Cheapest Car Insurance in Florida

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Updated: October 12, 2025

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Cheap Car Insurance in Florida: Key Takeaways

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Travelers has Florida's cheapest car insurance across profiles. Minimum coverage starts at $52 monthly and full coverage at $112 monthly, saving you 52% compared to Florida's average rates.  GEICO and State Farm also have very affordable policies depending on your driver profile.

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Your specific profile determines your cheapest car insurance option in Florida. Travelers has the lowest rates for young drivers ($109/month), seniors ($69/month), and drivers with accidents ($69/month) or speeding tickets ($65/month). State Farm is the most affordable for DUI violations ($68/month), while Auto-Owners is cheapest for texting violations ($46/month).

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Minimum coverage in Florida is not enough protection. The state only requires $10,000 PIP and $10,000 property damage, with no bodily injury requirement. Add comprehensive coverage for hurricane damage, uninsured motorist protection (20% of Florida drivers lack insurance), and bodily injury liability to avoid paying thousands out of pocket after an accident.

Companies With the Cheapest Minimum Coverage Car Insurance in Florida

Travelers has the cheapest liability-only car insurance in Florida at $52 monthly or $618 annually. GEICO ($63 monthly), State Farm ($64 monthly), and Metropolitan Group ($64 monthly) follow close behind, giving you several affordable options for meeting Florida's legal requirements. 

Florida's competitive insurance market keeps pricing relatively tight among major insurers. You won't see massive gaps between the lowest cost insurers like you might in other states, but compare at least three quotes to find your personal best rate.

Travelers$52-52%
Geico$63-22%
State Farm$64-41%
Metropolitan Group$64-35%
Nationwide$82-25%

Florida's minimum requirements are unusually low. The state requires $10,000 for property damage and $10,000 for personal injury protection (PIP), but no bodily injury liability coverage unless you've had certain violations. While minimum coverage meets legal requirements, you should strongly consider higher liability limits plus comprehensive and collision protection.

Compare Auto Insurance Rates in Florida

Ensure you're getting the best rate for your insurance. Compare quotes from the top insurance companies.

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Which Companies Have the Cheapest Full Coverage Car Insurance in Florida?

Travelers has the cheapest full coverage car insurance in Florida at $112 monthly or $1,343 annually. State Farm ($138 monthly) and Metropolitan Group ($161 monthly) are competitive low cost alternatives and Nationwide ($176 monthly) and GEICO ($203 monthly) round out the most affordable options.

Travelers$112$1,343
State Farm$138$1,660
Metropolitan Group$161$1,927
Nationwide$176$2,107
Geico$203$2,433

Full coverage adds comprehensive and collision protection to your liability coverage. Comprehensive covers damage to your car from weather events, theft, vandalism, and falling objects. Collision covers damage to your vehicle when you cause an accident or hit an object. Together, these coverages protect you against Florida's hurricane damage, flooding, vehicle theft, and the financial impact of at-fault accidents. With the state's high uninsured driver rate (20.4%), full coverage and uninsured motorist coverage make sense unless you have a very low value car.

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LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN FLORIDA

Below are additional guides to help you in your search for the best and most affordable car insurance in Florida for your unique driver profile.

Compare the Cheapest Car Insurance in Florida for You

The cheapest car insurance in Florida for you depends on your unique profile. Your driving record, credit score, age, and vehicle type all influence which company offers the most affordable rates in Florida. A company that's cheapest for a 40-year-old with good credit might be expensive for a young driver or someone with a DUI. This matters more in in high-cost markets like Florida because insurers weigh risk factors differently. Use the personalized comparison tool below to filter by your profile.

Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Male
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Credit Alignment:Good
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
Travelers$150$1,800-53%$-2,068
State Farm$155$1,863-52%$-2,006
UAIC$205$2,463-36%$-1,405
Metropolitan Group$221$2,654-31%$-1,215
Nationwide$229$2,742-29%$-1,126

*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.

