Best Car Insurance in Florida (2024) Car Insurance Guide (Cheap Rates + Best Companies)

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Rachel Bodine

Insurance Feature Writer

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Insurance Feature Writer

Eric Stauffer

Licensed Insurance Agent

Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...

Licensed Insurance Agent

UPDATED: Oct 5, 2024

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Florida is known for its beaches, tourism, and high-profile living. It’s also known for higher than average car insurance rates. Read our car insurance guide for everything you need to know to get cheap Florida car insurance.

There are a number of factors that affect the price of car insurance and a number of ways to reduce it. Even where you live in the state will affect your rates. In addition to how Florida car insurance rates by ZIP code differ, we’ll give you a run-down of other information to maximize your driving experience in Florida.

Get a Florida car insurance quotes comparison right now using our free comparison tool. Enter your ZIP code to start comparing cheap Florida car insurance rates now.

Table of Contents

What are Florida car insurance coverage and rates?

No matter which state you drive in, there will always be insurance requirements. Knowing what you need and when you need it can sometimes be overwhelming. This is where having the right car insurance provider can benefit you.

Having the right car insurance provider can help you understand Florida’s car insurance laws. Continue reading to learn how additional types of coverage can bail you out should you ever find yourself in high water.

This is where we come in. There are many factors that affect the price of car insurance, and we will show you how to lower your rates as much as possible.

We are here to help you understand car insurance in the Sunshine State and to simplify the data that you will need to make an educated decision when choosing both a car insurance provider and the types of coverage that are best for you.

Keep scrolling to determine the types of coverage required by Florida State law, how much insurance you need for your car, and how we can help you get the most for your money.

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What are the average monthly car insurance rates in FL for liability, collision, and comprehensive?

Now we’ll cover some of the Florida car insurance laws because getting the most out of every dollar you spend on car insurance means understanding what is required of you as a car owner in Florida. (For more information, read our “Dollar-a-Day Insurance Coverage“).

The rates reflected below are from 2015, so rates for 2021 might be slightly higher. Educating yourself on the best 2021 car insurance in Florida will help you save money.

First, understand the car insurance requirements for Florida, research the car insurance companies available in your area, and then shopping around for the best rates from each of them can help keep your costs down, though.

Average Annual Florida Car Insurance Core Coverage Rates

Coverage TypeAnnual Rates
Liability$857.64
Collision$282.96
Comprehensive$116.53
Combined Total$1,257.13

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According to the Insurance Information Institute, Florida ranks among the top 10 most expensive states for annual average car insurance expenditures.

Why is Florida car insurance so expensive? Florida has a dense population with major metropolitan areas across the state. It also has no-fault insurance, which tends to drive up rates. To see how much the average car insurance rate will cost in those areas, continue reading.

What are the cheapest Florida car insurance rates by ZIP code?

Most people don’t know that their car insurance rates can be impacted simply by their address. It’s true, though. Where you live can determine the car insurance rate that you might receive. Check out car insurance by zip code in this section to find the best bang for your buck car insurance.

The best car insurance rates in South Florida are the most expensive in the state. Take a look at the following tables to see average car insurance rates by zip code.

Florida's 25 MOST Expensive Zip Codes

25 Most Expensive Zip Codes in Florida CityAverage Annual Rate by Zip CodeMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
33142MIAMI$7,631.16Allstate$12,185.02Liberty Mutual$9,457.09USAA$4,036.96Geico$4,603.44
33147MIAMI$7,626.18Allstate$12,185.02Liberty Mutual$9,457.09USAA$4,202.34Geico$4,603.44
33125MIAMI$7,606.64Allstate$12,185.02Liberty Mutual$9,457.09USAA$4,036.96Geico$4,603.44
33135MIAMI$7,606.64Allstate$12,185.02Liberty Mutual$9,457.09USAA$4,036.96Geico$4,603.44
33130MIAMI$7,592.83Allstate$12,185.02Liberty Mutual$9,457.09USAA$4,036.96Geico$4,603.44
33136MIAMI$7,592.83Allstate$12,185.02Liberty Mutual$9,457.09USAA$4,036.96Geico$4,603.44
33127MIAMI$7,517.24Allstate$12,185.02Liberty Mutual$9,457.09USAA$4,036.96Geico$4,603.44
33010HIALEAH$7,448.04Allstate$12,185.02Progressive$8,805.26USAA$4,036.96Geico$4,603.44
33150MIAMI$7,428.69Allstate$12,124.19Liberty Mutual$9,457.09USAA$4,202.34Geico$4,603.44
33128MIAMI$7,404.00Allstate$12,185.02Progressive$8,497.04USAA$4,036.96Geico$4,603.44
33012HIALEAH$7,304.68Allstate$11,716.92Progressive$8,805.26USAA$4,202.34Geico$4,603.44
33126MIAMI$7,297.22Allstate$12,367.26Liberty Mutual$8,135.30USAA$4,036.96Geico$4,603.44
33013HIALEAH$7,275.81Allstate$11,715.10Progressive$8,604.99USAA$4,202.34Geico$4,603.44
33168MIAMI$7,240.81Allstate$11,827.36Progressive$8,466.37USAA$4,505.83Geico$4,603.44
33167MIAMI$7,216.08Allstate$11,654.27Progressive$8,466.37USAA$4,505.83Geico$4,603.44
33145MIAMI$7,199.47Allstate$10,732.87Liberty Mutual$9,457.09USAA$4,036.96Geico$4,603.44
33144MIAMI$7,197.53Allstate$12,367.26Liberty Mutual$8,135.30USAA$4,036.96Geico$4,603.44
33174MIAMI$7,178.70Allstate$12,367.26Liberty Mutual$8,247.08USAA$4,038.46Geico$4,603.44
33199MIAMI$7,178.70Allstate$12,367.26Liberty Mutual$8,247.08USAA$4,038.46Geico$4,603.44
33122MIAMI$7,163.83Allstate$11,836.51Liberty Mutual$8,135.30USAA$4,036.96Geico$4,603.44
33054OPA LOCKA$7,162.08Allstate$11,656.10Progressive$8,533.79USAA$4,505.83Geico$4,603.44
33184MIAMI$7,153.94Allstate$12,193.91Liberty Mutual$8,247.08USAA$4,038.46Geico$4,603.44
33016HIALEAH$7,146.88Allstate$11,656.10Progressive$8,805.26USAA$4,505.83Geico$4,603.44
33175MIAMI$7,127.61Allstate$12,009.61Liberty Mutual$8,247.08USAA$4,038.46Geico$4,603.44
33162MIAMI$7,110.30Allstate$11,684.61Liberty Mutual$8,135.30USAA$4,505.83Geico$4,603.44

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The list of car insurance companies in Miami, Florida, is competitive and expensive. Take advantage of any discounts to lower the higher than average car insurance rates.

Now, let’s review the top 25 cheapest auto insurance rates by zip code.

