The Best Car Insurance Quotes in Florida

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Here's what you need to know...
  • Florida requires PIP and property damage liability insurance
  • Research insurance companies online to compare rates
  • Shop around to discover who has the best policy for your needs
  • Always ensure that your driver profile is up-to-date with your current insurance provider


Car insurance is a major expense for many drivers. Unfortunately, the state of Florida has an average car insurance premium cost that is over $100 more than the national average. Finding affordable car insurance in Florida can be tough.

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It can really pay off to spend a little time and research getting car insurance quotes in Florida. With a bit of effort and the three simple steps below, you should be able to ensure that you get the best possible value for your needs.

About Car Insurance in Florida

Every state has specific information, regulations, and minimum requirements for car insurance coverage, and Florida is no exception. Before you look for car insurance quotes in Florida, it’s a good idea to understand what the requirements are.

The minimum liability coverage level to legally drive in Florida is $10,000 for each type of coverage; $20,000 total, the lowest of all 50 states.

Florida currently requires all drivers to carry both personal injury protection (PIP) insurance and property damage liability insurance. Of course, many drivers choose to carry more coverage than this amount, as it is only a minimum.

For many out-of-state drivers, this is a change from what they are used to. Florida is one of only a handful of states that require personal injury protection insurance in addition to liability insurance.

PIP coverage can pay for doctor’s bills, lost wages and even funeral costs, depending on how much coverage you elect to purchase.

It is wise to plan for this additional expense when you are looking for car insurance quotes in Florida. It is especially important if you do not have health insurance to pay for injuries resulting from a car accident! Medical costs can rise quickly after a serious accident.

The requirements for insurance and minimum coverage are subject to change. New legislation can be passed at any time that would amend the current requirements.

For the most up to date information on Florida auto insurance requirements, visit the Florida Department of Highway Safety and Motor Vehicles’ website so you fully understand how any changes affect you.

Types of Car Insurance That You May Want to Carry

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Florida requires personal injury protection insurance as well as property damage liability insurance, so all drivers must carry these policies. In addition, you will want to decide whether add-ons to your policy are best for you.

Before you start looking for car insurance quotes, it is vital to understand exactly what you are looking for when it comes to coverage types and levels.

This will help you hone in on the right policy, and it will give you the opportunity to compare policies from multiple different insurers on even terms.

Some of the types of policies you may want to consider include:

  • collision
  • comprehensive
  • uninsured/underinsured motorist

In the event of an accident, these policies will help cover not only the damage to other property, but also the damage to your own car.

You will also want to decide exactly what level of coverage to purchase. Be realistic about what an accident could really cost and what you can afford. If necessary, look at purchasing an umbrella liability coverage plan to provide excess coverage.

Finally, think about the amount of deductible that is comfortable for you and your family in the event that you need to file a claim. The deductible you choose will have an affect on your overall premium cost–the higher the deductible, the lower rate you will pay for your premium.

For more information about types and levels of coverage that you may need, consult an independent professional organization such as the Insurance Information Institute (III). You can find more information from the III about determining the right level of coverage for your needs.

Tip #1: Research Companies Online

Before you even start looking for car insurance quotes, you may want to research potential insurers online. This will help you narrow down your choices and avoid making a decision solely based on price.

Remember, quality, value, and customer service are important considerations as well!

There are many online resources that can help you learn more about your car insurance provider options. The best, most impartial information can be found at independent consumer review sites such as A.M. Best and J.D. Power.

When researching car insurance companies online, be wary of sites or reviews that are sponsored by the company in question.

The best information about an auto insurance company’s customer satisfaction can be found through individual reviews and independent agencies.

It is also a good idea to talk to family and friends about their experience with auto insurance providers. You can get a good sense of what it is like to do business with a company through personal experiences.

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Tip #2: Shop for the Best Deals

You should compile a list of insurers in which you are interested. Once you have narrowed down the types of insurance you are seeking, compare that to what these insurers offer.

This will help narrow your list further. From there it is quick and easy to find quotes online.

You can use a car insurance quote comparison site to find multiple quotes from different insurers at once. This is a fast way to get a good idea of where prices line up from different providers.

 Comparison sites also offer differences in data points, so you can negotiate an even better rate with your chosen insurer if necessary.

Using a car insurance quotation comparison site is not the only way to get an auto insurance quote online. You can also go directly to the websites of insurers that you are interested in and request a quote. This has an advantage because you can often live chat with a representative right from the website.

These sites will help you organize and compare your car insurance quotes. You can then look at the price of the policies in conjunction with the information you’ve gathered about the companies to find the fit that is right for you.

Besides price, value, and service level, your decision may be influenced by the type of policies that are offered. For example, if you are looking for a specialized policy (such as one for a commercial use vehicle), you may want to focus on insurance providers that offer this specific service.

Tip #3: Contact Your Chosen Insurer Directly for Specials

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Once you’ve found a great quote online, it can be tempting to purchase right away to seal the deal. However, spending a little extra time looking for additional discounts or promotions could pay off big time.

Consider a live chat or a phone call with an agent to determine if there is anything else you can do to improve the rate given. You may want to ask about special discounts, such as those for safe drivers, good students, or those who drive infrequently.

You can also try to negotiate based on the quotations that you received from other companies. If one of the other quotes is lower, you can give your preferred insurer the opportunity to match or beat it. Remember, it doesn’t hurt to try!

Finally, look into the possibility of bundling to get a better rate on your auto insurance as well as other insurance policies.

If you move your homeowner’s insurance or your life insurance policy to the same company that provides your auto insurance, you may be eligible for a substantial discount.

Of course, you would only want to consider this if you can get comparable or better service, policies, and pricing than you currently have. Otherwise, it may not be worth the hassle to move your other policies.

For even more tips and valuable information, check out this article from the Insurance Information Institute on finding the auto insurance provider that is right for you.

What to Do after You’ve Decided on a Provider

Once you’ve found the right auto insurance provider to fit your needs, the rest is easy!

You should be able to quickly purchase your policy online or over the phone. Before your policy can become active, you will need to make your first payment. This can range from the entire annual premium to a small monthly allotment, depending on the terms and conditions of your policy.

Remember that the insurance market in Florida is always changing, and you should keep on top of the latest developments in order to make sure that your policy and your rates are up-to-date.

Keep your eyes open for special deals and promotions, both from your insurer and from competitors. You can ask your insurer if they will match a competitor’s incentive in order to retain your business.

Most importantly, if anything changes in your driver profile, such as the car you are driving or where you live, notify your insurer immediately, since there could be an impact on your premium.

Finding car insurance in Florida can seem daunting, but it doesn’t have to be an ordeal!

By following these three simple tips and using smart planning and research methods, you can easily find the car insurance quote that is right for your needs and budget. What are you waiting for?

Just enter your zip code right now to get FREE car insurance quotes from multiple companies in your area!

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