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How to Get Cheap Car Insurance in Florida

We’ll explain everything you need to know about getting car insurance in Florida: what the minimum requirements are for coverage, which cities are the most expensive, and how you can find cheaper car insurance.

If you want to skip ahead to the savings, you can always start comparing quotes for car insurance. It’s our job to help Florida drivers find the best deals on coverage, no matter what their driving history may be. Let’s get started!

What are the Florida Auto Insurance Requirements?

Florida is known for having the lowest state minimum requirements for car insurance in the U.S.

To legally drive in Florida, you must hold coverage for:

Bodily injury liability — the part of your insurance policy that pays for injuries sustained by passengers in your car or in a vehicle you hit — is not required in Florida (unless you have been in a crash or have a conviction for certain offenses). It’s a wise idea to buy it, however, and most Florida drivers do.

How Much is Car Insurance in Florida?

You’d think auto insurance in Florida would be really cheap because the minimum requirements are so low. This is not the case, however: because of fraud and other factors, Florida is the fourth most expensive state for car insurance in America.

The average quoted premium returned to our consumers in Florida was $3,861 per year, a whopping 38% higher than the national average of $2,790. The amount you’ll pay for coverage depends on several factors, including your gender, your age, and where you live. To find the cheapest rates for you, you need to compare personalized quotes from different companies.

Which Florida Cities Have the Most Expensive Insurance Rates?

We analyzed quotes from drivers across Florida and found the most (and least) expensive cities to insure your car.

Most Expensive Cities in Florida for Car Insurance
City Average Annual Premium
Hialeah $5,977
West Palm Beach $5,892
Boynton Beach $5,658
Boca Raton $5,121
Miami $4,969
Tampa $4,846
Pompano Beach $4,696
Fort Lauderdale $4,340
Clearwater $4,324
Hollywood $4,291
Miami Beach $3,942
Saint Petersburg $3,858
Orlando $3,842
Naples $3,693
Lakeland $3,635
Pembroke Pines $3,625
Kissimmee $3,570
Port Saint Lucie $3,523
Cape Coral $3,480
Fort Myers $3,474
Deltona $3,335
Key West $3,325
Saint Augustine $3,210
Jacksonville $2,973
Pensacola $2,914
Panama City $2,850
Palm Bay $2,823
Tallahassee $2,805
Melbourne $2,802
Sarasota $2,756
Gainesville $2,745
Daytona Beach $2,702
Palm Coast $2,663

How Does Age Affect Florida Insurance Rates?

We were surprised to find that GenXers pay more than millennials, on average, for Florida car insurance.

Florida Car Insurance Premiums by Generation
Generation Average Annual Premium
GenX $3,825
Millennial $3,695
Baby Boomer $3,148
Silent Majority $3,133

We also dug a bit deeper on how much younger drivers with single vehicle policies pay. Look how much more 18-year-olds pay than 25-year-olds. We compared state minimum policies against full coverage policies. The full coverage policies held a $1000 deductible for both comprehensive and collision with liability limits set to 10k/20k/10k and uninsured motorist coverage at 10k/20k.

Average Annual Premium in Florida by Age
Age State Minium Full Coverage
18 $4,886 $6,159
19 $3,992 $4,993
20 $3,204 $4,297
21 $2,985 $4,231
22 $2,504 $3,462
23 $2,418 $3,269
24 $2,281 $3,108
25 $2,436 $2,961

Who Pays More: Men or Women?

Guys typically pay more for car insurance than women, but in Florida, we see rates are fairly close. We compared state minimum rates against full coverage policies having 100k/300k/100k liability coverages and $500 deductibles on comprehensive and collision. Uninsured motorist coverage is also added to the full coverage policy with limits of 100k/300k.

Average Annual Premium in Florida by Gender
Gender State Minimum Full Coverage
Male $2,823 $4,935
Female $2,813 $5,002

What are the Cheapest Car Insurance Companies in Florida?

To get the cheapest insurance, you have to compare rates from several different companies. One company’s quote may be hundreds less than another’s — even when they’re offering basically the same coverage. And did you know that smaller insurance companies often have lower rates than the big guys?

