Car Insurance in Florida

Average car insurance cost in Florida

The NAIC average expenditure is what insured drivers actually paid on average, including people who carry only liability. For those who buy each coverage, the average premium was $1,295 for liability, $469 for collision and $230 for comprehensive ($1,994 combined, versus $1,439 nationally). That average expenditure is 19% higher than the NAIC's previous data year ($1,568).

Minimum car insurance requirements in Florida

Florida requires $10,000 of personal injury protection (PIP) and $10,000 of property damage liability, but no bodily injury liability for most drivers. Moving up to 100/300/100 limits would cost about $485 more a year by our estimate.

Bodily injury liability is not required to register a vehicle; drivers involved in certain crashes or convictions must show 10/20/10 bodily injury coverage, and DUI offenders need 100/300/50.

Is Florida a no-fault state?

Yes. Florida is a no-fault state: your own PIP pays first regardless of fault, and you can sue the at-fault driver for pain and suffering only for significant and permanent loss of an important bodily function, permanent injury, significant and permanent scarring or disfigurement, or death (verbal threshold).

In practice: keep your PIP limits in mind — they pay first for you and your passengers, while your liability coverage still pays for damage you cause to other vehicles and property.

No-fault vs. at-fault explained

Uninsured drivers in Florida

The Insurance Research Council estimates 20.6% of Florida drivers are uninsured — 7th highest in the country, compared with 15.4% nationally. That's roughly one uninsured driver in every 5 on the road. Uninsured motorist (UM) coverage isn't mandatory here (Policies with bodily injury liability must include uninsured motorist coverage unless the named insured rejects it in writing), but with an above-average uninsured rate it is worth pricing.

SR-22 requirements in Florida

Florida uses the SR-22 — a certificate your insurer files with the state to prove you carry at least the minimum liability coverage. It is usually ordered after a DUI, driving uninsured, serious violations or a license suspension, and is typically kept for about 3 years. DUI convictions require the FR-44, which proves higher liability limits. SR-22 certifies 10/20/10 bodily injury liability; FR-44 certifies 100/300/50 after a DUI conviction. Both must be kept for three years.

By our model, a driver in their 30s with a DUI would pay about $2,020 a year for minimum coverage in Florida, versus $1,080 with a clean record. What is SR-22 insurance?

Car insurance by city in Florida

We cover 39 Florida cities. Estimates are for full coverage for a driver in their 30s with a clean record; hover a city to find it on the map. The lowest estimate is in Ocala ($2,140) and the highest in Homestead ($2,695).

Estimated cost by driver profile in Florida

Age and driving record move premiums more than almost anything else. A teen on their own policy pays about 2.7× what a driver in their 30s pays for the same full coverage in Florida.

By coverage level

Cheapest and most expensive cars to insure in Florida

Full-coverage estimates for current models, using HLDI insurance-loss data where available. Vehicle choice alone can swing the premium by more than $3,885 a year here.

Cheap car insurance in Florida: how to lower your rate

• Raise your deductible. Going from $500 to $1,000 on collision and comprehensive saves about $100 a year on a typical Florida full-coverage policy.
• Match coverage to your car's value. On a 10-year-old car, dropping collision and comprehensive could cut the bill from about $1,950 to $1,565.
• Drive less, pay less. Low-mileage and usage-based programs can save around $160 a year if you drive under 7,500 miles.
• Protect your record. A single speeding ticket adds roughly $495 a year in our model; an at-fault accident adds much more.
• Shop at renewal. Rates for the same driver differ widely between insurers. Compare identical limits and deductibles.
• Ask about discounts — bundling home and auto, good student, safe-driver, paid-in-full and defensive-driving course discounts. See common discounts.

Complaints and help: Florida Office of Insurance Regulation

The Florida Office of Insurance Regulation licenses insurers and agents, reviews rates and handles consumer complaints about claims, cancellations and billing — free of charge.

Website

www.floir.com

File a complaint

Consumer complaint page

Consumer helpline

1-877-693-5236

Homeowners insurance in Florida →

Florida vs. neighboring states