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Simply input your ZIP code, and allow us to guide you towards the most beneficial car insurance in your vicinity. We are like detectives of insurance policies, committed to sniffing out the most affordable coverage for you. We diligently compare all available insurers, recommend the optimal deductibles, and tirelessly search for every possible discount. We're here to ensure you get the best deal on your auto insurance!
Car Insurance in Florida
What's the average cost of car insurance in Florida and which company has the cheapest car insurance?
How much does car insurance cost in Florida?
Let's explore the cost of auto insurance in Florida and how it affects your wallet.
Car insurance in Florida is not the most expensive, but rates are still above average compared to other U.S states. Although average rates are around $2,044 in larger cities, the price of car insurance can exceed $3,884 annually, especially for teenage drivers and for those with a bad driving record. Bodily injury (BI) liability coverage, for which the minimum insurance limits are set at $10000, is an insurance cover that helps you pay for medical expenses related to the other driver’s injuries. Property damage (PD) liability coverage pays toward property damage that you cause to others involved in a traffic accident. In Florida, you are required to comply with the minimum PD liability insurance limits of $20000. Keep reading and find out who has the cheapest car insurance quotes in Florida in 2023.
| minimum full coverage premium | average full coverage premium | |
|---|---|---|
| Florida | $1,100 | $2,044 Your Rates? Get Quotes |
| Teen Drivers | $1,100 | $3,679 Your Rates? Get Quotes |
Florida has several laws that apply to car insurance. Here are some of the most important ones:
- Personal Injury Protection (PIP) is required. This coverage pays for medical expenses you and your passengers incurred in a car accident, regardless of who was at fault. The minimum coverage limit for PIP in Florida is $10,000.
- Property Damage Liability (PDL) is required. This coverage pays for damages you or anyone driving your car with your permission caused to another person's property. The minimum coverage limit for PDL in Florida is $10,000.
- Bodily Injury Liability (BIL) is not required, but it is strongly recommended. This coverage pays for damages you or anyone driving your car with your permission caused to another person in an accident for which you are at fault. If you choose to have BIL coverage, you must have a minimum coverage limit of $10,000 per person and $20,000 per accident.
- Uninsured Motorist (UM) coverage is required. This coverage pays for your injuries and damages if you are in an accident caused by a driver who does not have insurance. The minimum coverage limit for UM in Florida is $10,000.
- Underinsured Motorist (UIM) coverage is not required, but it is strongly recommended. This coverage pays for your injuries and damages if you are in an accident caused by a driver who does not have enough insurance to cover your losses. If you choose to have UIM coverage, you must have a minimum coverage limit of $10,000.
It's important to note that these are only the minimum required coverage limits in Florida. You may choose to purchase more coverage to better protect yourself in the event of an accident.
When it comes to car insurance in Florida, there are several options to choose from. Full coverage car insurance typically includes liability coverage, collision coverage, and comprehensive coverage. Depending on the insurer, full coverage car insurance in Florida can cost anywhere from $100 to over $500 a month.
Here are some of the best full coverage car insurance options in Florida:
- State Farm: is a popular choice for car insurance in Florida, offering extensive coverage options and competitive pricing. The average monthly cost of full coverage car insurance from State Farm in Florida is about $210.
- Allstate: is another popular choice for car insurance in Florida. They offer a range of discounts and coverage options, including accident forgiveness and new car replacement. The average monthly cost of full coverage car insurance from Allstate in Florida is about $275.
- GEICO: is known for their affordable prices and excellent customer service. They offer a range of discounts and coverage options, including roadside assistance and rental car coverage. The average monthly cost of full coverage car insurance from GEICO in Florida is about $190.
- Progressive: offers a range of coverage options and discounts, including safe driver discounts and multi-policy discounts. The average monthly cost of full coverage car insurance from Progressive in Florida is about $255.
It's important to note that these are just average prices and the actual cost of your car insurance will vary based on your personal situation, driving record, and the coverage options you choose. It's always a good idea to compare multiple car insurance quotes before making a decision.
Minimum car insurance coverage in Florida starts at $1,100How long does a DUI affect insurance in Florida?
A DUI can have a significant impact on your auto insurance rates in Florida. On average, a DUI conviction can affect your insurance premiums for up to three years. During this time, your rates may remain high, even if you are not convicted of any other offenses.
Tips for Lowering Car Insurance After a DUI in Florida
To minimize the impact of a DUI on your insurance rates in Florida, consider taking the following steps:
- Shop around for car insurance: Different insurers have different policies for dealing with DUI convictions, so it may be worth shopping around for insurance quotes from multiple companies.
- Take a defensive driving course: Some insurance companies may offer discounts to drivers who complete a defensive driving course.
- Drive a car with safety features: Cars with safety features like airbags, anti-lock brakes, and backup cameras may be less expensive to insure.
- Drive less frequently: If you are able to reduce your daily driving distance or frequency, you may be able to lower your premiums.
- Maintain a clean driving record: Avoid additional driving infractions, as your insurance company may impose extra charges.
Cheapest Insurance Companies for DUI Offenders in Florida
Finding the cheapest auto insurance rates after a DUI in Florida can be challenging, as insurers may charge significantly higher premiums to drivers with DUI convictions. However, some companies may be more lenient than others. Some of the cheapest car insurance companies for DUI offenders in Florida include:
- GEICO
- USAA (for military-affiliated individuals)
- Progressive
DUI Offenses in Florida
Florida has strict laws and penalties for driving under the influence. Some of the most common DUI offenses in Florida include:
- Driving with a blood alcohol concentration (BAC) of 0.08 or higher
- Refusing to take a breathalyzer or blood test
- Driving while impaired due to drug use
- Causing serious bodily harm or death while driving under the influence
Other Commonly Punished Traffic Offenses in Florida
In addition to DUI offenses, there are several other traffic violations that are heavily punished in Florida. Some of the most commonly punished traffic offenses in Florida include:
- Speeding
- Reckless driving
- Running red lights or stop signs
- Driving without a valid license or insurance
- Distracted driving
It is important to practice safe and responsible driving habits to avoid these offenses, protect yourself and others on the road, and maintain your insurance rates.
Auto insurance requirements in Florida
What does Florida law mandate when it comes to vehicle coverage?
Bodily injury liability coverage per accident is set at $20,000 in Florida and is therefore among the lowest. However, do not rely on low minimum limits and pay extra for better insurance coverage. In the event of an accident, you will be assured of sufficient financial compensation. Florida has some of the lowest limits for the minimum bodily injury liability coverage per person of $10,000. In most cases, this amount is completely insufficient, so it is an absolute minimum, which you should definitely increase given your financial possibilities. If you caused an accident in Florida (if you're at fault), your property damage liability insurance coverage can cover up to a total of $10,000 for the other party's vehicle repairs.
| Minimum Coverage Type | Coverage Limits in FL |
|---|---|
| Bodily injury liability per person in Florida | $10,000 Get Quotes |
| Bodily injury liability per accident in Florida | $20,000 Get Quotes |
| Property damage liability per accident in Florida | $10,000 Get Quotes |
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The typical annual cost of car insurance in California is approximately $2,044. Nonetheless, prices can vary depending on your location; in particular for smaller cities and towns the average rates might be as low as $1,022 a year! Moreover, you may want to know that basic liability coverage which meets with all minimum requirements set by state law starts at only $1,100 a year - this would mean less than sixty dollars each month. Are you curious about how much money could you save? All it takes is entering either the city or zip code in our website search tool...
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