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How to Get Cheap Car Insurance in Florida

We’ll explain everything about car insurance in the Sunshine State: why it’s so expensive, what the minimum requirements are for coverage, and how you can find cheaper car insurance in Florida.

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 and to calculate exactly how much you’ll be paying. We can break down your annual premium costs and how much it will cost per month. Let’s get started!

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. Florida is the sixth most expensive state for car insurance in America.

The average quoted premium returned to our consumers in Florida was $2,520.15 per year, a whopping 53% higher than the national average of $1,644.71. There are a lot of reasons why car insurance in Florida is so expensive, some of them legal, and some of them demographic. We’ll walk through them a bit more further down.

Depending on who you are and where you live, that number can go way up. In Hialeah, FL, one of the most expensive cities in the U.S. for insurance, the average driver with a clean driving record might pay an average of $4,386, almost three times the national average.

Average Car Insurance Costs by City

City Average Annual Premium
Tallahassee $2,215
Port Saint Lucie $2,263
Cape Coral $2,321
Jacksonville $2,356
Saint Petersburg $2,372
Orlando $2,694
Fort Lauderdale $2,829
Tampa $3,106
Miami $3,370
Hialeah $4,386

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:

In most other states, bodily injury liability — the part of your insurance that pays for injuries sustained by passengers in your car or in a vehicle you hit — is not required in Florida. It’s a wise idea to buy it, however, and most Florida drivers do.

Why is Florida Car Insurance So Expensive?

The main reason why car insurance in Florida is so expensive is 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 it’s 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. Of drivers who’ve shopped with Compare.com, 25% in Florida report an accident, ticket or claim, compared to a national average of 18%. That’s a big difference.

What’s the Best Way to Get Cheap Auto Insurance in Florida?

This is where we can help. The number one way to get the best deal on auto insurance coverage in Florida is to compare rates from many different insurance companies. You’ll be amazed by how much quotes for the same coverage can differ — one company’s quote may be hundreds less than another’s. If you’re only comparing brands you’re familiar with, you may be losing out on the opportunity to save some extra cash.

Comparing quotes with Compare.com is easy. 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 right online. 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 policy more affordable, try adjusting your deductibles and limits.

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Remember that opting for the minimum basic car insurance isn’t always the best idea. When you factor in medical and legal bills, plus damage to your vehicle and other vehicles, an accident may cost far more than the minimum pays for.

It may be worth your while to pay a little more each month, so you can have peace of mind. Uninsured motorist coverage, comprehensive coverage, medical payments, and collision insurance are not required by law; however, these supplemental coverages may save you a lot of stress if an accident does occur.

Florida 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 an “emergency medical condition” from the crash. That’s defined as anything where a lack of medical care could result in endangering one’s health, impairing their normal bodily functions, or any bodily organ.

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

So if Florida’s a No-Fault State, I Can’t Get Sued — Right?

Wrong. 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
  • End up with medical bills and lost wages that exceed their PIP insurance coverage

Is There a Penalty for Driving Without Insurance in Florida?

In a word – yes. Failure to meet the minimum insurance requirements for Florida can result in some stiff penalties, including:

  • Suspension of driving privilege: including registration and license plates, for up to three years (or until proof of insurance is provided)
  • A reinstatement fee: $150 to $500, depending on the number of violations

Can I Keep My Previous Policy if I Just Moved to Florida?

Florida drivers need an auto insurance policy registered through the state of Flordia. This means a policy issued through an insurance company licensed to sell in Florida. Read our Florida Car Registration and Licensing guide to learn what steps you need to take when getting a Florida driver’s license, registering your car, and more.

Is Car Insurance Mandatory in Florida if I Only Live There Part-Time?

Yes. Any vehicle with a valid Florida license plate and registration is required to have Florida auto insurance for the entire registration period. If you spend half the year in another state, and you really don’t want to pay extra for insurance, you have the option of surrendering your license plate and registration when you leave, then re-registering when you return. Honestly, though, that seems like more trouble than it’s worth. You’re probably better off just buying cheap Florida car insurance and hanging onto it.

Ready to see how much you can save? Read more on our Florida Articles Page or start saving time and money by comparing multiple car insurance quotes for your vehicle today.

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