Compare Car Insurance Quotes In The Great State of Florida

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The Great State of Florida
Local Insurance Information
  • Bradenton
  • Jacksonville
  • Miami
  • Orlando

Compare Quotes to Get the Cheapest Car Insurance Rates in Florida

Compare Quotes to Get the Cheapest Car Insurance Rates 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  coverage in Florida? The average cost of car insurance in Florida is much higher than what most Americans pay. On average, auto insurance in Florida costs $1,140.84 per year. The national average cost is $866.31.

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 Average Annual Car Insurance Rates
Coverage Rates
Liability $837.24
Collision $259.86
Comprehensive $111.71
Total Cost Per Year $1,140.84
Price Per Month $95.07

Compare Car Insurance Quotes in Florida

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 get a car insurance quotes comparison in Florida from top companies and find the cheapest rates.

Florida State Auto Insurance Laws

Car Insurance Minimum Coverage

If you drive a vehicle registered in Florida, you must maintain a minimum level of insurance coverage of 10/20/10. This means that you must have:

  • $10,000 personal injury protection (PIP)
  • $10,000 property damage liability (PDL)

SR-22 Requirements

In Florida, if you're in a car accident involving property damage or bodily injuries, the Department of Highway Safety and Motor Vehicles will send an inquiry notice requesting proof that the state’s minimum insurance requirements were met when the incident occurred.

If you can't prove that you had the required minimum coverage, you must purchase it from an insurer and have it certified on form SR-22 for 3 years. You must also obtain a release from each accident victim indicating they were compensated in full for their injuries and property damage.

Failure to comply before the suspension date on the inquiry notice will result in the suspension of your tags, vehicle registration, and driver's license for 3 years. You'll also be required to pay a $15 reinstatement fee to regain your driving privileges.

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FR-44 Requirements

Florida requires an FR-44 from anyone caught driving with a suspended license or after being convicted of a DUI. The FR-44 is a form that certifies a driver has the following minimum insurance coverages:

  • $100,000 for injuries to one person
  • $300,000 for injuries to everyone injured in a single accident
  • $50,000 for Property Damage Liability (PDL)

Florida state law requires drivers to carry an FR-44 for 3 consecutive years after their first offense. If your insurance lapses for any reason during this period, your insurer is required to notify the state. For this reason, some insurance companies require that the policy be paid in advance for its full term.

Top 10 Vehicles in Florida

These are the top 10 most common vehicles owned by Florida drivers requesting car insurance quotes through QuoteWizard in the past year.

  1. Ford F150
  2. Honda Accord EX/LX
  3. Hyundai Sonata GLS
  4. Toyota Camry LE/XLE/SE
  5. Nissan Altima 2.5 S
  6. Ford Mustang
  7. Ford Ranger
  8. Chevrolet C1500 Silverado
  9. Honda Civic DX/EX/LX
  10. Kia Soul
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Top 10 Car Insurance Companies in Florida

These were the top 10 most common car insurance companies reported by QuoteWizard users living in the state of Florida last year. Out of the 228,724 Florida drivers that used QuoteWizard to request insurance quotes last year, 19,009 had no car insurance.

  1. Geico
  2. Progressive Casualty
  3. Allstate Insurance Co.
  4. Esurance
  5. Liberty Mutual
  6. AIG
  7. 21st Century Insurance
  8. Nationwide
  9. MetLife
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State of Florida Traffic Safety Laws

State Distracted Driving Laws

Florida has few restrictions on driver use of cell phones. Both handheld and hands-free devices are allowed for all drivers, including teens and bus drivers. There is, however,  a statewide ban on texting while driving for everyone.

Implied Consent Law

Florida’s Implied Consent law requires that any driver submit to testing to determine the alcohol or drug content of their blood, breath, or urine when arrested by law enforcement for suspicion of driving under the influence (DUI). Refuse the test and you’ll face the following penalties in addition to the penalties for a DUI:

  • First Offense: 1-year driver's license suspension
  • Second Offense: 18-month driver's license suspension plus jail time
  • Third Offense: 18-month driver's license suspension plus jail time

DUI Law and Penalties

If you drive or operate a motor vehicle in the Florida with a Blood Alcohol Content (BAC) of 0.08% or higher, you are guilty of Driving While Under the Influence (DUI).

The penalties for a first offense DUI conviction are:

  • Between 6 and 9 months jail time
  • A fine of between $500 and $2,000
  • 180 days to 1-year driver’s license suspension
  • Required installation of an ignition interlock device

The penalties for a second offense DUI conviction are:

  • Between 9 months and 1-year jail time
  • A fine of between $1,000 and $4,000
  • 5-year driver’s license suspension (can be reduced to 1 year)
  • Installation of an ignition-interlock device

The penalties for a third offense DUI conviction are:

  • Up to 1-year jail time
  • A fine of between $2,000 and $5,000
  • 10-year driver’s license suspension (can be reduced to 2 year)
  • Required installation of an ignition interlock device

Child Restraint Law

Florida requires that all children who are 5 years of age or younger be secured with crash-tested, federally approved child restraint devices. For children under 4 years of age, these devices must be a separate carriers or integrated child seats. Children 4 or 5 years of age may ride in separate carriers, integrated child seats, or booster seats.

