Florida Auto Insurance Calculator
Estimate your car insurance premium in Florida. The state average is $2,890/year — ranked #49 out of 50 states. Compare coverage levels and discover ways to save.
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🚗 Estimate Your Florida Car Insurance Premium
Annual Premium
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Estimated total
Monthly Payment
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Per month
vs. State Average
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$2,890/yr avg
Coverage Breakdown
Coverage Comparison
| Coverage Level | Liability | Collision | Comprehensive | Est. Annual |
|---|
📋 Florida Auto Insurance Requirements
Florida uses a No-fault insurance system, requiring Personal Injury Protection (PIP) coverage. This means your own insurance pays for your injuries regardless of who caused the accident.
| Coverage | Minimum Required | Recommended |
|---|---|---|
| Bodily Injury (per person) | $10K | $100K |
| Bodily Injury (per accident) | $20K | $300K |
| Property Damage | $10K | $100K |
| Personal Injury Protection (PIP) | Required | $10K+ |
| Collision | Not required | Yes (financed vehicles) |
| Comprehensive | Not required | Yes (financed vehicles) |
| Uninsured Motorist | Strongly recommended | $100K/$300K |
Florida's uninsured motorist rate is 20.4% — well above the national average of 12.6%. Uninsured motorist coverage is strongly recommended.
💰 How to Save on Florida Auto Insurance
- Bundle policies — Combine home and auto for 15-25% discount
- Raise your deductible — Going from $500 to $1,000 can save 15-20%
- Good driver discounts — Florida insurers reward clean driving records with up to 25% off
- Good student discount — Students with a B average or higher save 10-15%
- Low mileage discount — Drive under 7,500 miles/year for potential 5-15% savings
- Pay annually — Avoid monthly payment fees, saving $50-100/year
- Improve credit score — Better credit can reduce premiums by 20-40% in Florida
- Shop around — Compare at least 3-5 quotes. Rates vary significantly between insurers
📊 Florida Auto Insurance Facts
State Average Premium
$2,890
per year
Uninsured Drivers
20.4%
of motorists
Insurance System
No-fault
PIP required
❓ Florida Auto Insurance FAQ
What is the minimum auto insurance required in Florida?
Florida requires minimum liability coverage of 10/20/10 (bodily injury per person/per accident/property damage in thousands). Personal Injury Protection (PIP) is also required. However, these minimums are often insufficient for serious accidents — most experts recommend at least 100/300/100.
How much does car insurance cost in Florida?
The average car insurance premium in Florida is approximately $2,890 per year ($241/month). Your actual rate depends on your age, driving record, vehicle, credit score, coverage level, and location within the state.
Is Florida a no-fault or at-fault state?
Florida is a no-fault insurance state. After an accident, your own insurance company pays for your medical expenses regardless of who caused the crash.
What is the uninsured motorist rate in Florida?
Approximately 20.4% of drivers in Florida are uninsured. This is significantly above the national average of 12.6%, making uninsured motorist coverage highly recommended.
Does Florida require full coverage?
No, Florida only requires liability insurance. However, if you have a car loan or lease, your lender will almost certainly require collision and comprehensive coverage ("full coverage"). Even if you own your car outright, full coverage is recommended for vehicles worth more than $5,000.
How can I get the cheapest car insurance in Florida?
To get the cheapest rates in Florida: compare quotes from at least 5 insurers, maintain a clean driving record, raise your deductible, bundle home and auto policies, ask about all available discounts (good student, low mileage, safe driver), and improve your credit score.