Cheapest Car Insurance in Florida by City

Travelers offers the cheapest car insurance across nearly all Florida cities. The company charges as little as $32 monthly in Lady Lake but $91 monthly in Miami Gardens for the same coverage. A driver in Miami paying $78 monthly for minimum coverage would pay just $53 monthly for identical coverage in Jacksonville, saving $300 annually simply by living in a different city. 

Your city affects your car insurance costs based on traffic density, accident rates, crime levels, and local weather risks. Urban areas like Miami and Fort Lauderdale see higher premiums due to congested roads and elevated theft rates, while less populated areas with less traffic have lower rates.

Cape CoralTravelers$46-54%$-84
ClearwaterTravelers$58-50%$-91
Coral SpringsTravelers$72-47%$-104
Fort LauderdaleTravelers$75-46%$-103
GainesvilleTravelers$49-38%$-47
HialeahTravelers$89-43%$-107
HollywoodTravelers$85-42%$-99
JacksonvilleTravelers$53-43%$-66
LakelandTravelers$56-45%$-74
MiamiTravelers$78-45%$-100
MiramarTravelers$71-41%$-78
OrlandoTravelers$55-46%$-75
Palm BayTravelers$56-47%$-80
Pembroke PinesTravelers$73-43%$-89
Pompano BeachTravelers$90-45%$-115
Port St. LucieTravelers$51-44%$-64
St. PetersburgTravelers$56-49%$-85
TallahasseeTravelers$47-43%$-57
TampaTravelers$71-50%$-113
West Palm BeachTravelers$71-55%$-140

*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.

Cheapest Car Insurance in Florida by Driver Age

Your age impacts your car insurance rates in Florida. Young drivers pay the highest premiums due to inexperience and higher accident rates, while rates decrease as drivers gain experience and reach their senior years. 

We analyzed car insurance rates across Florida for three age groups: young drivers (16 to 25), adult drivers (26 to 64) and seniors (65+). Here are the providers that offer the best rates:

  • Young drivers can get the lowest rates from Travelers, starting at $109 per month
  • Adult drivers find the best rates with Travelers, from $51 per month
  • Senior drivers get the most affordable coverage from Travelers, as low as $69 per month

Cheapest Car Insurance for Young Drivers in Florida

Young drivers in Florida have the highest insurance costs, but Travelers has the most cheapest rates. Minimum coverage costs $109 monthly, saving young drivers 49% compared to Florida's average for this age group. Travelers also has the lowest cost full coverage at $252 monthly, which is 53% below average. 
GEICO ($121 monthly) and Metropolitan Group ($125 monthly) have low cost alternatives for liability only coverage if Travelers doesn't work for you.

Data filtered by:Results filtered by:
Select
Coverage Level (Friendly):State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
Travelers$109$1,313-49%$-1,272
Geico$121$1,455-44%$-1,131
Metropolitan Group$125$1,503-42%$-1,082
State Farm$129$1,550-40%$-1,036
Nationwide$166$1,988-23%$-597

Cheapest Car Insurance for Adult Drivers in Florida

Adult drivers get Florida's lowest insurance rates overall. Travelers has the most affordable coverage at $51 monthly for minimum coverage and $112 monthly for full coverage. State Farm ($62 monthly) and GEICO ($63 monthly) are affordable options for minimum liability coverage.

Data filtered by:Results filtered by:
Select
Coverage Level (Friendly):State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
Travelers$51$617-46%$-535
State Farm$62$750-35%$-402
Geico$63$758-34%$-394
Metropolitan Group$66$786-32%$-365
Nationwide$78$941-18%$-210

Cheapest Car Insurance for Senior Drivers in Florida

GEICO and Travelers tie for the most affordable minimum coverage at $69 monthly or $827 annually. For full coverage, Travelers is the lowest cost at $151 monthly or $1,810 annually.

State Farm ($76 monthly) and Metropolitan Group ($81 monthly) offer low cost rates for seniors who want alternatives to Travelers and GEICO. Senior discounts and defensive driving course credits can lower car insurance rates even further.

