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 $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
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, 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 racks up hurricane and flood losses, and cars can get damaged even when they’re parked. Comprehensive coverage is essential if you want protection from storm-related damage, including flood and storm surge in many cases, even if your car is older.
Metro traffic and crash volume
Miami, Tampa, Jacksonville, and Orlando bring heavy traffic and constant stop-and-go driving, which means more claims. Drive defensively and give yourself extra space, especially during rush hour. You should also consider telematics like DriveShield so your low-risk driving can earn you a better rate over time.
Uninsured drivers
More than 20% of Florida drivers are uninsured. You should carry UM/UIM coverage and choose limits that match what you’d want if the worst happens… not just the minimum that looks good on paper. 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. Don’t count on PIP to protect your car, because it doesn’t pay for vehicle damage; instead, carry collision coverage for your own repairs after most crashes.
Theft and break-ins
Tourist-heavy areas and dense neighborhoods see more theft and break-ins, especially when cars are parked outside. You should keep comprehensive coverage, since it typically covers theft. And you should make your car a harder target: keep valuables out of sight, lock up, and park in well-lit, higher-traffic areas when you can.
High claim severity and legal costs
Florida claims get expensive fast, especially when injuries are involved and disputes drag on. Carry liability limits that actually protect your assets, even if it costs more upfront, as higher limits give you real protection if a serious accident happens,
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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|---|---|
| $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.