Compare Car Insurance in Florida

Florida ranks 3rd most expensive in the nation for auto insurance, with full coverage averaging $2,912 annually and minimum coverage at $1,207 per year. Florida's unique risk factors increase rates for everyone.

What you need to know is that Florida rates vary widely between insurers with one insurer charging 100% more than another in some cases. You won't know which company gives you the best deal until you compare. That's why comparing car insurance in Florida saves you real money, more than most states.

Getting actual quotes is the only way to compare and get your real rate in Florida. You'll see a wide range of prices for the same coverage. Minimum liability coverage varies from $50 to $150+/month and full ranges from $111 to $250+/month for identical driver profiles. Your driver type also affects the quote ranges in Florida. Adult drivers see quotes ranging from $50 to $230/month. Young drivers have higher rates, ranging from $147 to $400/month and  high-risk drivers in Florida with violations see the widest variation, from $130 to $514/month.

Same Florida Driver, Different Quotes: A 40-year-old driver in Florida with good credit and a clean record looking for full coverage might see:

• Travelers: $112/month
• State Farm: $136/month
• GEICO: $168/month
• Nationwide: $168/month
• Mercury Insurance: $198/month

Your location is one of the top factors affecting your rate in Florida. Coastal areas pay more due to hurricane and flood risk. High-crime urban areas in Miami see higher premiums for theft and accident risk. Even within the same city, ZIP codes create big rate differences in Florida. Explore detailed comparisons for major Florida markets:

• Miami
• Tampa
• Jacksonville
• Orlando
• Fort Lauderdale
• West Palm Beach
• Tallahassee
• Gainesville
• Pembroke Pines
• Cape Coral
• Miramar
• Clearwater
  See our the most affordable car insurance in Florida to see more cities in Florida.

If standard car insurance doesn't fit your situation, MoneyGeek offers guides for Florida drivers with specific needs:

• Non-Owner Car Insurance in Florida covers you when driving a car you don't own, starting at $41/month. This works for frequent car renters, those who borrow cars often, or drivers reinstating their license.
• SR-22 Car Insurance in Florida is required after serious violations. This filing proves you carry minimum liability coverage while rebuilding your driving record.
• Temporary Car Insurance in Florida is perfect for short-term needs. You can purchase a standard six-month policy and cancel early for a prorated refund.
• Low-Income Car Insurance in Florida helps budget-conscious drivers find affordable options. Compare rates and coverage to fit your budget.