Compare car insurance quotes in Florida
Jerry is a free app trusted by 103,784 Florida drivers that compares insurance quotes from top carriers.
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Get personalized options in minutes.
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Buy, bundle and switch right in the app.
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Licensed agents are ready to help if you need them.
Average Florida car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $154 a month for state minimum and $382 a month for full coverage. In Florida, Jerry drivers pay:
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$78 to $156 per month for state-mandated minimum coverage.
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$325 to $690 per month for full coverage.
The best way to find a policy that fits a specific budget is to review quotes from at least three to five insurance companies. Over the last 12 months, Jerry has helped Floridians save an average of $994 per year by finding and showing competitive coverage options side by side.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
If that sounds too time consuming, Jerry can help! Think us as your proactive assistant. We help you compare offers side-by-side and lock in your Florida car insurance in under 10 minutes directly in the app. The app is free, and we protect your privacy by never selling your info or spamming you with calls. If you ever need extra help, our licensed agents are just a tap away.
Just remember that your final quote will depend on personal factors like your driving record, your type of car and where in Florida you live. Here are some full coverage rates that Jerry drivers in Florida have recently gotten:
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Bundle home and auto insurance with Jerry
In Florida, home insurance shopping is its own sport. Hurricane risk, wind mitigation details and roof age can all change your price fast, so bundling your car and home insurance is still one of the more reliable ways to lower your total insurance bill. On average, Jerry homeowners save up to 40% by combining coverages.
With Jerry, bundling doesn’t mean settling, though. We’ll find a strong home match for Florida realities like wind exposure and roof coverage while also finding the best auto rate for your household drivers, then we’ll combine them… even if they’re with different insurers. You get all the discounts without getting stuck choosing just one carrier.
Jerry pulls up to 20 quotes from top rated carriers.
What Florida drivers are paying with Jerry
Florida pricing can vary a lot from one insurer to the next, so comparing a few quotes is usually the simplest way to find the right fit. This is true whether you’re switching carriers, keeping coverage close to what you have or just looking for the cheapest car insurance in Florida.
That’s especially true in a state where risk isn’t evenly distributed. Miami area traffic, dense coastal driving, higher theft in some pockets and hurricane season realities can all shape pricing by ZIP code. We pull quotes for Florida drivers every single day, so you can compare carriers with a clearer read on what insurers are actually charging where you live.
Jerry helps you find quotes from up to 17 trusted insurers in the Sunshine State and lines them up side-by-side, so you can quickly see which options make sense for your coverage and budget.Below is a snapshot of recent quotes Jerry has pulled for Florida drivers at multiple coverage levels, including how much each driver saved.
Recent quotes in Florida
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Florida car insurance coverage requirements
In order to legally operate a vehicle in Florida, drivers must purchase property damage liability insurance and personal injury protection (PIP) coverage. State minimum requirements include:
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$10,000 in personal injury protection (PIP) coverage.
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$10,000 in property damage liability coverage.
While this is the legal minimum, it doesn’t offer much in terms of protection for you, your own vehicle or other drivers after a major crash. And that PIP coverage only takes care of 80% of eligible medical expenses.
That’s why many Jerry drivers choose to buy higher liability limits, more PIP and extended coverages like comprehensive or collision insurance. Since nearly 21% of Florida drivers are uninsured or underinsured, we also recommend buying uninsured/underinsured motorist (UIM) coverage for added peace of mind.
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Coverage definitions
Factors affecting Florida car insurance rates in 2026
Hurricanes, flooding, and storm surge
Florida is a magnet for hurricane and flood losses, and vehicle damage can happen even when you’re parked. Comprehensive coverage is usually the protection for storm-related losses, which is why many drivers keep it even on older cars.
Metro traffic and crash volume
In places like Miami, Tampa, Jacksonville, and Orlando, heavy traffic and constant stop-and-go driving increase the odds of a claim. Safer habits help, and telematics tools like DriveShield can reward low-risk driving over time.
Uninsured drivers
More than 20% of Florida drivers are uninsured. UM/UIM coverage helps protect you when the other driver can’t pay, and carrying stronger limits can prevent a bad crash from becoming a financial mess.
No-fault rules and PIP limits
Florida requires PIP, which helps cover your medical costs after an accident regardless of fault. It doesn’t pay for your car, so collision coverage is still what protects your vehicle after most crashes.
Theft and break-ins
Tourist-heavy areas and dense neighborhoods can see higher theft and vehicle break-in risk, especially for cars parked outdoors. Comprehensive coverage typically covers theft, and simple steps like keeping valuables out of sight can reduce your odds of a claim.
High claim severity and legal costs
Florida is known for costly claims, especially when injuries are involved and disputes drag on. Carrying liability limits that actually protect your assets can cost more upfront, but it can matter a lot if an accident turns serious.
Average cost of car insurance in major Florida cities
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City
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Average monthly cost
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City
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Average monthly cost
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|---|---|
| $322 | |
| $288 | |
| $408 | |
| $443 | |
| $279 | |
| $368 | |
| $272 | |
| $238 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Get Florida quotes in as little as 2 minutes.
Learn more about driving in Florida
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Everything you need to know about Florida towing laws.
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How to get a temporary license plate in Florida.
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Find out if it’s illegal to sleep in your car in Florida.
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Understand how no-fault insurance works in Florida.
FAQ
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Is Florida an at-fault insurance state?
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What happens if I drive without insurance in Florida?
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Do I have to keep Florida insurance even if my car isn’t being driven?
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Can I show proof of insurance on my phone in Florida?
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Does Florida require personal injury protection (PIP)?
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.