Florida 25 LEAST Expensive Zip Codes

25 Least Expensive Zip Codes in FloridaCityAverage Annual Rate by Zip CodesMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
32694WALDO$3,481.35Allstate$5,638.78Liberty Mutual$3,903.07USAA$2,129.02State Farm$2,685.17
32643HIGH SPRINGS$3,486.23Allstate$5,672.94Liberty Mutual$3,903.07USAA$2,129.02State Farm$2,685.17
32618ARCHER$3,486.59Allstate$5,675.46Liberty Mutual$3,903.07USAA$2,129.02State Farm$2,685.17
32667MICANOPY$3,486.59Allstate$5,675.46Liberty Mutual$3,903.07USAA$2,129.02State Farm$2,685.17
32669NEWBERRY$3,486.59Allstate$5,675.46Liberty Mutual$3,903.07USAA$2,129.02State Farm$2,685.17
32601GAINESVILLE$3,489.42Allstate$5,638.78Liberty Mutual$3,903.07USAA$2,129.02State Farm$2,685.17
32609GAINESVILLE$3,489.42Allstate$5,638.78Liberty Mutual$3,903.07USAA$2,129.02State Farm$2,685.17
32641GAINESVILLE$3,489.42Allstate$5,638.78Liberty Mutual$3,903.07USAA$2,129.02State Farm$2,685.17
32615ALACHUA$3,490.52Allstate$5,703.00Liberty Mutual$3,903.07USAA$2,129.02State Farm$2,685.17
32658LA CROSSE$3,490.52Allstate$5,703.00Liberty Mutual$3,903.07USAA$2,129.02State Farm$2,685.17
32612GAINESVILLE$3,492.52Allstate$5,675.46Liberty Mutual$3,903.07USAA$2,129.02State Farm$2,685.17
32603GAINESVILLE$3,494.66Allstate$5,675.46Liberty Mutual$3,903.07USAA$2,129.02State Farm$2,685.17
32605GAINESVILLE$3,494.66Allstate$5,675.46Liberty Mutual$3,903.07USAA$2,129.02State Farm$2,685.17
32606GAINESVILLE$3,494.66Allstate$5,675.46Liberty Mutual$3,903.07USAA$2,129.02State Farm$2,685.17
32607GAINESVILLE$3,494.66Allstate$5,675.46Liberty Mutual$3,903.07USAA$2,129.02State Farm$2,685.17
32608GAINESVILLE$3,494.66Allstate$5,675.46Liberty Mutual$3,903.07USAA$2,129.02State Farm$2,685.17
32611GAINESVILLE$3,494.66Allstate$5,675.46Liberty Mutual$3,903.07USAA$2,129.02State Farm$2,685.17
32653GAINESVILLE$3,494.66Allstate$5,675.46Liberty Mutual$3,903.07USAA$2,129.02State Farm$2,685.17
32610GAINESVILLE$3,504.58Allstate$5,675.46Progressive$3,951.64USAA$2,129.02State Farm$2,685.17
32631EARLETON$3,523.03Allstate$5,930.57Liberty Mutual$3,903.07USAA$2,129.02State Farm$2,685.17
32550MIRAMAR BEACH$3,597.34Allstate$5,996.61Progressive$4,267.71USAA$1,983.74State Farm$2,555.76
32664MC INTOSH$3,610.75Allstate$5,675.46Liberty Mutual$3,954.28USAA$2,456.82State Farm$2,656.82
32681ORANGE LAKE$3,610.75Allstate$5,675.46Liberty Mutual$3,954.28USAA$2,456.82State Farm$2,656.82
32633EVINSTON$3,646.11Allstate$5,638.78Progressive$5,035.52USAA$2,129.02State Farm$2,685.17
32640HAWTHORNE$3,646.11Allstate$5,638.78Progressive$5,035.52USAA$2,129.02State Farm$2,685.17

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While living in the city may have its conveniences, the data reveals that choosing to live outside the city center could have its advantages.

This can be seen by looking at the rates for drivers who reside in South Tampa, the cheapest zip code for car insurance, with a ZIP code of 33611 versus drivers who live in the up and coming area of Ybor City (ZIP Code: 33603).

South Tampa residents pay almost $1,000 less for car insurance rates than their neighbors north of Kennedy Blvd. This goes to show that when it comes to investing in car insurance, being an educated consumer and shopping around can result in big savings.

It is not just your neighborhood that can influence what you pay for your car insurance coverage. The city you love can also determine how much you will spend. Keep scrolling, and let us show you how.

What are the cheapest Florida car insurance rates by the city?

Although we don’t have Florida auto insurance rates by county, we do have rates by ZIP code.

We have done the work for you. Take a look at the tables below to see how the zip code you live in and the city that you love play a role in determining just what you will pay for your car insurance.

Florida 10 MOST Expensive Cities

10 Most Expensive Cities in Florida Average Annual Rate by CityMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
Brownsville$7,631.16Allstate$12,185.02Liberty Mutual$9,457.09USAA$4,036.96Geico$4,603.44
Gladeview$7,527.43Allstate$12,154.60Liberty Mutual$9,457.09USAA$4,202.34Geico$4,603.44
Fountainebleau$7,237.96Allstate$12,367.26Liberty Mutual$8,191.19USAA$4,037.71Geico$4,603.44
Hialeah$7,178.98Allstate$11,504.33Progressive$8,630.10USAA$4,248.38Geico$4,603.44
Golden Glades$7,161.53Allstate$11,695.48Liberty Mutual$8,135.30USAA$4,505.83Geico$4,603.44
Coral Terrace$7,081.53Allstate$12,367.26Liberty Mutual$8,191.19USAA$4,045.62Geico$4,603.44
Olympia Heights$7,078.68Allstate$12,367.26Liberty Mutual$8,247.08USAA$4,038.46Geico$4,603.44
Miami$7,078.48Allstate$11,539.59Liberty Mutual$8,684.52USAA$4,077.32Geico$4,603.44
Biscayne Park$6,983.18Allstate$11,896.30Progressive$8,392.79USAA$4,505.83Geico$4,603.44
Miami Gardens$6,972.48Allstate$10,667.38Liberty Mutual$8,209.82USAA$4,505.83Geico$4,603.44

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Given its size and population, it should come as no surprise that Miami ranks as one of the expensive cities for car insurance rates. More cars on the road usually translate into more traffic incidents, which inevitably results in more claims.

Florida's Top 10 Cheapest Cities

10 Least Expensive Cities in Florida Average Annual Rate by CityMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
Waldo$3,481.35Allstate$5,638.78Liberty Mutual$3,903.07USAA$2,129.02State Farm$2,685.17
High Springs$3,486.23Allstate$5,672.94Liberty Mutual$3,903.07USAA$2,129.02State Farm$2,685.17
Archer$3,486.59Allstate$5,675.46Liberty Mutual$3,903.07USAA$2,129.02State Farm$2,685.17
Micanopy$3,486.59Allstate$5,675.46Liberty Mutual$3,903.07USAA$2,129.02State Farm$2,685.17
Newberry$3,486.59Allstate$5,675.46Liberty Mutual$3,903.07USAA$2,129.02State Farm$2,685.17
Alachua$3,490.52Allstate$5,703.00Liberty Mutual$3,903.07USAA$2,129.02State Farm$2,685.17
La Crosse$3,490.52Allstate$5,703.00Liberty Mutual$3,903.07USAA$2,129.02State Farm$2,685.17
Gainesville$3,494.00Allstate$5,666.29Liberty Mutual$3,903.07USAA$2,129.02State Farm$2,685.17
Earleton$3,523.03Allstate$5,930.57Liberty Mutual$3,903.07USAA$2,129.02State Farm$2,685.17
Miramar Beach$3,597.34Allstate$5,996.61Progressive$4,267.71USAA$1,983.74State Farm$2,555.76

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Should you ever need to file a claim, it is good to know where your car insurance provider stacks up among the others operating in the Sunshine State. Keep reading to get information about the best car insurance companies in Florida.

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What are the average monthly car insurance rates by age and gender in FL?

How much does car insurance cost in Florida based on your age and gender? And what is the average cost of car insurance in Florida?

You are most likely going to need car insurance coverage at some point in your life. These external factors could also have an impact on how much you end up paying for that coverage as well.

The Consumer Federation of America released a study in 2017, which reveals that, contrary to popular belief, older women pay more for car insurance coverage than their male counterparts. In fact, according to Forbes magazine:

Among its findings, the CFA found that in 38 instances, women with perfect driving records are charged at least $100 more per year than male drivers, and in six cases, have to pay $500 higher annual premiums.

While gender and age were combined to reach the conclusions in the CFA report, each of these factors alongside marital status also impacted what a person might pay for car insurance coverage.

For a variety of reasons, including a history of devastating storms and hurricanes, Florida’s car insurance rates are often higher than the national average.

This table shows you average car insurance rates by age in Florida.

Top Florida Car Insurance Company Rates by Demographics

CompanyMarried 35-year old Female Annual RateMarried 35-year old Male Annual RateMarried 60-year old Female` Annual RateMarried 60-year old Male Annual RateSingle 17-year old Female Annual RateSingle 17-year old Male Annual RateSingle 25-year old Female Annual RateSingle 25-year old Male Annual Rate
Allstate F&C$4,653.38$4,423.29$4,040.00$4,089.70$15,905.72$17,179.33$4,592.92$4,639.32
Geico General$2,986.89$3,001.17$2,793.99$2,793.99$5,342.74$6,713.47$3,292.51$3,344.27
Liberty Mutual Ins. Co.$3,711.14$3,711.14$3,398.94$3,398.94$7,859.88$12,116.72$3,711.14$5,037.27
Allied P&C$3,039.80$3,000.81$2,710.48$2,806.30$7,314.60$9,013.69$3,347.30$3,483.83
Progressive Select$3,736.10$3,523.35$3,200.74$3,428.17$10,512.83$11,453.56$4,508.82$4,302.83
State Farm Mutual Auto$2,158.99$2,158.99$1,954.51$1,954.51$6,166.09$7,832.79$2,399.41$2,556.07
USAA$1,646.31$1,619.33$1,536.18$1,525.12$5,638.10$6,551.72$2,060.09$2,226.40

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It is interesting to note that a single 25-year-old female pays about the same as a female who is 60 years old and married, whereas the rates for males tend to decrease with age.

Your age and gender are not the only things that can impact your car insurance rates. Your credit rating and driving history also make a big difference in Florida auto insurance rates.

