Florida Car Insurance
Everything You Need to Know About Auto Insurance in Florida
Tropical beaches, vibrant cities, rich culture, and a deep history define the Sunshine State. Towns like St. Augustine are a time capsule — founded in 1565, it boasts colonial architecture, cobblestone streets, Spanish-style buildings, and many preserved landmarks. Spring forward to the future in modern, skylined cities like Miami, Orlando, Jacksonville, and Tampa.
Florida is a major hub for tourism, sports, aerospace, and business, with global attractions, a diverse economy, and a strong corporate presence supported by a business-friendly environment.
With nearly 100 million visitors each year and more than 23 million residents, Florida’s roads are often congested, and seasonal weather like storms and flooding adds to driving risks. Protect your vehicle financially by asking an InsureOne expert agent for help with finding the best Florida car insurance at the best prices available.
How Much Does Car Insurance Cost in Florida?
Minimum liability policies cost $1,128 on average, while full coverage car insurance in Florida costs $3,183. The national average for these policies is $622 and $2,014.
Several factors contribute to the high cost of coverage in the state. Natural disasters cause vehicle damage that insurers must cover. High accident rates in the state lead to a high volume of claims. Also, the Sunshine State has many uninsured drivers, and the costs of their accidents are absorbed by those who do pay for coverage.
What Does It Mean If Florida Is a No‑Fault vs. At-Fault State?
In a no‑fault state, insurers determine who is responsible for a crash, but only to decide who pays for property damages. Regarding injuries, each driver must file a claim with their own insurer. Because of its no-fault system, the state requires drivers to obtain personal injury protection (PIP) to cover the first $10,000 of their medical expenses resulting from an accident.
Affordable Car Insurance Rates Comparison by Cities in Florida
Location has a major impact on your rates. Below is a comparison of the average monthly premiums drivers pay in several rural and urban cities in the Sunshine State.
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Blountstown | $184 | $54 |
| Cedar Key | $177 | $57 |
| Horseshoe Beach | $180 | $56 |
| Jacksonville | $231 | $79 |
| LaBelle | $195 | $66 |
| Miami | $324 | $99 |
| Okeechobee | $191 | $65 |
| Orlando | $266 | $98 |
| St. Petersburg | $255 | $85 |
| Tampa | $333 | $99 |
Our average monthly premiums by city are based on the following methodology: male, age 30, with the lowest possible legal coverage allowed by the state.
How Bundling Your Vehicle and Homeowners Insurance Can Save You Money in Florida
You can battle the high rates for auto policies in Florida by bundling, which means obtaining multiple insurance policies from the same insurer. If you need homeowners insurance or renters coverage in addition to an auto policy, providers will lower your premiums by up to 25%.
The exact discount depends on several factors. In competitive, high-cost markets like Miami, Tampa, and Orlando, insurers often offer more aggressive bundling discounts to win over customers. In smaller towns like LaBelle or Blountstown, where coverage is already relatively inexpensive, the rate reduction will be lower.
When you bundle your home and auto coverage, your InsureOne agent will secure the best bundling savings available by comparing multiple Florida car insurance quotes alongside your home or renters policy.
What Types of Auto Discounts Are Available in Florida?
In addition to bundling, the insurance industry offers many other discounts you can use to save money on your premiums. These are some examples of discounts for car insurance in Florida you might qualify for:
- Good driver
- Anti‑theft
- Low mileage
- Loyalty
- Good student
- Military
What Are the Car Insurance Laws in Florida?
Insurance laws vary by state. The Sunshine State’s no-fault system with a $10,000 PIP requirement is fairly unique in this country, and its mandatory $10,000 property damage coverage is very lenient. Not having a basic policy in place could lead to fines and penalties, as detailed below:
What Are the Mandatory Car Insurance Requirements in Florida?
Not having coverage means that if you cause an accident, the other driver will not get compensation if you cannot afford to pay for damages. Because of this, Florida DMV insurance requirements include at least the following levels of coverage:
- $10,000 in property damage liability
- $10,000 in personal injury protection (PIP)
These numbers are very low. If you cause an accident, the damages may far exceed these coverage limits. You should discuss with your agent how much your premiums will increase if you raise the limits on these coverages.