The fastest way to find cheap Florida car insurance is to compare quotes on Compare.com. It takes less than five minutes to enter some basic information about your driving history, your car, and the coverage you’re looking for. Then you’ll get multiple, personalized car insurance quotes online.

Compare Rates from Multiple Florida Car Insurance Companies in Minutes

You can adjust your coverage levels, add extras like rental car coverage and towing coverage, and see how the quotes differ before you buy a policy. To make your rates more affordable, try raising your deductibles or lowering coverage limits. Remember that opting for the state minimum car insurance isn’t always the best idea. It may be worth your while to pay a little more each month, so you can have peace of mind.

Why is Florida Car Insurance So Expensive?

The main reason why car insurance in Florida is so expensive is due to fraud. Scammers love PIP coverage because it’s easy to get a payout without having to file a lawsuit. As a result, PIP coverage can account for 20 percent of your policy costs, up to $2,000 in some parts of south Florida. Florida is somewhat notorious for its high insurance fraud rates.

Another reason is the increasing number of Florida drivers on the roads. People are driving more, and more cars on the road result in more accidents, which means higher auto insurance rates for everyone.

What are Florida’s Car Insurance Laws?

Florida’s a no-fault state for car insurance. This means that instead of filing a claim with the other driver’s insurance company when they’re at fault, you turn to your own personal injury coverage. In Florida, PIP coverage pays for 80 percent of medical bills, 60 percent of lost wages, and $5,000 in death benefits (to cover funeral expenses and the like.) That’s after paying the deductible.

Florida drivers who need medical care as a result of an accident have 14 days to file a claim and seek treatment. That means if you have whiplash from an accident that only becomes apparent a month later, any medical expenses you have will be covered by you and your health insurance, rather than your auto insurance provider. The maximum you can receive is $2,500 if you don’t suffer a serious “emergency medical condition” from the crash.

A lot of people think “no-fault” means they’re safe from lawsuits, and therefore can get along fine with the state minimum car insurance. But in Florida, someone who gets hurt in a car accident can sue the other driver if they suffer a permanent injury or end up with medical bills and lost wages that exceed their PIP insurance coverage. That’s why it’s smart to protect yourself with insurance that’s more than the minimum.

Many drivers also opt to carry medical payment (MedPay) coverage, which can help pay for your medical bills. To increase the potential payout after an accident, Florida drivers also are able to stack their insurance. This allows them to combine multiple limits with multiple policies.

What’s the Penalty for Driving Without Insurance in Florida?

Florida has the nation’s highest percentage of uninsured drivers: 26.7% of drivers have no insurance! That’s bad news. If you’re caught driving without insurance in Florida, the penalties may include the suspension of your registration and license plates for up to three years (or until proof of insurance is provided), plus a reinstatement fee of $150 to $500.

What Are Florida’s Drivers License Requirements?

To obtain a Florida driver’s license, applicants must present the required identification documents and pay the fees. (You can find out which documents you need here.) You’ll have to pass vision and hearing tests, a written test about road signs and road rules, and a driving test.

Drivers under the age of 18 have a system of graduated steps before they can get a full license. At 15, the minor can obtain a learner’s permit with parental consent, proper identification, passing a knowledge test, taking a vision and hearing test, and completing a Traffic Law and Substance Abuse Education course. After fifty hours of time behind the wheel (with no traffic convictions!) and a year with the learner’s permit, the driver can get an intermediate license. This includes a curfew and other restrictions. At 18, the driver is eligible for a full license.

What Are Florida’s Safe Driving Laws?

All drivers, all front-seat passengers and all passengers under the age of 18 must wear seatbelts in a moving car, according to Florida law. Police can pull you over and give you a ticket if you’re not wearing your seatbelt.

Texting and driving is a secondary offense in Florida, which means police can’t cite you for doing it unless they pull you over for another offense, such as speeding. But don’t use lenient laws as an excuse to use your phone while driving! Distracted driving caused more than 50,000 crashes and killed 220 people in Florida in 2017.

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