You’ll want to compare rates using your specific zip code, as rates will fluctuate from city to city and county to county. Miami car insurance quotes will be different from quotes for car insurance in Orlando, FL. Use our quote comparison tool to get the best idea of what the cost of car insurance will be to you as a Florida resident.

What is the minimum car insurance required in Florida?

According to the Florida Department of Motor Vehicles, the Florida car insurance requirements are:

  • $10,000 in Personal Injury Protection (PIP)
  • AND $10,000 in Property Damage Liability (PDL)

PIP will help cover lost wages, in-house care, and equipment if you are injured in an accident. It will also help pay for funeral costs if necessary.

AAA also notes that Florida has a no-fault law and that:

No-fault law requires anyone who owns or has registered a motor vehicle with four or more wheels (excluding taxis and limos) to have the following coverage. All drivers are required to have insurance policies of at least $10,000 for an individual’s bodily injury, $20,000 for injury to multiple persons; $10,000 for property damage; and a $30,000 minimum per accident.

Failure to comply with these requirements can result in the suspension of your driving privileges, vehicle registration, and vehicle license tag for up to three years, so why take the risk?

A Florida driver is responsible for following the Florida Financial Responsibility Law. This law requires that a person with certain types of marks on their driving record maintain:

  • A minimum limit of bodily injury liability of $10,000 per person
  • A minimum limit of $20,000 per crash
  • A minimum of $10,000 property damage liability per crash
  • AND personal injury protection limits of $10,000 per person per crash

To ensure that all car insurance law requirements are met, residents of the Sunshine State must be able to present acceptable forms of financial responsibility should they be involved in an accident or pulled over by police for a traffic violation.

What forms of financial responsibility are accepted in Florida?

According to the AAMVA, upon request from a law enforcement officer, a driver must present insurance during a roadside traffic stop. Proof of insurance is also required if you are involved in an accident.

Some of the acceptable forms used to demonstrate this type of financial responsibility in Florida include:

  • An e-insurance card accessible through your car insurance provider’s app on your smartphone, laptop, tablet, or electronic other devices
  • A printed paper insurance ID card presented to you by your car insurance provider when you open an auto insurance policy with them

These options make providing the proper officials your proof of insurance when registering your vehicle or sorting out any traffic incidents as easy as feeding seagulls on a Florida beach on a sunny afternoon.

Your proof of financial responsibility can also be updated online should you need to reinstate your license plate registration.

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What are Florida’s car insurance rates as a percentage of income?

Being able to access your proof of insurance or update your insurance information online saves you time and money. These are savings that all Florida divers can appreciate.

According to Business Insider and the Insurance Information Institute, Florida has some of the highest average car insurance rates nationwide.

On average, 3.15% of every Floridians’ annual disposable income is spent on car insurance. Florida residents spend $1,257 from their average disposable income of $38,350 per year.

Even as Florida’s average annual car insurance rates have remained relatively stable over the past few years, they are still higher than those of its neighboring states of Georgia and Alabama. Their residents pay $991 and $837, respectively, on average per year.

Florida is on the high side of the national average and places the average expenditure for car insurance nationwide at $935.80 per year. Floridians are paying about $322 more than the rest of the country to drive in the Sunshine State.

This is why it is important to choose the right insurance provider who can help you understand exactly which type of coverage will get you the most bang for your buck.

What additional coverages are available in FL?

While Florida may only require you to maintain $10,000 for an individual’s bodily injury, $20,000 for injury to multiple persons, $10,000 for property damage, and a $30,000 minimum per accident, there are benefits to going above and beyond what the law requires.

Some of these options include:

  • MedPay insurance subject to the policy limits will cover the medical payments for all passengers in a vehicle that is injured in an accident. This includes the ambulance ride and treatment.
  • Uninsured/Underinsured insurance will protect you if you are in an accident with an at-fault driver who isn’t carrying liability insurance or whose limits are too low to cover the damages and medical expenses incurred by you or others during an accident.

Below are the loss ratio trends for Florida as a whole, which can give you an indication of how the car insurance market as a whole is doing.

Loss Ratio of Florida Car Insurance Claims

Loss Ratio201220132014
Personal Injury Protection75%62%76%
Medical Payments (MedPay)74%73%81%
Uninsured/Underinsured Motorist Coverage (UUM)73%80%86%

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The loss ratio numbers for PIP, MedPay, and Uninsured/Underinsured motorist sections are good news to you as a Florida consumer. Why? What do these loss ratios mean to you?

  • A High Loss Ratio (over 100%) indicates that the companies are losing money because they pay out too many claims for the rates they have earned, which might cause them to face bankruptcy. A high loss ratio is a good indicator of future rate increases.
  • A Low Loss Ratio indicates that companies might have overpriced their policies and that a rate decrease could occur soon.

Florida’s car insurance loss ratios are relatively good.

Considering that, on average, around 27% of Florida drivers are uninsured/underinsured ranking Florida number one in this area, it could be a major benefit to you to invest in additional coverage beyond just what the state requires.

Keep reading to find out about all of the add-ons and endorsements that you can invest in to protect yourself and your passengers should you ever need more coverage.

Are there add-ons and endorsements available in Florida?

Understanding what each type of these add-ons and endorsements means to you can go a long way to ensuring that you are never left unassisted should the joys of car ownership take a turn for the worse.

  • Guaranteed Auto Protection (GAP) – If your car is ever totaled or stolen, GAP will pay any money that  remains outstanding on the lease or loan.
  • Personal Umbrella Policy (PUP) – When your underlying liability limits have been reached, PUP protects you from lawsuits.
  • Rental Reimbursement – Should you ever need to leave your car in the shop, rental reimbursement will help you pay the costs of renting a car until your repairs are finished. (For more information, read our “Pros and Cons of Renting Your Car to Others“).
  • Emergency Roadside Assistance – This is just what it sounds like. If your car breaks down or you have a flat emergency roadside assistance will be there to pay for the cost of roadside repairs or a tow if need be.
  • Mechanical Breakdown Insurance – This type of coverage helps pay for repairs to your car, which did not result from an accident.
  • Non-Owner Car Insurance – Don’t own a car but still drive on occasion? This type of coverage is perfect for you then because it provides you with limited liability coverage even if the car you are driving isn’t registered to you.
  • Modified Car Insurance Coverage – If a basic model just isn’t your style, then modified car insurance should be. This type of insurance covers most modifications made to your vehicle that may not be covered by your general policy should you be involved in an accident.
  • Classic Car Insurance – Classic Car Insurance coverage helps ensure that if something happens, you and your classic car while on the road, both will be well protected. This type of insurance typically costs less since classic cars are generally not driven as much as their contemporary counterparts.
  • Pay-As-You-Drive or Usage-Based Insurance – This type of coverage is based on the way you drive. The insurance provider considers your speed, distance traveled, and other such factors and issues discounts based on that information.

The type of car you drive or how you drive is not the only factor determining the type of coverage you may need or how much that coverage may cost. Sometimes it is just who you are that impacts the rate that you receive. Keep reading to find out how.

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What are the best Florida car insurance companies?

Should you ever need to file a claim, it is comforting to know that you have the best car insurance provider on your side. We have collected a list of the top-rated Florida car insurance providers for you.

Which of the largest companies have the best financial rating?

As the only worldwide credit agency to have a particular focus on the insurance industry, A.M. Best has become a trusted agency to use when determining the overall health and viability of insurance providers globally.

Top Rated Florida Car Insurance Companies

Best Rated CompaniesRatingOutlook
ACE American Insurance CompanyA++Stable
Agri General Insurance CompanyA++Stable
Auto-Owners Insurance CompanyA++Stable
Automobile Ins Co of Hartford, CTA++Stable
Chubb Insurance CompanyA++Stable
Columbia Insurance CompanyA++Stable
Continental Divide Insurance CompanyA++Stable
GeicoA++Stable
Great Northern Insurance CompanyA++Stable
Owners Insurance CompanyA++Stable

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This means that when you choose a company with an A++ rating from A. M. Best, you are choosing one that has a good loss ratio, and the overall financial outlook is stable.

What all of this does this mean to you as a consumer? It means that you can be sure that should you ever need to file a claim with one of the insurance providers that has received an A++ rating from AM Best that you will be less likely to have your claim rejected.

You are also less likely to face any negative consequences, which could result if your insurance provider goes bankrupt.

What are the ratings for Florida car insurance companies?

A. M. Best is not the only trusted adviser keeping its eye on the car insurance industry. J. D. Power is watching out for you, and what they have noted is that customer satisfaction among customers of automobile insurance is at a record high.

Your experience can be better by browsing through customer complaints and reviews.

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Which car insurance companies in Florida have the most complaints?

