Good news for Florida drivers: Jerry’s latest data shows that liability coverage in the Sunshine State averages about $357 per month. Because Florida is a no-fault state, every driver must carry personal injury protection (PIP) to cover their own medical costs after a crash, and that requirement plays a big role in how insurance prices are set here.
Over the past year, we’ve helped 42,022 Floridians secure more affordable coverage, and drivers who buy with Jerry save an average of $1,606 a year without giving up the protection they need.
Jerry compares quotes from up to 14 trusted insurers in Florida to build your policy and help you find the best rate in minutes.
Save on Florida insurance with Jerry.
What Florida drivers are paying right now
Car insurance costs in Florida move quickly, and because it’s a no-fault state, medical claim expenses are a major driver of those prices. Even two drivers with similar cars and clean records can end up with very different premiums depending on where they live, how often they’re on the road and how insurers calculate PIP risk.
Jerry tracks live quotes across Florida to give you a clear, real-time snapshot of what drivers are paying today. Here are a few recent examples of full coverage policies purchased through Jerry.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Check your rates regularly. In Florida, everything from hurricane season to changes in PIP-related claim costs can nudge your premium up or down by renewal time.
4 smart ways Jerry helps Florida drivers save on car insurance
If you’re looking to lower your car insurance costs in Florida, you’re definitely not alone. But the lowest upfront price isn’t always the best value, especially in a no-fault state where medical coverage requirements can push premiums higher.
Jerry makes it simple by comparing real quotes, surfacing discounts you may not realize you qualify for and showing you where you can save without under-insuring yourself.
Here are our top proven ways Florida drivers can cut their costs with Jerry.
| How to save | Average Florida driver savings |
|---|---|
| Compare quotes | 42% to 61% |
| Stack discounts | 35% to 45% |
| Pick the right deductible | 16% to 71%* |
| Build a policy to match your budget | 16%* |
*Among all Jerry drivers nationwide.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Jerry Agent Tip 1: Compare quotes from multiple insurers
Florida’s insurance market is uniquely volatile. The state’s high medical costs, hurricane exposure and a large uninsured-driver population all influence how companies price coverage.
That’s why the same driver can get wildly different quotes from different insurers. Comparing rates side-by-side with Jerry is the fastest way to ensure you’re not overpaying.
Here’s where Florida drivers who saved switched to after comparing with Jerry:
| Insurance carrier | Florida drivers who switched | Average Jerry savings |
|---|---|---|
| National General Value Program | 19% | 31% |
| Root | 18% | 32% |
| Bristol West | 12% | 26% |
| Progressive | 11% | 29% |
| National General | 9% | 33% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Why it matters: Location matters in Florida. Drivers in Miami and Orlando typically face far higher PIP and collision claim rates than those in Pensacola or Ocala. Jerry helps you see these differences instantly and find coverage that fits your budget.
Jerry Agent Tip 2: Combine discounts for a cheaper rate
Most Florida drivers qualify for several discounts, from bundling home and auto to safe-driver rewards and vehicle safety features. But insurers don’t always apply them automatically.
Jerry identifies the discounts you’re eligible for so you don’t leave savings behind.
Key takeaway: Stacking discounts often brings bigger savings than adjusting your deductible alone.
Jerry Agent Tip 3: Pick the right deductible
Raising your deductible is one of the easiest ways to lower your premium. Just make sure it’s an amount you can comfortably afford out of pocket after filing a claim.
Here’s what Jerry drivers choose for their deductibles:
To find your ideal deductible:
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Check your car’s current value (Jerry updates this automatically each month).
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Pick a deductible you could reasonably cover in an unexpected repair situation.
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Compare how changing your deductible impacts your rate in real time.
The Jerry difference: Jerry shows instant savings across multiple deductible levels so you can choose a balance of cost and coverage that actually works for you.
Jerry Agent Tip 4: Build a policy you can afford to keep
A lapse in coverage can be expensive. Jerry drivers who go without insurance, even briefly, see their premiums jump by an average of 16% once they reinstate a policy. The smartest long-term savings move is choosing coverage that fits your budget every month so you’re never forced to let it drop.
Jerry makes that easy. We show you real-time pricing across multiple coverage levels, helping you find a policy that protects you and stays comfortably within your budget. You’ll see exactly what each option costs, how adjusting limits or deductibles changes your rate, and where you can save without leaving important protections behind.
Get personalized car insurance rates now.
How to get better coverage without overpaying
Florida’s no-fault system means every policy must include PIP, but beyond that, the right mix of coverage can protect you from high repair costs, uninsured drivers and severe weather.
