Florida Auto Insurance
Average Florida auto insurance rates are $105/mo and Florida auto insurance laws require drivers to carry 10/20/10 of bodily injury and property damage coverage. To save on Florida car insurance online, shop around for Florida auto insurance quotes from the Florida auto insurance companies in your area using our quote comparison tool below.
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UPDATED: Nov 12, 2020
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Known as the “Sunshine State”, Florida has become a popular destination for both tourists and those looking to live in one of the most beautiful parts of the country. Like every other state, if you plan on driving in Florida – you’re going to need insurance coverage. Below we’ll take a brief look at what it takes to insure a car here in Florida.
Florida Auto Insurance Laws And Requirements
In Florida, the state liability coverage minimums are:
- Bodily Injury Coverage – $10,000 per person
- Bodily Injury Coverage – $20,000 per accident
- Property Damage Coverage – $10,000 per accident
Take a look at how Florida’s minimum rates compare with surrounding states.
Personal Injury Protection (PIP) minimums:
- $10,000 per person
Optional coverage options in Florida include:
- Comprehensive Coverage
- Collision Coverage
- Medical and Funeral Services
- Rental Car Coverage
- Towing and Labor Coverage
- Uninsured/Underinsured Motorist Coverage
Like many other states, Florida requires insurance coverage to be maintained as long as a vehicle is registered and has license plates. Regardless of whether the vehicle is being actively driven or just stored in a garage, if it has a valid Florida registration and plate, it must be insured. On the plus side, Florida’s mandatory insurance laws are quite affordable and minimum coverage amounts are on the low side when compared to other states.
Personal injury protection insurance – or “PIP” – is Florida’s “no-fault” insurance coverage that covers injuries received in an accident. Anyone registering a vehicle must maintain at least $10,000 in PIP coverage to be considered “insured”. Essentially, the policy covers the driver (and family members without their own PIP) up to the purchased coverage amount in case of accident, regardless of who caused the crash. PIP coverage follows the purchaser any time they step into a vehicle in Florida, whether it’s as a driver or passenger, or even as a pedestrian or cyclist. If you have PIP and you’re in any form of vehicle accident, you will be covered. It’s best to get the highest amount of PIP as you can afford, since this is the insurance that will cover things like medical bills.
The other mandatory auto insurance policy for Floridians is property damage liability, or “PDL” insurance. A minimum of $10,000 in PDL coverage is required for anyone with a registered vehicle in the state. PDL insurance basically pays for any damage that you have caused in an accident, whether it’s to another person’s car, or house, or any other property. Again, since the amount of coverage one would use is entirely dependent factors related to the accident itself, it’s best to purchase as much PDL coverage as you can afford. This is especially true for those with teen drivers in the household, as they are statistically more likely to be involved in fender-benders.
The final policy that most drivers in Florida purchase is bodily injury liability, or “BIL” insurance coverage. While not mandatory, it’s an essential policy for anyone getting behind the wheel. This type of coverage pays out for serious injury (or death) as a result of an accident that you are at-fault for. Should you be sued because of the accident, BIL insurance also covers legal representation costs. With many providers, this type of policy will also cover family members and licensed children who are driving the car, but it’s best to check the fine print to see exactly who is covered.
Luckily the insurance rates in Florida are much cheaper in comparison to the other states in the nation.
Let’s take a closer look at the ZIP codes within the state to see how rates changed based on different areas.
There are a lot of factors that auto insurance companies take into consideration when determining your rates. Take a look at our overview here.
While many of these factors are simply based on your own driving record, two things that affect even the safest of drivers are age and gender. As with most states, males typically pay higher auto insurance rates than females.
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Florida Auto Insurance Rates by Company
Though the state boasts very cheap auto insurance rates overall, let’s take a look at how rates vary between some of the largest companies.
But which companies are the largest, holding the most market share percentage in the region?
Florida Driving Statistics
When it comes to safe driving, Floridians have quite a bit to be proud of. Crash statistics in all areas decreased in 2009, with a whopping fourteen percent decrease in auto crash fatalities. There were just 2563 auto crash fatalities in 2009, down from 2983 the year prior. Total crashes declined about three percent, down from 243,300 to about 235,800.
