All what You Need To Know About Florida Auto Insurance

Auto insurance in Florida costs an average of $2,425 per year, which is 59 percent more than the national average. Many factors influence car insurance prices, including a driver's age, driving history, and region. We studied average Florida vehicle insurance rates to provide you with a frame of reference for determining whether what you're paying is reasonable.

Continue reading to find out how much vehicle insurance costs in Florida, or enter your ZIP code above to get customized quotes from major insurance companies.

Florida's finest car insurance companies

According to third-party assessments from J.D. Power, these are the top three vehicle insurance providers in Florida.

USAA won first place.

USAA not only received an 898 (out of 1,000) in J.D. Powers' 2021 U.S. Auto Insurance Study for Florida, but it also received top scores in The Zebra's Customer Satisfaction Survey.

State Farm took second place.

State Farm came in second place in J.D. Power's 2021 vehicle survey, with an 848 out of 1,000 score.

Allstate 3rd place medal

Allstate is one of the most popular insurance providers, ranking third in J.D. Power's 2021 customer satisfaction survey with an 846 score.

Important takeaways

On average, Floridians pay 59 percent more for vehicle insurance.

Travelers is the cheapest major vehicle insurance carrier in Florida.

Florida's cheapest car insurance companies

In the following conditions, these companies provide the most affordable rates.

Travelers are the cheapest in general.

The average monthly cost for travelers is $169, which is less than Florida's average of $202.

After an at-fault accident and a DUI, traveling is the cheapest option.

Following an at-fault collision or DUI, we discovered that Travelers had the cheapest premiums.

GEICO is the cheapest insurance for teen drivers.

Insurance for teenage drivers aged 16 to 19 might be prohibitively expensive. GEICO offers the best deal, at $454 per month or $5,453 per year.

Company                                 Avg. Annual Premium

Travelers                                         $2,026

State Farm                                 $2,214

GEICO                                         $2,629

Mercury                                         $2,909

Allstate                                         $3,280

Progressive                                 $3,289

United Automobile Ins Group $3,326

Dynamic auto insurance data methodology

Methodology: The automobile insurance rates shown above and across this page are dynamic, which means that they will update as new information becomes available. The rates are predicated on a 30-year-old single male driver who owns a Honda Accord and has full coverage. Age, coverage level, driving record, and other standard price parameters utilized by major vehicle insurance providers were used to adjust this profile.

Florida's automobile insurance regulations

In practically every state, car insurance is required. The rules for car insurance coverage in Florida, which is a no-fault state, differ from those in most other states. Florida does not require bodily injury liability coverage (which is generally required). Injuries are instead covered by personal injury protection (PIP).

Expect to pay an average of $754 per year if you choose the legal minimum coverage level in Florida. This rate is 51 percent less expensive than the national average.

Expect to pay around $754 per year for the legal minimum coverage level in Florida.

State-mandated coverage

In order to drive legally in Florida, you must have at least the following minimum liability limits:

Liability for Property Damage: $25,000 per accident

$10,000 per person in personal injury protection

Optional Florida coverage (varies by carrier):

  1. Comprehensive
  2. Collision
  3. Liability for bodily injury
  4. Medical expenses
  5. Providing roadside assistance
  6. Coverage for uninsured/underinsured drivers
  7. a vehicle with a blue windscreen

If you want more complete safety and coverage, you can go for a policy that includes comprehensive collision coverage, which will cover the costs of car accidents, theft, vandalism, and weather-related occurrences. This is referred to as "full coverage."

Keep in mind that stronger coverage comes at a price: a comprehensive insurance policy with a $1,000 deductible costs $2,268, or 201 percent more than liability-only vehicle insurance in Florida, which is already a pricey state for auto insurance. Expect to pay 232 percent more for a comprehensive policy with a $500 deductible than you would for basic coverage.

Comprehensive insurance coverage with a $1,000 deductible costs $2,268, which is 201 percent higher than liability-only auto insurance in Florida.

Florida vehicle insurance laws explained by the Zebra
With our useful information, you can learn more about Florida's vehicle insurance requirements.

Compare vehicle insurance quotes from the best Florida carriers.
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Premiums for vehicle insurance in Florida by rating factor
Your coverage level, driving history, geography, and other factors all play a role in determining how much you pay for auto insurance. We compiled average rates by rating criteria below to give you a clearer sense of how much you should be spending on premiums in Florida.

