |
| SR-22 | $10,000/$20,000 BIL in addition to state minimum requirements | Certificate of financial responsibility required after certain violations |
| FR-44 | $100,000/$300,000 BIL and $50,000 PDL in addition to state-minimum requirements | Certificate of financial responsibility required after a DUI conviction |
Who is a high-risk driver in Florida?
Insurers in Florida assess your risk based on your driving record. They may consider you high risk if your driving history includes multiple moving violations, an at-fault accident, or a DUI conviction.
Florida assigns points for different types of convictions. For example, speeding up to 15 mph over the limit earns three points, but exceeding the limit by more than 15 mph earns four. Reckless driving also carries four points. If you accumulate 12 points within 12 months, Florida will suspend your driver’s license for 30 days.[10]
Florida considers a blood alcohol content (BAC) of 0.08 or higher, or any level of impairment affecting normal faculties, as driving under the influence. Drivers with other traffic violations must file an SR-22 certificate, but a DUI conviction specifically requires an FR-44.
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How long will Florida consider you a high-risk driver?
Most moving violations stay on your Florida driving record for three to five years, though more serious infractions can remain for 10 to 15 years or longer, according to FLHSMV. The effect on your insurance premiums typically eases over that three-to-five-year window, as long as your record stays clean.
Florida high-risk drivers insurance FAQs
Florida’s car insurance laws can be complex, especially for high-risk drivers navigating SR-22 and FR-44 requirements, mandatory bodily injury liability, and a no-fault system. The information below can help you better understand car insurance for high-risk drivers in Florida.
How much is high-risk insurance in Florida?
High-risk auto insurance costs an average of $266 per month for full coverage and $155 per month for liability-only coverage, according to Insurify data. That’s significantly more than the statewide monthly averages of $235 and $137 for drivers with clean records.
What is the three-accident rule in Florida?
Florida’s three-accident rule requires drivers who are at fault in three crashes within three years to complete 12 hours of Advanced Driver Improvement coursework, four hours of behind-the-wheel training, and a road test — or face license cancellation.[11]
What is the best insurance company for high-risk drivers in Florida?
Progressive, State Farm, and GEICO are among the best Florida car insurance companies for high-risk drivers. But the right company for you depends on your specific violation and coverage needs. Getting insurance quotes or working with an independent insurance agent can help you compare insurance options.
Do cops know if you’re insured in Florida?
Yes. Florida law requires insurers to report active policies electronically to the FLHSMV, which continuously matches that data against all registered vehicles. Law enforcement agencies have access to that database.
Sources
- Insurance Information Institute. "Facts + Statistics: Uninsured motorists."
- Florida Department of Financial Services. "Automobile Insurance Toolkit."
- Florida Office of Insurance Regulation. "2023 Legislative Summary."
- Florida Office of Insurance Regulation. "Florida Office of Insurance Regulation Announces Lower Auto Insurance Rates Thanks to Florida's Insurance Reforms."
- Florida Department of Highway Safety and Motor Vehicles. "Florida Crash Dashboard."
- Florida Department of Highway Safety and Motor Vehicles. "What is Basic Driver Improvement (BDI) and how do I find the approved listing of BDI course providers?."
- Florida Department of Highway Safety and Motor Vehicles. "Mature Driver Discount Insurance Courses."
- Florida Department of Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
- Florida Department of Highway Safety and Motor Vehicles. "DUI Frequently Asked Questions."
- Florida Department of Highway Safety and Motor Vehicles. "Points & Point Suspensions."
- Florida Department of Highway Safety and Motor Vehicles. "What are 3 crashes in 3 years and how do I complete this requirement?."
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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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.
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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.
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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.
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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.
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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.
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Cheapest Auto Insurance in Jupiter, Florida
Progressive offers the cheapest car insurance in Jupiter, with minimum-coverage policies as low as $68 per month.
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Cheapest Auto Insurance in Palm Bay, Florida
Progressive offers the cheapest quotes in Palm Bay, with rates as low as $70 per month.
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Cheapest Auto Insurance in Winter Haven, Florida
For the cheapest car insurance in the city, look to Progressive, with a liability rate of $75 per month.
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Cheapest Auto Insurance in Apopka, Florida
Progressive offers the cheapest car insurance in Apopka, with minimum-coverage policies as low as $78 per month.
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Cheapest Auto Insurance in Clearwater, Florida
Progressive offers the cheapest car insurance in Clearwater, with minimum-coverage policies as low as $72 per month.
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Cheapest Car Insurance in Riverview, Florida
Riverview drivers pay an average of $230 per month for liability car insurance.
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Cheapest Auto Insurance in Panama City, Florida
Progressive is the cheapest car insurance company in Panama City, with liability-only rates of $60 per month.
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Cheapest Auto Insurance in Melbourne, Florida
With monthly liability rates as low as $66, Progressive is the cheapest car insurance company in Melbourne.
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Cheapest Car Insurance Quotes in Palm Coast, Florida (June 2026)
Progressive is the cheapest insurer in Palm Coast, with an average monthly rate of $67 for liability-only coverage. Car insurance tends to be more affordable in Palm Coast thanks to its smaller size and lower crime and theft rates.
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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 $92 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.
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Cheap Car Insurance Quotes in Ocala, Florida (June 2026)
Progressive offers the cheapest liability-only car insurance in Ocala, at $70 per month. Ocala’s inland location and lower population density help keep rates below the Florida average.