Part of choosing the right car insurance provider is knowing just how many complaints each one of your choices. This is where the complaint ratio comes in. This ratio tells you as a consumer just where the providers in your area stand about their competitors.

The baseline for the complaint ratio is 1.0. This means that a company with a complaint ratio of 1.0 has an average number of complaints. The higher the complaint ratio, the higher the number of complaints lodged against the company.

Below is a list of the top 10 best car insurance companies in Florida and their complaint ratios so that you can see how each one compares.

Market Share of Florida Car Insurance Companies

CompanyDirect Premiums WrittenComplaint RatioLoss RatioMarket Share
Amtrust NGH Group$413,351061.98%2.16%
Travelers Group$444,6230.0967.79%2.32%
State Farm Group$3,042,8710.4479.80%15.89%
Allstate Insurance Group$1,842,8000.5055.45%9.63%
Geico$4,678,3260.6878.78%24.44%
USAA Group$1,357,3670.7482.20%7.09%
Progressive Group$3,031,4440.7566.17%15.84%
InFinanciality Prop & Casualty Insurance Group$357,0112.0367.06%1.86%
Liberty Mutual Group$617,0895.9568.42%3.22%
J. Whited Group (Windhaven)$385,8857.4356.59%2.02%

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These numbers can be a bit deceiving when taken out of context.

For instance, a glance at the numbers would make it seem like Amtrust NGH Group is the best choice. Still, this company only holds 2.16% of the market share, which means that it has fewer customers, and fewer customers translates into fewer possibilities for complaints.

If you want to see for yourself, search for complaints using Florida car insurance company codes:

  • Amtrust NGH Group – NAIC Code: 15954
  • Travelers Group – NAIC Code: 36161
  • State Farm Group – NAIC Code: 25178
  • Allstate Insurance Group – NAIC Code: 29688
  • Geico – NAIC Code: 35882
  • USAA Group – NAIC Code: 25968
  • Progressive Group – NAIC Code: 25232
  • InFinanciality Prop & Casualty Insurance Group – NAIC Code: N/A
  • Liberty Mutual Group – NAIC Code: 23043
  • Windhaven – NAIC Code: 12541

The National Association of Insurance Commissioners (NAIC) has a report for each company, which details the companies’ total assets, direct rates, and the number of complaints they receive on average.

Looking at the numbers for Geico, which holds almost 25% of Florida’s overall market share, means that their complaint ratio of 0.68 is better given the company size and the number of customers that Geico services. The devil is in the details.

If you ever need to file a complaint against your car insurance provider in Florida, there are several points of contact for you to choose from. Some of these include:

  • The Statewide Toll-Free Number: 1-877-My-FL-CFO
  • Out of State Callers can contact: (850) 413-3089
  • There is also a TDD Line for the hearing impaired: 1-800-640-0886
  • Or you can send an email: [email protected]

The office of Florida’s Chief Financial Officer also offers Floridians a way to check the number of complaints against insurance providers for a given year through their Complaint Comparison Database search tool.

Now that you know what the loss ratio and complaint ratio mean to you, and how to file a complaint should you need to, it is time to start comparing the rates.

Who are the cheapest car insurance companies in Florida?

Like any financially savvy consumer, you will want to start with the companies with the cheapest rates in Florida. We are here to help you with that. The table below puts you in the driver’s seat when choosing the best car insurance provider that your hard-earned dollar can buy.

Florida Car Insurance Companies Compared to National Average

CompanyAverage+/- Compared to State Average (rate)+/- Compared to State Average (%)
Allstate F&C$7,440.46$2,760.0037.09%
Geico General$3,783.63-$896.83-23.70%
Liberty Mutual Ins Co$5,368.15$687.6912.81%
Allied P&C$4,339.60-$340.86-7.85%
Progressive Select$5,583.30$902.8416.17%
State Farm Mutual Auto$3,397.67-$1,282.79-37.75%
USAA$2,850.41-$1,830.05-64.20%

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Knowing how much purchasing power you have when shopping for the right car insurance provider is important. It is also important to know how each of these providers determines your rates once you become a customer.

Sometimes your rates are adjusted based on the distance of your commute, while in other cases, your rate is determined by the type of coverage you have or even your credit rating. Keep reading to find out how.

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What are the car insurance commute rates by the company?

There is no way around the fact that the more you drive, the higher your rates will be. This is why it pays to compare the annual rates that Florida car insurance providers charge customers based on the number of miles they travel annually.

The table below can help you put these numbers in perspective to make an informed choice when you decide to purchase car insurance in the Sunshine State.

Florida Car Insurance Commute Rates by Company

Company10 miles commute. 6000 annual mileage.25 miles commute. 12000 annual mileage.
Allstate$7,227.85$7,653.06
Progressive$5,583.30$5,583.30
Liberty Mutual$5,193.97$5,542.32
Nationwide$4,339.60$4,339.60
Geico$3,765.00$3,802.25
State Farm$3,278.22$3,517.12
USAA$2,818.01$2,882.80

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Looking at these numbers reveals that if you have a short commute, then a company like USAA. USAA car insurance in Florida might be right for you, but you won’t be able to enroll unless you’re in the military or part of the immediate family of someone who serves or has served.

If you have a long commute, it might be wiser to go with a more expensive company such as State Farm since it has a lower complaint ratio and better loss ratio than USAA when the market share of each of these companies is compared.

After all, more time spent on the road means an increase in the chances that you might be involved in a traffic incident, and you will want to make sure that your claim is less likely to be rejected should you ever need to file one.

You will also want to consider the coverage level rates of each company as you shop around for the best value in car insurance.

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What are the car insurance coverage level rates by the company?

Now that you are beginning to understand how things can influence the type of coverage you might need, it is time to consider how much coverage you might need. The table below can help you do just that.

Florida Car Insurance Coverage Level Rates by Company

CompanyLow CoverageMedium CoverageHigh Coverage
Allstate$5,762.84$7,820.73$8,737.79
Geico$3,105.08$3,915.19$4,330.61
Liberty Mutual$4,921.70$5,456.65$5,726.09
Nationwide$3,427.69$4,511.14$5,079.97
Progressive$4,681.36$5,712.27$6,356.27
State Farm$2,915.85$3,477.29$3,799.88
USAA$2,450.79$2,954.56$3,145.87

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As you can see, the higher your coverage, the higher your car insurance rate will be, which is why it is so important to shop around. That is not the end of the story.

An older car with higher mileage might not need as much coverage. A lender on a new car might require you to have a better credit score or clean driving record.

How does credit history impact car insurance rates for each company?

Consumer Reports published an article in 2015 that came as a shock to most Americans. This article revealed that your credit score does indeed have an impact on your car insurance rates. The table below shows the best car insurance rates in Florida based on credit history.

Florida Car Insurance Credit History Rates by Company

CompanyGood CreditFair CreditPoor Credit
Allstate$5,314.82$6,574.17$10,432.38
Geico$2,505.51$3,335.60$5,509.78
Liberty Mutual$4,109.70$5,073.66$6,921.08
Nationwide$3,596.12$3,981.62$5,441.06
Progressive$4,302.18$5,169.65$7,278.07
State Farm$2,495.39$3,045.80$4,651.82
USAA$1,645.31$2,266.46$4,639.45

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One of the reasons that people with good credit scores get better car insurance rates is because they are less likely to submit a claim. The higher the credit rating, the more likely it is that the person will pay out of pocket to have repairs done or settle damages after an accident.

That doesn’t mean that maintaining a clean driving record is useless. When it comes to determining how much you will pay to maintain your car insurance coverage in Florida.

Keep scrolling to see just how important it is to be a safe driver in the Sunshine State.

How does the driving record impact car insurance rates for each company?

In Florida, what you do behind the wheel matters to your bottom line when it comes to purchasing car insurance. This is because Florida operates under a point system. These driving points are based on a graduated system that sets forth relative values for traffic offenses.

These driving points also stay on your driving record for three years and are used by car insurance companies to determine your rates. Let’s look at a list of car insurance companies for high-risk drivers in Florida.

Florida Car Insurance Driving Record Rates by Company

CompanyClean recordWith 1 speeding violationWith 1 DUIWith 1 accident
Allstate$6,417.39$7,119.64$8,524.13$7,700.66
Geico$2,636.72$4,116.12$5,012.72$3,368.94
Liberty Mutual$3,869.33$5,285.32$7,291.64$5,026.31
Nationwide$3,705.32$4,114.99$5,472.37$4,065.71
Progressive$4,407.95$5,915.72$5,490.35$6,519.19
State Farm$3,105.11$3,397.66$3,397.66$3,690.25
USAA$2,233.94$2,341.64$4,070.81$2,755.24

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Looking at just how much one ticket or accident can change your car insurance rates demonstrates how important it is to drive defensively in the Sunshine State. The table shows that it’s just as important to you as a Floridian to be aware of what is on your driving record as it is for you to keep an eye on your credit score.

