Do you live in the Sunshine State and drive on Florida’s sunny roadways every day? Make sure you read our guide to Florida insurance before you head out. Keep yourself protected!
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The Best Auto Insurance in Florida
- Best Overall: Allstate
- Cheapest: Florida Farm Bureau
- Best for Bundling: Progressive
- Best for Military Families: USAA
- The Best Auto Insurance in Florida
- Florida Auto Insurance Overview
- Florida Auto Insurance Law Explained
- Florida Traffic Laws You Should Know
- Florida Auto Insurance Rates per Vehicle
- Auto Insurance Rates by Credit Score
- Insurance for Drivers with a Clean Record
- Insurance Rates with Driving Infractions
- Best Auto Insurance Providers in Florida
- Drive Off with Affordable Coverage
- Frequently Asked Questions
Florida Auto Insurance Overview
- Average of 2 vehicles per household.
- State minimum coverage is as follows:
- Property damage liability coverage: $10,000 per accident
- Personal injury protection: $10,000
- Drivers with a clean driving record can expect to pay between $716 and $946 for state-minimum coverage, depending on your insurance provider.
Florida Auto Insurance Law Explained
Florida is the only state in the United States that doesn’t legally require car insurance for all drivers. However, if you choose to drive without insurance, you’ll need to place a large cash security deposit down with Florida’s Bureau of Financial Responsibility — which could amount to tens of thousands of dollars.
A cheaper option is to buy car insurance and drive within the law.
Florida requires 2 types of car insurance coverage for all drivers who have a policy:
- Property damage liability coverage offers compensation to anyone whose property you damage or destroy during an accident. You must have at least $10,000 worth of property damage liability insurance in Florida.
- Personal injury protection is a special type of coverage that compensates you for injuries and occasionally lost wages after an accident. Florida drivers must have at least $10,000 of personal injury protection.
Keep in mind that these two coverages are just the bare minimum insurance you must legally have to drive in Florida. Some additional protection you might want to add onto your policy include:
- Bodily injury liability coverage compensates anyone you injure during an accident. Though bodily injury liability coverage isn’t required in Florida, most car insurance companies won’t sell a policy without it.
- Collision coverage provides compensation for you for damage to your vehicle after an accident.
- Comprehensive coverage compensates you if your vehicle is damaged in some way other than an accident. Some examples include theft, hail damage and vandalism.
Florida Traffic Laws You Should Know
Whenever you operate a motor vehicle in Florida, you must follow local and state traffic laws. Let’s go over a few traffic laws you should know.
- Cellphone usage: It’s against the law for any driver (regardless of age) to text while a vehicle is moving. Though there are no limitations on cellphone conversations, you’re encouraged to use a hands-free device if you need to talk on the phone while driving.
- Move Over Law: The Move Over Law dictates that if you see a police officer parked along an interstate or road with multiple lanes, you must move your vehicle to the lane furthest away from the officer. Let’s say you’re driving in a single-lane road or it’s unsafe for you to move over. You must slow your speed down to 20 mph below the posted speed limit.
- Headlights and wipers: You must keep your headlights turned on from dusk until dawn, whenever it’s raining and on particularly foggy days. You must also turn your windshield wipers off whenever you stop at a toll booth.
Florida Auto Insurance Rates per Vehicle
Did you know that the type of car you drive can affect how much you pay for your insurance? Some of the vehicle factors that can influence how much you’ll pay for your insurance include:
- Your vehicle’s age: Expect to pay more for your insurance when you drive a newer car. Newer cars are more expensive to repair and replace than used cars.
- Your vehicle’s crash and safety ratings: Some vehicles are statistically more likely to be involved in an accident than others. You’ll pay more for coverage if you drive a car or truck that’s been involved in more accidents. You’ll also pay more for coverage if you drive a car that scored poorly in safety tests, you’ll also pay more for coverage.
- Your vehicle’s theft rates: Your insurance company will charge you more for coverage if you drive a vehicle that’s statistically more likely to be stolen. But don’t assume that you’ll save because you don’t drive a Lamborghini. Statistics say that more common vehicles are the most likely to be stolen because thieves believe that they’re less likely to be caught.
Auto Insurance Rates by Credit Score
Wondering how to lower your auto insurance premium? The secret might be to raise your credit score. Drivers who have low credit scores are statistically more likely to be involved in an accident, file an insurance claim and even commit insurance fraud.
Most drivers aren’t big fans of this practice and some states have taken steps to ban the use of credit data in insurance premium calculations. However, Florida insurance companies are currently still allowed to use credit data when they calculate your premium. You might want to reapply for insurance after you take some time to raise your credit score.
Let’s take a closer look at how your credit score might influence your insurance costs.
|Credit Score||Cheapest Provider||Rate for State Minimum Coverage|
|Poor 300–579||Direct Auto||$2,301|
|Fair 580–669||Florida Farm Bureau||$1,778|
|Good 670–739||21st Century||$1,371|
Insurance for Drivers with a Clean Record
The best way to limit how much you pay for car insurance is to maintain a clean driving record. Drivers who have never gotten a ticket or been involved in an accident are less likely to need to file a claim in the future. This makes them less expensive to insure, which allows insurance companies to pass savings along and offer lower premiums.