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What Is the Penalty for Driving Without Insurance in Florida?
As mentioned, not having a policy could hurt you financially since you will have to pay for damages you cause out of pocket. Additionally, if an officer catches you driving while uninsured, you will face the following fines and penalties:
- License suspension
- Registration suspension
- Reinstatement fees of up to $500
What Factors Does Florida Law Allow in Determining Your Premiums?
Some states do not allow insurers to calculate premiums based on factors unrelated to your vehicle or driving history, such as your education level or occupation. However, the Sunshine State is pretty lenient with insurers in this regard and allows insurers to use these and many other factors to determine the cost of your policy:
- Location
- Gender
- Age
- Marital status
- Driving record and experience
- Vehicle type
- Credit history
What Happens If I Damage Property in Florida?
If you are on the I-95 heading down to Miami Beach for the weekend and cause an accident, you must pay for the resulting damages. But before paying out of pocket, you file a claim with your insurer to have them cover the loss through your policy.
In this state, the minimum required coverage is $10,000 for property damage. If that crash happens during rush hour traffic, you might only cause a minor dent, which should be entirely covered by your policy. But if the incident occurs while driving full speed, the damage could far exceed the state’s minimum.
In today’s environment, where many newer cars are loaded with sensors and computerized components that are costly to repair, accidents often surpass the $10,000 mark. It will not cost you all that much to increase your coverage. Ask your agent to compare car insurance quotes in Florida with varying liability coverage amounts. You can then determine what protection level makes the most sense for you based on your finances.
What Is Driving Like in Florida?
There are lots of conditions that make traversing Florida’s roads a challenge, depending on where you are driving. Rural areas like Glencoe and Chuluota tend to be more comfortable for travelers. But when you hit Metro areas like Miami, Tampa, Orlando, and Jacksonville, expect extended rush hours and even heavy traffic during off-hours.
Rainstorms and tropical downpours cause visibility issues and flood roads, especially in coastal or marshy areas, forcing detours or slowing traffic to a crawl. Strong wind events — from summer thunderstorms to tropical systems — can push debris onto rural roads or make driving difficult on open stretches of highway. Being aware of these conditions ahead of time helps you avoid unexpected delays and stay safe on the road.
How Many Car Accidents Happen in Florida?
The Sunshine State had a total of 702,373 crashes leading to 3,187 fatalities and 14,052 serious injuries in 2024. The table below shows the total number of accidents in various rural and urban cities around the state.
| City | Fatal Crashes in 2024 |
|---|---|
| Blountstown | 107 |
| Cedar Key | 11 |
| Horseshoe Beach | 4 |
| Jacksonville | 37,237 |
| LaBelle | 441 |
| Miami | 29,405 |
| Okeechobee | 654 |
| Orlando | 20,083 |
| St. Petersburg | 7,892 |
| Tampa | 20,491 |
Source: U.S. Department of Transportation National Highway Traffic Safety Administration.
How Many Uninsured/Underinsured Motorists are in Florida?
The Insurance Information Institute reports that 20.6% of Florida drivers did not have any policy at all. That means that if another vehicle crashes into you, there is a one in five chance that they do not have any coverage and might not have money to pay for your damages out of pocket. Many of the state’s drivers obtain uninsured/underinsured motorist coverage, which is typically very affordable, to protect themselves in case such a driver does crash into them.
Get the Best Car Insurance in Florida Today
There is a lot to know about how to get affordable car insurance in Florida, but you never have to worry about getting the best coverage at the best prices in the state. You will get the white-glove treatment customers have come to expect from our expert agents as you work to obtain a policy that provides the protection you need for driving in this state.
There is no need to Google “best auto insurance near me.” At InsureOne, we do all the work necessary to get you the highest quality auto insurance options in Florida. And we can help you in English or in Spanish. All you have to do is get a quick quote online, visit us at a Florida office near you, or call us at (800) 836‑2240.