Now that you know how your credit score and driving record can impact your car insurance rates, keep reading to find out why bigger doesn’t always mean better when choosing a car insurance provider.

You can still get car insurance quotes with Florida DUI. Just enter your ZIP code in the free comparison tool to start.

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What are the largest car insurance companies in Florida?

We gave you a brief overview of how a car insurance provider’s market share and how it works alongside loss ratio to help you get better customer service. But what does market share mean?

Market share is the percentage of the overall market that is controlled by a single company.

Florida Car Insurance Companies Direct Premiums Written and Market Share

CompanyDirect Premiums WrittenMarket Share
Geico$4,678,32624.44%
State Farm Group$3,042,87115.89%
Progressive Group$3,031,44415.84%
Allstate Insurance Group$1,842,8009.63%
USAA Group$1,357,3677.09%
Liberty Mutual Group$617,0893.22%
Travelers Group$444,6232.32%
Amtrust NGH Group$413,3512.16%
J. Whited Group (Windhaven)$385,8852.02%
InFinanciality Prop & Casualty Insurance Group$357,0111.86%

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Geico controls approximately 25% of the overall car insurance market in Florida. Geico also has $4,678,326 in Direct Premiums Written, which indicates that Geico is financially sound as well since:

While insurance companies can increase revenue by increasing premiums on policies that have come up for renewal, the main driver for growth in this area is writing new policies.

What about The General auto insurance in Florida? You can get cheaper car insurance, but Geico and other high market companies perform much better.

How many insurers are there in Florida?

There are 14 domestic insurance providers in the state of Florida and 953 foreign ones. This means that you have 967 to choose from as you shop for the best rates and coverage.

So, what is the difference between a foreign or domestic insurer?

  • Domestic insurer means that the insurer is one that has been formed under the laws of the state of Florida.
  • Foreign insurer means that the insurer is one that has been formed under the laws of any state, district, territory, or commonwealth of the United States other than the state of Florida.

Neither type of insurer is better or worse when it comes to providing you with the coverage you need. Ultimately then, it is a personal choice about which one you are more comfortable dealing with.

Dealing with either type of insurer is easier when you understand the laws that they are formed under. We have provided you a brief overview of these laws in the next section.

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What are Florida’s state driving laws?

Navigating the laws that govern car insurance in the Sunshine State can be a complicated and confusing process. Trying to understand just which laws apply to you after a car accident can be frustrating as well. Having a general understanding of what these laws are before you find yourself involved in a traffic incident can help.

This is where we come in. We are here to help you gain a good grasp of the laws governing driving and car insurance in the Sunshine State. Keep scrolling to find out the basic information you need to keep your rates down and your family safe while on the road in Florida.

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What are the car insurance laws in Florida?

As discussed in the earlier section, there are minimum coverage requirements for drivers and car owners in Florida. According to the NAIC, the Sunshine State also requires that you file the proper forms before your insurance can be used.

While it is common knowledge that you must be covered by car insurance to tag a vehicle or drive in Florida, many people are shocked to learn that they can also be denied car insurance coverage simply because they are considered to be a high-risk driver.

This is why it pays to be proactive by driving defensively when you are on Florida’s roads, and why you should always obey all traffic laws. By practicing safe driving, you can keep your driving record clean and thereby prevent yourself from being labeled a high-risk driver.

You can also do your part by understanding how the laws in the state of Florida are determined.

How are FL state laws determined?

Like all other laws in Florida, the laws that govern car insurance are determined by the state legislature. This governmental body has declared Florida to be a no-fault state when it comes to car insurance coverage types and amounts.

This can be confusing to some people, but understanding who is responsible and when, according to Florida’s no-fault laws, is quite simple.

  • No-Fault coverage is meant to protect the insured by paying for their expenses in an accident.
  • After No-Fault coverage benefits are exhausted the insured can then turn to MedPay
  • When MedPay benefits have reached their limits, and if the insured is not at fault, the insured can then look towards the other party’s insurance to seek reimbursement.
  • Uninsured Motorists can cover the rest if the other party’s benefits reach their limits, but only within the limits of the uninsured motorist policy limits.

Of course, having an accident can increase your chances of being categorized as a high-risk driver, so it pays to be careful.

Should you find yourself in the high-risk category, purchasing car insurance is impossible; it just means that you will have to shop around a bit more and that you will need to be well informed.

What is high-risk car insurance?

This type of car insurance is designed for those who find themselves with driving points on their Florida license. High-risk car insurance companies in Florida will issue more expensive rates, as discussed in the Driving Record Rates section.

You may be required to carry an SR-22 or FR-44 form if you have had your license suspended, gotten into an accident with no insurance, or have recent severe violations such as drug or alcohol charges.

According to the Florida DMV, driving points remain on your license for three years, and they are used by car insurance companies to determine your rates and coverage eligibility.

The more driving points that you have on your Florida driving record, the more likely car insurance companies feel you are to be involved in another traffic incident.

This increase in likelihood translates into higher rates because it also means that you, or an opposing party, are more likely to file a claim with your insurer.

You don’t have to have a traffic incident to increase your driving points. Sometimes something so simple as filing a claim for a cracked windshield can increase your rates as well.

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What are the windshield coverage laws in Florida?

There are a few things you should know when it comes to windshields in Florida. The first of these is that all vehicles operating in the Sunshine State must have functioning windshield wipers.

Florida laws do not mention cracked or damaged windshields. But there are other relevant Florida car insurance regulations that can make driving with a damaged, chipped, or broken windshield illegal.

It is also important to note that, in Florida, coverings, stickers, or signs on windshields are against the law. There are a few exceptions, such as:

  • Stickers that are mandatory by law
  • GPS devices
  • And/or toll payment devices, such as Florida’s SunPass device

These stickers or devices cannot obstruct the driver’s view. This is also damage, such as cracks or chips, which can potentially interfere with the driver’s view.

Florida also adheres to the federal regulation that any cracks or chips smaller than ¾-inch in diameter are permitted, but that this damage cannot be located within three inches of another crack. This damage must also be located away from the driver’s view.

Comprehensive coverage will generally cover windshield damage in the Sunshine State, but as with the filing of all other types of claims, this could increase your rates the next time that you rewrite your policy.

All of this talk of high-risk drivers and increased rates seems intimidating, but there are low-cost options in Florida’s state. Keep reading to find out what they are and if they might be right for you.

How can you get low-cost car insurance?

Low-cost insurance is provided with no hassle to those who have good driving records, a good credit rating, and those who fit a certain demographic. What do you do if one or more of these factors is working against you?

The best option in this scenario is to investigate which types of discount programs are available to you as you shop for car insurance. Some of these discount programs include:

  • Safe Driver Discount
  • Student Discount
  • AND Veteran Discounts

Taking a defensive driving course can lower your rates if you have the time and money to invest.

With all of these ways to save or recover from driving points, why wouldn’t you take advantage of a few of them? Despite the variety of discounts and recovery options, some people still feel compelled to file false claims.

Be forewarned though that the State of Florida takes insurance fraud VERY seriously.

What are the car insurance fraud laws in Florida?

While being a no-fault state can have its advantages for Florida residents in need of quick reimbursement after an accident, it also lends itself to higher car insurance fraud incidents. The Insurance Information Institute notes that:

In many no-fault states, unscrupulous medical providers, attorneys, and others perpetrate fraud by padding costs associated with a legitimate claim, for example, by billing an insurer for a medical procedure that was not performed.

Because of this, if you are ever injured in an accident or sustain damage to your vehicle, it is best that you, as the insured, pay close attention to the billing practices of the service providers that you employ.

Florida law dictates that any person who submits a claim based on deliberate falsehood, exaggerations, or loss and/or injury that is the result of deliberate action on the part of the claimant has committed insurance fraud.

A person commits insurance fraud by submitting a claim based on a false, exaggerated, or deliberate injury or loss. It is against Florida law to submit false or misleading information to an insurer on a claim or an application for an insurance policy.

A person caught committing insurance fraud in the Sunshine State can be subject to:

  • The loss of license and charges of criminal liability and/or civil fines, if the perpetrator is a lawyer, doctor, and other professional.
  • Fines and/or imprisonment in the case of those not so professionally inclined.

The severity of the punishment also increases with the value of the fraudulent claim, and can even result in first, second, or third-degree felony charges.

There is a bright side to Florida’s insurance fraud laws. In 2012 Florida enacted the No-Fault Insurance Reform Law, which has helped to reduce fraud within the state resulting in lower rates for Floridians overall.

Is there a statute of limitations in Florida?

