Cheap Florida Car Insurance

Compare the best rates from 11 car insurance companies in Florida.

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Here's what you need to know when driving in Florida

Across the Sunshine State, there are 267,793 miles of road just waiting to be driven. We’ll get you ready with an affordable insurance policy, then you take the wheel.



Cheap car insurance in Florida

What's the cheapest car insurance in Florida?
RankCompany NameAvg. Annual Premium
9State Farm$2,089
1321st Century$2,421
14Windhaven Insurance$2,601
18Liberty Mutual$3,070
19United Automobile$3,492
20Direct General$3,982

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Cheap auto insurance in Florida — for good drivers

Good drivers can save money on car insurance if you have no at-fault accidents, speeding tickets, or DUIs. Insurance companies use your driving record as a way to predict what kind of risk you will pose to them. So, by not having any of these violations you are less risky and therefore cheaper customer for them. In addition to having a cheaper premium, some companies offer a Good Driver discount. While the amount varies based on your company, it can range between 5-10%. If we’re looking beyond just average rates and at individual companies, Nationwide seems to have the cheapest rates for good drivers.

Rating Factor$ Savings% Savings
No Traffic Tickets$52322.49%
No Accidents$67227.16%
Good Credit$1,66648.02%

Cheap car insurance in Florida — for new drivers

Young drivers between the ages of 16 and 25 pay the most for car insurance across the U.S. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. For teen drivers, historically the most expensive drivers to insure, we’ve found that Geico Progressive, and Liberty Mutual are the cheapest companies.

AgeAnnual Rate with ParentsAnnual Rate Alone

Affordable Florida car insurance — for bad drivers

Having a bad driving record can be a huge burden for getting cheap car insurance - no matter your location. In Florida in 2017, a DUI raised rates an average of $934 a year. Other violations, such as an at-fault accident or a speeding ticket will also hurt your driving record. Based on our research, if you’ve had a DUI or at-fault accident, your best bet for cheap car insurance is to shop with Liberty Mutual, State Farm, or Nationwide.

Rating FactorAnnual Rate% Increase
At-Fault Accident$2,47627.16%
Speeding Violation$2,32722.49%
Bad Credit$3,47048.02%

What are the best Florida car insurance companies?

Each car insurance company advertises its low costs. But as with any product or service, the most affordable car insurance policy isn't always the best option. Considering the financial stakes, it's worthwhile to do the due diligence to find a policy that will cover your car adequately in the event of an accident. Work to find the best value, rather than settling for the most affordable auto insurance you find.

Compare top auto insurance companies' fiscal strength and claims satisfaction ratings to better understand the level of service they might provide. Claims satisfaction — measured by J.D. Power — is ranked on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by AM Best and varying from "Poor" to "Superior" — assesses an insurance company's financial strength and ability to meet its contractual and policy obligations.

Insurance CompanyClaims Satisfaction (J.D. Power)Financial Strength (AM Best)
21st Century3Excellent
Direct GeneralNot RatedExcellent
ElectricNot RatedExcellent
EsuranceNot RatedSuperior
InfinityNot RatedExcellent
Liberty Mutual3Excellent
State Farm3Superior


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What insurance coverage do you need in Florida?

Required minimum insurance levels in Florida are $10,000 bodily injury liability coverage per person, $20,000 bodily injury per accident, and $10,000 property damage per accident.

If you opt for the minimum required coverage in Florida, be prepared to pay an average of $1,192 each year. This exceeds the national average by 81%. If you want a higher standard of coverage, select a policy with comprehensive and collision coverages to insure against the costs of car-versus-car collisions, auto theft, or weather incidents. Better coverage comes at a price: in Florida, a comprehensive insurance policy with a $1,000 deductible costs $1,698, 42% more than basic insurance coverage. For comprehensive insurance coverage with a $500 deductible, Florida drivers can expect to pay 53% more than you would for a liability insurance-only policy.

Analyze average expenditures for basic, better, and best insurance coverage levels in the below table.

Comprehensive — $1,000 Deductible
Comprehensive — $500 Deductible
National Average

Florida car insurance laws

What are the state minimum auto insurance requirements in Florida?

In Florida, the minimum coverage requirements are as follows:

  • Property Damage Liability (PDL) - $10,000 per accident
  • Personal Injury Protection (PIP) - $10,000 per person

Optional car insurance coverages in Florida — varying by carrier — include:

  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical and Funeral Services
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured/Underinsured Motorist Bodily Injury

Additional information on coverage requirements in the state of Florida:

Florida auto insurance FAQs

Do you need to have car insurance in Florida?