Here are Florida’s common coverage levels and what they typically cost.
Minimum
$75 – $148/mo
Includes PIP and property damage liability. It does not cover injuries you cause to others or damage to your own vehicle.
Full
$145 – $292/mo
Adds collision and comprehensive coverage, which are typically required if your car is leased or financed.
Standard
$330 – $697/mo
Adds uninsured/underinsured motorist coverage, critical in Florida where more than 1 in 5 drivers is uninsured.
Preferred
$352 – $630/mo
Includes higher liability limits, lower deductibles and extras like towing or rental reimbursement for stronger overall protection.
Key takeaway: Start with your own comfort around risk and the value of your car. Jerry shows real-time pricing for each coverage level so you can choose confidently.
The cheapest Florida policy is PIP and property damage liability only. However, adding comprehensive or UM/UIM can make a major difference if and when you actually need it.
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Coverage definitions
Florida insurance factors at a glance
What you pay for insurance in Florida is shaped by several unique factors. Here are the biggest ones:
Hurricanes and flooding
Florida leads the nation in flood and hurricane losses. Comprehensive coverage is often worth having, even for older cars.
Heavy traffic
Major metros like Miami, Tampa, Jacksonville and Orlando have some of the highest crash rates in the country. Telematics tools like DriveShield can help offset the added risk.
Uninsured drivers
More than 20% of Florida drivers are uninsured. Strong UM/UIM limits protect you in crashes where the other driver can’t pay
No-fault system
Required PIP covers your own medical bills from an accident but it doesn’t cover vehicle damage, so collision insurance is still essential.
Florida Insurance After a Ticket, Accident or SR-22
One mistake shouldn’t lock you into high rates forever… and with Jerry, it doesn’t.
Even if your driving record isn’t spotless, you can still secure competitive pricing. Jerry partners with top insurers that consider multiple factors, not just your latest violation. Plus, we automatically re-shop your policy as your record improves.
If you got a ticket
Florida assigns points for speeding and other moving violations, which stay on your driving record for at least five years. Too many points within a short timeframe can lead to license penalties or mandatory driver-improvement courses.
A single ticket can increase your insurance premium 15% to 30%, which really adds up. Completing an approved driving course may help reduce points or lower your rate, and Jerry automatically shops for lower prices once your violation clears.
The average rate increases for Jerry Florida drivers after a citation are:
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Speeding under 15: 4%
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Speeding over 15: 9%
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Failure to obey traffic sign: 21%
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Reckless driving: 22%
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve had an accident
An at-fault crash in Florida typically raises rates by an average of 9%, and those higher premiums can stick around for three to five years. Jerry finds the best available rate right away and re-shops your policy when the accident falls off.
Rates after an accident, full coverage
|
Accident record
|
Average monthly quote
|
|---|
|
Accident record
|
Average monthly quote
|
|---|---|
| Not At Fault | $392 |
| At Fault With Injury | $399 |
| At Fault With No Injury | $440 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve been convicted of a DUI
A DUI conviction in Florida can increase your insurance rates substantially, and the surcharge usually lasts several years. Still, some insurers offer more reasonable pricing for high-risk drivers.
Jerry identifies those carriers and automatically re-shops your policy as your record improves.
Here are the cheapest insurance companies for Florida drivers with a DUI conviction:
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|---|---|
| $175 | Yes | |
| $196 | Yes | |
| $313 | Yes | |
| $321 | Yes | |
| $326 | Yes |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you need an SR-22 in Florida
Florida may require an SR-22 if you’re convicted of certain violations, go without insurance or cause an uninsured crash.
Check the SR-22 option in the Jerry app and we’ll show only insurers that handle the filing. Some carriers charge about $25 per year for processing.
Car Insurance with Bad Credit
Florida allows insurers to use credit-based insurance scores, which means your credit history can influence your premium. But continuous coverage, shopping regularly and choosing the right coverage mix often have a stronger impact on your final price.
Jerry helps you compare quotes instantly so you can find the best rate, no matter your credit situation.
Average rates in Florida by credit score
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Drive with confidence
Florida’s mix of hurricanes, tourist traffic, long commutes and high uninsured-driver rates calls for coverage that fits your real life, not a one-size-fits-all plan. Jerry makes it easy to build a policy that meets Florida’s no-fault requirements and still protects you day-to-day.
Get Florida coverage in as little as 2 minutes.
Methodology
To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.
At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.
Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.
Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.
Read more about Jerry’s data gathering and verification processes
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.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