Almost all crimes committed in Florida carry with them a statute of limitations. Personal injury and property damage are no exceptions. According to the Florida State Legislature, these crimes carry with them the following:

  • Four Years for Personal Injury claims
  • Four Years for Property Damage claims

While statutes of limitations are commonplace in all states nationwide, there are a few driving laws unique to Florida that all residents and visitors should be aware of.

What are Florida specific driving laws?

In 2013 the State of Florida overturned the previous law that had allowed foreign tourists to drive with their licenses from homelands.

Florida also has a Move-Over law that requires drivers to slow their car down to 20 miles per hour below the posted speed limit to protect the lives of law enforcement or emergency personnel operating alongside the roadway. Violating this law makes you subject to fines.

You must also feed the parking meter if you tie an elephant, goat, or alligator to it according to Florida law.

Florida truly is a weird and wonderful state.

There is nothing weird about the vehicle licensing laws in Florida. Keep reading to find out how they affect you.

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What are Florida’s vehicle licensing laws?

As mentioned in the previous section on minimum coverage requirements in Florida, all car owners in the Sunshine State are also required to maintain minimum coverage of:

  • $10,000 in Personal Injury Protection (PIP)
  • AND $10,000 in Property Damage Liability (PDL)

Florida also began issuing licenses that were REAL ID-compliant after January 1, 2010. Floridians can tell if their state-issued id-card or driver’s license is REAL ID-compliant by looking for the star in the upper right corner of their cards,

To be issued a REAL ID, you will need to bring at least one of the primary documents listed below:

U.S. Citizens should bring with them:

  • Valid, unexpired U.S. passport
  • Original or Certified copy of a birth certificate
  • Consular Report of Birth Abroad
  • Certificate of Naturalization issued by DHS
  • Certificate of Citizenship

If your current name is different from what appears on any of these, you will need to bring one of the following:

  • Court-ordered name change document
  • Marriage certificate, issued by the courts and/or
  • Divorce decree, issued by the courts

For Non-Citizens the following should be brought with you:

  • Valid, unexpired Permanent Resident Card – I-551 for Lawful Permanent Residents
  • Valid Passport for non-immigrants except for asylum applicants and refugees
  • Other government-issued document showing your full name
  • Department of Homeland Security document showing proof of the lawful presence
  • If your name has changed by marriage/divorce, you must have your name changed on your Citizen and Immigration Services (CIS) documents.

Both Citizens and Non-Citizens will need to bring:

  • Their Social Security Card or proof of your social security number.
  • Two documents that show their principal residence

For in-depth information on the identity documents required to obtain your REAL ID, you can visit the FLHSMV website.

Just like the laws that govern REAL ID are meant to keep Floridians safe, so are the penalties imposed for driving without car insurance. Read on to discover what they are.

What are the penalties for driving without insurance in Florida?

Driving without car insurance in the Sunshine State has its consequences.

The first offense carries with it a penalty of the suspension of your license and registration until you have paid the reinstatement fee of $150. Proof that you have secured non-cancelable coverage is given once you’ve paid.

Should you find yourself driving without insurance coverage for a second time, the second offense carries the penalty of the suspension of your license and registration until the reinstatement fee of $250 is paid proof that you have secured non-cancelable coverage is given.

Florida also has a set of laws specifically aimed at teenage drivers to keep all Florida drivers safe.

What are the teen driving laws in Florida?

Florida laws that regulate teenage drivers operate under a multi-stage licensing process.

Their age or pre-determined requirements determine each stage of the licensing process for teenagers.

For instance:

  • At age 15, Florida teenagers can apply for a learner’s license. To do so through the teenager has to have completed a Traffic Law and Substance Abuse Course. They must also have passed the written, vision, and hearing tests, and they must have a signed parent consent form.
  • When a driver turns 16, if they had their learner’s license for at least one year without any traffic violations and had completed 50 hours of practice driving, they could apply for the intermediate license.
    • The issuance of this type of license is also contingent on the teenager being able to pass a behind-the-wheel driving test, complete a vision test, and provide proof of practice driving time. A legal guardian must also accompany the teenager to the DMV to sign the application form unless their signature has been notarized before the teenager, presenting it to the DMV officer. At the intermediate stage, driving privileges are also based on age.
  • At age 18, a teenager becomes eligible for a full unrestricted license.

All first-time drivers in Florida are required to take a Traffic Law and Substance Abuse course and a written exam to receive a learner’s license.

After you have had your driver’s license for some time, the procedures for renewing it will be applied.

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What are Florida’s driver license renewal procedures?

The renewal procedures in the state of Florida vary by age. For the general population, a Florida Driver’s License is only required to be renewed every eight years.

Florida is renowned as a retirement destination, which means that a substantial part of the state’s population falls into the older population category, which requires a renewal cycle of every six years for those residents over the age of 80.

If you do not fall into the teenage driver category and you are under 80 years old, you are only required to take the vision test if you apply for a renewal of your license in person. For all Florida residents over the age of 80, a vision test is required for every renewal.

Mail-in or online renewal is permitted for the general Florida population and those residents over the age of 80 every other renewal cycle.

Just as with teenage drivers, the general population of Floridians on the road, and older operators of motor vehicles, the procedures and requirements for new drivers in the state of Florida are slightly different. Read on to discover how.

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What are the procedures for new residents to get a Florida driver’s license?

Even if you have a residence outside of Florida, you can be considered a new resident if you have done any of the following in the Sunshine State:

  • Enrolled your children in public school
  • Registered to vote in the state of Florida
  • Filed for a homestead exemption
  • Accepted employment within the state
  • OR resided in Florida for more than six consecutive months

As a resident, it is your responsibility to know that a motor vehicle is required by law in the State of Florida to be registered within 30 days of the owner either becoming employed, placing children in public school, or establishing residency.

If you have an out-of-state license, it might be possible to convert it to one from Florida without having to take the written or road test.

All those seeking to obtain a driver’s license in Florida are required to show proof of valid car insurance from a licensed company in the Sunshine State.

Additionally, proof of identity will be required of anyone seeking to procure a Florida state driver’s license.

Now that you know how to get a driver’s license in Florida, let us help you understand how to keep it. Keep reading to get a better grasp of how the driver point system works in the Sunshine State.

Does Florida have a negligent operator treatment system?

For every traffic law violation in Florida, the Florida Department of Highway Safety and Motor Vehicles has set forth a set number of driver points.

The following infractions all carry a weight of three points:

  • Running a stop sign
  • Failure to yield
  • Curfew violations
  • Driving with an open container
  • Child seatbelt violation
  • Driving on the shoulder

Four points can be added to your driving record for traffic tickets written because you have endangered the lives of others with your actions. Some of these things include:

  • Passing a stopped school bus
  • Speeding more than 15 MPH over the speed limit
  • Or running a red light

For more serious infractions such as the following, six points are added to your record:

  • Leaving the scene of an accident
  • Speeding resulting in an accident
  • A moving violation resulting in bodily harm

More points mean higher car insurance rates and could result in the suspension or revocation of your driver’s license. It is best to drive safely then and obey all applicable traffic laws when traveling on Florida roadways.

What are the rules of the road in Florida?

No matter which state you reside in, there will always be rules of the road. Knowing what they are in Florida could help you keep your driving record clean.

Knowing the laws and obeying them can also help you keep your cool when shopping around for the best prices on car insurance.

Keep scrolling to find out all you need to know to be a well-informed driver as you head out on the road.

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Is Florida a no-fault or at-fault state?

You have already read that Florida is a no-fault state, meaning that:

  • No-Fault coverage is meant to protect the insured by paying for their expenses in an accident.
  • After No-Fault coverage benefits are exhausted the insured can then turn to MedPay
  • When MedPay benefits have reached their limits, and if the insured is not at fault, the insured can then look towards the other party’s insurance to seek reimbursement.
  • Uninsured Motorists Coverage can cover the rest is the other party’s benefits reach their limits, but only within the limits of the uninsured motorist policy limits.

So what does it mean to be an at-fault state? Well, unlike a no-fault state, in an at-fault state, the person who was legally “at-fault” for the accident bears the liability for damages and injuries caused by the crash.

Whether you live in a no-fault state like Florida or an at-fault state like North Carolina, certain laws across all state lines, seat belt laws are one of these, but the requirements for when and where a person in a motor vehicle must buckle up varies by state law.

What are the seat belt and car seat laws in Florida?

Florida Law requires the use of safety belts as follows:

  • Safety Belts are required to be used by drivers of motor vehicles, all front-seat passengers, and all children riding in a vehicle under 18.
  • Child Restraints – Car Seats and Booster Seats are required for use on children age five and under.
  • Children ages zero to three must be in child restraint devices of a separate carrier or a vehicle manufacturer’s integrated child seat.
  • Children, ages four and five, must be in a separate carrier, an integrated child seat, or a booster seat.

