Florida car insurance
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βResults will vary and some may not see savings. Average savings of $828 per year for customers who switched and saved with Experian from Jan. 1, 2022 to Mar. 31, 2024. Savings based on customers’ self-reported prior premium. Experian offers insurance from a network of top-rated insurance companies through its licensed subsidiary, Gabi Personal Insurance Agency, Inc.
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Florida car insurance quotes
Car insurance in Florida costs $2,420 per year on average, which is 5% more than the national average. In 2024, the average cost of minimum coverage in Florida was $1,787 and the cost of full coverage was $2,739.
| City | Average cost of car insurance per month |
|---|---|
| Jacksonville | $203 |
| Miami | $261 |
| Orlando | $225 |
| Fort Lauderdale | $242 |
| Tampa | $247 |
| St. Petersburg | $218 |
| West Palm Beach | $192 |
| Pompano Beach | $281 |
| Hollywood | $219 |
| Kissimmee | $224 |
Florida car insurance requirements
Here’s a look at the minimum coverage amounts required by law in Florida.
| Coverage | Minimum amount required by Florida |
|---|---|
| Personal injury protection | $10,000 |
| Property damage coverage | $10,000 |
While the minimum coverage amounts above satisfy Florida’s requirements, it’s typically a good idea to carry additional protection to make sure you’re adequately covered in an accident. Consider adding more coverage, including collision and comprehensive coverage, and increasing your policy limits.
How to save money on car insurance in Florida
To save money and find the cheapest car insurance in Florida, you can compare quotes, bundle your policies, increase your deductible and take advantage of discounts you may qualify for. Start by reviewing the most affordable insurance companies where you live.
| Insurer | Full coverage (average cost per month) | Average savings per month (compared to state average) |
|---|---|---|
| Mercury | $126 | 15% savings |
| Root | $158 | 6% more |
| GEICO | $162 | 9% more |
| Progressive | $173 | 16% more |
| National General | $178 | 20% more |
| Insurer | Minimum coverage (average cost per month) | Average savings per month (compared to state average) |
|---|---|---|
| GEICO | $209 | 8% savings |
| Mercury | $243 | 6% more |
| Progressive | $251 | 10% more |
| Root | $256 | 12% more |
| National General | $329 | 44% more |
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Car insurance by state
Compare auto insurance by state and see state averages, including top cities and providers.