Key Takeaways
- Aspire Advantage, Progressive and Safeco offer cheap car insurance in Florida, according to Jerry’s data analysis.
- Florida drivers need to carry $10,000 PIP and $10,000 PDL.
- Companies like Embark, Gainsco and Progressive often have low rates for Florida drivers.
The cheapest car insurance in Florida comes from Aspen with an average rate of $148 per month for full coverage.
Drivers in Florida tend to pay a hefty amount for car insurance premiums compared to other states. The Sunshine State ranks highly for traffic accidents, which can be a costly problem because uninsured drivers make up an estimated 15 to 20% of motorists, driving up claims costs. Additionally, there’s a litigious environment rife with fraudulent car insurance claims, and extreme weather events like hurricanes, tropical storms, and flash flooding all lead to higher costs for premiums.
Case in point: The state’s minimum coverage costs $122 per month, according to a Jerry analysis. The average cost of full coverage insurance is $433 per month. That’s higher than the national average for full coverage.
To find the best car insurance in Florida, compare car insurance quotes from multiple insurers.
Cheapest full coverage insurance in Florida
Most drivers choose full coverage policies, which include protection for your vehicle if you’re in a wreck — no matter who causes the damage — in the form of comprehensive and collision coverage. Full coverage is usually required by lenders and leasing contracts, and it also provides peace of mind if your car would be a financial burden to replace. Check out these quotes for full coverage car insurance in Florida:
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Aspen | $148 | $1,778 |
| Anchor General | $162 | $1,949 |
| Aspire Advantage | $184 | $2,212 |
| Bluefire | $202 | $2,427 |
| First Acceptance | $212 | $2,544 |
| Safeco | $251 | $3,008 |
| Trexis | $257 | $3,085 |
| Progressive | $293 | $3,517 |
| National General | $314 | $3,771 |
| Assurance America | $333 | $3,994 |
Cheapest minimum coverage insurance in Florida
If you’re low on funds, state-mandated minimum coverage keeps you legal on the road in the least expensive way possible. However, minimum coverage in Florida only pays out for property damage you cause others up to $10,000 and injuries for you or your passengers up to $10,000. But a new car or overnight hospital bill can easily cost more than that, so it’s wise to buy more coverage if you can because you’ll be on the hook for any costs your insurance doesn’t cover should you cause a wreck. Check out the quoted prices for minimum coverage in The Sunshine State:
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Aspire Advantage | $47 | $560 |
| Bluefire | $94 | $1,133 |
| Aspen | $95 | $1,137 |
| Trexis | $117 | $1,408 |
| Assurance America | $163 | $1,952 |
| ROOT | $163 | $1,960 |
| Safeco | $165 | $1,977 |
| National General | $172 | $2,061 |
| Gainsco | $177 | $2,129 |
| Progressive | $189 | $2,267 |
If you have a loan or lease on your vehicle, the lender will require
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
Cheapest car insurance for young drivers in Florida
Like everywhere else in the United States, young drivers in Florida pay the most for auto insurance because they are a lot more likely to cause accidents — statistically anyway. If your young driver is a student, be sure to seek out discounts for good grades and being away at school. As young drivers log more miles on Florida roadways without driving violations, they see prices tick down.
Here's what drivers under 30 can expect to pay, on average, for full coverage from the cheapest car insurance companies in Florida.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Anchor General | $208 |
| Trexis | $309 |
| Safeco | $346 |
| Progressive | $371 |
| National General | $378 |
Average car insurance for drivers in Florida aged 30-64
Age alone is not a good predictor of auto insurance prices for people in their thirties through retirement age — location, driving history, credit history and even marital status are bigger factors in rates. That said, the company you choose is a huge factor, because each insurer values those factors differently and prices accordingly. Comparing quotes is a great way to find the cheapest Florida insurance company for you.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Anchor General | $140 |
| Aspen | $148 |
| Trexis | $153 |
| Aspire Advantage | $184 |
| Bluefire | $202 |
Average car insurance for older drivers 65+
Senior drivers typically enjoy lower insurance rates throughout their early sixties. However, premiums often begin to rise as they move into their later years because statistically, drivers in their late seventies and eighties cause more fatal crashes than younger drivers. To keep your own policy costs low in your golden years, be sure to ask about applicable discounts, including one for a defensive driving class geared toward older drivers. Here are the cheapest car insurance companies for older drivers in Florida, according to quotes for Jerry customers and full coverage policies.
