Florida Car Insurance FAQ - Quick Answers

In Florida, the average annual car insurance premium is $1,742, coming in much more expensive than the national figure of $1,311 per year. To help find competitive rates in Florida, get quotes through a trusted adviser for free.

Florida car insurance will have required and optional coverages. Some of the standard limits of protection are:

  • Bodily injury liability: Pays for medical expenses of others.
  • Property damage liability: Pays for property damage of others.
  • Personal injury protection: Pays for your medical expenses.
  • Uninsured/underinsured motorist: Pays for an accident involving an uninsured/underinsured motorist.

Florida is unique in that it does not require bodily injury liability coverage like most other states. However, it does mandate property damage liability at a minimum of $10,000. You're also required to carry personal injury protection of $10,000, which helps pay for medical expenses when you become injured in an accident. 

Even though certain amounts of coverage are required in order to use the roadways in Florida, not everyone follows the rules. Currently, Florida has 26.7% of its drivers uninsured. That leaves you open to a huge risk. Uninsured motorist coverage can help pay for damage or injury if you're involved in an accident with an uninsured driver.

In Florida, you're required to carry the following coverages in order to drive in the state:

  • $10,000 in property damage liability 
  • $10,000 in personal injury protection 

The cost of Florida auto insurance is calculated based on several rating factors. The top reasons your Florida car insurance premiums may be more expensive could be due to the coverage selected, location, past claims, crime rates, credit score, and losses reported in the area.

Do You Know What Your Florida Car Insurance Covers?

Find the Best Car Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

CityCommute time (min)Annual insurance cost
Altamonte Springs26.5$1,482
Aventura32.9$2,178
Boca Raton21.5$3,240
Bonita Springs22.8$1,836
Bradenton26.7$1,614
Cape Coral28.3$1,638
Clearwater24.1$2,052
Clermont33.0$1,650
Coconut Creek28.3$2,898
Fort Lauderdale27.0$2,376
Gainesville19.1$1,488
Jacksonville25.2$1,926
Melbourne21.9$1,854
Miami29.3$3,762
Naples19.6$1,842
Orlando26.1$1,734
St. Petersburg23.7$2,196
Tallahassee18.7$1,566
Tampa24.6$3,528