The bad news, unfortunately, is that Florida ranks third-highest (by state) in the nation for total vehicle thefts with 63,000 thefts reported in 2008. This is down by more than 40% over the annual auto thefts reported in Florida throughout the 1990s however, so it is on a downward trend. This is an average rate of about 337 vehicle thefts per 100,000 Floridians, with the Miami area leading Florida’s cities at 700 thefts per 100,000 citizens. The state of Florida has made a major push to combat auto theft over the past decade, teaming up with law enforcement officials to try to stamp out auto crime. It’s clear that while progress is being made, there is a long way to go to move Florida out of the top ten nationally.
Auto insurance in Florida is quite affordable, thanks to the state’s low minimum insurance coverage laws and reasonable policies. While most auto insurance agents would still recommend to anyone purchasing insurance that they exceed these minimums, Florida makes maintaining the bare minimum affordable for every driver. Do your research to find out what policies you can afford, purchase the best coverage you can with your budget, and safe travels!
Florida Auto Insurance Agents
Florida Auto Insurance Agents
- Alachua
- Alford
- Altamonte Springs
- Altha
- Alva
- Amelia Island
- Anna Maria
- Apalachicola
- Apollo Beach
- Apopka
- Arcadia
- Archer
- Astatula
- Astor
- Atlantic Beach
- Atlantis
- Auburndale
- Ave Maria
- Aventura
- Avon Park
- Azalea Park
- Babson Park
- Bagdad
- Bal Harbour
- Baldwin
- Bartow
- Bay Harbor Islands
- Bay Pines
- Bayonet Point
- Bayshore Gardens
- Bell
- Belle Glade
- Belle Isle
- Belleair
- Belleair Beach
- Belleair Bluffs
- Belleview
- Bellview
- Beverly Beach
- Beverly Hills
- Big Pine Key
- Biscayne Park
- Blountstown
- Boca Grande
- Boca Raton
- Bokeelia
- Bonifay
- Bonita Beach
- Bonita Springs
- Bowling Green
- Boynton Beach
- Bradenton
- Bradenton Beach
- Brandon
- Branford
- Brent
- Briny Breezes
- Bristol
- Bronson
- Brooker
- Brooksville
- Bunnell
- Bushnell
- Callahan
- Callaway
- Campbellton
- Canal Point
- Cantonment
- Cape Canaveral
- Cape Coral
- Captiva
- Carol City
- Carrollwood
- Caryville
- Casselberry
- Cedar Grove
- Celebration
- Center Hill
- Century
- ChampionsGate
- Charlotte Harbor
- Chattahoochee
- Chiefland
- Chipley
- Christmas
- Chuluota
- Cinco Bayou
- Citrus Park
- Citrus Ridge
- Citrus Springs
- Clarksville
- Clearwater
- Clermont
- Clewiston
- Cocoa
- Cocoa Beach
- Coconut Creek
- Coconut Grove
- Coleman
- Cooper City
- Coral Gables
- Coral Springs
- Cortez
- Cottondale
- Crawfordville
- Crescent Beach
- Crescent City
- Crestview
- Cross City
- Crystal River
- Crystal Springs
- Cudjoe Key
- Cutler Bay
- Cutler Ridge
- Cypress Gardens
- Dade City
- Dania
- Dania Beach
- Davenport
- Davie
- Daytona Beach
- Daytona Beach Shores
- De Funiak Springs
- De Leon Springs
- Debary
- Deerfield Beach
- DeLand, Florida Auto Insurance (Best Rates + Top Companies)
- Delray Beach
- Deltona
- Destin
- Doral
- Doral Branch
- Dover
- Duck Key
- Dundee
- Dunedin
- Dunnellon
- Eagle Lake
- East Lake
- East Palatka
- Eastpoint
- Eatonville
- Ebro
- Edgewater
- Edgewood
- Eglin AFB
- El Portal
- Elfers
- Elkton
- Ellenton
- Englewood
- Estero
- Esto
- Eustis
- Fanning Springs
- Fellsmere
- Fern Park
