Florida Car Insurance Calculators: Cost & Coverage

• MoneyGeek's Florida rate data comes from Quadrant Information Services, which collects premium data directly from insurer filings with state regulators. Every rate filed in Florida is a matter of public record.
• We pull data from every residential ZIP code in the state and update it monthly. Two of Florida's four cheapest insurance companies don't appear on most national comparison platforms, which is why MoneyGeek's full Florida dataset matters more here than in most markets.
• All content on this page is written and reviewed by Mark Fitzpatrick, a licensed Property and Casualty Insurance Producer. For a full breakdown of how we collect and analyze rate data, see our car insurance methodology. Our editorial policy means our recommendations are never influenced by our carrier relationships.

Most Florida drivers assume the lowest rate is from companies like GEICO, State Farm and Allstate. The cheapest full-coverage insurer in Florida charges $112 per month. The most expensive charges $380 per month. That's a $268-per-month cost gap, or $3,216 a year, for the same coverage.    

Two of Florida's four cheapest carriers don't appear on most national comparison websites. Metropolitan Group provides insurance only in Florida. UAIC is only in Florida and Utah. Neither shows up when you search on a national platform. They rank 3rd and 4th cheapest for drivers with clean records, and they hold that ranking for young drivers, seniors, and drivers with a DUI. If you've been shopping only on nationally advertised sites, these options may be new to you.  

The ranking also changes after a DUI. State Farm is Florida's second-cheapest insurer for drivers with a clean record at $136 per month. After a DUI, it becomes the cheapest in the state at $145 per month. That's a $9-per-month increase. GEICO, which ranks seventh for drivers with a clean record, adds $156 per month after a DUI and drops to ninth. If you've had a DUI, the company you're insured by matters more than when you re-shop.  

Most of the national carriers are pricing Florida 80 to 170% above what they charge in neighboring states. State Farm is the only major carrier doing the opposite, pricing Florida $18 per month below its own Southeast regional average. That's the structural reason the spread is as wide as it is here.  

Get quotes from Metropolitan Group and UAIC directly, alongside whatever national carriers you're already comparing. That's where the $268/month cost difference gets closed.

For most Florida drivers, the interesting number isn't the statewide spread. It's what's happening inside their own city. In Tampa, the most and least expensive ZIP codes are $87 per month apart for the same driver on the same coverage, or $1,044 a year. Three Tampa ZIP codes rank among the eight most expensive in the entire state for full coverage.

Tampa is the ZIP code story in Florida, though not because it has the state's highest rates. West Palm Beach holds the most expensive ZIPs in the state, with the highest hitting $473 per month for full coverage. What makes Tampa the story is how wide the gap is within the city itself. ZIP 33604 in Tampa costs $194 per month for minimum coverage. ZIP 33621, which is also in Tampa, costs $107 per month. That's an $87-per-month difference, without changing anything except where you park your car overnight.  

That's how insurance companies set your rate. Your overnight parking address is the ZIP code they use. It doesn't matter where you work or where you drive.  

Drivers who commute across city or county lines and have a choice of which address to register should get quotes for both. That single decision can sometimes save more money than switching carriers.

Most Florida drivers with young kids (or drivers who are young themselves) wait until they turn 25 because they think that's when rates may go down. In Florida, that advice costs you money.

Florida's biggest single-year rate drop happens when the driver turns 19, not 25. A driver going from 18 to 19 sees their rate fall by $414 per month. A driver going from 24 to 25 sees it fall $38/month. The 19th birthday delivers eleven times more savings than the 25th. Waiting until 25 to re-shop after turning 18 means giving up $4,968 in savings over those 12 months.

When rates drop at 19, the rate falls passively on its own. But re-shopping at that birthday also lets you get the carrier spread, which is a separate savings on top. Most drivers get one. A driver who re-shops at 19 gets both.

Florida's rate floor is age 60 at $320 per month. After that, rates start climbing. By 70, they're at $351 per month. By 80, $463 per month. Drivers past 65 who last shopped when they were younger may be paying $100 to $200 per month more than they have to.

In Florida, improving your credit to good is the wrong move. Drivers with good credit pay $226 per month. Drivers with fair credit pay $180 per month. Good costs more than fair. Eight of 11 Florida insurers price good above fair in their own data.

