Compare Florida Car Insurance Rates

Just looking to get auto insurance quotes?

florida $135.42/mo.
National $89.17/mo.

Average Premiums

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!

How Much is Car Insurance in Florida?

You’d think comparing auto insurance rates in Florida would be really easy and cheap because the minimum requirements are so low. This is not the case, however: because of fraud and other factors, Florida is one of the most expensive states for car insurance in the U.S.

The average quoted premium returned to our consumers in Florida was $1,625 per year, a whopping 51% higher than the national average of $1,071. This was an average of state minimum policies with only one driver across all ages and vehicles.

The amount you’ll pay for coverage depends on several factors, including your gender, your age, and where you live. To find the cheapest car insurance rates for you, you need to compare personalized quotes from different companies.

Which Florida Cities Have the Cheapest Auto Insurance Rates?

We analyzed thousands of car insurance quotes in over 100 Florida cities to help give you an idea of what you might pay. Check out the table below to find average rates in cities all across The Sunshine State:


City Average Monthly Car Insurance Premium
Altamonte Springs $114
Apopka $120
Auburndale $128
Boca Raton $143
Boynton Beach $164
Bradenton $107
Brandon $147
Brooksville $118
Cape Coral $104
Casselberry $112
Clearwater $123
Clermont $110
Cocoa $108
Coral Springs $144
Davenport $97
Daytona Beach $91
Deerfield Beach $147
Deland $102
Delray Beach $158
Deltona $99
Eustis $96
Fort Lauderdale $146
Fort Myers $115
Fort Pierce $108
Fort Walton Beach $93
Gainesville $85
Hallandale $123
Hialeah $167
Holiday $128
Hollywood $153
Homestead $160
Hudson $126
Jacksonville $117
Jupiter $107
Kissimmee $121
Lake City $89
Lake Wales $102
Lake Worth $189
Lakeland $114
Land O Lakes $123
Largo $110
Leesburg $97
Lehigh Acres $138
Longwood $109
Lutz $145
Melbourne $98
Miami $152
Miami Beach $119
Miami Gardens $153
Middleburg $114
Milton $94
Naples $106
New Port Richey $132
North Fort Myers $99
North Miami Beach $109
North Port $94
Ocala $95
Ocoee $134
Opa Locka $154
Orange Park $108
Orlando $127
Ormond Beach $86
Oviedo $109
Palm Bay $98
Palm Beach Gardens $120
Palm Coast $89
Palm Harbor $145
Panama City $86
Pensacola $101
Pinellas Park $150
Plant City $115
Pompano Beach $149
Port Charlotte $100
Port Orange $91
Port Richey $119
Port St. Lucie $120
Punta Gorda $86
Riverview $129
St. Augustine $85
St. Cloud $111
St. Petersburg $123
Sanford $103
Sarasota $98
Sebring $86
Spring Hill $119
Stuart $107
Tallahassee $88
Tampa $172
Titusville $99
Valrico $123
Venice $89
Vero Beach $97
Wellington $143
Wesley Chapel $121
West Palm Beach $176
Winter Garden $103
Winter Haven $128
Winter Park $115
Winter Springs $104
Zephyrhills $106

Click on the name of each city in the table above to find detailed breakdowns on all the factors that go into calculating your monthly premium. Here, you’ll find all the information you need on how things like driving record, age, gender, vehicle make and model, and more will affect how much you pay for car insurance in each locality.

And if you want to jump right in and see how much you’ll pay, simply enter your ZIP code below and find your best rate in minutes!

Cheap Liability Coverage in Florida

You’d think it would be easy to buy cheap liability car insurance in Florida. After all, the state requirements are super low: $10,000 in property damage liability and $10,000 in PIP coverage. That’s it. However, Florida is one of the most expensive states for insurance in the U.S.

Luckily, is here to help you find the best possible rates for liability car insurance. Enter your info, select “state minimum” and check out your quotes. Just be aware that certain factors, such as driving history and age, can have an outsize effect on the amount you pay. On average, an 18-year-old Florida driver pays $2,777 per year for state-minimum coverage, while a 25-year-old pays only $1,553.

How Does Age Affect Florida Insurance Rates?

Sorry millennials! On average, you folks pay the most for Florida car insurance.

Florida Car Insurance Rates by Generation
Generation Annual Premium
Millennial $1,724
GenX $1,608
Silent Majority $1,611
Baby Boomer $1,432

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.

Florida Car Insurance Rate Comparison for Young Drivers
Age State Minimum Rates Full Coverage Rates
18 $2,777 $4,919
19 $2,705 $4,870
20 $2,270 $3,551
21 $2,227 $3,962
22 $1,785 $3,462
23 $1,727 $3,101
24 $1,516 $2,858
25 $1,553 $2,648

Gender Comparison: 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.

Florida Car Insurance Rate Comparison: Male vs Female
Gender State Minimum Full Coverage
Male $1,552 $2,938
Female $1,577 $2,755

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 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 the Cheapest Rates for Florida Car Insurance 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 the Florida Auto Insurance Minimum 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.

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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How Does "No-Fault" Car Insurance Work in Florida?