Children 6 years of age and older must wear seat belts at all times.

If you're pulled over by law enforcement and it’s discovered that children are not legally secured, you'll be fined $60 for a first offense and have 3 points assessed against your driver's license unless you participate in a child restraint safety program.

Graduated Driver’s License Program

Florida has implemented a 3-tier graduated driver's license program beginning with a learner’s permit and ending with full driver privileges once all conditions are met.

Teens are allowed to apply for a learner’s permit once they're 15 years old. The learner’s permit stage lasts for a minimum of 12 months. During the learner’s stage, teens are required to complete 50 hours of supervised driving. At least 10 hours of this driving must be at night. Once these conditions are satisfied, and the driver has reached the age of 16, the driving test can be taken. If the driving test is passed, a license is issued and the driver enters the intermediate stage.

Young drivers must abide by the following rules until they turn 17:

  • No driving between the hours of 11 pm and 6 am

Young drivers must abide by the following rules until they turn  18:

  • No driving between the hours of 1 am and 5 am

Florida does not restrict either the number or age of passengers an intermediate driver can have in the vehicle with them.

Drivers receive full passenger privileges when they turn 18 if all other conditions have been met.

Senior Drivers in Florida

Florida requires all drivers to renew their licenses every 8 years. Once a driver reaches their 80th birthday they must renew their license every 6 years, and pass a vision test.

Seat Belt Laws

Florida requires that passengers 16 years of age and older wear seat belts at all times. The maximum seat belt violation fine is $30 for a first offense.

Vehicles Registered in Another State

When you drive a vehicle in Florida that’s required to be registered in another state, you must have the type of insurance required by that state. You must be able to provide proof of this insurance to law enforcement upon request.

The Cost of Driving in Florida

Average Florida Car Insurance Rates

The average cost of car insurance in Florida in 2014, the most recent year for which data was available, was $1,140.84 compared to a national average of $866.31. Florida is ranked the 6th most expensive state for car insurance.

Fuel Taxes

As of January 2016, the state of Florida taxes gasoline at 36.58 cents per gallon. When added to the Federal fuel tax of 18.4 cents per gallon, residents of Florida can expect to pay a total of 54.98 cents per gallon in taxes every time they fill up at the gas station.  Florida taxes diesel fuel at 33.77 cents per gallon. When added to the Federal diesel tax of 24.4 cents per gallon, Floridians will pay a total of 58.17 cents at the pump in taxes for diesel fuel.

Car Insurance Risk in Florida

Florida Cities with the Best Drivers

According to our nationwide study we found that Florida is one of the best driving states coming in at no.49. To find out which Florida cities had the best drivers we ranked the most populous cities in Florida using data from our quote tool to compare drivers in each city based on accidents, speeding tickets, DUI's and citations.

  1. Orlando
  2. Hialeah
  3. Miami
  4. Cape Coral
  5. Fort Lauderdale
  6. Port St. Lucie
  7. Tallahassee
  8. St. Petersburg
  9. Tampa
  10. Jacksonville

Uninsured Motorists

In 2012 it was estimated that 23.8% of all drivers on Florida roads had no car insurance. This number is much, much higher than the national average of 12.6% and ranks Florida 2nd in the nation for uninsured motorists.

Traffic Fatalities

In 2013, there were 2,407 traffic fatalities in Florida, a 1% decrease from the 2,431 traffic fatalities reported in 2012.

  2010 2011 2012 2013
Total Fatalities 2,444 2,400 2,431 2,407

Vehicle Thefts

Florida had 42,579 vehicle thefts reported in 2014, a 22% increase compared to 2013 when 34,911 vehicles were reported stolen. In 2014, the vehicle theft rate was 214 per 100,000, a 20% increase from the 2013 rate of 178.1 per 100,000.

The vehicle theft rate in Florida is almost equal to the overall US vehicle theft rate, which was 216.2 per 100,000 in 2014.

Top 10 Most Stolen Vehicles in Florida

Source: National Insurance Crime Bureau - Hot Wheels Report 2014

  1. 2006 Ford Pick-Up (Full Size)
  2. 2000 Honda Civic
  3. 1996 Honda Accord
  4. 2014 Toyota Camry
  5. 2013 Nissan Altima
  6. 2013 Toyota Corolla
  7. 1999 Chevrolet Pick-Up (Full Size)
  8. 1996 Nissan Maxima
  9. 2014 Chevrolet Impala
  10. 2004 Dodge Pick-Up (Full Size)

Top 10 Florida Auto Insurance Companies - Market Share

Source: Insurance Information Institute
Rank Market Share Company
1 20% Berkshire
2 16.9% Progressive
3 14% Allstate
4 11.7% USAA
5 3.5% Liberty Mutual
6 3.1% Farmers
7 3.1% Infinity
8 2.0% Travelers
9 1.6% Hartford Financial

Florida Office of Insurance Regulation

Website:
http://www.floir.com/
Insurance Commissioner:
Kevin McCarty
Contact Consumer Affairs:
Toll Free number
1 800-640-0886
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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