Best Auto Insurance Rates in Florida

On average, your neighbors pay $98 a month.

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Compare Auto Insurance in Florida

Florida is known as the Sunshine State. QuoteWizard has compiled useful insurance information from industry and government sources to help Floridians shine some light on their car insurance policies.

This page will show you which types of coverage are legally required in Florida, inform you about important insurance laws, and provide both information about the cost of driving, and some insights about insurance risk in Florida, all to help protect you and your family.

Average Florida Car Insurance Rates

How much is car insurance in Florida? On average, auto insurance in Florida costs $1,185.25 per year. The national average cost is $889.01. The average cost of car insurance in Florida is much higher than what most Americans pay.

Prices will vary depending on your driving history and the points on your driver's license, limits, age, gender, coverage (liability or comprehensive, and total number of claims filed in your zip code.

Florida (FL) Average Annual Car Insurance Rates
Coverage Rates
Liability $857.64
Collision $282.96
Comprehensive $116.53
Total Cost Per Year $1,185.25
Price Per Month $98.77
Source: Facts + Statistics: Auto insurance

The graph below shows the change in Florida's rates from 2011 to 2015, the most recent year the data is available. According to the III, Florida car insurance rates increased from $1,090 in 2011 to $1,140 in 2015, a jump of $94, or 8.68 percent.

Florida average car insurance rates

Finding the right car insurance company and policy in Florida just got easier. Say goodbye to countless hours of researching offerings and comparing rates. With QuoteWizard’s help, you can do both in a matter of minutes--even seconds.

We’ll connect you to a number of top auto insurance companies so you can quickly compare quotes and find the coverage you need for a price you can afford.

Last year, 228,724 people used QuoteWizard to compare car insurance quotes in Florida from multiple companies to get the cheapest rates.

Most Popular Auto Insurance Companies in Florida

These are the most common car insurance companies reported by QuoteWizard users living in Florida last year. Out of the 228,724 Floridians that used QuoteWizard to find car insurance quotes, 28,644 were uninsured.

Who is the best insurer for what you need? You can look at insurance companies side-by-side on our compare page. We’ve put together guidelines for the biggest companies in America.

If you have a spotty driving record, you may struggle to get coverage from one of the most popular insurers. In that case, look at the Florida Automobile Joint Underwriting Association. The FAJUA is there to help make sure you can get the minimum liability coverage, regardless of your driving record.

Are you a teen driver or the parent of one? Finding the right teen driver insurance is expensive. Our data shows that an auto insurance for a teen costs an average of $438 a month. GEICO, Esurance, and Farmers are known to offer great coverage for Florida teens.

Top 10 Vehicles

These are the most popular cars owned by QuoteWizard Users in Florida:

  1. Toyota Camry LE
  2. Ford F150
  3. Nissan Altima 2.5
  4. Honda Accord LX
  5. Ford Mustang
  6. Kia Soul
  7. Honda Civic EX
  8. Sonata SE
  9. Ford Focus
  10. Nissan Sentra S
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Florida Car Insurance Rate Factors

Florida drivers pay much more than drivers in other states for auto insurance. Why? There are certain factors that impact rates across the whole state.

No-Fault Insurance

No-fault insurance compensates drivers for accident damages, regardless of who caused it. Only a handful of states have no-fault laws, and Florida is one of them. Unfortunately, states with no-fault laws often have high insurance rates, because insurers must pay for damages regardless of who is at fault after a crash.

Uninsured Drivers

Florida has the highest level of uninsured drivers in the country, even with the state's penalties for uninsured driving. This is bad for two reasons. First, this hikes the premiums up for those who do pay for auto insurance. They’re essentially subsidizing uninsured drivers. Second, it increases the chances of you having to pay all your own costs if you’re in an accident. If you’re a Florida driver, it’s in your best interest to prevent this from happening. Look into getting uninsured/underinsured coverage. It covers your costs in the event of a crash with an uninsured driver.

Best and Worst Drivers

Our recent study found that Florida has the 11th best drivers in the country. This ranking is compiled from Florida crash, citation, speeding ticket, and DUI data. We applied the same formulas to best and worst Florida drivers in comparison to the rest of the country:

Stolen Vehicles

Florida is third highest rate of auto theft. If thieves are fond of your car make and model, it can increase your rates. Following is the top ten most stolen cars in Florida. Read on and see if your car is high-risk:

Source: National Insurance Crime Bureau- 2017 Hot Wheels Report

  1. 2006 Ford Pickup (Full Size)
  2. 2016 Nissan Altima
  3. 2017 Toyota Camry
  4. 2017 Honda Accord
  5. 2016 Toyota Corolla
  6. 2016 Honda Civic
  7. 2006 Chevrolet Pickup (Full Size)
  8. 2016 Hyundai Sonata
  9. 2005 Dodge Pickup (Full Size)
  10. 2017 Hyundai Elantra

Car Insurance Discounts

Insurers often offer a bunch of discounts for their policyholders. Here are some that may help Floridians save money on auto insurance:

  1. The average Florida household has two cars. If you have more than one vehicle, ask about a multi-car discount.
  2. Florida ranks fourth for most telecommuters in the country. If you work from home, look into a low mileage, short commute, or days per week driven discount. Less time in the car means lower chances of an accident. Insurers pay for less risk.
  3. If you already have a life or home insurance policy, talk to your insurer about bundling it with auto. A bundle allows you to save money on both policies.
  4. 1 percent of Florida’s population is 65 or older. If you’re one of them, definitely look into 55 and retired discounts.
  5. Florida is home to 21 military bases. If you are enlisted or retired military, most insurers have a discount for you.