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Cheap Car Insurance Quotes in Spring Hill, Florida (June 2026)
Progressive is the cheapest insurance company in Spring Hill, with an average rate of $81 per month for liability coverage. Spring Hill’s location on Florida’s west coast exposes the city to hurricanes, which push up insurance rates.
Cheap Car Insurance Quotes in Lakeland, Florida (June 2026)
Progressive is the cheapest insurer in Lakeland, with an average monthly rate of $73. Congestion on I-4 and accident risks influence Lakeland’s car insurance rates.
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Cheapest Car Insurance Quotes in Gainesville, Florida (June 2026)
Progressive offers the cheapest liability insurance in Gainesville, at an average of $65 per month. Tropical storms, heavy rainfall, and flooding can affect vehicle damage risk and insurance costs in Gainesville.
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Cheapest Car Insurance Quotes in Fort Lauderdale, Florida (June 2026)
Progressive has the lowest liability car insurance rates in Fort Lauderdale, averaging $90 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 $90. Hollywood’s car insurance rates are higher than the Florida average due to the city’s congestion and flood risk.
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Cheap Car Insurance Quotes in Pensacola, Florida (June 2026)
Progressive is the cheapest insurer in Pensacola, with liability rates averaging $66 per month. Pensacola’s Gulf Coast location increases the risk of hurricanes and flooding, which can raise insurance premiums.
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Cheap Car Insurance Quotes in Hialeah, Florida (June 2026)
Progressive is the cheapest car insurance company in Hialeah. The city’s high population density, weather risks, and insurance fraud affect insurance rates.
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Cheapest Car Insurance Quotes in Tampa, Florida (June 2026)
Tampa drivers generally find the most affordable auto insurance quotes from Progressive, averaging $99 per month. Coastal hurricane and flood exposure contribute to Tampa’s higher-than-average car insurance rates.
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Cheap Car Insurance Quotes in St. Petersburg, Florida (June 2026)
At $76 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.
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Cheap Car Insurance Quotes in Cape Coral, Florida (June 2026)
Progressive offers the cheapest car insurance in Cape Coral, with an average rate of $69 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.
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Cheap Car Insurance Quotes in Tallahassee, Florida (June 2026)
Progressive has the cheapest car insurance rates in Tallahassee, with liability-only coverage averaging $69 per month. The city’s relatively low risk of theft and vandalism helps keep rates lower than the statewide average.
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Cheapest Car Insurance Quotes in Orlando (June 2026)
Progressive is the cheapest car insurance company in Orlando, with an average rate of $86 per month for liability coverage. Tourism causes congestion along I-4, contributing to Orlando’s higher-than-average insurance premiums.
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Cheapest Car Insurance Quotes in Bradenton, Florida (June 2026)
Progressive has the cheapest car insurance in Bradenton, with liability premiums averaging $72 per month. Storms and flooding may contribute to higher insurance rates in Bradenton.
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Cheapest Car Insurance Quotes in Daytona Beach, Florida (June 2026)
Progressive offers the cheapest car insurance in Daytona Beach, averaging $73 per month for liability coverage. Heavy Interstate 95 congestion, coastal hurricane exposure, and high vehicle theft rates increase the risk of accidents and claims, driving up premiums.
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 $91 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)
Progressive provides the cheapest car insurance in Port St. Lucie, with an average liability rate of $72 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 Coral Springs, Florida (June 2026)
Progressive has the cheapest liability car insurance in Coral Springs, at $77 per month. Rates across the city reflect local risks, including hurricanes, severe storms, uninsured drivers, and vehicle theft.
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Cheapest Car Insurance Quotes in Sarasota, Florida (June 2026)
Progressive offers the cheapest liability car insurance in Sarasota, with an average monthly cost of $65. 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 $74 per month for liability coverage. Fort Myers faces hurricanes and flooding, which can raise average premiums for drivers.
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Cheapest Car Insurance Quotes in Davenport, Florida (June 2026)
The cheapest car insurance company in Davenport is Progressive, with liability rates averaging $78 per month. Davenport’s population density and long commute times affect insurance costs.
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Cheapest Car Insurance Quotes in Naples, Florida (June 2026)
Progressive has the cheapest car insurance in Naples, with an average liability rate of $67 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.
Cheapest Car Insurance Quotes in Boca Raton, Florida (June 2026)
Progressive has the cheapest liability auto insurance in Boca Raton, averaging $88 per month. The city’s high population density and an abundance of high-value cars push Boca Raton premiums above the Florida state average.
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Cheap Car Insurance Quotes in Jacksonville (June 2026)
Progressive offers the cheapest liability-only car insurance in Jacksonville, Florida, at $77 per month. A higher number of uninsured drivers in Duval County contributes to higher insurance costs for Jacksonville drivers.
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Cheap Car Insurance Quotes in Kissimmee, Florida (June 2026)
Progressive is the cheapest insurer in Kissimmee, with an average liability rate of $84 per month. Kissimmee’s proximity to Walt Disney World and other attractions increases traffic and can affect insurance costs.
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Cheapest Car Insurance Quotes in Miami (June 2026)
Progressive is the cheapest car insurance company in Miami, with monthly liability rates of $99. King Tides can cause street flooding even on clear days, which keeps comprehensive claims and Miami auto premiums high.
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Carley ClarkInsurance Writer
5+ years experience in personal finance writing
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
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