Bear in mind that Florida’s safety belt law is a primary enforcement law. This means that an officer can stop you and issue you a citation simply for your failure to observe safety belt and/or restraint laws.

Florida Safety Belt Laws also require that the driver of a pick-up truck and passengers under the age of 18 wear a seat belt. Riding in the bed is forbidden if you are under 18 years of age.

Florida also has Keep Right and Move Over laws just like many other states do. Keep reading to find out what they are.

Does Florida have “keep right and move over” laws?

According to Florida statute 316.081, Florida drivers must yield by moving right if blocking traffic is in the left lane. Floridians must also move to the right and allow faster traffic to pass by them.

Florida also has a Move-Over law that was discussed in the section on Florida specific driving laws.

This Move-Over law requires drivers to slow their car down to at least 20 miles per hour below the posted speed limit to protect the lives of law enforcement or emergency personnel who are operating alongside the roadway.

Florida also has speed limits, which vary by location.

What are the speed limits in Florida?

Because speed is a factor in most traffic accidents, the state of Florida has set forth speed limits to keep its residents safe.

Generally speaking, these limits are as follows:

  • Municipal Speed Areas………………..30 MPH
  • Business or Residential Areas………30 MPH
  • Rural Interstate Limited………………..70 MPH
  • Limited Access Highways…………….70 MPH
  • All other Roads and Highways……….55 MPH
  • School Zones…20 MPH

Violation of these speeding restrictions can result in a traffic citation and between 3-4 driver points on your record, depending on the situation.

Does Florida have ridesharing services?

Ridesharing services nationwide are on the rise. Anyone wishing to engage in driving for a rideshare company in Florida should brush up on the car insurance requirements for this endeavor before taking on their first fare.

While rideshare drivers in Florida are required to carry the minimum amount of car insurance requirement, Florida also has an additional law that requires rideshare drivers to carry much more coverage.

Rideshare drivers must have at least $1 million in liability coverage for property damage, physical injury, and death. They must also carry the PIP insurance minimums that apply to all drivers. Even when an Uber or Lyft driver isn’t actively driving a passenger, they still must have $50,000 in physical injury or death liability coverage that applies anytime a driver has the app on to look for a customer.

Like ridesharing has increased in popularity, so has the use of automation and crash avoidance devices. Read on to find out what this means to you.

Does Florida allow automation on the road?

The use of automation and crash avoidance devices technology is on the rise. It makes sense given the fact that they have been proven to help reduce crashes.

Things such as back-up cameras and collision avoidance systems can help drivers see and avoid obstacles before impact, but what about full automation?

Recognized as one of the nation’s leaders in self-driving technology, Florida is currently working on expanding the Self-Driving Car Law. If the Florida legislature has anything to say about it, then driverless cars could be very soon in the Sunshine state.

If the law passes, then more laws regulating its use are sure to follow, as are ones regarding the insurance required by the companies that operate them.

What are Florida’s safety laws?

There are several laws on the books in Florida that are designed to keep Floridians safe while on the road. Some of these include DUI laws and laws that regulate distracted driving.

Partying and texting have their place, but not behind the wheel. Scroll down to find out how the state of Florida deals with such bad decisions.

What are the DUI laws in Florida?

Drinking and driving is nothing to celebrate. According to Responsibility.org, Florida suffered 839 Alcohol-Impaired Driving fatalities in 2017 alone.

The penalties for driving while impaired are stiff, and they should be. Take a look at what it could cost you to take your party on the road.

  • First Offense up to six months in jail, $500-$2,000 fine/penalty, and between 180 days to a year of license suspension.
  • Second Offense up to nine months in jail, $1,00-$4,000 fine/penalty, and between 1-5 years of license suspension.
  • Third Offense 30 days to five years in jail, $2,000-$5,000 fine/penalty, and 2-10 years of license suspension.

It is just not worth the risk. As we say in Florida: Arrive Alive.

Does Florida have marijuana-impaired driving laws?

While it is now legal to partake in medical marijuana in the Sunshine State, it is still illegal to drive while under its influence.

Penalties and fines for driving while under the influence of drugs are just as stiff as they are for DUIs. Take a look:

  • First offense – a fine of $500 -$1,000, up to six months in jail, 180 days to one-year license suspension, 50 hours community service, and a 10-day vehicle impoundment/immobilization.
  • Second offense –a fine of $1,000 -$2,000, up to nine months in jail, a mandatory ignition interlock,180 days to one-year license suspension, a mandatory one year of probation, a required psychosocial evaluation, 50 hours of community service, and a 10-day vehicle impoundment/immobilization.
  • Third offense – a fine of $2,000 – $5,000, up to jail up to 12 months in jail, a mandatory ignition interlock, one-year license suspension, a mandatory year of probation, a required psychosocial evaluation, 50 hours community service, and a 90-day vehicle impoundment/immobilization.
  • The third offense within ten years of the second offense is a felony. It carries a minimum fine of $2,000- $5,000, up to 30 days to five years in jail, a mandatory ignition interlock, a 10-year mandatory license suspension, a mandatory year of probation, a required psychosocial evaluation, 50 hours community service, and a 90-day vehicle impoundment/immobilization.
  • Fourth offense-This is a 3rd-degree felony, and penalties include up to $5,000 in fines, a five-year prison sentence, and the penalties imposed for the third offense.

In short, Florida is not kidding around, so make sure that you choose not to get behind the wheel while under the influence.

What is considered distracted driving in Florida?

While texting and driving may not seem as bad to some as getting behind the wheel while under the influence of drugs or alcohol, it is not without consequences, and in the state of Florida, you will be penalized for it.

As of July 1, 2019, texting and driving will become a primary offense in the Sunshine State. Florida also has a ban on the use of all handheld devices while operating a motor vehicle with only the following exceptions:

  • When performing official duties as an operator of an authorized emergency vehicle as defined in s.322.01.
  • If you are reporting an emergency or criminal or suspicious activity to law enforcement authorities.
  • When you are receiving messages related to the operation or navigation of the motor vehicle or safety-related information
  • When using the device or system for navigation purposes
  • If you are conducting wireless interpersonal communications that do not require manual entry of multiple letters, numbers, or symbols
  • When conducting wireless interpersonal communications that do not require reading text messages
  • Or if you are operating an autonomous vehicle, as defined in s. 316.003

AAA also notes:

A cellular phone with a headset is permitted while driving if the sound is provided through one ear and allows surrounding sounds to be heard with another ear. Localities are prohibited from regulating the use of commercial mobile radio services, including cell phones.

Driving while distracted is never a good idea. The risk of accidents and traffic tickets just isn’t worth it.

What do you need to know about driving in Florida?

As you have seen so far, driving in Florida does not come without risk. The risks extend off the road as well.

Everything from road debris to vehicle theft and break-ins can cause you frustration and confusion that you never signed on for. Keep scrolling to find out how you can prevent theft or loss of your property and road fatalities.

What are the number of vehicle theft stats in Florida?

The number one car stolen in the Sunshine State is the Ford Pickup.

Florida's Top 10 Most Stolen Vehicles

Make/ModelRankVehicle YearThefts
Ford Pickup (Full Size)1
20062,070
Honda Civic220001,127
Nissan Altima320151,098
Toyota Camry420141,089
Honda Accord519971,025
Toyota Corolla62014914
Chevrolet Pickup (Full Size)72015786
Chevrolet Impala82015542
Dodge Pickup (Full Size)92005534
Nissan Maxima102014479

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Even if you don’t own any of the vehicles on this list, it is still good to invest in comprehensive car insurance just in case. Comprehensive covers your vehicle should it be stolen, vandalized, or a natural disaster occurs.

Because thieves and natural disasters don’t discriminate any more than deer strikes do, an investment in comprehensive coverage can give you the peace of mind you need.

What are the number of vehicle thefts by the city?

The data below was gathered from the FBI website and shows the top 10 cities in Florida when it comes to the amount of vehicle theft.

Florida's Top 10 Motor Vehicle Thefts by City

CityMotor Vehicle Thefts
Miami1,914
Jacksonville1,577
St, Petersburg1,124
Orlando1,020
Hialeah708
Hollywood572
Ft. Lauderdale567
Tampa553
Miami Gardens478
Tallahassee440

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Looking at the numbers could fool you into thinking that cities like Jacksonville or Miami are dangerous places to live.

The reality is that these are two of Florida’s largest cities, so the rate of car theft within them is relative considering their population size. Still, it is not a bad idea to consider carrying additional coverage options beyond the minimum state requirements.

What are the road fatality statistics in Florida?

