Guide to Car Insurance for Florida Seniors

Generally, most older adults enjoy lower average rates than younger age groups — given they have a clean driving record — as they have more driving experience. Rates tend to increase slightly around age 70 as driving starts to become more risky again.

In Florida, drivers in their 60s pay the least for car insurance, on average, at $2,945 annually for full coverage. That’s 20 percent cheaper than the state average for drivers in their 30s. The average annual premium for drivers in their 70s is a bit higher at $3,313, but still less than many younger age groups.

If you have a violation on your record or you have poor credit, you can expect to pay more than these averages. However, your rate depends on several factors beyond your age, driving record, and credit history. Always get several quotes to see which provider offers you the best deal.

Florida has long been one of the most expensive car insurance markets in the country, largely due to its no-fault insurance system (only 11 other states use no-fault systems). In no-fault states, each party pays for their own medical expenses following an accident, regardless of fault. This leads to added risks for insurers, as they may have to pay out even if riskier drivers hit their policyholders.

In 2025, the Florida state government voted to reform the no-fault law, paving the way for the state to transition to an at-fault system starting in July 2026¹. The change has already led to premium decreases across the state², so seniors looking for car insurance will likely be able to find better deals.

Florida Minimum Coverage

All Florida drivers are required to carry car insurance with a minimum amount of coverage. Before July 1, 2026, these limits are as follows:

• Property damage liability: $10,000 per accident
• Personal injury protection: $10,000 per person

Personal injury protection, or PIP, is required in no-fault states, as it helps pay for your own medical expenses after an accident. However, Florida’s minimum coverage limits will change as of July 1, 2026 to coincide with the adoption of the new at-fault system.

These are the updated limits:

• Bodily injury liability: $25,000 per person/$50,000 per accident
• Property damage liability: $10,000 per accident

The new minimum liability limits are quite low, so it’s wise to increase your limits to avoid having significant out-of-pocket expenses if you cause an accident.

The following car insurance companies are our top picks for seniors in Florida based on their pricing and customer satisfaction data. However, a different company may be ideal for you based on your budget, coverage needs, and driving record.

In addition to liability coverage, Florida seniors should consider including the following coverage types on their policies:

• Comprehensive and collision coverage: These two coverages, along with liability coverage, are referred to as full coverage. Collision helps pay for repairs to your own vehicle after a collision with another car or object, while comprehensive coverage covers you for non-collision incidents like vandalism or theft. It will also cover damage from weather events. Unless you have an older car with low value, it’s recommended that you get full coverage if your budget allows.
• Uninsured/underinsured motorist coverage: Florida has the seventh-highest rate of uninsured drivers in the country, making this coverage particularly important for drivers in the state⁴. If you’re hit by someone without insurance, or without adequate coverage, this will help cover the gap so you’re not left paying out of pocket or needing to pursue legal action.
• Medical payments: Medical payments coverage is optional, but it can help pay for your medical expenses if you’re in an accident. It’s a good idea to include this on your policy even if you have health insurance. MedPay will be the first coverage to kick in if you have accident-related medical costs, even if the accident is caused by another driver.
• Roadside assistance: If you don’t already have roadside assistance through a service like AAA, consider adding it through your auto insurance provider. If you’re stranded on the side of the road because of a breakdown, flat tire, or other issue, this coverage will pay to have your issue fixed or your car towed, up to a certain limit.

Every car insurer offers a variety of discounts, which are a great way to lower your premium. Here are some of the main discounts that seniors may benefit from in Florida:

• Mature Driver (Senior Citizen) discount: Florida state law requires auto insurers to offer a discount to drivers 55 or older who complete a defensive driving course approved by the Florida Department of Highway Safety and Motor Vehicles⁵. The discount amount varies by company and is valid for three years, barring at-fault accidents or moving violations.
• Low-mileage discounts: Some companies, like State Farm, offer low-mileage discounts for customers who drive less than average, usually under 7,500 miles per year. Retirees who are not commuting daily may be eligible for this type of discount. Other providers, like Nationwide, also have pay-per-mile policies that offer big savings if you don’t drive much.
• Multi-policy and multi-vehicle discounts: Bundling discounts are usually among the best you can get. Seniors who own homes can benefit from significant discounts by purchasing a homeowners and auto policy from the same provider. Renters’ policies can also be bundled, though the discount is usually smaller. You can also save by insuring multiple cars.
• Vehicle safety feature discounts: Cars that are equipped with certain modern safety features, like airbags and restraints, may qualify for a discount.
• Pay in full discounts: Most auto insurers offer a discount to policyholders who pay their premiums up front (usually every six months or annually)

Florida requires drivers to register and insure their car if they operate it in the state for over 90 days per year. For seniors splitting their time between Florida and another state and traveling with their car, the insurance implications can be complicated if they spend longer than 90 days in Florida.

This generally requires switching car registration and insurance as you move between states, which can be a hassle for everyone involved. The best option, if possible, is to leave a car in the state year-round to be able to maintain Florida insurance and registration. Always check with your insurer to ensure you’re adhering to the law and won’t run into issues should you need to file a claim.

For Florida drivers aged 79 and younger, Class E licenses must be renewed every eight years. For those 80 and older, they must be renewed every six years.⁶ Depending on your location, you may be able to renew it online. You can visit the MyDMV Portal to check if you’re eligible.

If you are not eligible to renew online and are 80 or older, you will need to pass a vision test, which can be taken at a Florida driver’s license service center at no additional charge. You can also have a doctor administer a vision test and submit the Mature Driver Vision Test form to the DMV.

If your license is ultimately not renewed, let your insurer know as soon as possible to cancel your policy. Most policies can be cancelled at any time, and in most cases, you will receive a prorated refund.

Finding the right car insurance as a senior in Florida is about balancing cost, coverage, and your evolving driving needs. While it can be appealing to opt for only minimum coverage, take the time to weigh the risks of doing so and consider whether your budget allows for more robust coverage. Regularly reassessing your policy will also ensure you have adequate coverage and can uncover meaningful savings as your needs change.

We analyze average auto insurance premiums in Florida for full coverage for good drivers with good credit, across ages. Full coverage averages use the following limits:

• Bodily injury liability: $100,000 per person/$300,000 per accident
• Property damage liability: $100,000 per accident
• Personal injury protection: $10,000 per person
• Uninsured and underinsured motorist bodily injury: $100,000 per person/$300,000 per accident
• Comprehensive and collision: $500 deductible