As we mentioned above, Florida is an example of a no-fault state. Florida’s no-fault law requires every driver to carry $10,000 in Personal Injury Protection (PIP) insurance, which covers your medical bills and lost wages after a crash, regardless of who’s at fault. Basically, you’re covered by your own PIP in multiple scenarios: if you’re the driver in a crash, if you’re a passenger in a crash, or even if you’re injured in a collision with a vehicle while you’re walking or biking. Your PIP also may cover your child, members of your household and passengers who don’t have their own PIP insurance.

Why does Florida have a no-fault law? Well, the intention of the law was to get injured drivers help more quickly while discouraging lawsuits. The reality, sadly, is that “Florida leads the nation in staged crashes and questionable claims,” according to the governor’s office.

There are some major limits and exceptions to this no-fault policy. You can still sue another driver if a) you suffer a permanent injury or b) you end up with medical bills and lost wages that exceed your PIP insurance coverage.

Let’s look at some hypothetical scenarios.

Scenario 1: You Suffer Minor Injuries in a Car Accident

At a four-way stop, you scan the intersection, see it’s clear, and then hit the gas at the same time as the person to your left does. He hits the driver’s side of your SUV. Fortunately, you can walk away from the accident; unfortunately, you sustain an injury to your shoulder joint. The injury requires three weeks’ medical leave from your job and three more weeks of physical therapy.

No-fault injuries

If you live in a no-fault state, you file a claim with your own PIP insurance provider. In Florida, PIP coverage pays for 80 percent of medical bills; 60 percent of lost wages; and $5,000 in death benefits. But you’ll have to pay the deductible, and the maximum you can receive for your medical bills is $2,500 in a scenario like this one, because your injury doesn’t count as an “emergency medical condition.” Also, you must seek medical treatment within 14 days of the accident, or your expenses won’t be covered by PIP.

Because of the limits on your PIP policy, you end up losing $2,000 in out-of-pocket medical expenses and lost wages. That stings. Can you sue the other driver? No, because your lost wages/medical bills don’t exceed the $10,000 PIP limit. If you have medical payments (MedPay) insurance, however, that can make up the difference.

Scenario 2: You Cause an Accident with Significant Injuries

Your phone dings, you glance down, and wham, you slam into the back of a minivan that stopped to take a left turn. You’re fine, but unfortunately the other driver sustains a serious neck injury from the crash and is whisked away to the hospital.

The other driver’s PIP insurance isn’t enough to cover his medical bills and lost wages, so he ends up suing you for the difference. Your PIP won’t cover his claim, but your bodily injury liability can, if you carry it. If you don’t have it, and you’re found liable, you may have to pay for the other driver’s expenses yourself.

Scenario 3: You’re in an Accident that Leaves You with Permanent Injuries

You’re driving home on I-75 when a sleep-deprived trucker swerves into your lane and hits you, sending your Jeep rolling down the embankment. Fortunately, you were buckled in, but in that rollover crash you suffer a head injury and a lower back injury. For months after the crash, you’re left with blinding migraines and severe lower back pain. Your doctor tells you these problems might be permanent.

“In Florida car crash cases, the most hotly disputed issue is undoubtedly the issue of permanency – or more plainly, did the claimant suffer a permanent injury within a reasonable degree of medical probability,” explains attorney Kim Michael Cullen. Why is that? Florida’s no-fault law says you can only sue for damages related to pain, suffering, mental anguish, and inconvenience if your injury is permanent. So if you suffer significant and permanent scarring, disfigurement, injury or the loss of an important bodily function, you can sue for recompense.

In this scenario, if doctors and the court deem your injuries to be permanent, you could potentially sue the negligent driver for your pain and suffering. If your injuries are not considered permanent, you’re limited to suing for your out-of-pocket medical expenses (including future bills), lost wages after the accident and, if applicable, the loss of your ability to earn money in the future.

How Do I Get Cheap No-fault Auto Insurance?

When you’re comparing auto insurance quotes, you’ll need to balance two things: price and protection. Florida is already one of the most expensive states for car insurance, so you don’t want to pay more than you have to; but, as we saw in the scenarios above, it’s really important to have adequate coverage.

This is where we can help. When you compare auto insurance quotes side by side, you can adjust your coverage levels to see how much more or less you’ll pay for added protection, such as uninsured motorist bodily injury and comprehensive/collision insurance. To make a policy cheaper, try increasing your deductible or dropping extras like rental car and towing coverage.

Ready to see how much you can save? Compare Florida car insurance options and get multiple quotes for your vehicle. Start now.

What Fees Will I Have to Pay When Buying a Car in Florida?

If you’re in the market for a new or used car, you’ll need to budget for more than just the vehicle’s sticker price. You’ll be on the hook for basic DMV fees like title, license plate, and registration fees no matter where and how you purchase your new car, truck or SUV, as well as buying a new car insurance policy for your car. But some buyers will find themselves with additional fees such as sales tax, documentation fees, personal property tax, emissions and inspection fees, hybrid and electric vehicle fees, lien recording fees and a slew of other costs.

Check out’s comprehensive vehicle costs breakdown to make sure you account for all the added fees you might be on the hook for when buying a car in Florida.