Compare car insurance quotes in Florida
Jerry is a free app trusted by 104,821 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 $153 a month for state minimum and $382 a month for full coverage. In Florida, Jerry drivers pay:
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$78 to $153 per month for state-mandated minimum coverage.
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$321 to $684 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 $982 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
Florida homeowners pay the highest insurance premiums in the nation, nearly three times the national average. This is driven by hurricane risk, litigation costs and a shrinking number of carriers willing to write policies in the state, so every dollar you can save matters here, which is where bundling home and auto insurance comes into play.
Bundling discounts typically range from 5–25%, depending on the insurer. But bundling with the same carrier isn’t always the cheapest option — mixing carriers can actually result in a lower total cost. Over the past year, drivers who switched through Jerry saved an average of 40% compared to their previous policy.
Here’s why: Jerry doesn’t lock you into one insurer for both policies. Jerry’s mix-and-match approach lets you pair the best home insurance rate with the best auto insurance rate, even from different carriers. That way, you’re not overpaying on one policy just to get a discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What Florida drivers are paying with Jerry
Comparing quotes from multiple insurance companies is the easiest way to find your best coverage. Whether you’re building a unique policy, matching your current coverage or just choosing the cheapest car insurance in Florida, shopping around helps you find the right fit.
That matters in Florida, where your rate can look completely different depending on your part of the state. Miami and South Florida drivers deal with some of the highest premiums in the country, while drivers in the Panhandle or central Florida often pay significantly less. Factor in hurricane season, flood exposure and one of the highest uninsured motorist rates in the U.S., and there’s a lot working against you if you’re not comparing options. Jerry works with Florida drivers every day, so your quotes reflect what companies 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, which is a bit different from many other states. 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, which could leave you holding the bag for a lot more.
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 gets hit hard by hurricanes, and cars can be damaged or totaled even when they’re parked. We recommend keeping comprehensive coverage because that’s what pays for storm surge, flooding and wind damage, even on older vehicles.
Metro traffic and crash volume
Miami, Tampa, Jacksonville and Orlando all bring heavy traffic and constant stop-and-go driving, which means more claims across the board. Drive defensively and give yourself extra following distance, especially during rush hour. Also consider a telematics program like Jerry DriveShield, so your safer habits can translate into a lower rate.
Uninsured drivers
More than one in five Florida drivers is uninsured, according to the IRC. Jerry recommends carrying uninsured/underinsured motorist limits that match your liability limits, not just the minimum available. Stronger limits can keep one crash from turning into a long financial headache.
No-fault rules and PIP limits
Florida requires PIP, which helps cover your medical costs after an accident regardless of fault. But PIP does not pay for vehicle damage. Consider carrying collision coverage so you can get your own car repaired after a crash without relying on the other driver’s insurer.
Theft and break-ins
Tourist-heavy areas and dense neighborhoods see more theft and break-ins, especially when cars sit parked outside. Consider carrying comprehensive coverage to pay out if your car is stolen or broken into. Also make your car a harder target: keep valuables out of sight, lock up and park in well-lit areas when you can.
High claim severity and legal costs
Florida claims get expensive fast, especially when injuries are involved and disputes drag on. We recommend carrying liability limits that actually protect your assets, not just the state minimum. It costs a bit more upfront, but higher limits give you real protection if a serious accident leads to a lawsuit.
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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|---|
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City
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Average monthly cost
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|---|---|
| $321 | |
| $286 | |
| $406 | |
| $441 | |
| $279 | |
| $367 | |
| $270 | |
| $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.
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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 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.