Cheap Car Insurance for Low-Income Drivers in Florida

What is low-income car insurance in Florida?

Low-income car insurance in Florida isn’t a specific type of policy. Instead, it generally refers to choosing the most affordable coverage available, which is typically the state-minimum liability insurance required to legally drive.

While purchasing minimum coverage can help keep car insurance costs low, it provides less financial protection if you’re in a car accident. Full-coverage insurance typically includes liability, collision, and comprehensive coverage, which provides broader protection.

Unlike some other states, Florida doesn’t have a state-run low-cost car insurance program. Florida policyholders looking to lower car insurance premiums can also explore discounts for having a clean driving record or by bundling homeowners or renters insurance.

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Cheapest car insurance in Florida

The cheapest car insurance company in Florida for liability-only insurance is State Farm, with an average rate of $80 per month. The average cost of liability-only insurance in Florida is $137 per month. Florida’s average liability insurance rate is higher than the national average of $98 per month.

Several factors contribute to the state’s elevated premiums, including its population density, coastal weather risks, and heavy traffic congestion in major metro areas like Orlando, Miami, Jacksonville, and Tampa. Car insurance rates are generally lower in more suburban and rural areas of the state, such as Jupiter and Milton.

The following table shows the cheapest companies for liability-only car insurance in Florida.

The below national rates are estimated rates current as of: Sunday, May 31 at 5:00 PM PDT. 

Insurance Company	Average Quote: Liability Only
Progressive	$80
State Farm	$80
Mile Auto	$84
Clearcover	$85
GEICO	$91
Dairyland	$101
Embark	$104
Infinity	$113
Direct Auto	$119
Mercury	$119
GAINSCO	$120
The General	$126
Bristol West	$136
AssuranceAmerica	$139
Allstate	$140
National General	$143
Root	$153
Travelers	$166
Insurify Car	$168
Hugo	$200
Mendota	$224
First Acceptance	$228
Liberty Mutual	$229

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with poor credit in Florida

Florida car insurance companies can use a credit-based insurance score when determining auto insurance rates.^[1]

Insurers often view a lower credit history as an indicator that the driver is more likely to file a claim. Florida drivers with poor credit histories generally pay higher car insurance rates, while drivers with better credit histories pay the lowest rates.

Not all states allow credit-based pricing in auto insurance, and even those that do, like Florida, typically have restrictions.

The below national rates are estimated rates current as of: Sunday, May 31 at 5:00 PM PDT. 

Insurance Company	Average Liability Quote: Good Credit	Average Liability Quote: Poor Credit
Progressive	$76	$100
State Farm	$77	$115
Mile Auto	$80	$104
Clearcover	$82	$105
GEICO	$87	$113
Dairyland	$96	$125
Embark	$99	$130
Infinity	$108	$140
Direct Auto	$113	$147
GAINSCO	$114	$148
Mercury	$115	$146
The General	$120	$156
Bristol West	$131	$168
AssuranceAmerica	$133	$172
National General	$136	$177
Allstate	$136	$173
Root	$146	$189
Travelers	$158	$205
Insurify Car	$160	$210
Hugo	$191	$247
Mendota	$213	$280
First Acceptance	$217	$285
Liberty Mutual	$221	$274

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Car insurance options for low-income drivers in Florida

Though Florida doesn’t have a statewide low-cost or high-risk car insurance program, low-income drivers can still find affordable coverage in the following ways:

Buy minimum coverage

The best coverage choice for drivers looking to save money is to purchase Florida’s minimum liability coverage. Though it provides less protection than full coverage, a liability-only policy can help you save significantly on monthly premiums.



Ask about discounts

Check whether you qualify for common car insurance discounts, such as good driver, bundling, and loyalty discounts. If you’re age 55 or older, you can take a Florida Department of Highway Safety and Motor Vehicles–approved defensive driving course to earn a mature driver discount.^[2] Families with a teen driver with a new driver’s license can hopefully benefit from good student discounts.



Consider non-standard insurance companies

Low-income and high-risk drivers can also consider non-standard insurers to find affordable rates. For example, The General specializes in insuring high-risk drivers, like those with a poor credit history, an at-fault accident, or a driving under the influence (DUI) conviction in their driving history. And Mile Auto is a pay-per-mile car insurance company that’s a good option for low-mileage drivers looking to save on coverage.

Minimum car insurance requirements in Florida

Car insurance requirements in Florida include personal injury protection (PIP) and property damage liability (PDL) coverage.^[3] Unlike many states, Florida doesn’t require bodily injury liability coverage.

Here’s a breakdown of each state-required type of insurance:

• Personal injury protection (PIP): In Florida, PIP covers 80% of all “necessary and reasonable” medical expenses.

• Property damage liability (PDL): If you get into an accident, your PDL coverage will pay for the other driver’s property damages.

Purchasing minimum coverage will lower the cost of car insurance, but it may leave you more vulnerable on the road.

For example, if you have a serious at-fault accident or experience vandalism in Florida, you may be financially responsible for any damages that exceed $10,000. And a minimum coverage policy won’t cover damage to your vehicle from flooding or other severe weather.

See how much of each coverage type you need in Florida below.

Coverage	Minimum Requirement	What It Covers
Personal injury protection (PIP)	$10,000 per accident	Medical expenses for covered injuries, regardless of who caused the crash
Property damage liability (PDL)	$10,000 per accident	Damage to another person’s property caused by you or someone driving your vehicle

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Average liability quotes start at $80/mo. for Florida drivers

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What affects car insurance rates in Florida?

A number of unique risk factors influence Florida’s expensive car insurance rates, including the state’s extreme weather and population density.

Learn more about a few of Florida’s biggest insurance rate factors below:

• Severe weather: Florida faces risks of extreme weather and flooding from tropical storms and hurricanes. Florida’s many coastal regions, including Miami, Tampa, and the Florida Keys, are particularly vulnerable to these risks.

• High population density: Florida is the third-most populous U.S. state, and it has the eighth-highest population density.^[4] More drivers on the road increase the risk of accidents and other incidents.

• Uninsured drivers: Florida has a relatively high uninsured driver rate of about 20%, compared to the national rate of about 15%. It may be worth buying uninsured motorist coverage.

• No-fault system: Florida’s no-fault insurance system can contribute to higher rates, as drivers must maintain both PIP and PDL coverage.

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