Commonly Asked Questions about Car Insurance in Florida

Florida drivers pay more for car insurance than drivers in many other places, but independent insurance agents can help you score lower rates than you might pay if you shop on your own.

The average American driver pays $1,311 per year for car insurance. In Florida, drivers pay an average of $1,742 each year. Take time to compare quotes to make sure you get the best deal on auto insurance in your area.

Florida roads can sometimes be dangerous, and accidents are pretty common. If you find yourself in the middle of a major collision, here's a look at how your car insurance can help...

  • Fix Your Car - Not required. We officially call this "comprehensive & collision coverage" and though it is not required by the state, it may be required by your lender.
  • Fix Someone Else’s Car - Required/Min. $10,000.  We officially call this “Property Damage Liability.”
  • Pay Your Medical Bills - Required/Min. $10,000. We officially call this “Personal Injury Protection” Or “Pip.”
  • Pay Someone Else’s Med Bills - Required/Min. $20,000We officially call this “Bodily Injury Liability.

Florida state law requires all drivers to have at least a certain amount of insurance coverage. This is meant to be a protection in case you get into an accident. If you cause the collision, insurance steps in to pay for damage to someone else's vehicle and medical bills. 

No need to worry. The driver who caused the accident is responsible for paying for the damages. However, if the at-fault driver is not insured and cannot pay, you may be on the hook unless you carry uninsured motorist coverage. 

Even though Florida law says all drivers must be insured, it's not foolproof. Sometimes people drive without any insurance. Because of this, you could still face a serious risk if you get into an accident. 

That's why “Uninsured Motorist Coverage” is so important. In Florida, nearly one-fourth of drivers are uninsured, so you face a high risk for getting into an accident with an uninsured driver at fault. If you have uninsured motorist coverage, the policy will pay to fix your car and pay for your medical bills. 

The best insurance company for one person might not be the best choice for another. Independent insurance agents compare coverage and prices from a variety of highly rated insurance companies to find the policy that is best for you.

How does car insurance actually work?

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)Auto thefts / 1,000Annual insurance cost
Altamonte Springs241.8$1,482
Boca Raton171.02$3,240
Bonita Springs20.71.24$1,836
Boyton Beach27.32.26$3,894
Cape Coral26.50.9$1,638
Coconut Creek25.81.21$2,898
Ft. Lauderdale26.13.87$2,376
St. Petersburg22.35.58$2,196

  1. $124
  2. Gainesville, FL Car Insurance average monthly cost
  3. The average monthly cost of car insurance in Gainesville is $124. Your monthly cost could be higher or lower. It all just depends on your age, your gender and your vehicle. The average American driver commutes for around 25 minutes, but in Gainesville, the average commute is much shorter. That's good news because less time on the road means less risk for accidents, bringing down your rates on auto insurance. If you live in a city with a high crime rate, you'll face a higher risk for car theft. The auto theft rate in Gainesville is a little lower than the national average, which might help decrease insurance premiums.

  1. $198
  2. Fort Lauderdale, FL Car Insurance average monthly cost
  3. The average monthly cost of car insurance in Fort Lauderdale is $198. Rates can vary greatly from one driver to the next. Your monthly cost will depend on your car, your age, your driving history, and several other variables. Drivers with longer commutes are more likely to be in accidents. In Fort Lauderdale, commutes are just slightly higher than the national average, which could cause a minimal increase in your insurance rates. Most drivers don't think about the risk for auto theft until it's too late. In Fort Lauderdale, the risk of car theft is concerning, and the higher theft rates could cause Fort Lauderdale car insurance rates to be higher.

  1. $160
  2. Jacksonville, FL Car Insurance average monthly cost
  3. The average monthly cost of car insurance in Jacksonville is $160. Every driver pays a customized rate for car insurance. Your monthly cost will be based on the kind of car you drive, your age and your driving history, along with a handful of other factors. When you spend more time on the road, you're more likely to get into an accident. Jacksonville drivers spend a little less time on daily commutes, which should help keep costs down for car insurance. Cities with high auto theft rates tend to have higher insurance costs. In Jacksonville, auto theft rates are lower than the national average, which might help residents see some savings on their premiums.

  1. $153
  2. Naples, FL Car Insurance average monthly cost
  3. The average monthly cost for car insurance in Naples is $153. Auto insurance rates are based on several factors. Depending on your vehicle, your gender and your driving record, you might pay a little more or less than the average. Commute times for Naples drivers tend to be shorter than the national average, and this reduces residents’ chances of getting into car accidents. This can also lead to some savings on your monthly cost for auto insurance. When you live in a dangerous area, you are more likely to have your vehicle stolen or vandalized. Fortunately, in Naples, auto theft is pretty rare, which should help keep auto insurance rates on the lower end.

  1. $154
  2. Melbourne, FL Car Insurance average monthly cost
  3. The average monthly cost of car insurance in Melbourne is $154. Your monthly cost for car insurance could be higher or lower than this average. Your actual costs depend on your age, the kind of car you drive, your driving record, and other factors. Long commutes increase the risk for accidents. Melbourne drivers tend to have shorter commutes than the average national driver, and this helps to keep car insurance rates down. The auto theft rate in Melbourne is less than half of the national average. This is good news because it could help lower your rates on auto insurance.

  1. $130
  2. Tallahassee, FL Car Insurance average monthly cost
  3. The average monthly cost of car insurance in Tallahassee is $130. Depending on the type of car you drive and your driving record along with a few other factors, you might pay more or less than the average for car insurance in Tallahassee. Car insurance rates tend to be higher in cities where drivers face long commutes. In Tallahassee, the typical commute time is much lower than the national average, which should help reduce rates on insurance. Cities with high auto theft rates tend to have higher rates on car insurance. In Tallahassee, auto theft is more common than in the average city, which could cause a slight increase in your rates.