Florida Car Insurance Calculator
Calculate your auto insurance cost in Florida. Compare with state averages and find savings.
$2,915
Avg Annual Premium
0/0/10 + PIP
Min Liability
Monthly Avg
$243
Full Coverage
$3,678
Min Coverage
$894
Uninsured Rate
20.4%
Florida Car Insurance Requirements
Minimum Liability Coverage
Bodily Injury (per person)$0
Bodily Injury (per accident)$0
Property Damage$10,000
Additional Requirements
PIP RequiredYes ($10,000 min)
Uninsured MotoristOptional
Med Pay RequiredNo
Factors Affecting Car Insurance Rates in Florida
Highest uninsured rateHurricane riskHigh fraud ratePIP requirement
Major Metro Areas in Florida
MiamiOrlandoTampaJacksonvilleFort LauderdaleWest Palm Beach
FAQ
Florida Car Insurance FAQ
Everything you need to know about car insurance rates, requirements, and savings in Florida
The average annual car insurance premium in Florida is $2,915, or about $243 per month. Full coverage averages $3,678 annually, while minimum coverage averages $894. Your actual rate depends on your age, driving record, vehicle, and coverage level.
Florida requires minimum liability coverage of 0/0/10 + PIP ($0/$0 for bodily injury and $10,000 for property damage). Florida also requires Personal Injury Protection (PIP) with a minimum of $10,000.
Key factors affecting Florida car insurance rates include: Highest uninsured rate, Hurricane risk, High fraud rate, PIP requirement. Additionally, your age, driving history, credit score, vehicle type, annual mileage, and coverage level all impact your premium.
Approximately 20.4% of drivers in Florida are uninsured. This is higher than the national average, making uninsured motorist coverage especially important. Uninsured motorist coverage protects you if you're hit by an uninsured driver.
To lower your Florida car insurance: 1) Compare quotes from multiple insurers like State Farm, GEICO, Progressive. 2) Increase your deductible. 3) Bundle with home insurance. 4) Take a defensive driving course. 5) Maintain a clean driving record. 6) Ask about discounts for low mileage, good students, or safe driving apps.
The top car insurance companies in Florida include: State Farm, GEICO, Progressive, Allstate, Citizens. Each company offers different rates and discounts, so it's best to compare quotes from multiple insurers to find the best rate for your situation.
FL Insurance Costs
Average premiums in Florida:
- Annual Average$2,915
- Monthly Average$243
- Full Coverage$3,678
- Minimum Coverage$894
FL Requirements
Minimum coverage required:
- Liability0/0/10 + PIP
- PIP RequiredYes
- UM RequiredNo
- Uninsured Rate20.4%
Top FL Insurers
Popular insurance companies:
- •State Farm
- •GEICO
- •Progressive
- •Allstate
- •Citizens