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Florida Car Insurance
Find some of the best car insurance quotes in the Sunshine State!
Florida is a no-fault state.
To register a vehicle, drivers must carry at least:
- $10,000 in Bodily Injury Liability per Person (BIL)
- $10,000 in per Bodily Injury per Accident
- $10,000 in Property Damage Liability (PDL)
Full-coverage policies average about $2,730/yr (~$228/mo), though your rate depends on age, driving record, location and coverage level. Compare quotes below to see what Florida providers offer for your situation.
Florida Auto Insurance Fast Facts
Key insurance statistics and requirements for Florida
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How to Save Money on Auto Insurance in Florida
Expert tips to reduce your insurance premiums
Compare Regularly
Shop around annually to ensure you're getting the best rates
Bundle Policies
Combining auto and home insurance may qualify you for a multi-policy discount.
Safe Driver Discounts
Maintain a clean driving record to qualify for lower rates
Usage-Based Programs
Telematics and safe-driving apps may reduce your premium.
Education Discounts
Students and alumni may qualify for education-based savings
Safety Features
Anti-theft devices and safety features can lower premiums
What are the best car insurance companies in Florida?
Instead of focusing solely on the cheapest companies, we look at the full picture — offering a balance between the most affordable pricing, coverage types, and the provider's reputation. We prioritize providers known for exceptional customer service, ensuring you're not just getting a good rate, but reliable support when it matters most. Compare quotes today to see what Florida providers are best for your car and wallet.
What is the minimum auto insurance required in Florida?
Florida requires a minimum of $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). (Source Florida Department of Highway Safety and Motor Vehicles)
How much does auto insurance cost in Florida?
The average full-coverage policy in Florida runs about $2,730/yr (~$228/mo); minimum coverage averages about $1,702 per year (≈$142/month). Rates vary by age, driving record, location, and coverage level. (Source: Experian)
Is Florida a fault or no-fault state?
Florida is a no-fault insurance state, meaning that if you're injured in an accident, you file a claim with your own car insurance even if the other driver is at fault.
What factors affect my insurance rates in Florida?
Your rate is influenced by driving record, age, location, vehicle type, credit (where permitted), coverage levels, and available discounts. Younger drivers typically pay more; experienced drivers with clean records generally pay less.
How often should I shop for auto insurance?
It's recommended to compare auto insurance rates annually or whenever you have a major life change (moving, new car, marriage, etc.). This ensures you're getting the best available rates.
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Methodology & Disclosures
Coverage requirements are sourced from Experian, Florida Department of Highway Safety and Motor Vehicles, Bankrate, and Yahoo Finance. Last reviewed [August 2026]. Rates vary by geographic region, number of drivers and vehicles, driving record, credit (where permitted), and other factors; the averages shown are statewide figures, not personalized quotes.