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Last updated: April 18, 2023

Cheap Car Insurance in Florida

How you can save money on car insurance in the Sunshine State

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There are many great things about living in Florida, from the year-round sunshine to the cities, beaches, and Cuban food galore. However, one thing that’s not so great about living in Florida is the cost of car insurance. Florida ranks as the fifth most expensive state for car insurance, with rates 24 percent higher than the national average. That’s why we’re showing you how to find affordable auto coverage in Florida.

Best Cheap Car Insurance Companies in Florida

There are no one-size-fits-all providers in Florida for minimum or full coverage car insurance. The cheapest auto insurance will depend on your circumstances, the coverage limits you select, and your ZIP code. Compare quotes from multiple providers to find accurate average premiums.

By Coverage

USAA is the cheapest option for both full coverage and minimum coverage, with prices as low as $940 and $406 per year, respectively.

By Driving Record

If you have a clean driving record, look to GEICO for annual premiums as low as $300. Good drivers pay less for insurance than drivers with tickets and DUIs, as they’re less likely to file claims.

By Credit Score

USAA is the best option for someone with good or excellent credit, with annual rates of $1,030 and $756 respectively.

By Age

No matter what age you are, GEICO offers some of the lowest rates around. Of course, expect to pay more for teen drivers and older adults, and less for middle-aged drivers.

Age Annual rate from GEICO
16 $2,965
17 $2,965
18 $2,776
19 $2,457
20s $1,274
30s $766
40s $704
50s $674
60s $640
70s $1,259
80s and above $1,740

By Military Status

USAA is the cheapest provider for current military personnel and veterans, with annual rates of $406.

By Marital Status

Got hitched? Save money with AssuranceAmerica, which offers auto insurance for $972. Single people will pay more but can save money by using Dairyland as their provider, with annual rates of $1,092.

By Gender

On average, men in Florida actually pay less than women for car insurance. Dairyland, for example, offers men annual rates of $1,032 and women annual rates of $1,128. However, male teens will pay more. The lowest annual rates we’ve come across for teenagers of both sexes are from State Farm – $2,202 for male teens and $2,019 for female teens.

Learn more about the factors that affect car insurance rates for liability insurance and beyond.

The Best Car Insurance in Florida

  • Allstate
  • Amica
  • Assurant
  • Direct Auto
  • Esurance
  • Farmers
  • Homesite
  • Horace Mann
  • Mercury
  • National General
  • Nationwide
  • Progressive
  • PURE
  • State Farm
  • The Hartford
  • Travelers
  • USAA

How to Lower Your Car Insurance Premiums

  • Get a senior discount. Florida’s high population of seniors (4.6 million older adults and counting) may be able to get discounts due to their age. Direct Auto, for example, offers discounts for drivers over 55 who complete the Motor Vehicle Accident Prevention Course. Ask your agent if your insurance company offers any discounts that could apply to you.
  • Bundle policies. Whether you have homeowners, renters, or life insurance, bundling multiple policies under the same provider may unlock a loyalty discount.
  • Take a basic driver improvement course. Many providers offer discounts if you take a defensive driving course. These classes, which are available both online and in person, could get you a point reduction on your license as well.
  • Ask your agent for more discounts. From having a high schooler with excellent grades to paying your premiums a year in advance, you never know how you can save with an insurer. That’s why it’s best to ask your agent directly for insurance discounts.
  • Drop down to minimum coverage. If all else fails, the cheapest option in terms of coverage is the minimum Florida requires, which totals only $20,000 in liability. But keep in mind that you’ll be on your own financially if you cause more than $10,000 of property damage or injuries to yourself.

Is Minimum Coverage Enough?

Florida’s minimum coverage is not nearly enough to protect you financially. If you cause more than $10,000 of property damage or medical payments in an accident, you’ll have to pay out of pocket for any amount over $10,000. Since Florida is a no-fault state, if you cause an accident, you’ll be responsible for all of the property damage as well as any resulting medical costs, lost wages, and child care costs.

We recommend buying more liability coverage — up to $500,000 if you have a high net worth. We also recommend adding some supplemental coverages.