The right target is excellent. Excellent credit costs $124 per month, $102 per month less than good. That's $1,224 a year on savings just for being at the right tier. Fair to excellent is a bigger savings than most people expect, and in Florida, the math is different from that in most states.  

One carrier takes this further than the rest. For drivers with poor credit, it charges $477 per month. For drivers with excellent credit, it charges $77 per month. That's a 6x difference at a single company, versus a market average of about 2x. A driver at that carrier who improves from poor to good won't see much change. The way to capture the savings is to reach excellent and then re-quote with a different insurer.  

Florida insurers don't automatically update your rate when your credit score improves. They price you at the tier you were when you signed up. Re-quoting at excellent is the only way to get the lowest rate possible.

An at-fault accident adds $96 per month to your Florida rate on average, or $1,152 a year. A DUI adds $76 per month at the market average. But those are averages. Which insurer you're with if an accident happens will determine whether you're near the average or far above it.  

Florida uses FR-44 for DUI convictions, not SR-22. This matters because FR-44 requires much higher coverage than a standard policy: $100,000 per person and $300,000 per crash in bodily injury liability, plus $50,000 in property damage. Your insurance cost goes up because you now need to carry a more expensive policy, on top of the violation surcharge. The FR-44 requirement lasts for three years from the date your driving privileges are reinstated, not from the conviction date. Those can be months apart, and the clock doesn't start until reinstatement.  

After a DUI, the insurer you're with matters as much as anything else. State Farm adds $9 per month for a DUI, becoming Florida's cheapest post-DUI insurer at $145 per month. GEICO adds $156 per month for the same violation and drops from 7th to 9th cheapest. A driver with a DUI at GEICO pays $214 per month more than a driver with the same DUI at State Farm. Re-shopping immediately after the conviction, before the FR-44 period ends, is where that $214 gets recovered.  

Progressive charges $103 per month more for a not-at-fault accident ($457 per month) than for a DUI ($394 per month). If you're with Progressive and someone hits your car, that accident is costing you more than a DUI conviction would at that same carrier.  

There are two re-shop window opportunities after a violation, not one. The first opens immediately, especially if you're with an insurer that heavily penalizes violations. The second opens three years from your conviction date, when the violation clears your Florida driving record. Most drivers who re-shop once miss the second window.

Dropping to minimum coverage saves $130/month in Florida, or $1,560 a year. But Florida's minimum leaves out something that every other state includes, and that cost difference is bigger here than anywhere else.  

Florida doesn't require bodily injury liability. It's one of two states in the country where that's true. Your minimum-coverage policy pays $10,000 toward your own medical bills and $10,000 toward property you damage. It pays nothing toward the other driver's injuries if you caused the crash. If you cause an accident and the other driver has $200,000 in medical bills, your policy handles $10,000 and you owe the remaining $190,000 out of pocket.  

In practice, the personal injury protection (PIP) limit is typically below $10,000. Florida PIP covers 80% of medical costs, and you lose the benefit completely if you don't seek treatment within 14 days. The most you'll actually see from a $10,000 PIP policy is $8,000.  

If your vehicle is financed, your lender has already covered the costs for the vehicle damage. They require collision and comprehensive. What remains open is the bodily injury exposure, and no lender requirement covers that.  

The $130 per month you save by going minimum is yours to keep. Whether it's a good trade depends entirely on what you own. In Florida, where you can legally carry a policy with no bodily injury coverage at all, the exposure for drivers without it is higher than in any other state.

In most states, the standard advice for deciding whether to keep comprehensive coverage is to compare your annual premium to your car's value. In Florida, that math produces a different answer than it does elsewhere.  

Florida recorded 46,213 vehicle thefts in 2023, the 3rd-highest total among states, per the National Insurance Crime Bureau. Florida also has had more hurricane strikes than any other U.S. state since records began in 1851, according to the National Hurricane Center. Comprehensive coverage pays when either of those things damages or totals your vehicle. Collision, PIP and liability won't cover either of those losses. If you've dropped comprehensive because the car isn't worth much, a Category 2 hurricane or a theft in a high-crime ZIP leaves you with nothing.  

