Car Insurance in Florida: How to Find the Policy That Fits You

MoneyGeek's analysis provides solutions to all of your car insurance requirements in Florida.

Find the Best or Cheapest Car Insurance in Florida

MoneyGeek compiled thousands of quotes to find Florida’s cheapest car insurance companies. Using our unique scoring system, we can help you find companies that offer a great balance of affordability and service. We determined how much car insurance costs based on things like your age, driving record and more.

In terms of why car insurance costs in Florida are so high, MoneyGeek looked into the possible explanations.

The resources above examine the cheapest and best car insurance for certain types of drivers. However, if you are looking for the cheapest and best auto insurance in Florida for different driver profiles, the table below will give you an idea of what you can expect to pay for auto insurance in Florida.

Unless otherwise stated, all of the rates are for a full coverage insurance policy.

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THE CHEAPEST CAR INSURANCE COMPANIES IN FLORIDA
  • Minimum liability: GEICO
  • Full coverage: GEICO
  • Drivers with a DUI: State Farm
  • After an accident: USAA
  • Drivers with a ticket: State Farm
  • Drivers with bad credit: GEICO
  • Senior drivers: GEICO
  • Student drivers: GEICO
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THE BEST CAR INSURANCE COMPANIES IN FLORIDA
  • Overall: GEICO
  • Customer Service: Esurance
  • On a Budget: GEICO
  • Poor Driving Record: GEICO
  • Military: USAA
  • Young Drivers: GEICO
  • New Cars: MetLife
  • Low-Mileage Drivers: Nationwide

Get a Florida Car Insurance Quote

If you observe the average car insurance quotes in Florida from various insurers, you can find that they differ by as much as $1,788 per year for the same driver. To avoid being overcharged for car insurance in Florida, it is best to shop around and compare rates from several different companies. In most cases, this is not a time-consuming process and can help you save money.

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Car Insurance Laws in Florida

MoneyGeek has all the details you need on Florida's auto insurance requirements. The state law requires all drivers to carry the following liability insurance:

If you have the state's minimum coverage, your coverage will be limited to the financial limits indicated above. Notably, Florida's legislation only requires you to carry the state's basic minimum liability limits, which are low and do not include comprehensive and collision coverage. The amount of coverage you need may differ from the amount the state mandates.

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ARE THERE DIFFERENT LAWS FOR HIGH-RISK DRIVERS IN FLORIDA?

In Florida, drivers convicted of major traffic offenses, such as driving without insurance or reckless driving, need to file an SR-22 form as proof of insurance. Drivers convicted of serious offenses, such as driving under the influence of alcohol or drugs, must also submit an FR-44 form. MoneyGeek outlines how much insurance with an FR-44 or SR-22 will cost you in Florida and how to submit it.

Specialty Car Insurance in Florida

It's possible that a traditional auto insurance policy will not be sufficient for your specific needs. MoneyGeek analyzed several options to help those looking for the best car insurance policy in Florida. Car insurance for non-owners, temporary coverage and low-income drivers are among the options assessed. Below, you'll find additional information regarding these choices.

MoneyGeek Specialty Car Insurance Resources

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Non-owner car insurance

For people who don't own a car but need proof of insurance, non-owner car insurance in Florida is a good choice.

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Temporary car insurance

You can get temporary car insurance in Florida if you rent cars or only drive for a short time. You can buy a policy and cancel it early or purchase rental car insurance.

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Car insurance for low-income drivers

Despite the absence of government aid programs for low-income car insurance in Florida, MoneyGeek found ways for drivers to save money on their auto insurance.

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.