  • Bodily injury coverage: Florida is one of only four states (along with New Jersey, Virginia, and New Hampshire) that doesn’t require bodily injury coverage. Bodily injury coverage pays for the other party’s injuries in accidents you cause. Although personal injury protection (PIP) covers each party regardless of fault, if the other party has inadequate coverage for their losses, they could sue you for the remainder. Together with property damage coverage, bodily injury makes up liability coverage, the basis of most insurance policies.


The threshold for a civil suit in Florida is permanent injury or significant/permanent scarring or disfigurement. There is no monetary threshold.

  • Collision coverage: Property damage includes vehicles and other property, but it only applies to the other party’s damages, not your own. For your damages from an at-fault collision, get collision coverage. The limit should match your car’s actual market value (AMV), which is what you paid for the vehicle originally minus depreciation.
  • Comprehensive coverage: This covers your damages from events other than collisions, including auto theft, car vandalism, and bad weather like hurricanes. As with collision coverage, your comprehensive limit should be your car’s AMV.
  • Uninsured motorist coverage: Florida ranks No. 6 in the U.S. for the highest rates of uninsured motorists (people driving without insurance), with 1 in 5 of its drivers lacking insurance — more than 3 million people1. If someone without insurance hits you, they may not be able to reimburse you for your property damage out of pocket. However, if you have uninsured motorist coverage, your insurance company will cover your damages. Your limit should match your liability limit.

Alternative Car Insurance Options


It’s possible to insure yourself in Florida, but most people won’t be able to swing it financially. Here’s the unencumbered net worth you’ll need to qualify:

  • At least $40,000 for the first vehicle
  • At least $20,000 for the second vehicle onward2

Florida Automobile Joint Underwriting Association

Many insurers don’t want to cover high-risk drivers, such as those who have a DUI conviction and have to file an FR-44, a certificate that proves you have more liability coverage than the minimum ($100,000/$300,000, to be exact).

If you can’t find coverage, the state can connect you to a provider that will cover you under the Florida Automobile Joint Underwriting Association (FAJUA). In fact, every licensed insurer in the state is part of this association. Find a provider at or ask questions about the program at


The FAJUA program is also known as the “High-Risk Market” and “Market of Last Resort.”

Florida Highway Safety and Motor Vehicles Contact Information

  • In-person locations:
  • Phone number: 850-617-2000 (Monday through Friday, 8 a.m. to 5 p.m.)

You will need your driver’s license number, Social Security number, and car title or VIN when speaking to the department.


While affordable car insurance may not be Florida’s strong suit, you can find something within your budget if you shop the entire market. Learn more about auto insurance in Florida in general, from its no-fault system to its total loss threshold, or read the frequently asked questions below to learn more about ways to save specifically.

Frequently Asked Questions

How much is car insurance per month in Florida?

Car insurance in Florida is an average of $114 per month, according to the latest 2020 data from the National Association of Insurance Commissioners. That breaks down to $81 for liability coverage, $27 for collision coverage, and $13 for comprehensive insurance.

What ZIP code in Florida has the cheapest car insurance?

The ZIP code in Florida with the cheapest car insurance is 32612 in Gainesville. The average annual rate there is $1,658, while the lowest rate available is $862.

Does Florida require stacked insurance?

Florida does not require stacked insurance, which applies to uninsured motorist coverage. However, you can stack coverage if you have uninsured motorist coverage on multiple vehicles, getting a higher limit by multiplying the limit per car by the number of cars.

What happens if someone hits your parked car in Florida?

If someone hits your parked car in Florida, you could be reimbursed for your injuries and property damages if you have uninsured motorist coverage, according to the Florida Department of Highway Safety and Motor Vehicles. Uninsured motorist coverage includes hit-and-runs. However, uninsured motorist coverage isn’t required in Florida, so if you didn’t add it on, you’d have to pay for your losses out of pocket.


  1. One in Eight Drivers Uninsured. Insurance Research Council. (2021, Mar).

  2. The 2021 Florida Statutes. Online Sunshine. (2022).

  3. CLAIMS. Fajua. (2022).