- Fernandina Beach
- Ferndale
- Fisher Island
- Flagler Beach
- Fleming Island
- Floral City
- Florida City
- Forest City
- Fort Lauderdale
- Fort Meade
- Fort Myers
- Fort Myers Beach
- Fort Pierce
- Fort Walton Beach
- Fort White
- Freeport
- Frostproof
- Fruit Cove
- Fruitland Park
- Fruitville
- Gainesville
- Geneva
- Georgetown
- Gibsonia
- Gibsonton
- Gifford
- Glen Ridge
- Glen St Mary
- Golden Beach
- Golden Gate
- Goldenrod
- Golf
- Gonzalez
- Goodland
- Gotha
- Goulds
- Graceville
- Grand Ridge
- Grant-Valkaria, FL Auto Insurance
- Green Cove Springs
- Greenacres
- Greensboro
- Greenville
- Greenwood
- Gretna
- Grove City
- Groveland
- Gulf Breeze
- Gulf Stream
- Gulfport
- Haines City Auto Insurance (Cheap Rates + Companies)
- Hallandale
- Hallandale Beach
- Hampton
- Hastings
- Havana
- Haverhill
- Hawthorne
- Heathrow
- Hernando
- Hernando Beach
- Hialeah
- Hialeah Gardens
- High Springs
- Highland Beach
- Highland City
- Highland Park
- Hillcrest Heights
- Hilliard
- Hillsboro Beach
- Hobe Sound
- Holiday
- Holly Hill
- Hollywood
- Holmes Beach
- Homestead
- Homosassa
- Homosassa Springs
- Horseshoe Beach
- Howey in the Hills
- Hudson
- Hypoluxo
- Immokalee
- Indialantic
- Indian Harbour Beach
- Indian River Shores
- Indian Rocks Beach
- Indian Shores
- Indiantown
- Inglis
- Interlachen
- Inverness
- Inwood
- Islamorada
- Jacksonville
- Jacksonville Beach
- Jacob City
- Jan Phyl Village
- Jasper
- Jay
- Jennings
- Jensen Beach
- Jonesville
- Juno Beach
- Jupiter
- Jupiter Inlet Colony
- Jupiter Island
- Kathleen
- Kendall
- Kenneth City
- Key Biscayne
- Key Colony Beach
- Key Largo
- Key West
- Keystone Heights
- Kissimmee
- Labelle
- Lacoochee
- Lady Lake
- Lake Alfred
- Lake Butler
- Lake City
- Lake Clarke Shores
- Lake Hamilton
- Lake Helen
- Lake Mary
- Lake Panasoffkee
- Lake Park
- Lake Placid
- Lake Wales
- Lake Worth
- Lakeland
- Lakewood Park
- Lakewood Ranch
- Lamont
- Land O Lakes
- Lantana
- Largo
- Lauderdale by the Sea
- Lauderdale Lakes
- Lauderhill
- Laurel
- Laurel Hill
- Lawtey
- Lecanto
- Lee
- Leesburg
- Lehigh Acres
- Leisure City
- Lighthouse Point
- Lithia
- Live Oak
- Lockhart
- Long Key
- Longboat Key
- Longwood
- Loughman
- Lutz
- Lynn Haven
- Macclenny
- Madeira Beach
- Madison
- Maitland
- Malabar
- Malone
- Manalapan
- Mango
- Mangonia Park
- Marathon
- Marathon Shores
- Marco Island
- Margate
- Marianna
- Mary Esther
- Masaryktown
- Mascotte
- Matlacha
- Mayo
- McIntosh
- Medley
- Melbourne
- Melbourne Beach
- Melbourne Village
- Melrose, FL Auto Insurance
- Merritt Island
- Mexico Beach
- Miami
- Miami Beach
- Miami Gardens
- Miami Lakes
- Miami Shores
- Miami Springs
- Micanopy
- Micco
- Middleburg
- Midway
- Milton
- Mims
- Minneola
- Miramar
- Miramar Beach
- Molino
- Monticello
- Montverde
- Moore Haven
- Mt Dora
- Mt Pleasant
- Mt Plymouth
- Mulberry
- Naples
- Naranja
- Navarre
- Neptune Beach
- New Port Richey
- New Smyrna Beach
- Newberry
- Niceville
- Nokomis
- Noma
- Norland
- North Bay Village
- North Fort Myers
- North Lauderdale
- North Miami
- North Miami Beach
- North Palm Beach
- North Port
- North Redington Beach
- North Venice
- Oak Hill
- Oakland
- Oakland Park
- Ocala
- Ocean Breeze Park
- Ocean Ridge
- Ocoee
- Odessa
- Ojus
- Okahumpka
- Okeechobee
- Oldsmar
- Olympia Heights