If you need full coverage, here are the most affordable full coverage quotes available for drivers 65 years old and better in Florida.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| ROOT | $114 |
| Progressive | $152 |
| National General | $209 |
| Assurance America | $227 |
| Safeco | $235 |
Average car insurance for drivers with low credit scores in Florida
Drivers in Florida with a better credit score pay less for insurance than those with spotty histories. In fact, it might surprise you to know that bad credit can easily cost more in insurance rates more than an accident or speeding ticket.
If your credit is lower than 660, it's even more important to shop around and find the cheapest carriers, because as the table below shows prices can almost double from one insurer to the next. These are the cheapest companies we found for sub-660 credit scores.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Aspire Advantage | $62 |
| Aspen | $95 |
| Bluefire | $204 |
| Anchor General | $208 |
| ROOT | $253 |
Cheapest car insurance for drivers with at-fault accidents in Florida
An accident will definitely increase your insurance rates in Florida, and even more if you cause an accident where people are badly injured. Since those kinds of claims involve lengthy hospital stays and sometimes litigation, claims are more costly and get passed back to consumers in the form of higher rates.
Cheapest car insurance for drivers with at-fault accidents with no injury in Florida
If you've been deemed at-fault for an accident that was limited to property damage, rate increases may be moderate — but it's still important to shop around. As the rates below show, insurance companies vary wildly in how much they charge.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Commonwealth Insurance | $128 |
| Bluefire | $196 |
| ROOT | $315 |
| Clearcover | $357 |
| Safeco | $361 |
Cheapest car insurance for drivers with at-fault accidents with injury in Florida
Rates are commonly higher for drivers who have caused an accident with injuries, regardless of whether property damage was involved, because injury-related claims cost them more and tend to reflect more severe accidents. All this translates to higher costs for them, which they recoup in the form of higher premiums. Here are the cheapest carriers for full coverage in Florida if you've caused an accident with injuries.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| ROOT | $320 |
| National General | $353 |
| Mendota | $377 |
| Infinity | $403 |
| Bristol West | $452 |
Cheapest car insurance for drivers with a speeding ticket in Florida
Speeding will cause your car insurance price to rise, especially if you're ticketed for driving more than 15 miles per hour, the cutoff for even higher rates because accident severity increases at higher speeds. If you have a speeding ticket, get quotes from various insurers because you could rates vary drastically by company. Here are the cheapest full coverage car insurance rates for drivers with a high-speed citation in Florida.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Safeco | $121 |
| National General | $331 |
| Progressive | $354 |
| Embark General | $361 |
| Gainsco | $378 |
Cheapest car insurance for drivers with a DUI in Florida
Driving under the influence will raise your car insurance rates, and a DUI stays on your permanent criminal record in Florida for life, though most insurance companies only look back three to five years. That means different insurers charge different rates for drivers with a DUI in Florida, and some penalize DUIs for longer. Here are the cheapest quotes we found for full coverage policies after a DUI conviction.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| ROOT | $234 |
| Gainsco | $257 |
| Bristol West | $307 |
| Embark General | $317 |
| National General | $344 |
Average car insurance for drivers with other violations in Florida
|
Violation Summary
|
Avg Monthly Quote
|
|---|---|
| Careless Driving | $447 |
| Cell Phone | $332 |
| Defective Equipment | $450 |
| Driving on Sus. License | $357 |
| Eluding Police | $405 |
| Failure to Obey Traffic Sign | $427 |
| Illegal Turn | $365 |
| Improper Passing | $479 |
| Open Container | $329 |
| Other | $423 |
| Seat Belt | $298 |
| Speeding under 15 | $362 |
| Suspension | $436 |
| Wrong Way/Wrong Lane | $441 |
What are Florida’s minimum requirements for car insurance?
