Florida Auto Insurance

Auto insurance in Florida

Florida drivers pay an average of $2380 a year for full-coverage auto insurance. Florida has among the highest auto insurance rates in the country, driven by high uninsured driver rates, fraudulent claims activity in PIP cases, and severe weather exposure. As a no-fault state, Florida requires PIP coverage in addition to liability.

For drivers looking for the cheapest auto insurance in Florida, the savings spread between carriers can exceed several hundred dollars a year for the same coverage. Comparing quotes from multiple carriers is the single biggest lever you have to lower your premium.

Florida minimum coverage requirements

Florida requires drivers to carry at minimum 10/20/10 liability plus $10,000 PIP (no-fault state) in liability coverage. Most drivers should carry significantly more than the minimum — serious accidents routinely exceed those limits and leave drivers personally liable for the excess.

If you’re financing or leasing a vehicle, your lender will also require comprehensive and collision coverage.

Best carriers in Florida

GEICO and State Farm typically offer the most competitive rates statewide. Allstate has strong agent networks but pricier base rates. For high-risk drivers, Direct Auto and Progressive often have more flexible underwriting. Avoid carriers with high NAIC complaint ratios in Florida.

Get quotes from at least three carriers — the cheapest carrier for one Florida driver isn’t necessarily the cheapest for the next, since rates vary by ZIP code, driving record, credit, and vehicle.