The calculation isn't the vehicle value divided by the annual premium, weighted by the likelihood of the risk in your specific ZIP code. A $7,000 car in a Tampa ZIP with documented theft exposure is worth more to insure than the same car in a rural Panhandle county.  

If your vehicle is financed or leased, your lender requires collision and comprehensive coverage. For vehicles you own outright, check your ZIP code's theft exposure and calculate the math with Florida's hurricane season in the picture, not without it.

Bodily injury liability pays for the injuries you cause to someone else in a crash: their medical bills, lost wages and any legal judgment against you. In Florida, this is the most important coverage most drivers don't have, because the state doesn't require it. If your recommendation includes it, the calculator added it because you have assets that a lawsuit could reach. Without it, any judgment above your $10,000 PIP limit is your personal debt.

Property damage liability pays for damage you cause to other vehicles and property. That includes other cars, fences, barriers and buildings. Florida requires $10,000 minimum. That may not be enough to cover a moderate collision with a newer car. If your recommendation is higher, it's because $10,000 won't be enough for a real crash with most vehicles on the road today.

Uninsured and underinsured motorist coverage (UM/UIM) pays your bills when the driver who hit you has no insurance or not enough to cover what they owe you. Florida's uninsured rate is 20.6%, the 7th highest in the country per the Insurance Research Council. If your result includes UM/UIM, it's because one in five drivers on Florida roads has no insurance, and this is the coverage that pays if one of them hits your car.

Personal injury protection (PIP) pays your medical expenses and lost wages after a crash regardless of who caused it. Florida requires $10,000 in PIP on every policy, but the actual payout is lower. PIP covers 80% of necessary medical expenses, and only if you seek treatment within 14 days. The most you'll collect on a $10,000 PIP policy is $8,000.

Collision and comprehensive cover the expenses for damage to your own vehicle. Collision covers crash damage regardless of fault. Comprehensive covers non-collision losses: vehicle theft, storm damage, flooding and fire. In Florida, hurricane season is the primary risk that makes this coverage earn its premium on vehicles that might otherwise be borderline. Both are required by lenders on any financed or leased vehicle. For vehicles you own outright, Florida's hurricane season and its position among the highest-theft states nationally are why the calculator may have included comprehensive even on an older vehicle.

Gap insurance pays the difference between what your car is worth and what you still owe on the loan if it's totaled. Gap coverage makes sense for any recently financed vehicle where the loan balance is higher than the car's current value. Your lender may require it.

FR-44 is a certificate your insurance company files with the Florida DHSMV proving you're carrying the required coverage. FR-44 requires $100,000 per person and $300,000 per crash in bodily injury liability, plus $50,000 in property damage. That's ten times Florida's standard minimums. Under Florida Statute §324.023, the requirement runs for three years from the date your driving privileges are reinstated. Before you buy a policy after a DUI, confirm that the carrier files FR-44 certificates.

1. Get quotes from Metropolitan Group and UAIC. Metropolitan Group writes only in Florida. UAIC writes only in Florida and Utah. Neither shows up on most national comparison tools. Both rank in Florida's top four cheapest carriers for drivers with clean records, and both hold that ranking for young drivers, DUI drivers, and seniors. Get direct quotes from each alongside whatever national carriers you're already comparing.
2. Re-shop on your 19th birthday, not your 25th. Florida's biggest single-year rate drop is the 18-to-19 transition, at $414 per month. The 24-to-25 transition drops just $38 per month. Waiting until 25 leaves $4,968 uncaptured over those 12 months. If a young driver on your policy turned 19 in the last year without re-shopping, that savings is still on the table.
3. Target excellent credit, not good. In Florida, eight of 11 carriers charge more for good credit than for fair credit. Getting to good won't lower your rate at most companies here. The target is excellent, saving $102 per month over good, or $1,224 a year. When you hit excellent, requote with a new carrier. Your current insurer won't automatically update your rate.
4. Know your two re-shop windows after a violation. After a DUI, re-shop immediately. Don't wait for the FR-44 period to end. State Farm is Florida's cheapest post-DUI insurer at $145 per month; GEICO charges $214 per month more for the same violation. For any violation, re-shop again at three years from your conviction date, when the violation clears Florida's driving record. Most drivers re-shop once and miss the second window.