Florida Car Insurance

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Florida Coverage Requirement

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– Florida Minimum Coverage

In Florida, you need a minimum of $10,000 personal injury protection (PIP) and $10,000 property damage liability (PDL) with a valid license plate.

– Coverage Considerations

Basic coverage is the minimum liability coverage that’s required in Florida. Full coverage usually includes collision or comprehensive coverage, but no state requires either.

You should cover your vehicle with collision and comprehensive if your car is less than 10 years old. If your car is older you only buy collision.

You should also consider value with an older vehicle. If it is more than 10 years old but held its value, you may consider collision and comprehensive coverage to prevent the higher costs to replace the vehicle.

See the table below for more information:



If you haven’t compared your policy with current coverages and rates, now is the time. Compare three to four policies today.

Driving Data – State Ranking Compilation


Every year our team conducts several large studies that examine all facets of driver safety, habits, and fatalities. The rankings below are where Florida landed in our studies. Please click here for more details on each studies.

#2 – Deadliest Sidewalks

#10 – Safest Highways by State

#49 – Most Dangerous States for Drunk Driving

#24 (tied) – Is your state a travel doer or dreamer?

#23 – Worst Drivers By State

Florida Laws

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– Penalties for Driving Without Insurance

Florida drivers can provide electronic proof of insurance like a digital auto insurance ID cards.

If you are denied car insurance, see if the Florida Automobile Joint Underwriting Association can help you.

This state does not fine you for driving uninsured, but here’s how you will get penalized:



– DUI Laws

According to the Florida Department of Highway Safety and Motor Vehicles, “DUI counts as one offense, proved by alcohol impairment or blood/breath alcohol level of .08 or above.”



Note: An SR-22 may be required when seeking to get your license reinstated after a DUI conviction.

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– Texting Laws

Florida laws do not allow texting while driving. If caught texting and driving, driver will be cited as “noncriminal traffic infraction, punishable as a nonmoving violation.”

– Car Seat Laws

  • Florida implements the primary car seat law, which means a police officer can stop cars based only on child safety seat or seat belt violations.
  • Your child must be under three years old to use a rear-facing or forward-facing car seat.
  • Your child must be under six years old to use a booster seat.
  • Your child must be at least six years old to use a seat belt.
  • You are charged a $30 fine if you break a seat belt law.
  • You are charged a $60 fine and receive three points on your driving record if you break a car seat law.

– Other Considerations

First, DUI offenders in Florida must increase coverage limits (300/100/50) and provide proof in the form of a Florida Uniform Financial Responsibility Certificate (FR-44) form. This increased coverage must be active for three years.

Second, Florida is a destination for many older American seeking refuge from the colder northern states. Some make Florida their permanent residents and some are snow birds. Florida residents over 80 years old must renew their license with eye exam every six years.

Confidential reports can be made by anyone to provide details on a driver that may be a safety concern. Florida’s Medical Reporting Form can be found here. On the flip side, Florida offers drivers 55-years-old and up a 10 percent discount. See here for a list of Florida’s approved mature driving courses.

Third, Florida offers full coverage for cracked windshield. This coverage means you don’t have to pay your deductible if your windshield is cracked. This law encourages residents to take care of their windshield promptly preventing escalating issues.

Cheap Florida Insurance

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– Average Rates

  • Family with Young Drivers – Minimum Coverages $2,422 and All Coverages $7,944
  • Senior Married Couple – Minimum Coverage $453 and All Coverages $1,494
  • Single Female – Minimum Coverage $1,005 and All Coverages $2,933

– Top 5 Counties with the Highest Average Rates

  1. Miami-Dade $6,855
  2. Palm Beach $6,268
  3. Broward $5,919
  4. Hillsborough $5,858
  5. Pinellas $5,269

Miami-Dade has the highest average rate, but if you’re a senior married couple, your combined minimum coverage — personal injury protection (PIP) and property damage (PD) — will still be much cheaper ($873) than the same coverage for a single female ($2,023).

In Pinellas, a senior married couple will pay a little less than in Miami-Dade for their combined PIP and PD ($643), but the difference between the two counties is even greater for a single female ($1,457).

– Top 5 Counties with the Lowest Average Rates

  1. Jefferson  $3,597
  2. Gilchrist  $3,597
  3. Gadsden  $3,591
  4. Levy  $3,581
  5. Franklin $3,569

Jefferson and Gilchrist may tie for overall average rates, but a family of young drivers in Jefferson ($6,935pays $12 less for all car insurance coverages than a young driver family in Gilchrist ($6,947).

And although Franklin has the lowest average rates, a family of young drivers there actually pays more for all coverages ($6,900) than a young driver family in Levy ($6,846).

– Top 5 Cheapest Auto Insurance Providers (average rates)

  1. USAA General Indemnity Company – $2,643.24
  2. USAA Casualty Insurance Company  $2,545.26
  3. United Services Automobile Association  $2,280.85
  4. Florida Farm Bureau General Insurance Company  $2,147.75
  5. GEICO General Insurance Company/Government Employees Insurance Company $2,021.41

A senior married couple pays just $2.57 less on their combined minimum coverage (PIP and PD) with Florida Farm Bureau General Insurance Company than with GEICO.

A family with young drivers actually pays more for all car insurance coverages with GEICO ($3,669.39) than they do with Florida Farm Bureau General Insurance Company ($3,495.70), whose rates average higher.

– Top 5 Most Expensive Auto Insurance Providers (average rates)

  1. Infinity Indemnity Insurance Company  $13,776.84
  2. Infinity Auto Insurance Company  $10,139.16
  3. Ocean Harbor Casualty Insurance Company  $6,714.52
  4. United Automobile Insurance Company  $5,683.44
  5. Allstate Property & Casualty Insurance Company  $5,370.00

There is a $3,637.68 difference in average price for all car insurance coverages between Infinity Indemnity Insurance Company and Infinity Auto Insurance Company.

There’s also a huge drop in average price for all coverages ($3,424.64 difference) between Infinity Auto Insurance Company and Ocean Harbor Casualty Insurance Company.

Perhaps you should avoid the top two Florida car insurance providers!

– What affects car insurance rates?

When it comes to car insurance rates, there are some things you can’t control like your age. If you don’t fall between the ages of 25 and 65, you could pay more for car insurance because those who are younger or older are higher risk as a group.

However, other factors that impact your insurance are:

  • Gender
  • Age
  • Driving record
  • Address
  • Occupation
  • Credit score
  • Make and model of car
  • Personal/Business
  • Time Used/Mileage

– Comparison Shopping

Comparison shopping is the best way to get the right car insurance price and policy for you. Don’t settle for just anything: Compare three to four policies so you can get an accurate picture of what’s available.

Once you get car insurance, review your policy every six months to ensure your rates haven’t gone up and you still have the coverage you need.

And never decide on price alone. Research the financial health of the insurer before you make a decision.

Use the following trusted independent rating agencies:

Also, check consumer ratings through the following:

Don’t wait a minute longer to start comparison shopping. Find the best coverage and rates in Florida by entering your zip code into our quote box below!

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