Temporary Car Insurance in Florida:
Costs and Quotes (2022)

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Last Updated: January 2022

Cheapest Companies for Temporary Car Insurance Florida (2022)

For drivers looking for temporary insurance in Florida, it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for drivers looking for a 6-month policy.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Florida. The following are the best insurance rates from carriers that offer temporary car insurance for drivers in Florida.

What Is Temporary Car Insurance and How to Get It in Florida?

Temporary insurance policies generally last for six months and are less expensive than a 12-month policy. Beware of websites that offer policies for less than six months; they’re almost always scams. Insurance companies in the United States only offer six-month and 12-month car insurance policies. If you think you need car insurance for less than six months, your best bet is to purchase a six-month policy and cancel it early.

The benefit of a six-month car insurance policy is you’re not locked into a long-term policy with an insurer that isn’t right for you. The short-term car insurance policy gives you flexibility to shop around for better prices every six months if you like. That means you never have to worry about overpaying for car insurance. Check out Insurify to find a good, affordable temporary car insurance policy in Florida. Insurify can find up to 20 short-term car insurance policies for you from top companies within minutes!

What Are the Average Short-Term Car Insurance Rates in Florida?

Floridians pay $2,477 on average for a six-month car insurance policy, according to Insurify’s database of more than four million car insurance policy applications. That’s about $413 per month over the course of their temporary insurance policy. Typically, a six-month car insurance policy is less expensive than full-year coverage because the insurance company is assuming less risk.

Length of Short-Term Insurance Policy
6 months$413$2,477

What Are the Benefits of Choosing a Six-Month Auto Insurance Policy in Florida?

There are a number of reasons why purchasing a six-month insurance policy in Florida is a good idea. The main reason is car insurance companies often change their rates and how they assess risk. Just because an insurer offers you the lowest price now, doesn’t mean it will be that low in a couple of months. A six-month car insurance policy allows you to find the best deal in a shorter period of time.

The ability to comparison-shop for lower prices is why you should reassess your car insurance policy every six months. It’s the financially responsible thing to do, and it doesn’t take very long when you use Insurify. Within minutes, you can compare car insurance quotes from up to 20 companies at a time. Consistently comparing rates ensures that you’re never wasting your money.

Find Cheap Short-Term Car Insurance in Minutes

You could find cheap short term car insurance options in Florida within minutes using Insurify. All you’ve got to do is fill in some basic information about yourself and your car, and you’ll be presented with a list of up to 20 short-term car insurance policy options within minutes. These quotes are customized, real-time, and accurate. Insurify also allows you the option to toggle between the rates for a six-month policy and a 12-month policy—that way you can see for yourself which option is best for you.

Compare quotes fast, free, and online with Insurify’s car insurance quote comparison tool.

Best Short-Term Car Insurance Plans in Florida

Insurance prices and policies can vary significantly between companies, and a state like Florida draws a wide variety of choices when drivers are evaluating temporary car insurance plans.

Insurify's rate comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than you need to, and customers save $585 per year on average.

Top Auto Insurance Companies

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options.
Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price.

FAQs - Florida Car Insurance

Why is car insurance so expensive in Florida?

There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

Do car insurance rates vary by county in Florida?

Auto insurance costs will vary between locations and insurance carriers, depending on the county Florida. Insurify analyzed the latest data for the five most populous cities in Florida to find you the cheapest quotes in each of these metropolitan areas.

Which providers have the best auto insurance ratings in Florida?

The way to find the carrier with the best auto insurance ratings in Florida and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

How much do annual auto insurance rates increase in Florida?

During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.