Florida Car Insurance

Find the Best Car Insurance Quotes and Options in Florida

The average cost of car insurance in Florida is $1,742 per year. That makes car insurance costs in Florida significantly higher than the national average of $1,311 per year. But everyone’s car insurance rates will be different, based on where they live and their personal characteristics. 

What’s more, it’s important to purchase sufficient coverage so that if you have to file a claim, your policy will cover it. While this can cost more, it can make a huge difference when you need it most. 

An independent insurance agent can help you find the right car insurance for your needs and budget. Here, we’ll explain some important facts about car insurance in Florida.

Best Car Insurance Companies in Florida

You can purchase car insurance in Florida from numerous insurance companies. Where should you even start? We’ve done some of the hard work for you and selected some of the best car insurance companies in Florida to help you get started. Perhaps one of these top carriers will be the best for your needs. 

• Best Florida Car Insurance Company Overall: USAA
• Best Florida Car Insurance Company for Minimum Liability: Travelers
• Best Florida Car Insurance Company for Full Coverage: Travelers
• Best Florida Car Insurance Company for Young Drivers: Travelers
• Best Florida Car Insurance Company for Accident History: Travelers

An independent insurance agent in Florida can help you determine if any of these companies have the right car insurance policy for your needs and budget.

Best Florida Car Insurance Company Overall: USAA

Our pick for the best overall car insurance company in Florida is USAA. The carrier ranks high for claims satisfaction, ease of interaction, customer service, trust, and other important factors. 

USAA was founded in 1922 by 25 Army officers who decided to insure each other's vehicles. Over time, the organization grew to serve millions in the military community, offering a variety of personal insurance products as well as other financial products and services. 

USAA’s net worth has surpassed $40 billion. The carrier has more than 13 million members and 37,000 employees. USAA consistently receives high marks for financial stability, including an "A++" rating from AM Best, the highest available.

Unfortunately, not everyone can take advantage of USAA’s superior performance. Only active duty and retired military members and select family members are eligible for USAA membership and insurance coverage. 

Best Florida Car Insurance Company for Minimum Liability: Travelers

If you’re looking for minimum liability coverage, Travelers is a top choice for Florida residents. In Florida, the average cost for a minimum coverage policy is $63 per month, or $754 per year. Travelers offers minimum coverage policies in Florida at an average of $49 per month, or $592 per year. 

Travelers was founded in 1853, making it one of the oldest insurance companies in the US. It is a leader in both personal and business insurance with about 30,000 employees. The company works with a network of 13,500 independent insurance agents and brokers across the United States, Canada, and the United Kingdom. 

Travelers generated approximately $35 billion in revenues in 2021. The carrier was awarded an "A++" rating from AM Best, reflecting its superior position as a financially stable and reliable company.

Best Florida Car Insurance Company for Full Coverage: Travelers

The best car insurance company in Florida for full coverage is Travelers. The insurance company offers affordable full-coverage policies with premiums starting at just $164 per month. In addition to cheaper-than-average prices, Travelers offers a wide range of discounts and policy extras that make it a great option for drivers looking for full coverage auto insurance in Florida. 

Best Florida Car Insurance Company for Young Drivers: Travelers

Drivers between the ages of 16 and 25 typically pay very high car insurance rates because of the extra risk presented by their inexperience behind the wheel. While insuring a teen driver is never cheap, Travelers is one of the best insurance companies for teen drivers in Florida.

Car insurance for young drivers in Florida can cost around $514 per month with Travelers. The company also offers several discounts for young drivers, including a good student discount and a student away at school discount, as well as a driver training discount upon completion of a safe driver education course. 

Best Florida Car Insurance Company for Accident History: Travelers

Your driving record is one of the most important factors in what you pay for car insurance in Florida. All insurance companies want to know if you’ve been at fault for an accident in the past in order to determine how risky you might be to cover.

In these cases, Travelers again earns a spot on our list of top picks. Travelers is one of the best Florida car insurance companies for drivers with an accident history. The company is highly rated for its claims response and for offering affordable policies for drivers with bad records. If you’ve had an at-fault accident, you can get a car insurance policy in Florida for about $218 per month. 

Travelers also offers perks like accident forgiveness, along with optional coverage like roadside assistance coverage, new car replacement coverage, and rental car reimbursement coverage.

Florida Car Insurance Requirements

Drivers in Florida must purchase a car insurance policy that meets the state's minimum coverage requirements. The only two required forms of car insurance in Florida are:

• Personal injury protection (PIP): Pays for your own medical bills after a crash. It covers 80% of all reasonable and necessary medical expenses up to $10,000, regardless of fault. 
• Property damage liability coverage: Covers damage you cause to other people's property. Pays for any damage that you cause to the property of others (e.g., another driver’s car) and for your legal defense if you are sued. In Florida, you must have this coverage in the amount of at least $10,000. 

Most states require bodily injury liability coverage as well, but Florida does not. Regardless, bodily injury liability coverage is recommended for drivers in Florida. 

• Bodily injury liability coverage: Protects you if you injure or kill someone else while driving your car. It covers an injured party's claims for damages, including medical expenses, lost wages, and pain and suffering. It also covers your legal defense fees if another party involved in the accident sues you.

