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Best Cheap Car Insurance in Florida for 2022

    Best Cheap Car Insurance in Florida for 2022

    How Much Does Florida Car Insurance Cost?

    Our research for our ranking of the Best Car Insurance Companies of 2022 shows that the average cost of auto insurance in Florida is $2,393 per year. This is almost $1,000 more than the $1,442 yearly average for the United States.

    Contact an insurance agent or company for a customised quote based on your demographics, ZIP code, and driving history.

    Cheapest auto insurance in Florida for you

    Geico is the most affordable auto insurance provider in Florida, with an average annual premium of $1,414 per policy. Allstate has the highest rate for the state on the other end of the spectrum. The average annual cost of an auto policy is $3,169.

    Learn more about the additional insurers in our ranking of the cheapest car insurance companies for 2022.

    Florida Rates for Teen Drivers

    As new drivers, 17-year-old females and males pay $7,996 and $8,979 on average per year, respectively, for Florida car insurance. Geico offers the most favorable annual rates in this category at $3,508 for females and $3,875 for males. The most expensive rates for teen drivers in Florida are with Allstate. Females can pay $13,247 per year with the company on average, and males can pay $14,515.

    Direct General$6,803$7,202
    State Farm$3,989$5,057
    Statewide Average$7,996$8,979

    Florida Rates for Young Adults

    Florida’s yearly car insurance rates for unmarried young adults at age 25 are significantly less than the rates for teens, averaging at $2,748 for females and $2,789 for males. An annual auto policy with Geico costs $1,614 and $1,661 for females and males, respectively, on average. With Direct General, the average rate for females is $3,656 per year, and the average for males is $3,837.

    Direct General$3,656$3,837
    State Farm$1,736$1,845
    Statewide Average$2,748$2,789

    Florida Rates for Seniors

    The average rates for married 60-year-old females and males in Florida are $2,069 and $2,087 per year, respectively. Geico is also the cheapest car insurance carrier for this age group. Its average annual rates are $1,273 for females and $1,216 for males. Allstate’s rates for senior drivers are approximately $800 per year more than the state’s averages for females at $2,861 and for males at $2,941.

    Direct General$2,711$2,696
    State Farm$1,446$1,446
    Statewide Average$2,069$1,847

    Florida Rates for Good Drivers

    If you live in Florida and have a clean driving record, then you may find a favorable car insurance rate with Geico. Its average cost of $1,414 per year is almost $1,000 less than Florida’s overall average of $2,393 per year. Allstate is the most expensive insurance company in this category with an average annual rate of $3,169.

    Direct General$3,132
    State Farm$1,606
    Statewide Average$2,393

    Florida Rates After a Speeding Ticket

    Having a speeding ticket on your driving record can affect how much you pay for car insurance. In Florida, you can pay $2,881 on average each year with one speeding ticket. As the cheapest and most expensive insurers, State Farm and Progressive offer average yearly rates of $1,737 and $3,821, respectively.

    Direct General$3,132
    State Farm$1,737
    Statewide Average$2,881

    Florida Rates After an Accident

    After one car accident, Florida’s average car insurance rate jumps to $3,416 per year. However, the average annual cost of a policy with State Farm is approximately $1,500 less at $1,867. In contrast, Allstate’s rate of $4,465 is more than $1,000 higher than the state’s average.

    Direct General$4,114
    State Farm$1,867
    Statewide Average$3,416

    Florida Rates After a DUI

    A DUI conviction can seriously impact your auto insurance rates, increasing Florida’s annual average premium to $3,222. However, average costs can range from $1,737 per year with State Farm to $4,228 per year with Nationwide.

    Direct General$3,285
    State Farm$1,737
    Statewide Average$3,222

    How Much Is High Coverage Car Insurance in Florida?

    For those who want high coverage in Florida, car insurance can cost $2,691 as a yearly average. Geico and Direct General are the cheapest and most expensive insurance companies, respectively, for this type of coverage with an almost $1,000 difference in both directions. Geico’s rate is $1,662 per year, and Direct General’s is $3,544.

    Direct General$3,544
    State Farm$1,783
    Statewide Average$2,691

    How Much Is Minimum Coverage Car Insurance in Florida?

    The average annual rate for minimum coverage car insurance in Florida is $1,875. Geico is the cheapest option with an average rate of $1,051 per year. On the other hand, Allstate is the most expensive option with its rate averaging at $2,493 on a yearly basis.

    Direct General$2,441
    State Farm$1,347
    Statewide Average$1,875

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    Is car insurance required in Florida?

    Yes, car insurance is required in Florida to register a vehicle. Individual residents can either purchase an auto policy through a licensed insurance company or apply for a certificate of self-insurance if they have a minimum net worth of $40,000 with no outstanding debt.

    Which cars are required to be insured in Florida?

    Vehicles with four or more wheels, except school buses and limousines, are required to be insured in Florida to be registered and legally operated. Private passenger vehicles have different insurance requirements than those used as taxis.

    When should I get car insurance in Florida?

    When you purchase a new vehicle or move to Florida, you should get the proper car insurance to drive in the state. Non-residents who work in the state or have children that attend a public school in Florida have 10 days from starting their job or classes to register their vehicle, which requires having insurance beforehand.

