Florida car insurance
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Florida car insurance quotes
Car insurance in Florida costs $2,636 per year on average, which is 14% more than the national average. In October 2025, the average cost of minimum coverage in Florida was $1,799 and the cost of full coverage was $2,734.
| City | Average cost of car insurance per month |
|---|---|
| Jacksonville | $206 |
| Orlando | $208 |
| Miami | $247 |
| Fort Lauderdale | $226 |
| Tampa | $224 |
| Saint Petersburg | $202 |
| West Palm Beach | $207 |
| Pompano Beach | $253 |
| Kissimmee | $222 |
| Hollywood | $222 |
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 per person |
| Property damage coverage | $10,000 per accident |
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) |
|---|---|---|
| Travelers | $185 | 19% savings |
| GEICO | $198 | 13% savings |
| Root | $226 | 1% savings |
| Mercury | $248 | 9% more |
| Progressive | $250 | 10% more |
| Bristol West | $272 | 20% more |
| Gainsco | $326 | 43% more |
| Kemper Auto | $341 | 50% more |
| Assurance America | $403 | 77% more |
| Dairyland Insurance | $556 | 144% more |
| Insurer | Minimum coverage (average cost per month) | Average savings per month (compared to state average) |
|---|---|---|
| Root | $109 | 27% savings |
| Mercury | $136 | 10% savings |
| GEICO | $139 | 7% savings |
| Bristol West | $155 | 3% more |
| Gainsco | $164 | 9% more |
| Progressive | $166 | 11% more |
| Kemper Auto | $206 | 37% more |
| Dairyland Insurance | $231 | 54% more |
| Assurance America | $234 | 56% more |
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Car insurance by state
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Frequently asked questions
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