Data filtered by:Results filtered by:
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
Travelers$69$826-44%$-641
Geico$69$827-44%$-640
State Farm$76$917-37%$-549
Metropolitan Group$81$978-33%$-489
Nationwide$109$1,313-10%$-154

Cheapest Car Insurance for High-Risk Drivers in Florida

High-risk driver classifications increase your insurance costs in Florida. Insurers view bad credit, DUIs, accidents, speeding tickets, and texting violations as indicators of future claims, resulting in higher costs. The lowest cost company for one high-risk category differs from others, so finding your specific best rate requires targeted comparison shopping. 
Here are the companies that have the cheapest rates in FL for each violation:

  • Bad Credit: Travelers (From $91/mo)
  • With a DUI: State Farm (From $68/mo)
  • With an Accident: Travelers (From $69/mo)
  • With a Texting While Driving Violation: Auto-Owners (From $46/mo)

Cheapest Car Insurance for Bad Credit in Florida

Bad credit will double your car insurance rates in Florida on average, but GEICO offers the most affordable coverage for drivers with poor credit. Minimum coverage costs $87 monthly or $1,043 annually, while full coverage runs $148 monthly or $1,770 annually. Travelers ($90 monthly) and Metropolitan Group ($92 monthly) also have low cost coverage.
Improving your credit score over time will lower your rates with any insurer, making it worth monitoring your credit and addressing any errors on your report.

Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level (Friendly):State Minimum Liability Only
Select
Gender:Male
Select
Driving Record:Clean
Geico$87$1,043-31%$-479
Travelers$90$1,084-29%$-438
Metropolitan Group$92$1,104-28%$-419
Nationwide$96$1,146-25%$-376
Progressive$116$1,393-8%$-129

Cheapest Car Insurance With a DUI in Florida

State Farm has the cheapest car insurance rates in Florida for DUI drivers at $67 monthly or $808 annually for minimum coverage. Travelers ($76 monthly) has the next best rate. Your insurance premiums will double or triple after a DUI conviction due to both the higher coverage requirements and your high-risk classification. Your DUI will affect your rates for at least three years while you maintain the FR-44 filing.

A DUI conviction increases your insurance costs and requires an FR-44 filing in Florida. The FR-44 requires higher liability limits of 100/300/50 ($100,000 per person for bodily injury, $300,000 per accident for bodily injury, and $50,000 for property damage) for three years.

Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level (Friendly):State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
State Farm$67$808-49%$-774
Travelers$76$913-42%$-669
AIG$99$1,183-25%$-399
Metropolitan Group$100$1,198-24%$-384
Geico$108$1,301-18%$-281

Cheapest Car Insurance With an Accident in Florida

Travelers has the cheapest coverage for Florida drivers with accidents on their record. Minimum coverage costs $69 monthly or $825 annually, while full coverage runs $144 monthly or $1,720 annually. State Farm ($73 monthly) and GEICO ($88 monthly) also have affordable coverage. 

Your accident will affect your rates for three to five years, depending on the severity and your Florida insurer's policies. The impact on your premiums depends on the damage amount and whether anyone was injured. Minor fender benders increase rates less than serious accidents.

Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level (Friendly):State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Travelers$69$825-49%$-797
State Farm$73$870-46%$-753
Geico$88$1,058-35%$-564
Metropolitan Group$91$1,090-33%$-532
Nationwide$108$1,299-20%$-324

Cheapest Car Insurance With a Speeding Ticket

Travelers has the cheapest rates for Florida drivers with speeding tickets at $65 monthly or $779 annually for minimum coverage. Full coverage costs $143 monthly or $1,720 annually. Metropolitan Group ($66 monthly) and State Farm ($67 monthly) offer nearly identical rates, giving you multiple affordable options.  A speeding ticket increases your rates less dramatically than DUIs or accidents, but you'll still pay more than drivers with clean records.

Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level (Friendly):100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Good
Travelers$143$1,720-48%
State Farm$145$1,741-48%
UAIC$161$1,926-42%
Metropolitan Group$163$1,951-41%
Nationwide$190$2,276-32%

Cheap Car Insurance With a Texting While Driving Violation

Auto-Owners has the cheapest car insurance rates for drivers with a texting while driving violation. Minimum coverage costs just $46 monthly or $547 annually. GEICO ($50 monthly) provides a close alternative.

