Cheap Florida Car Insurance

Compare the best rates from 12 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 prepped with the best and cheapest insurance, then you take the wheel.

 


 

Cheap Car Insurance

What's the cheapest car insurance in Florida?
RankCompany NameAvg. Annual Premium
1USAA$967
2Electric$1,729
3Amica$1,729
4Progressive$1,811
5Travelers$1,907
6Mercury$1,953
7Allied$1,965
8Esurance$2,061
9State Farm$2,089
10Auto-Owners$2,128
11GEICO$2,129
12Allstate$2,364
1321st Century$2,421
14Windhaven Insurance$2,601
15MetLife$2,929
16Safeco$2,957
17Hanover$2,994
18Liberty Mutual$3,070
19United Automobile$3,492
20Direct General$3,982
21Infinity$4,128

Cheap Insurance for Good Drivers in Florida

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 Insurance for Young Drivers in Florida

Young drivers, those between the ages of 16-25, pay the most for car insurance across the US. 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
16$5,500$5,984
17$5,148$5,604
18$5,117$4,855
19$4,547$3,806

Cheap Car Insurance for Bad Drivers in Florida

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%
DUI$2,74034.17%
Speeding Violation$2,32722.49%
Bad Credit$3,47048.02%

What are the Best Car Insurance Companies in Florida?

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 can find.

Compare top auto insurance companies' fiscal strength and claims satisfaction ratings to better understand the level of service they'll 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 A.M. 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 (A.M. Best)
21st Century3Excellent
Allied3Superior
Allstate3Superior
Amica4Superior
Direct GeneralNot RatedExcellent
ElectricNot RatedExcellent
EsuranceNot RatedSuperior
GEICO3Superior
InfinityNot RatedExcellent
Liberty Mutual3Excellent
MetLife3Superior
Progressive3Superior
State Farm3Superior
Travelers3Superior
USAA5Superior

 

What is the Best Auto Insurance Coverage in Florida?

The required minimum insurance level in Florida is $10,000 Bodily Injury per person, $20,000 Bodily Injury per accident, and $10,000 Property Damage per accident.

If you select the minimum required coverage in Florida, be prepared to pay an average of $1,192 each year. This expenditure is more expensive than the national average by 81%. If you choose better coverage, you can select a policy with comprehensive and collision coverage, insuring 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, expect to pay 53% more than you would for a liability-only policy.

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

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
Florida$1,192.04$1,697.96$1,821.73
National Average$657.66$1,241.26$1,397.94

Car Insurance Laws

State minimum insurance requirements in Florida

In Florida, the state minimum coverage requirements are as follows:
Liability
  • Property Damage $10,000 per accident
Personal Injury Protection (PIP)
  • $10,000 per person
Optional coverage in Florida (varies by carrier):
  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical and Funeral Services
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured/Underinsured Motorist Bodily Injury

Liability coverage is legally required in Florida and pays for damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident under the property damage portion of your policy. Although bodily injury coverage can technically be rejected, it is normally considered vital to a basic policy to pay for injury that you may cause to another driver or their passengers should you be considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Florida, the cheapest insurance minimum is listed as 10/20/10 and explained below:

$10,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.

$20,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.

$10,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

Personal Injury Protection of $10,000 per person is required in Florida and will cover up to 80% of medical costs and up to 60% of work loss if you are injured in an accident and are not able to work. Even things like laundry and maid services can be covered under your PIP coverage if you are unable to perform day-to-day tasks and this also extends to members of your household.

Although Florida is a “no-fault” state, drivers can be sued for severe injury, permanent disfigurement, or death that they cause in the event of an accident. Drivers can protect themselves from these lawsuits by choosing bodily injury liability coverage to meet their needs.

These numbers reflect the minimum limits required in Florida but higher coverage amounts are available with most companies. These minimums will provide you with the cheapest insurance rate.

 

Florida is a no-fault state!

What does this mean for you?

A no-fault insurance laws system requires that drivers carry their own protection. When an accident happens, no matter who is at fault, your own insurance foots the bill. Each driver takes care of his or herself, and theoretically, the chances of someone suing over culpability decrease. As a bonus, it guarantees every driver immediate medical treatment in the event of an accident.

Car Insurance FAQs

Are digital insurance cards accepted in Florida?

Yes — If you happen to find yourself pulled over by a police officer in Florida you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.

Should I carry uninsured motorist coverage in Florida?

27% of drivers are uninsured in Florida — far more than the national average of 13%. It's a good idea to purchase uninsured motorist coverage in Florida to avoid extra costs if you get into an accident.

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
1Hialeah$3,559
2Miami Gardens$3,213
3Miami$3,209
4Miami Beach$2,983
5Miramar$2,656
6West Palm Beach$2,652
7Tampa$2,584
8Hollywood$2,578
9Pompano Beach$2,569
10Fort Lauderdale$2,525
11Coral Springs$2,524
12Davie$2,498
13Pembroke Pines$2,456
14Brandon$2,345
15St. Petersburg$2,241
16Clearwater$2,216
17Spring Hill$2,081
18Orlando$2,049
19Jacksonville$2,000
20Port St. Lucie$1,955
21Cape Coral$1,879
22Lakeland$1,864
23Palm Bay$1,768
24Tallahassee$1,766
25Gainesville$1,663

Recent Florida Car Insurance Questions and Answers

Filing a claim 24 days into a car insurance policy

I got policy last wk of April and it started May1...

AUG 11, 2018
Does a non-running vehicle need to be insured in Florida

My car doesn’t start it need a new engine. I want to sell it. Do I need to have this ...

AUG 02, 2018
Cost of sinkhole coverage in Tampa, FL

Buying property in Tampa. No reported sink holes on the property, but it is within 1/2 mile of a reported ...

AUG 02, 2018
Can I file a car insurance claim on someone else’s policy?

Had Accident 07-26-18. I have accident payouts on 10-28-14, 08-31-17 and 08-12-13 . My concern is insurance rate going up ...

AUG 01, 2018

Driving Laws

Florida Texting and Driving Laws

  • Ban on text messaging for all drivers

Florida DUI Laws

The lookback period in Florida is five years for a second DUI offense and 10 years for subsequent offenses.

In all cases, fines are increased for BAC readings of 0.15% or higher or in instances where minors were being transported as passengers. Jail sentences will also be increased in such cases.

For the first DUI conviction in Florida, offenders will be subject to:

  • Fines of $500 to $1,000 Imprisonment for up to six months
  • License revocation for 180 days to one year
  • Installation and use of an interlock ignition device for up to six months
  • Mandatory 50 hours of community service, or an additional $10 fine for each hour of assigned community service
  • Vehicle impoundment for 10 days (not concurrent with imprisonment)
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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.

Prompt

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 destrination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.

Qualifications

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 scholarships@thezebra.com

4. Please include...

your name, address, and phone number when you submit

Details
Award

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

Deadline

Applications must be received by 11:59 p.m. CST on December 31st, 2018

Notification

Winner(s) will be selected and notified by email by January 31st, 2019

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.

Click here to learn more