Cheap Florida Car Insurance

Compare the best rates from 13 car insurance companies in Florida.

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

It's expensive to get car insurance in Florida!

Dang! Florida is definitely not one of the cheapest states for car insurance. Don't worry, we got your back!
At The Zebra we're all about helping you save money on car insurance. Our engine looks for the cheapest insurance provider to find the best fit for you and your vehicle. Since Florida might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information to begin finding the best auto discounts for you.
What's the cheapest car insurance in Florida?
Rank Company Premium
1 USAA $967
2 Electric $1,729
3 Amica $1,729
4 Progressive $1,811
5 Travelers $1,907
6 Mercury $1,953
7 Allied $1,965
8 Esurance $2,061
9 State Farm $2,089
10 Auto-Owners $2,128
11 GEICO $2,129
12 Allstate $2,364
13 21st Century $2,421
14 Windhaven Insurance $2,601
15 MetLife $2,929
16 Safeco $2,957
17 Hanover $2,994
18 Liberty Mutual $3,070
19 United Automobile $3,492
20 Direct General $3,982
21 Infinity $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 $523 22.49%
No Accidents $672 27.16%
Good Credit $1,666 48.02%

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.

Age Annual Rate with Parents Annual 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 Factor Annual Rate % Increase
At-Fault Accident $2,476 27.16%
DUI $2,740 34.17%
Speeding Violation $2,327 22.49%
Bad Credit $3,470 48.02%
Car Insurance Laws

State minimum insurance requirements in Florida

In Florida, the state minimum coverage requirements are as follows:
Personal Injury Protection (PIP)
Optional coverage in Florida (varies by carrier):

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?

Put simply, 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 or raising a hissy fit over culpability are lessened. And bonus? It guarantees every driver immediate medical treatment in the event of an accident.

Top Florida Car Insurance Companies

The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15% and find the cheapest car insurance in Florida.

Car Insurance FAQs

Are digital insurance cards accepted in Florida?


What does this mean for you?

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.

Do I need uninsured motorist coverage in Florida?

Uninsured Drivers in Florida




Did you know?

Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.

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.

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

Recent Florida Car Insurance Questions and Answers

Does a non-running vehicle need to be insured in Florida

Aug 02, 2018

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

Can I file a car insurance claim on someone else’s policy?

Aug 01, 2018

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 ...

The person I hit wants me to pay out of pocket for damage

Jul 28, 2018

I rear ended someone. They did not want to call police or file with insurance but now they want me ...

My car was hit at a stop sign

Jul 18, 2018

My car was backed into at a stop sign earlier today. I received insurance information of the other driver’s company ...

Driving Laws

Florida Texting and Driving Laws

  1. Ban on text messaging for all drivers
Alcohol Related Fatalities


Per Year in Florida
Annual DUI Arrests
US Average
DUI Legal Limit


Blood Alcohol Content
Average DUI Cost


Nationally, For First Offenders
What does this mean for you?

Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.

If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.

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, Florida 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.

Please Note:

  • 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:
  • Entrants should create an original video not exceeding 2 minutes. Each video submission must be hosted on YouTube or Vimeo, and should be submitted by email to
  • With your submission, please include your name, address, and phone number.
  • Selected winner(s) will be awarded a check for $1,000.
  • Applications must be received no later than 11:59 p.m. CST on December 31st, 2017.
  • Winner(s) will be selected and notified by e-mail by January 31st, 2018.
  • Submissions will be judged by The Zebra and 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.