Florida Car Insurance Laws

Minimum Car insurance Requirements in Florida

Florida law requires drivers to maintain a minimum coverage of 10/10. This means you must have a policy that includes:

  • Property Damage Liability: $10,000
  • Personal Injury Protection: $10,000

Drivers in Florida are required to purchase Personal Injury Protection. Florida is one of the few states that does not require you to have bodily injury liability unless you have an SR-22 due to its no-fault law.

Recommended Coverage Levels

Minimum auto insurance coverage gives you basic protection, but it’s a mistake to think it’s all you need. If you get in a crash, liability doesn’t cover your costs. It only covers damage you do to other people and their cars. And minimum liability tends to have a low threshold amount for what it covers. If you don’t have enough liability after a crash, the rest comes out of your pocket.

For your own protection, we recommend increasing your liability levels:

  • Individual Body Injury Liability: $100,000
  • Property Damage Liability: $100,000

Florida is one of the few states that does not require Bodily Injury Liability (BIL) coverage unless you get a DUI. But if it’s in your budget, consider increasing your BIL to $300,000. Should you get a DUI, you’re required to have BIL through an FR-44 form explained below.

Required Proof of Insurance

You must be able to show proof of insurance to Florida law enforcement upon request. An insurance ID card or digital proof on your cellphone or other device qualifies.

SR-22 Requirements

Should you have your license suspended you’ll probably need to file a SR-22. The SR-22 is proof of financial responsibility. It shows you maintain the minimum state required liability insurance. Florida requires you to hold the SR-22 for at least three years. If there’s a policy lapse or a cancellation during that time, your license will be suspended again, and you’ll have to restart the process. The required minimum liability coverage for a SR-22 is:

  • Bodily Injury Coverage per person: $10,000
  • Personal Injury Protection *(PIP) per accident: $20,000
  • Property Damage Coverage per accident: $10,000

FR-44 Requirements

If you’re convicted of a DUI (Driving Under the Influence) or a DWI (Driving While Intoxicated), Florida requires you to file an FR-44. As serious as a SR-22 is, the FR-44 is more so. FR-44 minimum coverage is:

  • Bodily Injury Coverage per person: $100,000
  • Personal Injury Protection per accident: $300,000
  • Property Damage Coverage per accident: $50,000

Where SR-22s can often be paid on a monthly basis, an Fr-44 must be paid in at least six-month increments.

Totaled Cars with Salvage or Rebuilt Titles

If your car is in a crash and the cost to repair it is close to or equal to the car’s worth, your insurer will deem it a total loss. Total loss vehicles get a salvage title. If the car is repaired, it gets a rebuilt title.

States have different laws regarding totaled cars. In Florida, total loss is calculated by a percentage of the car’s actual cash value (80 percent). If the damage to your car is 70% or more of what the car is worth, it is a total loss.

Buying insurance for a rebuilt or salvage title in Florida is challenging. You will definitely be paying a higher rate, if you can find an insurance company that covers your salvage or rebuilt car.

Florida Traffic Safety Laws

Distracted Driving

Florida permits using handheld or hands-free devices for all drivers. Texting while driving is banned for all.

DUI Law

If you drive in Florida with a Blood Alcohol Content (BAC) of 0.08 percent or more, you’re guilty of Driving Under the Influence. Depending on how many DUIs are on your record, penalties include a $500 to $5,000 fine and up to five years in prison.

On top of the above penalties, you will also see an increase in you auto insurance rates. Our research shows you can wind up paying $830 more annually for auto insurance after your DUI. This assumes you can find an insurer who will cover you.

Senior Drivers

When you turn 65, chances are you’ll see an increase in your auto rates. If you have a clean record, then the initial increase shouldn’t be much. However, you can expect to see your rates go up more as you get older. Considering the state’s sizeable senior population, this impacts many Florida drivers.

When you reach 80 years of age, Florida requires you to renew your license every six years (Florida’s standard renewal time is every eight years.) and pass a vision test.

Cars Registered in Other States

If you drive a car in Florida registered in another state, it must have the insurance coverage required by that state. You must also be able to show proof of insurance upon request of law enforcement.


Florida Office of Insurance Regulation

Website:
http://www.floir.com/
Insurance Commissioner:
David Altmaier
Consumer Helpline:
Toll Free number
1-877-MY-FL-CFO (1-877-693-5236)
Address:
200 East Gaines Street
Tallahassee, FL 32399

Consumer Services

Hours:
Monday - Friday
8:00 am - 5:00 pm (EST)
Phone:
877-693-5236 (In Florida)
Email:
Consumer.Services@myfloridacfo.com

File an Insurance Complaint

Website:
Complaint Page

Sources:

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