For full coverage after this violation, State Farm has the most affordable option at $145 monthly. Florida treats texting violations seriously because distracted driving causes thousands of accidents annually.

Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Geico$63$758-44%$-597
Metropolitan Group$66$786-42%$-569
State Farm$67$808-40%$-547
Travelers$69$833-39%$-522
Nationwide$89$1,069-21%$-286

How to Get the Most Affordable Car Insurance in Florida

Use these strategies to get cheaper car insurance in Florida:

  1. 1

    Shop quotes from at least three to five companies

    Florida's competitive insurance market keeps pricing tight among major carriers, but rates still vary between companies for identical coverage. A driver profile that gets the best rate from Travelers might pay less with State Farm or GEICO depending on specific risk factors. Compare at least three to five quotes to get the lowest available rate in Florida.

  2. 2

    Know Florida's unique minimum requirements

    Florida requires $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL) to register a vehicle. Unlike most states, Florida doesn't require bodily injury liability coverage unless you've had certain violations like a DUI. While these minimums meet legal requirements, they leave you exposed to significant financial risk. Adding bodily injury liability coverage costs relatively little compared to the protection it provides.

  3. 3

    Raise deductibles if you can afford it

    Choosing higher deductibles for comprehensive and collision coverage lowers your premiums. Moving from a $500 deductible to $1,000 will save you 10% to 15% on these coverages. This trade-off only makes sense if you have enough savings to handle the higher out-of-pocket cost after a claim. In Florida, some insurers also offer separate hurricane deductibles that apply to storm damage, so understand which deductible applies to different types of claims.

  4. 4

    Stack discounts to maximize savings

    Florida's high insurance costs make discount stacking a big cost saver. Bundle your auto and home or renters policies to save 15% to 25%. Pay your premium in full rather than monthly to save 5% to 10%. Go paperless for another 3% to 5%. If you insure multiple vehicles, ask about multi-car discounts which save 10% to 25% depending on the number of vehicles.

  5. 5

    Choose coverage that fits Florida’s risks

    Florida's unique risks require specific coverage considerations:

    • Comprehensive coverage pays for theft, flooding, wind damage, hail, and falling objects. Florida ranks fourth nationally for vehicle thefts and has regular hurricane threats.
    • Collision coverage pays to repair or replace your vehicle after an at-fault accident.
    • Uninsured/underinsured motorist coverage (UM/UIM) protects you when hit by uninsured drivers. With over 20% of Florida drivers lacking insurance, this coverage is important.
    • Gap insurance covers the difference between what you owe on a financed vehicle and its actual cash value if it's totaled.
  6. 6

    Improve your driving record and credit score

    A DUI in Florida requires an FR-44 filing with liability limits of 100/300/50 for three years. Speeding tickets, at-fault accidents, and texting violations all increase your rates for three to five years. Keeping a clean driving record is one of the most effective ways to maintain affordable rates.

    Your credit score also impacts your insurance costs. Drivers with poor credit pay twice as much as those with good credit for identical coverage. Pay bills on time, reduce credit card balances, and check your credit report for errors. Improving your credit from fair to good will save you hundreds of dollars annually on car insurance in Florida.

  7. 7

    Use FAJUA only as a last resort

    If you cannot get coverage in the standard market due to multiple violations or claims, you can apply through the Florida Automobile Joint Underwriting Association (FAJUA). FAJUA premiums are much higher than standard market rates, so only use this option if regular insurers turn you down.

