Car Insurance Calculator in Florida

Florida's minimum car insurance requirement is among the lowest in the country. Answer four quick questions to find out how much coverage you need based on your situation.

The right amount of coverage depends on four factors: your net worth, what your car is worth, whether you own or finance it and how much risk you're comfortable carrying.

• Your net worth determines your liability exposure. If you cause a serious accident and damages exceed your policy limits, you're personally responsible for the difference. The more assets you have, the more coverage you need. Most insurance professionals recommend at least 100/300/100 liability limits for Florida drivers.
• Your car's value determines whether you need comprehensive and collision coverage. Cars worth less than $5,000 often cost more to insure than you'd receive in a claim payout. For newer or higher-value vehicles, comprehensive and collision help pay repair or replacement costs.
• How you bought your car can limit your coverage choices. Lenders and lessors almost always require full coverage, including comprehensive and collision with set deductible limits, until the loan is paid off.
• Florida doesn't require bodily injury liability, unlike most states. The state only mandates $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL). If you injure someone in an accident, you're personally responsible for their medical bills unless you've added BI coverage. That gap catches many Florida drivers off guard.

MoneyGeek's car insurance cost calculator generates a personalized rate estimate based on your ZIP code, driving profile and coverage preferences. Enter your information below to see what Florida drivers like you are paying.

Your car insurance premium in Florida depends on your provider, age, location, coverage type, driving history and credit score. Insurers weigh these factors differently, which is why quotes for the same driver can vary by hundreds of dollars. Florida's no-fault PIP system, high health care costs, hurricane claims and elevated fraud rates push premiums higher than the national average.

The factors with the biggest impact on your Florida rate:

1. Provider choice is the single biggest variable. The gap between the cheapest and most expensive insurer in Florida can exceed $150 per month for identical coverage.
2. Age and driving experience rank second. A 16-year-old pays an average of $746 per month, while a 60-year-old pays $181 per month.
3. ZIP code sets your local risk exposure. Miami drivers pay much more than those in rural areas like the Panhandle due to population density, traffic and hurricane risk.
4. Credit score and driving history have a major effect, especially for high-risk drivers. Full coverage ranges from $152 per month with excellent credit to $309 per month with poor credit. Florida requires an FR-44 (not an SR-22) for DUI convictions, which mandates higher liability limits of 100/300/50 for three years. Drivers with a DUI pay considerably more.

Comparing quotes from at least three Florida insurers is the single most effective way to lower your rate. The gap between the cheapest and most expensive Florida insurer can exceed $150 per month for full coverage. The tips below can also help you lower your car insurance rate.

For all costs and cost profile modifications, we used this base profile:

• 40 years old
• Good credit
• Drives a 2012 Toyota Camry
• Clean driving record

MoneyGeek's car insurance calculator uses real rate data gathered from insurer filings by Quadrant Information Services. Full coverage rates include 100/300/100 liability limits with comprehensive and collision coverage and a $1,000 deductible. Minimum coverage rates reflect Florida's required $10,000 PIP and $10,000 PDL. MoneyGeek updates rates monthly to reflect the most recent available data.

For more information on how MoneyGeek analyzes car insurance costs, see our auto insurance methodology.