Yes — as in most U.S. states — you're required to maintain Florida's minimum insurance requirements in order to drive.

Do you need insurance to register a car in Florida?

Yes. To legally register your vehicle in Florida, you will need to show proof of insurance.

Is Florida a no-fault state for car insurance?

Yes, Florida is a no-fault state. This means if you're injured in a crash, you're required to cover your own bodily injury payments — regardless of fault.

Why is car insurance so expensive in Florida?

Auto insurance companies charge higher-than-average rates in many parts of Florida due to the increased likelihood of claims and the state's relatively high share of uninsured drivers. When comparing car insurance rates in Florida, consider uninsured motorist coverage as an add-on.

How much does car insurance cost in Florida cities?

Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Gainesville, Florida, and the most expensive in Hialeah, Florida.

RankCityAvg. Annual Premium
2Miami Gardens$2,946
5West Palm Beach$2,783
6Miami Beach$2,734
8Coral Springs$2,632
9Pompano Beach$2,560
11Fort Lauderdale$2,483
14Pembroke Pines$2,413
16St. Petersburg$2,355
17Spring Hill$2,145
18Port St. Lucie$2,089
22Palm Bay$1,844
24Cape Coral$1,776

Recent Florida Car Insurance Questions and Answers

If I backed into an uninsured car, do I still need to file a claim to fix the car?

Even if the vehicle you backed into was uninsured, it is still your responsibility to pay for the damages if you were at-fault. If the other party doesn't want to go through insurance, then they don't have to.

Will insurance cover a leak in my car's sunroof?

Insurance will only cover things that are a result of a loss. So if the leak in the sunroof was caused by a covered peril — like damage from bad weather — this would count towards a comprehensive claim.

Can an insurance company recant liability and ask for a refund one month after paying me for damages to my vehicle?

I have not heard of a claim decision being reversed and asking for the claims payout money back. They should be providing you with evidence of why they are refusing to pay the claim — if you haven't asked for this already, you should demand it.

Should I stay with my care insurance company even if I'm getting a better quote from elsewhere?

It's possible that your agent is simply trying to keep your business. However, he may actually be correct.

How does a ticket impact auto insurance rates in Florida?

When you receive a ticket your car insurance rates will probably go up. How much your rates rise depends on the violation, your car insurance company's pricing standards, and differing local insurance regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.

Below is a look at average auto insurance rates in Florida after a few common citations.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$3,20456%$1,146
Refused Breathalyzer/Chemical Test$3,10051%$1,041
Reckless Driving$3,14253%$1,083
Driving with a Suspended License$3,11651%$1,057
At-Fault Accident$2,84038%$781
Driving with an Open Container$2,56124%$502
Operating a Vehicle Without Permission$2,62227%$563
Passing a School Bus$2,58426%$526
Improper Passing$2,59626%$537
Following Too Closely$2,57925%$520
Failure to Stop at a Red Light$2,59626%$537
Illegal Turn$2,59626%$537
Driving Wrong Way/Wrong Lane$2,59626%$537
Failure to Yield$2,59626%$537
Speeding in a School Zone$2,58426%$525
Driving Too Slowly$2,58426%$525
Distracted Driving$2,56825%$509
Driving with Expired Registration$2,27410%$215
Failure to Show Documents$2,26310%$204
Not-at-Fault Accident$2,1987%$139
Failure to Use Child Safety Restraint$2,0761%$17
Failure to Wear a Seat Belt$2,0761%$17
Driving Without Lights$2,0590%$0

Florida Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Florida area, while also getting an insider view of the Sunshine State.


So, students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that's great! But there are no limits to what we're looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

How do I choose a location?

The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.


Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply
1. Create a video

Your original video should not exceed 2 minutes

2. Post online

The video must be hosted on YouTube or Vimeo

3. Submit by email

Email your submission to

4. Please include...

your name, address, and phone number when you submit


Selected winner(s) will be awarded a check for $1,000


Applications must be received by 11:59 p.m. CST on December 31st, 2019


Winner(s) will be selected and notified by email by January 31st, 2020

Judges: The Zebra

The winner will be selected based on creativity in the content and presentation

*Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.

Fine Print

By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.

Employees of The Zebra and their immediate family members are not eligible to participate in the contest.

Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.