Cheap Florida Car Insurance

Compare the best rates from 10 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
9State Farm$2,089
1321st Century$2,421
14Windhaven Insurance$2,601
18Liberty Mutual$3,070
19United Automobile$3,492
20Direct General$3,982

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

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%
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
Direct GeneralNot RatedExcellent
ElectricNot RatedExcellent
EsuranceNot RatedSuperior
InfinityNot RatedExcellent
Liberty Mutual3Excellent
State Farm3Superior


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.

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

Car Insurance Laws

State minimum insurance requirements in Florida

In Florida, the state minimum coverage requirements are as follows:
  • 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. Florida's minimum property damage requirement is $10,000 per accident. This is the maximum dollar amount that pays for damage that you cause in an accident. Because Florida is a no-fault state, you are not required to carry bodily injury liability coverage. Instead, you are required to purchase Personal Injury Protection, or PIP coverage.

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.

Florida Auto Insurance FAQs

Do you have to have car insurance in Florida?

Yes — as in most US 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.

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$3,213
4Miami Beach$2,983
6West Palm Beach$2,652
9Pompano Beach$2,569
10Fort Lauderdale$2,525
11Coral Springs$2,524
13Pembroke Pines$2,456
15St. Petersburg$2,241
17Spring Hill$2,081
20Port St. Lucie$1,955
21Cape Coral$1,879
23Palm Bay$1,768

Recent Florida Car Insurance Questions and Answers

What happens if I stop paying for my SR22?

I don’t have a car....

FEB 01, 2019
Will my insurance decrease after my PIP claims expire?

Insurance company is charging double because of no-fault accidents and it’s hard to find cheap insurance anywhere when will it ...

JAN 25, 2019
I need a 5-day car insurance

My current insurance has canceled and my new one goes into effect in 5 days. Is this possible? My age ...

JAN 22, 2019
Can I get my premium for car insurance when I never got the car?

My son’s uncle was going to give him a car. In the meantime, my son had to provide insurance to ...

OCT 26, 2018

Driving Laws

Florida Texting and Driving Laws

  • Florida bans 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)

Speeding Laws in Florida

You are speeding in Florida when driving at a speed that is “greater than is reasonable and prudent under the conditions and having regard to the actual and potential hazards then existing.”

Speeding in Florida occurs when speeds exceed:

  • 30 miles per hour in business or residential districts
  • 55 miles per hour in all other locations
  • 70 miles per hour on limited-access highways
  • 65 miles per hour on highways outside of an urban area of 5,000 or more people and which has at least four lanes and is divided by a median
  • 60 miles per hour on other roadways under the authority of the Department of Transportation

Reckless Driving Laws in Florida

Reckless driving in Florida is considered driving in “willful and wanton disregard for the safety of persons and property.” You are also guilty of reckless driving in Florida if you flee a law enforcement officer while in a vehicle.

Distracted Driving in Florida

Distracted driving in Florida constitutes driving while your attention is on something other than the road. Though distracted driving is often considered texting or using a phone while driving, it also includes activities such as eating, grooming, reading, or talking to passengers in a way that impairs your visual, manual, or cognitive functions.

Racing Rules in Florida

Racing in Florida constitutes the use of one or more vehicles in a competition that arises from a challenge to demonstrate the superiority of a vehicle or driver and the acceptance of that challenge, either pre-planned or in an immediate response.

At-fault Accident Regulations in Florida

Florida is a no-fault state when it comes to vehicle accidents — at least to an extent.

Drivers in Florida are required to maintain:

There is no requirement for drivers in Florida to maintain bodily damage liability insurance.

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 destrination 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, 2018


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.

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