Risks of Getting the Lowest Cost Car Insurance in Florida

Florida's minimum required car insurance has a unique structure with $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability, but no bodily injury liability requirement for most drivers. Minimum coverage meets legal requirements but leaves you exposed to the following financial risks:

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    Your vehicle damage won't be covered if you're at fault

    Without collision coverage, you'll pay all repair costs for your car if you cause an accident. In Florida, average property damage claims hit $4,525 in 2023, according to the Insurance Information Institute. That money comes straight from your pocket with minimum coverage. Add collision coverage to protect against expensive repairs.

    hurricane icon

    Weather damage to your car isn't covered

    Florida gets hit with severe weather that damages cars regularly. Hurricane Ian alone caused $60 billion in insured losses in 2022, damaging thousands of vehicles. Minimum coverage won't pay for weather damage. Add comprehensive coverage to protect against floods, hurricanes, and falling trees. You need this protection in Florida's storm-prone climate.

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    You're personally liable for injuries you cause

    While Florida doesn't require bodily injury liability coverage, accidents involving serious injuries can exceed your PIP coverage limits. The average bodily injury claim in Florida reached $22,734 in 2023, and you will be personally liable for costs beyond your PIP coverage if you cause a serious accident. Consider adding bodily injury liability coverage with limits of at least 25/50/25 or 100/300/100 for better financial protection.

    uninsured icon

    Not having uninsured motorist coverage opens you up to unexpected costs

    Florida has a serious uninsured driver problem, with 20.4% of drivers lacking insurance - the sixth highest rate nationwide. If an uninsured driver hits you and causes serious injuries, your PIP coverage only pays $10,000 for medical expenses and limited lost wages. Without uninsured motorist coverage, you're personally responsible for medical bills beyond $10,000, additional lost income, pain and suffering, and other damages.

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    Vehicle theft leaves you with nothing

    Car theft is a real problem in Florida, which ranks fourth nationally for vehicle thefts in 2023. Without comprehensive coverage, you get nothing if your car's stolen or damaged during a theft.

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GEEK SPEAK: MARK'S THOUGHTS ON LIABILITY-ONLY INSURANCE

Florida's no-fault system is confusing, but here's what matters: your PIP coverage pays your medical bills regardless of who caused the accident. Sounds great, right? But you're still on the hook financially if you seriously injure someone else without bodily injury liability.

And skipping comprehensive coverage in hurricane country? That's a gamble. Between flying debris, flooding, and the occasional sinkhole, Florida throws some unique risks at your car that minimum coverage won't touch.

Sure, you'll meet legal requirements, but consider whether these limits actually protect your wallet when things go south. The lowest cost insurer isn't necessarily the best for your situation.

Insurance Coverage Recommendations for Florida Drivers

Florida's minimum coverage requirements aren't enough coverage for almost every driver.  Here are coverage recommendations in Florida to consider:

  1. 1

    Liability Coverage in Florida

    Florida only requires $10,000 property damage liability and doesn't mandate bodily injury liability for most drivers.  We recommend:

    • 100/300/50 liability limits ($100,000 per person bodily injury, $300,000 per accident bodily injury, $50,000 property damage)
    • Higher limits if you own significant assets like a home or investment accounts
    • These limits protect you from lawsuits after serious accidents where medical bills and property damage quickly exceed Florida's minimums
  2. 2

    Uninsured/Underinsured Motorist Coverage

    With 20.4% of Florida drivers lacking insurance, UM/UIM coverage is important to protect you from uninsured drivers. Match your UM/UIM limits to your liability limits (100/300/50 minimum).

  3. 3

    Comprehensive Coverage in Florida

    Comprehensive protects your car from weather damage and theft. Florida is high risk for theft, hurricane damage, and flooding. Keep comprehensive coverage if your car is worth more than $5,000. Drop it when your annual comprehensive premium exceeds 10% of your car's actual cash value.

  4. 4

    Collision Coverage in Florida

    Keep collision coverage if your car is financed or leased as it's required by lenders in Florida.  Follow the 10% rule: drop collision when your annual premium exceeds 10% of your car's value. If you cause an accident without collision coverage, you'll pay all repair costs out of pocket.

  5. 5

    Personal Injury Protection (PIP)

    Florida requires at least $10,000 PIP coverage. Avoid choosing a PIP deductible unless the savings are meaningful. A $500 deductible might save you $20 annually but leaves you paying the first $500 of every claim out of pocket.

