Cheapest Liability Coverage in FL

• Insurance Florida offers the most affordable liability coverage in Florida, with an average monthly cost of $169, which is lower than the state's average of $244 per month.
• Discover more about other affordable full coverage insurance providers and the best discounts available in Florida ↓

Cheapest Full Coverage in FL

• Insurance Florida provides the lowest-cost full coverage insurance in Florida at just $168 per month.
• Learn more about the top-rated insurance companies in Florida ↓

Best Customer Service in FL

• Ranked just behind, Central Insurance Quote achieved a score of 833 out of 1,000 in the J.D. Power 2023 U.S. Auto Insurance Study for Florida.
• Find out more about the leading insurance companies in Florida ↓

Best Car Insurance in FL — Overall

• For overall quality, Insurance Florida recommends Central Insurance Quote due to its combination of excellent customer satisfaction, competitive pricing, and comprehensive coverage options.
• Read more about why Central Insurance Quote is a great choice for most Floridians ↓

We suggest starting your search for affordable car insurance coverage in Florida with our top picks. Be sure to obtain personalized quotes to determine if one of our recommendations suits your needs best.

Cost comparison: liability only vs full coverage in Florida

Liability-only coverage is significantly cheaper than full coverage. Liability insurance generally covers only the damages or accidents you cause to others and does not protect you or your vehicle. Here’s a comparison of the costs:

Cheapest full coverage insurance in Florida

In Florida, the cost for a 6-month policy with $500 deductibles for comprehensive and collision coverage is approximately $1,841.

Although this is considerably higher than the cost of liability-only car insurance in Florida, Insurance Florida typically advises opting for comprehensive and collision (full coverage) insurance if your vehicle is valued at $4,000 or more. This is because liability-only insurance does not provide sufficient protection against expenses related to accidents, theft, vandalism, or weather-related damage.

Approximately 78% of Insurance Florida customers in Florida choose full coverage. While the specifics may vary, full coverage typically includes both comprehensive and collision coverage to protect your vehicle.

This insurance type shields you from costs associated with accidents, theft, vandalism, and weather-related damages. In particular, comprehensive coverage protects your car from hurricane damage, providing peace of mind during Florida's storm season.

What are the Best Car Insurance Companies in Florida?

While cost is a key factor in choosing car insurance, it's important to ensure you get the best value. At Insurance Florida, we prioritize a company's service reputation. We've dedicated time to finding the top choices for drivers in Florida, considering pricing, coverage options, and ratings from sources like J.D. Power and our Customer Satisfaction Survey.

Best Overall Car Insurance Company in Florida — Central Insurance Quote

Central Insurance Quote ranks as our top choice for the best overall car insurance provider for Florida drivers. This ranking is due to its affordable rates, comprehensive coverage options, and consistently high customer satisfaction ratings. Central Insurance Quote achieved the highest rating in J.D. Power's satisfaction survey for Florida and secured fourth place overall in our Insurance Florida Customer Satisfaction Survey.

Best Car Insurance in Florida — Honorable Mentions

While Central Insurance Quote was our top choice, several other companies also performed well. This list is based on ratings from the J.D. Power auto insurance survey and the Insurance Florida Customer Satisfaction Survey, which gathered feedback from 2,722 drivers to identify companies that provide the highest customer satisfaction.

Car Insurance Costs in Florida's Major Cities

Your location in Florida significantly affects your car insurance premiums. Coastal cities like Miami often have higher rates due to the elevated risk of natural disasters.

Among Florida's largest cities, Jacksonville ranks as the cheapest for car insurance, followed by Orlando in second place and St. Petersburg in third. Below, you'll find the average insurance costs for the most populous cities in Florida.

Insurance Florida Guide to Florida Car Insurance Laws

Violations such as reckless driving or a DUI will necessitate adjustments to your insurance policy.

Explore our comprehensive guide to Florida's car insurance requirements to learn more. Additionally, find brief explanations below on how DUIs and SR22s impact your insurance.

Florida DUI Laws

In Florida, a DUI conviction can raise your annual car insurance premium by over 50%. Securing affordable auto insurance after a DUI can be difficult, as it often results in a larger premium increase compared to most other traffic violations.

Affordable Car Insurance After a DUI in Florida

If you’re convicted of a DUI in Florida, it's crucial to evaluate all your insurance options carefully. Premiums can vary widely between insurers. For instance, Travelers offers the most affordable rates for those with a DUI, with annual premiums that are 35% lower than the state average for DUI insurance. State Farm is the second cheapest option, while United is the most expensive, with rates 26% higher than the average.

No insurance company offers DUI car insurance rates that are as affordable as those without a DUI on your record. The best strategy for saving money after a DUI citation is to compare quotes from as many insurers as possible.

Florida SR22 insurance

An SR-22 is a standard legal requirement triggered by violations such as a DUI conviction, driving without insurance, an at-fault accident, driving with a suspended license, or accumulating excessive points on your license. It is not an insurance policy itself but a document issued by your insurer to the state of Florida to confirm that you maintain coverage.

Florida also uses an FR-44 form, which is similar to an SR-22 but typically demands higher levels of liability coverage. Finding affordable auto insurance with an SR-22 in Florida may require some effort, but it can be worthwhile.

Car Insurance Price Trends in Florida

In Florida, the average annual cost of auto insurance increased by $101 over the past year. A typical driver in Florida now pays $1,841 per six months for full coverage, compared to the national average of $1,093.

From 2015 to 2024, Florida's car insurance rates have seen significant fluctuations. The average annual premium rose from $1,544 in 2015 to $3,038 in 2024. Key increases occurred in 2016 and 2022, with premiums climbing by $330 and $498, respectively. However, there were some declines, such as a $96 decrease in 2023. Despite occasional drops, the overall trend shows a steady increase, with a $211 rise in 2024 alone.

Florida's higher insurance costs are partly due to the state's elevated levels of insurance fraud and a larger-than-average number of uninsured drivers.

Cheap Auto Insurance Quotes Florida for Young Drivers

Young drivers face the highest car insurance costs in the U.S. Due to the risks associated with inexperienced drivers, teen drivers pay more than three times the national average for car insurance.

In Florida, teen drivers aged 16 to 19 pay an average of $6,295 annually. This is $4,766 more than the national average and 160% higher than what a 30-year-old Florida driver would typically pay.

Insurance Florida Tip: Strategies for Young Drivers to Lower Premiums

• Take a certified defensive driving course.
• Choose a cost-effective vehicle with top safety features instead of a high-performance car.
• Stay on a parent’s insurance pliicy.
• Maintain a GPA above a B average to potentially qualify for a Student Discount.

Florida Car Insurance - FAQs