Florida Auto Insurance: Compare Quotes & Coverage

Discover affordable auto insurance options in Florida. Compare and save in minutes.

Get My Free Quote

Minimum Coverage Requirements in Florida

  • Personal Injury Protection (PIP): $10,000
  • Property Damage Liability (PDL): $10,000
  • No-Fault State: Yes

Florida requires all drivers to carry at least $10,000 in PIP and $10,000 in PDL. Bodily injury liability is optional but recommended.

Average Car Insurance Rates in Florida

State Average:

$2,440/year

National Average:

$1,682/year

Miami Average:

$2,930/year

Orlando Average:

$2,300/year

How to Save on Florida Car Insurance

  • Bundle with renters or home insurance
  • Keep a clean driving record
  • Ask about low-mileage discounts
  • Improve your credit score
  • Use usage-based insurance (UBI)

Ready to compare quotes? Click below:

Get My Free Quote

Compare Providers in Florida

GEICO

Low rates for safe drivers

Progressive

Snapshot discounts available

State Farm

Strong presence in Florida

Liberty Mutual

Accident forgiveness options

Florida Auto Insurance FAQ

Is Florida a no-fault state?

Yes. Your PIP coverage pays for your injuries regardless of fault.

Do I need bodily injury liability coverage?

It's optional but highly recommended, especially in serious accidents.

Can I get cheap car insurance in Florida?

Yes. Compare offers to find the lowest rate based on your profile.