Car Insurance in Florida

Florida car insurance quotes

Car insurance for Florida drivers is 66% more expensive than than the national average at $1462 for a 6-month policy. Those in Florida wishing to cut costs can opt for only liability insurance, priced at $413 for a 6-month policy.

As in other states, Floridians' car insurance rates are influenced by numerous elements, such as the age of the driver and their driving record. The Zebra's experts have analyzed Florida car insurance quotes for multiple driver profiles, coverages, and companies to match you with the best policy.

Continue reading to learn how much auto insurance costs in Florida, or if you're ready to see how much you can save, submit your ZIP code above to receive personalized quotes from top insurance companies

The best car insurance in Florida - The Zebra's Picks

We recommend beginning, not ending, your search for cheap car insurance coverage in Florida with our picks. The chart above shows rates for some of the top car insurance companies in Florida and their average rates for full coverage policies. Don't forget to get personalized quotes to see if one of our recommendations is the best fit for you.

Cheap liability coverage in Florida

In Florida, the average cost for liability coverage is $413 per 6-month period. Below, we show the annual cost from the most popular companies in Florida for liability coverage, a fraction of the average paid for full coverage insurance. 

Given the significant role coverage level plays in premium pricing, it may be tempting to stick with the liability-only coverage as 43% of Floridians do. However, most insurance professionals would advise against this as it leaves you and your vehicle exposed to risk. While opting for only liability coverage in Florida might be risky, we've still listed the most affordable liability-only options below for your reference.

Florida liability coverage requirements:

• Property Damage Liability: $10,000 per accident
• Personal Injury Protection: $10,000 per person

Rather than requiring bodily injury liability coverage (usually mandatory), Florida drivers instead rely on personal injury protection (PIP) to cover injuries due to Florida's status as a no-fault state. This differs from other states which typically require bodily injury liability coverage.

Cheap full coverage car insurance in Florida

In Florida, you can expect to pay around $1462 for a 6-month, $500 deductible full coverage insurance policy. While this is substantially more than liability-only car insurance in Florida, The Zebra usually recommends adding comprehensive and collision coverage (aka, full coverage) insurance if your vehicle is worth $4,000+. This is because liability-only insurance does not adequately protect you against the costs of car accidents, thefts, vandalism, or weather incidents. About 79% of The Zebra's drivers select full coverage.

Other optional coverages (which vary by carrier) include:

• Bodily injury liability
• Medical payments
• Roadside assistance
• Uninsured/underinsured motorist coverage

Cheap auto insurance in Florida for young drivers

Young drivers between the ages of 16 and 25 pay the most for car insurance across the U.S. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. In Florida, teen drivers between the ages of 16 and 19 pay $6,295 per year — which is $4,766 more than the national average and 160% higher than what a 30-year-old Florida driver would pay.

Florida auto insurance costs after an accident or ticket

A history of accidents or tickets can play a big role in how much you pay. This is because your driving history is another indicator of risk — and risk is something insurance companies want to avoid. Having a recent at-fault accident in your driving record could raise your premiums by as much as $992 per year.

When you receive a ticket, your car insurance rates will probably go up. How much your rate will increase depends on the violation, your car insurance company's pricing standards and differing local insurance regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.

See below average auto insurance rates in Florida after a few common citations.

The Zebra's guide to Florida car insurance laws

Violations like reckless driving or a DUI will require you to make changes to your insurance policy.

Learn more about car insurance requirements in the state of Florida with our helpful guide. Or, see our brief explanations of how DUIs and SR22s affect your insurance below.

Car insurance price trends in Florida

In Florida, average annual auto insurance costs increased by $101 in the past year. A typical Florida driver pays an average of $1462/6-months compared to national average of $880 for a full coverage auto insurance.

Year over year pricing trends in Florida gravitate from sharp increases — sometimes by as much as hundreds of dollars — and less commonly, slight dips. The steepest decrease occurred from 2013 to 2014, while the highest surge took place from 2015 to 2016. In contrast, car insurance rates across the United States have stayed relatively steady in the past few years, moving from $1,521 in 2018 to $1,529 in 2021.

Some of the reasons for Florida's more expensive insurance costs include the state's higher levels of insurance fraud and its larger-than-average number of uninsured drivers^[1].

If your rates are rising faster than the average in your state, compare quotes and find a better deal. The Zebra's car insurance comparison engine furnishes quotes based on your specific profile — enter your ZIP code below to get started.

Florida car insurance FAQs

Below you'll find answers to some of the most commonly asked questions regarding Florida auto insurance.