Optional car insurance coverages in Florida include:

• Uninsured motorist coverage: Protects you if you are hit by a hit-and-run driver or a driver who does not have auto liability coverage. It takes the place of liability insurance that the other driver should have but does not.
• Underinsured motorist coverage: Protects you if another motorist is at fault for a collision but does not have enough insurance to cover your losses.
• Collision coverage: Covers the cost to repair or replace your vehicle if it is damaged or totaled in a collision, regardless of fault.
• Comprehensive coverage: Covers the cost to repair or replace your vehicle if it is damaged or totaled by a non-collision event such as a hailstorm or theft.
• Roadside assistance coverage: Pays for help if you are locked out of your vehicle, run out of gas, or face some other type of problem while out on the road. Your insurance company will help you contact tow trucks, locksmiths, or other forms of assistance as needed, and will reimburse you for the costs of these services up to certain limits.
• Rental reimbursement coverage: Provides payment for a rental car if your vehicle is damaged and you must rent a vehicle while it is being repaired.
• Loan/lease or gap coverage: Pays the difference between what you owe on a vehicle and its cash value if it is totaled.

An independent insurance agent in Florida will help you find a car insurance policy that includes the coverage you need.

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Average Cost of Car Insurance in Florida

The average cost of car insurance in Florida is $1,742 per year, which is less than the national average of $1,311 per year. Everyone’s car insurance costs are a little different depending on their personal risk factors (e.g., age, gender, accident history, etc.) and the types and amounts of coverage they select. You can find ways to reduce your car insurance costs in Florida by taking advantage of discounts offered by your insurance carrier.

Average Florida Car Insurance Costs by City

The city you live in is one of the most important factors in what you’ll pay for car insurance in Florida. This is because the city’s crime rate, severe weather frequency, traffic density, and more can all impact how at-risk you and your car are for being in an accident, being stolen, or being subject to some other kind of damage (e.g., hail damage). 

In Florida, we found some of the most expensive car insurance rates in cities like Miami, Tampa, and Boca Raton. You’ll pay around $3,762 per year for car insurance in Miami. But in a city like Altamonte Springs, you’ll pay only $1,482 per year.

Finding Car Insurance Discounts in Florida

One of the best ways to save on car insurance in Florida is to make sure that you take advantage of any car insurance discounts for which you may be eligible. One of the most common discounts is the multi-policy discount, which rewards you with savings if you have more than one policy with the same carrier (e.g., home and auto). Some of the other common auto insurance discounts offered in Florida include the following: 

• Student driver discounts: If you have a student driver in your household, you may be able to take advantage of a good student discount if your child gets a B average or better. Many insurance companies also offer away-at-school discounts for students who won’t be using their parents’ cars while they are away at school.  Your young driver may also be able to receive a discount by participating in an insurance-company-approved or sponsored safe driving course. 
• Safe driver discount: Drivers who maintain a clean driving record over a period of time may be able to receive an ongoing discount from their insurance company. 
• Anti-theft device discount: Some insurance companies offer discounts when your car has certain anti-theft devices installed. 
• Military discount: Active or retired members of the military can often qualify for auto insurance discounts. 
• Paperless billing discount: Many insurance companies offer a discount for policyholders who agree to receive paperless billing statements. 
• Other car insurance discounts: Being a member of a particular group, such as an employment union, may make you eligible for a car insurance discount specifically for members. 

Your Florida independent insurance agent can help you find all of the car insurance discounts that you qualify for. 

How to Find the Best Car Insurance Quote in Florida

Finding the best car insurance quote in Florida requires comparing several insurance companies and making an informed choice. But you don’t have to go it alone. An independent insurance agent in Florida can help you obtain and review quotes from multiple insurance companies and choose the one that offers the best coverage for your needs and budget. An independent agent works for you, free of charge, to help you through the process. 

How to File a Car Insurance Claim in Florida

Filing a car insurance claim in Florida is always going to be a little stressful. But if you know what to do in advance, it can help the process to go more smoothly. If you’re in a car accident, here are some tips for filing your insurance claim: 

• Check for and tend to injuries: Check yourself, your passengers, and anyone else involved in the accident for injuries. Seek immediate medical treatment for anyone who is injured. 
• Call the police: Filing a police report ensures that your accident is on the record and all appropriate information has been collected. That way, your insurance company will have a reliable source for information about the details of your accident. 
• Contact your independent insurance agent: Your Florida independent insurance agent can get the process started by connecting you with your insurance company, or by even filing the claim for you. Your agent can guide you throughout the claims process. 
• Schedule an appointment with an adjuster: Your insurance company is likely to want to evaluate the damage before you seek repairs for your car. That means you’ll probably need to set up an appointment with an adjuster who works for your carrier.
• Get repairs: If necessary, get your vehicle repaired by a reputable auto body shop or a shop recommended by your insurance company. 
• Get a rental vehicle: If you’re without your car for a while as it's being repaired, consider getting a rental vehicle. If you have rental reimbursement coverage, you’ll have some help paying for the cost of your rental car. 

An independent car insurance agent in Florida can help you through the claims process and answer your questions about how best to file your claim. 

How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

City	Commute time (min)	Annual insurance cost
Altamonte Springs	26.5	$1,482
Aventura	32.9	$2,178
Boca Raton	21.5	$3,240
Bonita Springs	22.8	$1,836
Bradenton	26.7	$1,614
Cape Coral	28.3	$1,638
Clearwater	24.1	$2,052
Clermont	33.0	$1,650
Coconut Creek	28.3	$2,898
Fort Lauderdale	27.0	$2,376
Gainesville	19.1	$1,488
Jacksonville	25.2	$1,926
Melbourne	21.9	$1,854
Miami	29.3	$3,762
Naples	19.6	$1,842
Orlando	26.1	$1,734
St. Petersburg	23.7	$2,196
Tallahassee	18.7	$1,566
Tampa	24.6	$3,528

Popular Questions about Florida Car Insurance