Best Car Insurance in Florida

Car insurance in Florida costs $103 per month or $1,242 per year for minimum coverage, on average. The cheapest car insurance companies in Florida are Geico, State Farm, and Travelers, and getting quotes from several companies can help you find the best deal.

The average cost of car insurance in Florida is 85% higher than the national average auto insurance premium. There are several factors that affect how much you'll pay for car insurance in Florida, including your driving record, age and location, the amount of coverage you purchase, and the insurance company you buy it from.

Average Cost of Car Insurance in Florida by Category

• After an at-fault accident: $329 per month
• Driver with poor credit: $191 per month
• Teen driver: $442 per month
• After a DUI: $167 per month

Average Cost of Car Insurance in Florida by Company

Note: Rates are an approximation based on a 45-year-old man in Florida with a clean driving record. Actual rates will vary.

Average Cost of Car Insurance in Florida by Age

Note: Rates are an approximation based on a driver in Florida with minimum coverage and a clean driving record. Actual rates will vary.

How to Lower the Cost of Car Insurance in Florida

1. Shop around and compare quotes. We recommend comparing quotes from at least three different insurance companies to make sure you are getting the best rate.
2. Choose a higher deductible. Your deductible is the amount you have to pay out of pocket before your insurance kicks in. Choosing a higher deductible can lower your premiums but means you will have to pay more out-of-pocket when you file a claim.
3. Consider lowering your coverage. Consider purchasing only the minimum amount of coverage required by your state, rather than purchasing higher limits or a full coverage policy.
4. Look for discounts you may be eligible for. For instance, most insurance companies offer a good-driver discount for customers with a clean driving record, a good-student discount, or a discount for paying your premiums in full up front.

To learn more, check out our guide to how much car insurance you need in Florida as well as our picks for the cheapest car insurance companies in Florida.

You can get car insurance discounts in Florida based on how you drive, the car you own, and your relationship with your insurance company. In Florida, car insurance companies are allowed to consider factors like employment, residential, and marital status when setting premiums. That means there are also discounts available for being married, owning a home, or being affiliated with certain employers or educational institutions.

Almost anyone can get a discount on car insurance in Florida because most insurance companies make it easy to qualify for a variety of savings. Florida insurers typically offer discounts that fall into one of three categories—policy discounts, driver discounts, and vehicle discounts.

Policy discounts typically reward customer behavior that is desirable to the insurance company. For example, most Florida drivers can save by registering for paperless billing or getting both home and auto policies from the same company. Driver discounts are available to Florida residents who are lower-risk to insure, like those with clean driving records. And vehicle discounts help drivers save if their car has certain safety features or anti-theft systems.

Car Insurance Discounts in Florida

Remember, discounts vary among different insurance companies, so it's always best to contact the provider directly to determine which discounts you qualify for.

Drivers in Florida need $10,000 of property damage liability insurance. Florida also requires personal injury protection (PIP) insurance. PIP covers medical expenses for you and your passengers after an accident.

Here's How Much Car Insurance Drivers Need in Florida:

If you lease or finance your car, you may be required to carry coverage types that are not mandatory under Florida law. Lenders usually require comprehensive and collision insurance. Collision insurance covers repairs to your car when you hit another car or object. If the damage to your vehicle was caused by something other than a collision—like a natural disaster, vandalism, falling objects, or animals—it is most likely covered by comprehensive insurance. Lenders may also require gap insurance, which covers the difference between what you owe on your loan or lease and what the vehicle was worth if it gets stolen or totaled.

Even if you're not required to carry these optional coverage types, you may still need them. You can learn more about when to drop optional coverage and the penalties for driving without insurance in Florida to make sure you're paying for the coverage you need.

Florida car insurance laws require everyone who registers a car in the state to carry at least $10,000 of personal injury protection (PIP) and $10,000 of property damage liability (PDL). This is not much coverage. In fact, Florida has the lowest insurance requirements in the U.S. (except for New Hampshire, which requires no insurance).

Minimum Coverage Required by Florida Car Insurance Laws

• Personal Injury Protection: $10,000 of coverage is required.
• Property Damage Liability: $10,000 of coverage is required.

Florida Car Insurance Laws for Seasonal Residents

In addition to all cars registered in Florida, Florida's car insurance laws apply to any car that is driven in the state for more than 90 days in a 12-month period. This means Florida's large seasonal population must meet Florida's insurance requirements as well.

Seasonal residents often need to add PIP to their out-of-state policies, since this type of insurance is only required in 12 no-fault states. Residents of the few states with lower mandatory PDL limits also may need additional property damage liability coverage to drive legally in Florida.

How Florida Car Insurance Laws Work

Florida requires its drivers to carry PIP insurance

PIP pays the policyholder's basic medical expenses, no matter who causes an accident. However, Florida doesn't require bodily injury liability—the insurance that pays for the other party's injuries.

Florida's no-fault law is limited

“Fault” becomes an issue in Florida when injuries are permanent or serious (costing over $10,000 in medical bills and/or lost income). In these cases, victims can sue the at-fault driver. To ensure victims can be paid, the at-fault driver in an accident has to provide proof of “financial responsibility.” The most common proof is bodily injury liability insurance. Drivers also have the option of posting a bond of up to $20,000.

Florida's PDL requirements are relatively low

Property damage liability insurance pays for damages a driver causes to other people's property in a crash. The damage can be to cars or other property such as fences or buildings. Florida's PDL requirements are also relatively low. Most states require higher minimum limits, although there are some that require $10,000 like Florida and four that require only $5,000—California, Massachusetts, New Jersey, and Pennsylvania.

Yes, Geico is a good insurance company in Florida. Geico has a 4.5/5 rating from WalletHub editors, as well as an impressive A+ rating from the Better Business Bureau and a decent score of 1.33 from the National Association of Insurance Commissioners (NAIC).

Geico charges $25 per month, on average, in Florida ($295 per year). These premiums are relatively cheap for car insurance companies in Florida.

Geico Premiums in Florida vs. Popular Competitors

To learn more, check out WalletHub's guide to the best car insurance in Florida.