- Opa Locka
- Orange City
- Orange Park
- Orlando
- Orlovista
- Ormond Beach
- Ormond By The Sea
- Osprey
- Osteen
- Oviedo
- Oxford
- Pace
- Pahokee
- Paisley
- Palatka
- Palm Bay
- Palm Beach
- Palm Beach Gardens
- Palm Beach Shores
- Palm City
- Palm Coast
- Palm Harbor
- Palm Shores
- Palm Springs
- Palm Springs North
- Palmetto
- Panama City
- Panama City Beach
- Parker
- Parkland
- Parrish
- Paxton
- Pembroke Park
- Pembroke Pines
- Penney Farms
- Pensacola
- Perrine
- Perry
- Pierson
- Pine Castle
- Pine Hills
- Pinecrest
- Pineland
- Pinellas Park
- Plant City
- Plantation
- Poinciana
- Polk City
- Pomona Park
- Pompano Beach
- Ponce de Leon
- Ponce Inlet
- Ponte Vedra Beach
- Port Charlotte
- Port Orange
- Port Richey
- Port Salerno
- Port St Joe
- Port St John
- Port St Lucie
- Princeton
- Progress Village
- Punta Gorda
- Quincy
- Reddick
- Redington Beach
- Redington Shores
- Richmond Heights
- Ridge Manor
- Riverview
- Riviera Beach
- Rockledge
- Roseland
- Rotonda West
- Royal Palm Beach
- Ruskin
- Safety Harbor
- Samoset
- San Antonio
- San Carlos Park
- Sanford, FL Auto Insurance
- Sanibel
- Sanibel Island
- Santa Rosa Beach
- Sarasota
- Satellite Beach
- Sea Ranch Lakes
- Seaside, FL Auto Insurance
- Sebastian
- Sebring
- Seffner
- Seminole
- Sewall's Point
- Shady Hills
- Shalimar
- Sharpes
- Siesta Key
- Sneads
- Sopchoppy
- Sorrento
- South Bay
- South Daytona
- South Miami
- South Miami Heights
- South Naples
- South Palm Beach
- South Pasadena
- South Venice
- Southwest Ranches
- Spring Hill
- Springfield
- St Augustine
- St Augustine Beach
- St Cloud
- St James City
- St Johns
- St Leo
- St Lucie
- St Marks
- St Pete Beach
- St Petersburg
- Starke
- Stock Island
- Stuart
- Summerfield
- Sun City Center
- Sunny Isles
- Sunny Isles Beach
- Sunrise
- Sunset
- Surfside
- Sweetwater
- Taft
- Tallahassee
- Tamarac
- Tampa
- Tangerine
- Tarpon Springs
- Tavares
- Tavernier
- Temple Terrace
- Tequesta
- The Villages
- Thonotosassa
- Tice
- Tierra Verde
- Titusville
- Town 'n' Country
- Treasure Island
- Trenton
- Trinity
- Tyndall AFB
- Umatilla
- Union Park
- University
- University Park
- Valparaiso
- Valrico
- Venice
- Vernon
- Vero Beach
- Viera
- Village Of Palmetto Bay
- Virginia Gardens
- Wabasso
- Wahneta
- Waldo
- Warm Mineral Springs
- Warrington
- Wauchula
- Wausau
- Waverly
- Webster
- Weeki Wachee
- Welaka
- Wellington
- Wesley Chapel
- West Bradenton
- West Melbourne
- West Miami
- West Palm Beach
- West Park
- Westchase
- Westchester
- Weston
- Westville
- Wewahitchka
- White City
- White Springs
- Wildwood
- Williston
- Wilton Manors
- Wimauma
- Windermere
- Winter Beach
- Winter Garden
- Winter Haven
- Winter Park
- Winter Springs
- Woodville
- Wright
- Yalaha
- Yankeetown
- Yulee, FL Auto Insurance
- Zellwood, FL Auto Insurance
- Zephyrhills, FL Auto Insurance
- Zolfo Springs, FL Auto Insurance
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Additional Florida Auto Insurance Resources
- Florida Office Of Insurance Regulation – Website for the department of insurance in Florida.
- Florida Department Of Highway Safety And Motor Vehicles – Vehicle insurance questions and answers.
- GHSA – Information about Florida’s key highway safety laws.
- State Of Florida – Florida insurance guide (not an official government page).