Florida's minimum car insurance requirements are:
- $10,000 in personal injury protection (PIP) coverage.
- $10,000 in property damage liability coverage.
When you or somebody else driving your car gets into an accident and are found at fault, PDL coverage helps pay for the damage that your vehicle does to another person’s property.
PIP and PDL are not considered liability coverage and only cover the policyholder — not injuries and damage done to the other driver or passengers subjected to a crash.
PIP allows policyholders to file claims for injuries, lost wages and car repairs when they are injured in an accident regardless of who is found responsible. In Florida, PIP only pays up to the state's maximum of $10,000 for medical expenses for injuries. This coverage also helps pay some funeral expenses when there’s a fatality.
This unique minimum requirement in Florida, as well as the state passing the No-Fault Law in 1971 as part of the Motor Vehicle Insurance Act, has led to an excess of fraudulent PIP lawsuits. That drives up the costs for policyholders statewide.
Does Florida require drivers to have uninsured/underinsured (UM/UIM) motorists coverage?
Even though Florida drivers have an added risk of a high rate of uninsured drivers on the roads, the state does not require uninsured/underinsured motorist coverage (UM/UIM). But including UM coverage to your policy can be a good idea, as the state's minimum requirements are so low that drivers who get into an accident will likely need more protection.
UM coverage helps pay for your injuries, lost wages and the damage done to your vehicle if you’re affected by a hit and run or get into an accident with an uninsured or underinsured driver who is found at fault.
Is full coverage auto insurance recommended in Florida?
Florida’s minimum state requirements are not likely to provide sufficient financial protection in the event you’re in a serious wreck. With various risks unique to the Sunshine State, it can be beneficial that Florida drivers carry full coverage.
Paying more for full coverage may seem expensive in the short term, but it will provide greater financial protection to you if you end up in a significant accident. Without full coverage, you’re exposing yourself to financial risks once your car insurance policy reaches its limit.
What is full coverage car insurance in Florida?
Full coverage car insurance includes the state’s minimum, comprehensive coverage, collision coverage and bodily injury liability.
- Collision coverage helps pay for repairs to your car that resulted from an accident with another vehicle regardless of if you were found at fault. Collision coverage usually has a deductible.
- Comprehensive coverage pays for damage to your car that resulted from a non-collision event like an alligator attack, flooding, extreme weather events like a hurricane, vandalism, and theft.
- Bodily injury liability coverage helps protect you in case you’re found responsible for an accident in which another person gets injured.
What are the factors that determine a car insurance premium in Florida?
In Florida, insurers rate drivers on various factors to determine their risk and profile, including:
- Driving record.
- Traffic tickets and violations history.
- Claims history.
- Age, gender and marital status.
- Where you live.
- The vehicle you drive.
- Policy deductibles.
- Credit score.
- Annual mileage.
How can you find the best cheap car insurance rates in Florida?
Floridians can take several steps to find the best cheap rate for their situation by doing the following:
- Shop around and compare quotes from multiple insurers to find the best option. You can do this multiple times a year and don’t need to wait for your current policy to lapse to get this information.
- Bundle policies for your home, life and auto insurance from the same insurer.
- Choose higher deductibles.
- Maintain a safe driving record.
- Take a defensive driving course to potentially get a discount.
- Pay your policy in full and don’t let it lapse.
While the key to securing the best auto insurance policy is to gather quotes from multiple insurers, this research can be time consuming. Fortunately, you can use Jerry, America’s first and only AllCar™ app.
As a licensed broker, Jerry finds the best deal for you in minutes, as our app’s PriceProtect™ searches for insurance rates from 50+ insurance companies.
FAQ
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What is the cheapest car insurance in Florida?
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What is the cheapest full coverage car insurance in Florida?
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