Minimum coverage auto insurance in Florida is inexpensive.
Your automobile insurance will be substantially cheaper if you forego comprehensive coverage in favor of liability-only coverage at the state minimum level.  In Florida, the average cost for minimum coverage is $63 per month, or $754 yearly — a savings of $1,749 compared to full coverage

Company                                     Avg. Annual Premium

Travelers                                                         $592
Mercury                                                         $610
GEICO                                                         $635
State Farm                                                 $718
Allstate                                                         $1,034
Progressive                                                 $1,399
United Automobile Ins Group                 $1,453

With terrible credit, you can get cheap auto insurance in Florida.
Your credit score is a component that affects your rate in practically all states. Because insurance firms know that drivers with weak credit are more likely to cause accidents, rates are substantially higher if you have bad credit. Florida drivers with bad credit pay $2,533 more per year on average than those with excellent credit. Check out how different companies charge people with weak credit in the table below.

Company                             Avg. Annual Premium

United Automobile Ins Group     $3,326
Travelers                                             $4,067
State Farm                                     $4,091
GEICO                                             $4,625
Mercury                                             $4,671
Progressive                                     $5,143
Allstate                                             $6,056

With an at-fault accident in Florida, you can get cheap auto insurance.
A history of accidents or fines can have a significant impact on the amount you pay. This is because your driving record is yet another indicator of risk, and insurance companies like to avoid risk. A recent at-fault accident on your driving record could result in a $992 annual rate increase.

Discounts for safe drivers

Some businesses give a safe driving discount in addition to a lower rate. While the percentage varies for each organization, it might be anywhere between 5 and 10%.

Company                         Avg. Annual Premium

Travelers                                         $2,621
State Farm                                 $2,982
GEICO                                         $3,303
United Automobile Ins Group $4,282
Progressive                                 $4,825
Mercury                                         $4,926
Allstate                                         $5,066

In Florida, teenage drivers can get cheap car insurance.
Young drivers aged 16 to 25 spend the most on vehicle insurance in the United States. Teen drivers pay more than three times the national average for vehicle insurance due to the danger posed by novice drivers. Teen drivers aged 16 to 19 in Florida pay $6,295 per year, which is $4,766 more than the national average and 160 percent more than a 30-year-old Florida driver would pay.

Company                      Avg. Annual Premium

GEICO                                       $5,453
Travelers                                       $6,166
State Farm                               $7,116
United Automobile Ins Group      $8,255
Progressive                               $9,273
Allstate                                       $10,567
Mercury                                       $14,784

Rates of Florida auto insurance by infraction

Your auto insurance rates will almost certainly increase if you earn a ticket. The amount of your rate rise is determined by the infraction, the pricing guidelines of your auto insurance provider, and local insurance rules. As a result, tickets in your state may have a different impact on insurance than the national average.

After a few common violations, see the average vehicle insurance prices in Florida below.

Accident/Violation    Avg. Annual Prem% Rate Increase $ Rate Increase

One Med/PIP claim                         $2,923                             0%                             $0
None                                                 $2,923                         0%                             $0
Not-at-fault accident                         $3,029                         4%                             $106
Two Med/PIP claims                         $3,139                         7%                               $216
One comp claim                                 $3,159                         8%                             $236
Two comp claims                                    $3,256                         11%                             $333
Child safety restraint                         $3,306                         13%                             $383
Failure to wear a seat belt                 $3,306                         13%                             $383
Failure to show documents                 $3,317                         13%                             $394
Driving without lights                         $3,317                         13%                             $394
Speeding 6 - 10 MPH over limit         $3,352                         15%                             $429
Passing school bus                                 $3,391                         16%                             $468
Wrong way/wrong lane                         $3,406                         17%                             $483
Improper passing                                 $3,408                         17%                             $485
Failure to stop at a red light                 $3,411                         17%                             $488
Failure to yield                                 $3,411                         17%                             $488
Illegal turn                                         $3,413                         17%                             $490
Driving with expired registration         $3,417                         17%                            $494
Following too closely                         $3,417                         17%                            $494
Cell phone violation                         $3,417                         17%                            $494
Texting while driving                         $3,427                         17%                            $504
Speeding 11 - 15 MPH over limit         $3,478                         19%                             $555
Speeding in school zone                         $3,506                         20%                             $582
Driving too slowly                                 $3,506                         20%                             $582
Speeding 16 - 20 MPH over limit         $3,607                         23%                             $684
Speeding 21 - 25 MPH over limit         $3,630                         24%                             $707
Operating a vehicle without permission $3,674                         26%                             $751
Open container                                 $3,722                         27%                             $799
In 65 MPH zone                                 $3,878                         33%                             $955
At-fault accident - less than                    $1000 - $4,122         41%                             $1,199
At-fault accident -                                   $1000-$2000 $4,201 44%                            $1,278
At-fault accident - greater than               $2000 $4,201         44%                             $1,278
Racing                                                 $4,399                         50%                             $1,475
DUI                                                         $4,488                         54%                            $1,565
Refusal to submit to a chemical test $4,488                         54%                            $1,565
Driving with a suspended license         $4,599                         57%                             $1,676
Reckless driving                                 $4,651                         59%                             $1,728
Leaving scene of an accident/hit and run$4,7 50                         61%                            $1,782

DUI laws in Florida

A DUI conviction in Florida can boost your annual vehicle insurance premium by more than 50%. It can be difficult to find reasonable auto insurance after a DUI conviction. In fact, most single traffic offenses result in a higher premium rise than a DUI.