    Contact a Florida Highway Safety and Motor Vehicles (FLHSMV) office before buying a new vehicle or moving to ensure you meet the state’s insurance laws.

    How much car insurance do I need in Florida?

    How much car insurance you need in Florida depends on your vehicle’s use and the form of insurance you obtain:

    • If you drive a private passenger vehicle and purchase an auto policy from a standard insurance company, then you must carry at least $10,000 of Personal Injury Protection (PIP) coverage and $10,000 of property damage liability (PDL). 
    • If you have a certificate of self-insurance, then you are automatically provided with $10,000 of coverage for the bodily injury or death of one person, $20,000 of coverage for the bodily injury or death of more than one person, $10,000 of coverage for property damage, and $10,000 of PIP coverage. 

    Additionally, you may be required by a financing company to purchase comprehensive and collision coverage if you have a loan on your vehicle or if you lease it.

    How much is car insurance in my city in Florida?

    Car insurance costs in Florida can depend on which city you live in. When compared to the state’s average annual rate of $2,393, residents in Tallahassee only pay $2,020 per year on average, but those living in Hialeah can pay $3,421. Other cities that pay less than the state average include Cape Coral at $2,101, Port St. Lucie at $2,232, and Jacksonville at $2,349.

    Based on our research, some of Florida’s popular vacation destinations see average car insurance rates that fall in between the state’s average and Hialeah’s at the upper end:

    • $2,426 per year in Orlando
    • $2,680 per year in St. Petersburg
    • $2,929 per year in Fort Lauderdale
    • $3,089 per year in Tampa
    • $3,321 per year in Miami

    What happens if my car is not properly insured in Florida?

    Failing to keep continuous insurance coverage on your car can result in the Florida Highway Safety and Motor Vehicles (FLHSMV) department invoking legal penalties such as:

    • Suspending your driver’s license, registration, and/or license plate for a minimum of three years
    • Charging a reinstatement fee between $150 and $500

    The FLHSMV advises drivers to surrender their license plate prior to canceling their auto insurance policy to avoid these penalties.

    Is Florida a no-fault state?

    Yes, Florida is a no-fault insurance state. Drivers are required to carry Personal Injury Protection (PIP) coverage to cover medical expenses arising from a car accident without regard to fault. In other words, those injured in an accident must go back to their own policies to claim coverage for their medical care. The at-fault driver can be sued but only if the injuries are severe enough as dictated by state law.

    Florida’s no-fault law does not extend to vehicle damage. Therefore, a not-at-fault driver can file a liability claim against the at-fault driver’s policy to pay for their vehicle repairs.

    Do I need uninsured motorist coverage in Florida?

    Agents are required to offer uninsured (or underinsured) motorists coverage in Florida, however, you are not required to carry uninsured (or underinsured) motorist coverage in Florida. If you choose to refuse the coverage, you can do so by signing a waiver. If you decide to purchase this coverage, then you can choose between the following options: stacked or unstacked uninsured motorist (UM) coverage.

    The stacked option extends your UM coverage to your operation of a motorcycle or another vehicle insured elsewhere or owned by someone else. The limit of coverage you select is also combined across the total number of vehicles you insure. For example, if you select a UM limit of $100,000 per person and $300,000 per accident and two vehicles are insured on your policy, then your stacked UM coverage would provide a total of $200,000 per person and $600,000 per accident.

    In comparison, the unstacked option is limited to the amount of coverage explicitly listed on your policy (in using the same example as above, your UM limits would remain at $100,000 per person and $300,000 per accident for both vehicles). The unstacked option only covers the vehicles insured under your policy, and is typically less expensive.

    Reach out to an insurance agent or carrier in Florida to learn more about the stacked and unstacked UM options available to you.

    Is liability insurance required in Florida?

    Yes, Florida drivers are required to carry liability insurance. You’re only required to have $10,000 of property damage liability coverage when registering a private passenger vehicle. Higher liability limits are available and can be beneficial. Discuss your specific situation with an insurance agent or company representative.

    Does Florida accept digital insurance cards?

    Yes, you can provide a digital insurance card in Florida.

    How We Created This Florida Car Insurance Review

    To get comparative insurance rates for this study, U.S. News worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from most of the largest national car insurance companies, though not every company operates in every state. Quadrant obtained publicly available rate data that car insurers file with state regulators.

    Our study rates are based on profiles for both male and female drivers aged 17, 25, 35, and 60. Vehicles used include the 2017 and 2021 Honda Civic, 2017 and 2021 Toyota RAV4, and 2017 and 2021 Ford F-150, with annual mileage ranging from 6,000 and 12,000. Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records, as well as records with one accident, one speeding violation, or one DUI were also used in the calculations of certain driver archetypes.

    To get the study rates shown here, we computed the mean rate for male and female drivers ages 17, 25, 35, and 60 who drive 12,000 miles per year, have medium coverage, good credit, and a clean driving record. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from the rates shown here.

    Please note that the information provided on this website is for general informational purposes only and does not, and is not intended to, constitute legal advice.