  6. 6

    Additional Coverage for Florida Drivers

    • Gap insurance: Required if you financed or leased your vehicle. Florida's vehicle depreciation from hurricane damage means you could owe more than your car is worth if it's totaled.
    • Rental reimbursement: Helpful in Florida where repair shops often get backed up after major storms.
    • Roadside assistance: Valuable in Florida's heat and humidity, which can cause battery failures and tire issues.

Minimum Coverage Requirements in Florida

Florida uses a no-fault insurance system, which means your own policy pays for your medical expenses after an accident, regardless of who caused it. To register and operate a vehicle, Florida drivers must have the following minimum coverage:

Insurance Coverage Type
Minimum Car Insurance Required

Personal Injury Protection (PIP)

$10,000

Property Damage Liability (PDL)

$10,000

Unlike most states, Bodily Injury Liability (BI) is not required for most drivers in Florida. However, BI coverage can be added to protect you financially if you injure others in a crash. Some drivers, such as those with a DUI conviction, may be required to carry BI at higher limits.

These minimums satisfy state law but may not be enough to fully protect against medical bills, property repairs, or lawsuits. Many Florida drivers choose to add BI, comprehensive, collision, and uninsured/underinsured motorist coverage to reduce their financial risk.

Cheap Car Insurance in Florida: Bottom Line

Travelers has the cheapest car insurance rates in Florida for most driver profiles and coverage types, with minimum coverage starting at $52 monthly and full coverage at $112 monthly. State Farm and GEICO consistently rank as the second most affordable options across most categories, making them strong alternatives if Travelers doesn't fit your needs.

Don't let price be your only factor when choosing coverage. Florida's minimum requirements of $10,000 PIP and $10,000 property damage leave you financially exposed to serious accidents, uninsured drivers (20.4% statewide), and weather-related damage. Add bodily injury liability, comprehensive, collision, and uninsured motorist coverage to protect yourself from Florida's unique risks.

To get the cheapest car insurance in Florida, compare quotes from at least three to five companies, stack multiple discounts (bundling, telematics, pay-in-full), raise your deductibles strategically, and maintain a clean driving record and good credit score. These strategies can save you hundreds to thousands of dollars annually in Florida.

FAQ's About Getting Cheaper Car Insurance in Florida

Below, our insurance experts answer common questions about finding affordable car insurance coverage in Florida.

What are the cheapest car insurance companies in Florida?

Does Florida require bodily injury liability insurance?

Should you buy the lowest cost car insurance in Florida?

How much does car insurance cost in Florida with a DUI?

Should I get uninsured motorist coverage in Florida?

What's the difference between stacked and non-stacked UM coverage?

Does my credit score affect my car insurance rates in Florida?

How often should I shop for car insurance in Florida?

How We Calculate the Most Affordable Car Insurance in Florida

MoneyGeek collected auto insurance data from the Florida Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in Florida.

Florida Driver Profile 
Our analysis started with a standard driver profile to find the cheapest rates:

  • 40-year-old male
  • 2012 Toyota Camry LE
  • Clean driving record
  • 12,000 miles driven annually
  • Good credit
  • Valid license
  • Currently insured
  • No claims history

We adjusted this sample profile, as specified, to find the lowest cost option for various driver backgrounds.

Standard Coverage Levels in Florida 
We compared car insurance companies in Florida that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in Florida.

As a no-fault state, Florida requires drivers to carry:

  • $10,000 in Personal Injury Protection (PIP) coverage
  • $10,000 for property damage liability

Note: Florida does not require bodily injury liability coverage for most drivers, making it unique among U.S. states.

For full coverage policy rates, we used the following liability limits:

  • $25,000 for bodily injury liability per person (recommended addition)
  • $50,000 for bodily injury liability per accident (recommended addition)
  • $10,000 for property damage liability
  • $10,000 in Personal Injury Protection (PIP) coverage (required)
  • Comprehensive and collision coverage with a $1,000 deductible

For more information on our methodology see details here.

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.

Read Full Bio »
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