Low-cost vehicle insurance in Florida after a DUI

If you've been convicted of a DUI or DWI in Florida, you should carefully consider your insurance options. Following a DUI, car insurance prices might vary significantly depending on the carrier. For example, Travelers, Florida's least expensive vehicle insurance provider with a DUI, promotes annual prices 35 percent lower than the state's average DUI insurance rate. The second-cheapest vehicle insurance provider after a DUI in Florida is State Farm, while the most expensive is United, with prices 26% above average.

Company                                   Avg. Annual Premium

Travelers                                                      $2,911
State Farm                                              $3,471
Progressive                                              $3,714
GEICO                                                      $3,893
Allstate                                                      $4,192
Mercury                                                      $4,233
United Automobile Ins Group              $5,670

There is no single insurer that offers a low-cost DUI vehicle insurance policy that is equivalent to a policy without a DUI on your record. After receiving a DUI citation, it is recommended that you shop around with as many providers as possible to save money.

To analyze your options and select a cost-effective coverage, compare and buy vehicle insurance online or contact an insurance representative.

Find out more about vehicle insurance and DUI offenses.

SR-22 insurance in Florida

A violation such as a DUI conviction, a penalty for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license triggers an SR-22.

In Florida, how can you get an SR-22?

Drivers who are currently insured
Requesting an SR-22 is simple if you have valid auto insurance coverage. Make a request to your insurance carrier to make an SR-22 certificate request on your behalf. You should hunt for a new auto insurance company if your present one refuses to request a certificate.

For uninsured motorists

You may be charged an upfront cost to have your prospective insurer file an SR-22 request on your behalf and cover your high-risk driving profile when applying for new coverage. Some insurance companies will refuse to issue you a policy if you require an SR-22 certification, while others will.

Drivers who do not have a vehicle

When you don't own a car, it's more difficult to get an SR-22 because you'll need to provide proof of insurance to get the certificate. If you don't own a car, you should get a non-owners auto insurance policy first before filing an SR-22. Because it does not cover physical damage to your vehicle, non-owner auto insurance is usually less expensive than regular coverage.

Learn more about the requirements for an SR-22 certificate and how they affect insurance prices.

In minutes, you may get an inexpensive policy in Florida!
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  2. No unwanted phone calls. 
  3. Free quotations
  4. City-by-city rates
  5. Car insurance providers compute your rate depending on a variety of factors, one of which is the vehicle's location.

Have a look at the table below to see average car insurance costs in some of Florida's biggest cities.

City Avg.                                 Annual Premium

Jacksonville                                     $2,745
Orlando                                             $2,958
St. Petersburg                                     $3,204
Tampa                                             $3,653
Miami                                             $3,938

Florida car insurance price trends

The average annual cost of auto insurance in Florida has risen by $101 in the last year. A typical Florida driver pays $2,425 per year on average.

In Florida, pricing trends tend to incline toward significant rises — often by hundreds of dollars — and less frequently, minor reductions. The greatest drop occurred between 2013 and 2014, whereas the greatest increase occurred between 2015 and 2016. Car insurance rates, on the other hand, have been relatively stable in recent years, rising from $1,521 in 2018 to $1,529 in 2021.

FAQ about vehicle insurance in Florida

Answers to some of the most frequently asked questions about Florida vehicle insurance can be found below.

Who in Florida has the cheapest auto insurance?

Travelers offer the most affordable full coverage insurance in Florida. State Farm also provides lower-than-average rates. Comparing vehicle insurance quotes from as many providers as possible is the best method to discover the lowest car insurance in Florida.

Why is vehicle insurance in Florida so expensive?

The average insurance premium in Florida is 59 percent more than the national average. This is owing to the high number of uninsured drivers in the state, as well as higher-risk drivers, unpredictable weather, and mandated insurance legislation.

Is Florida a no-fault car insurance state?

Florida is, indeed, a no-fault state. This means that if you're hurt in a car accident, you're responsible for your own physical injury payments, regardless of who is at fault.

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