Auto insurance in Florida averages $3,183/year per year, but rates vary widely by city and driving record. Compare free quotes from top insurers serving Miami, Orlando, Tampa and all of Florida β no personal info required to browse.
| Insurer | Avg. Annual Rate | Best For | AM Best Rating | Available in FL |
|---|---|---|---|---|
| π GEICO Lowest Rates | ~$1,200/yr | Budget drivers | A++ | β Yes |
| State Farm | ~$1,480/yr | Good drivers | A++ | β Yes |
| β Progressive High-Risk Drivers | ~$1,610/yr | SR-22 / DUI | A+ | β Yes |
| Allstate | ~$1,900/yr | Full coverage | A+ | β Yes |
| USAA | ~$1,100/yr | Military families | A++ | β Yes |
| Travelers | ~$1,350/yr | Multi-policy | A++ | β Yes |
We analyze APR, fees, loan amounts, and availability specifically for Florida residents. All comparisons are updated monthly.
Browsing and comparing options on TrueRateGuide does not impact your credit score. We use soft pulls only during pre-qualification.
Our comparison service is always free for Florida consumers. We earn referral fees from providers β you pay nothing.
Our Florida data is refreshed every month to reflect current rates, offers, and lender availability in your state.
Florida is one of a handful of true no-fault states, regulated by the Florida Office of Insurance Regulation (OIR). The minimum required coverage is $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL); bodily injury liability is not required by statute but is strongly recommended. A DUI conviction triggers a three-year SR-22 filing, while more severe offenses force an FR-44 filing with higher 100/300/50 limits. OIR can impose hurricane claim moratoriums that temporarily pause cancellations during named storms.
Florida has the highest average auto premiums in the country. The primary rate drivers are hurricane exposure along the coasts, extensive litigation, and an uninsured driver rate near 20%, which forces carriers to price in additional UM risk. Urban density in Miami, Tampa, and Orlando, along with high vehicle-repair costs after flood events, further amplify premiums. Drivers can offset costs by carrying UM/UIM, parking in covered structures, and comparing quotes during OIR-approved rate filing windows.
The average cost of auto insurance in Florida is $3,183/year. Rates vary based on your city, driving record, vehicle, and coverage level. Urban areas like Miami tend to have higher rates.
Florida is a no-fault state regulated by the Florida Office of Insurance Regulation (OIR). The statutory minimum is $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). Bodily injury liability is not required by law, although most drivers purchase it. A DUI conviction requires an SR-22 filing for three years, and more serious offenses trigger FR-44, which demands 100/300/50 limits.
In Florida, you can lower your auto insurance rate by bundling with home insurance (saves 10 to 25%), maintaining a clean driving record, raising your deductible, and comparing quotes from multiple insurers annually.
Yes, Florida is a no-fault state. Every driver must carry $10,000 in Personal Injury Protection (PIP) that pays regardless of who caused the crash, plus $10,000 in Property Damage Liability (PDL). Lawsuits for pain and suffering are allowed only when injuries meet the statutory serious-injury threshold.
Florida requires $10,000 in PIP and $10,000 in PDL. Bodily injury liability is not mandatory under state law, though most drivers add it. Premiums are the highest in the US due to heavy hurricane exposure, high litigation volume, and roughly 20% of drivers being uninsured. During named storms, OIR can issue hurricane claim moratoriums that briefly pause policy cancellations and non-renewals.