Let’s take a look at what you might pay for coverage with a clean driving record. We’ll examine 3 common insurance package types:
- State minimum coverage includes only the basic protections legally required to drive in Florida.
- Standard coverage includes state minimum coverage plus collision coverage.
- Full coverage includes state standard coverage plus comprehensive coverage.
|Insurance Company||State Minimum Insurance||Standard Coverage||Full Coverage|
|Florida Farm Bureau||$813||$1,691||$2,774|
Insurance Rates with Driving Infractions
Do you have infractions on your driving record? If so, you’ll pay more for insurance. Insurance companies know that drivers who have been involved in an accident or driving incident are more likely to file a claim in the future. These companies manage their risk by charging more for insurance based on your past driving record.
Let’s take a look at how your insurance premium might change if you have an infraction on your record. In this section, we’ll consider 3 common driving infractions:
- At-fault accident: Florida is a no-fault state, which means that blame isn’t assigned to either driver after a collision. However, if you’ve lived in an at-fault state and were found to be at fault for an accident in the past, you’ll still pay more for insurance.
- Speed violation: A speed violation occurs when you drive too far over the posted speed limit. In some rare cases, you might also receive a speed violation when you’re caught driving so far below the posted speed limit that you’re a danger to other drivers.
- DUI: This stands for “driving under the influence” of drugs or alcohol. A DUI is a criminal offense and is one of the most serious driving infractions.
|Insurance Company||At-fault Accident||Speed Violation||DUI|
Best Auto Insurance Providers in Florida
Let’s take a look at some of the best companies providing coverage in the Sunshine State.
1. Best Overall: Allstate
Allstate is one of the largest car insurance providers in the United States — and its coverage options in Florida are impressive. It offers basic state-minimum coverages as well as comprehensive, gap, collision and a number of other optional protections.
Allstate also has over 10 individual discounts that you can use to save. You can quickly file and track your claim online. Allstate is our top choice for the best overall car insurance in Florida because of its coverage options, plenty of discounts and easy claims process.
2. Cheapest Auto Insurance in Florida: Florida Farm Bureau
Looking for cheap auto insurance? Make sure you get a quote from Florida Farm Bureau — especially if you live in a large city. In our review, Florida Farm Bureau produced some of the most affordable quotes in Florida’s largest cities, including Jacksonville, Miami, Tampa and St. Petersburg.
Florida Farm Bureau customers also save money on a variety of other services (from farm equipment to hotel stays) when you maintain a current policy. Florida Farm Bureau takes the top spot for cheap car insurance and offers affordable insurance throughout Florida and some of the best rates in metropolitan areas.
3. Best Coverage for Multiple Autos: Progressive
You’re probably concerned about balancing costs and coverage if you have multiple cars to insure. Progressive offers a generous multi-car policy discount that helps you save when you add more than one vehicle to a single policy. You’ll save about 12% on a multi-car policy.
You can also save even more by maintaining a clean driving record, keeping your insurance information up to date, getting a quote online and more.
4. Best for Military Personnel: USAA
USAA is a unique insurance provider that only offers policies to members of the armed forces, veterans and their immediate family members. Not everyone will qualify for a policy through USAA, but those who do can save a large amount of money on their insurance.
USAA claims that the average driver who makes the switch saves about $707 annually on insurance. USAA also offers home, life, flood and many other types of insurance as well — which allows you to bundle and save even more.
Drive Off with Affordable Coverage
Finding affordable insurance doesn’t have to be a hassle. However, the best way to ensure that you’re getting the best rate possible is to take some time to collect a number of insurance quotes. Getting a quote is simple — most companies now allow you to complete everything online and see what you might pay in as little as 60 seconds.
Get at least 5 quotes from competing companies before you make your decision and save even more on your coverage.
Frequently Asked Questions
1) Q: Should I have just the minimum amount of car insurance required by my state?
It’s a good idea to purchase more than the state minimum of any type of insurance. State minimums are set relatively low to keep insurance affordable, but in the case of an accident, you can deplete your minimums quickly with expensive medical and property damage costs. Once your bills extend past the minimums, you’ll personally be liable for additional costs and damage. Get the coverage that makes sense for you here.
2) Q: How does my personal credit play a role?
Insurance carriers run credit scores to help determine policy premiums. Your insurance rates will likely be lower if you have an excellent credit score. On the other hand, your insurance rates may be higher if you have a poor credit score. Insurance companies believe credit scores are an indicator of whether you’ll make your insurance payments on time and credit scores combined with other data can be predictive of risk. Check out the best companies for all credit scores now.
3) Q: What kind of discounts are usually available?
*Quotes were obtained using the following profile: base 2015 Toyota Camry, male, 40-years-old. Policies reflect state minimum coverage options. We make every effort to provide the most accurate quotes based on the profile above. Due to the many combined variables involved in insurance quotes, the only way to get an accurate quote is to enter your own information through our partners’ secure websites.