No one likes to think about it, but sometimes driving can result in fatalities as a result of driver error or weather conditions.

Keep reading to see how Florida rates in this regard.

How do weather and light conditions affect fatal crashes?

When it comes to the causes of an accident, negligence, distracted driving, and drugs or alcohol are not the only factors. Sometimes something as every day as weather conditions or light conditions can cause a traffic incident.

Florida Weather Conditions Accidents

Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal
Normal1,12580165814742,735
Rain61473150144
Snow/Sleet000000
Other38243240
Unknown012003
TOTAL1,18985771515562,922

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Rain or driving can have an impact on driving conditions and your ability to handle your motor vehicle.

This is important to consider for Floridians shopping for car insurance and deciding on coverage types.

Driving defensively and obeying the traffic laws can go a long way towards keeping you safe then as conditions change.

What are the fatalities by county in Florida?

Below is a table showing the five-year trend for the top 10 counties in Florida and their fatalities.

Florida's Top 10 Counties with the Most Fatalities

Florida Counties by 2017 Ranking2013
Fatalities
2014
Fatalities
2015
Fatalities
2016
Fatalities
2017
Fatalities
Miami-Dade County225280339294285
Broward County180173224245225
Hillsborough County171158190228190
Orange County124143142171189
Palm Beach County137130187181162
Duval County133120133156151
Volusia County908687122130
Pinellas County83116103128118
Lee County928195105113
Polk County94113112137111

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These numbers can seem scary if you live in one of these counties, but they don’t have to be. Defensive driving and obeying all traffic laws and posted speed limits can go a long way towards preventing anything from happening to you or the ones you love.

Do urban or rural areas have more traffic fatalities in FL?

Those who live in higher populated areas are more likely to be involved in a traffic accident.

Traffic fatalities do occur in rural areas, though. Generally, they are caused by the top two things that cause almost all fatalities on Florida’s roadways: speed and driving under the influence.

Florida Traffic Fatalities by Road Type

Traffic Fatalities20132014201520162017
Total2,4032,4942,9383,1763,112
Rural969634859870674
Urban1,4341,8601,9722,2751,731

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The choice is simple then really; slow down, entertain responsibly, and obey all traffic laws and speed limitations while operating a motor vehicle.

The NHTSA has collected data on a variety of ways to sort the fatality data for Florida. Keep scrolling to find out what these statistics mean to you.

How do fatalities vary by person type?

The data collected by NHTSA reveals that white-occupants and non-occupants are the most likely to become fatality statistics in an accident involving an automobile in Florida.

The second most likely to die in a car crash, both as occupants and non-occupants, are Hispanics followed closely by black, non-Hispanics.

What this means is that everyone who drives in Florida should do so defensively. Drivers in the Sunshine state should also follow all traffic laws and posted speed limits.

What type of crashes have the most fatalities?

NHTSA has also determined that accidents involving a single vehicle are the ones that are involved in the highest number of fatal crashes. Many of these fatal car accidents also involve a road departure.

Keeping your eye on the road and being aware of your surroundings at all times can help you limit the chances that you could become just another number.

Keeping both hands on the wheel and avoiding distracted driving can also lower the chances of you or someone you love losing their life on a Florida highway.

What are the fatalities involving speed by county?

We are all in a hurry to get somewhere, and everyone is pressed for time nowadays. Rushing around could cause a big delay though if your desire to get somewhere in a hurry results in a car accident.

Florida Traffic Fatalities from Speeding by County

County2013 Speeding Fatalities 2014 Speeding Fatalities 2015 Speeding Fatalities 2016 Speeding Fatalities 2017 Speeding Fatalities
Alachua County93568
Baker County01011
Bay County23275
Bradford County01010
Brevard County1168915
Broward County2819302822
Calhoun County00000
Charlotte County32352
Citrus County30222
Clay County00132
Collier County62112
Columbia County25223
Desoto County00630
Dixie County50000
Duval County1654911
Escambia County106238
Flagler County23112
Franklin County11000
Gadsden County00164
Gilchrist County30101
Glades County11101
Gulf County20000
Hamilton County00214
Hardee County00000
Hendry County13032
Hernando County20510
Highlands County01302
Hillsborough County3427302722
Holmes County00400
Indian River County01230
Jackson County22342
Jefferson County20301
Lafayette County20100
Lake County50632
Lee County1513181221
Leon County35733
Levy County32721
Liberty County00010
Madison County30000
Manatee County33151
Marion County969710
Martin County03282
Miami-Dade County3125293023
Monroe County32011
Nassau County20010
Okaloosa County24132
Okeechobee County11003
Orange County1610101019
Osceola County42100
Palm Beach County1915373118
Pasco County22764
Pinellas County716141316
Polk County159181113
Putnam County41201
Santa Rosa County53102
Sarasota County526114
Seminole County85355
St. Johns County56214
St. Lucie County50334
Sumter County32200
Suwannee County72223
Taylor County00011
Union County00000
Volusia County1388129
Wakulla County11001
Walton County04123
Washington County01001

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According to NHTSA, Broward, Miami-Dade, Hillsborough, and Lee counties were the top four fatal crashes involving speed.

Speed is also one of the top reasons for traffic accidents in the Sunshine State overall.

Almost 10% of the total fatal crashes in 2017 were caused by speed. It is better to arrive late than not at all, so slow down and watch where you are going. Your family and friends will thank you for it.

How many fatalities happen in crashes involving an alcohol-impaired person?

Next to speeding, drunk driving is one of the top reasons for auto accident fatalities in the state of Florida.

Florida Traffic Fatalities from Alcohol-Impaired Driver by County

County2013 alcohol fatalities2014 alcohol fatalities2015 alcohol fatalities2016 alcohol fatalities2017 alcohol fatalities
Alachua County9813914
Baker County12452
Bay County4129155
Bradford County21021
Brevard County1415252522
Broward County5142566657
Calhoun County00101
Charlotte County6651012
Citrus County364713
Clay County34896
Collier County712964
Columbia County34846
Desoto County044310
Dixie County60513
Duval County3939395344
Escambia County2411141215
Flagler County512366
Franklin County11010
Gadsden County20758
Gilchrist County10102
Glades County31405
Gulf County21101
Hamilton County12134
Hardee County16012
Hendry County43353
Hernando County64769
Highlands County53674
Hillsborough County5647547044
Holmes County00214
Indian River County29976
Jackson County44553
Jefferson County20030
Lafayette County20111
Lake County227151615
Lee County2419333338
Leon County61481410
Levy County451017
Liberty County10011
Madison County22131
Manatee County1215132015
Marion County1212141922
Martin County4510108
Miami-Dade County5173817366
Monroe County93793
Nassau County32564
Okaloosa County6101246
Okeechobee County53213
Orange County3342446051
Osceola County1110101219
Palm Beach County3632465440
Pasco County1613232024
Pinellas County2240244334
Polk County2627343329
Putnam County51091310
Santa Rosa County154724
Sarasota County87172116
Seminole County911121210
St. Johns County5109910
St. Lucie County714799
Sumter County56346
Suwannee County63542
Taylor County11015
Union County11211
Volusia County2526214038
Wakulla County12034
Walton County87359
Washington County10012

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How does Florida rank with teen drinking and driving?

Florida ranks 47th nationwide in the number of DUI arrests of people under the age of 18. In fact, in 2018 alone, there were 109 such arrests.

Be aware that if you are caught drinking and driving while under the age of 21, your sentencing could include:

  • If you are under 21 Driver with a BAC of .02% or above (first offense): your driver’s license will be suspended for six months. If this is not your first offense, then your license will be suspended for one year.
  • If you are a driver who is under 21, and you refuse the breath or blood test, your driver’s license will be suspended for one year. If this is your second or more refusal, you will lose your license for 18 months.
  • Drivers who are under 18 Driver with a BAC of .02% or above will be charged with DUI and will face a six-month license suspension for their first offense and a mandatory evaluation at an addictions facility and/or be forced to complete an alcohol education program.
  • If you are under 21 with a BAC of .08% or above, you face DUI’s possible conviction. If found guilty, you will be subject to the same penalties as a driver aged 21 or older.

If you are a teenager who is considering underage drinking, then it is best to reconsider. The fines, penalties, and damage to your future are not worth the risk, not to mention that you could lose your life.

What is the EMS response time in Florida?

Should you be involved in an accident with injuries, it is nice to know that help is just a phone call away.

The response time may vary for you, depending on whether your accident occurred in an urban or rural setting.

If you are in a rural setting, the time it takes to get to you from the moment EMS has been notified that you need assistance is about 10 minutes. This is also the typical time that it takes in an urban setting. Very rarely is the wait time over 20 minutes in either setting as well.

This is not a bad response time either when you consider that rural fatality crashes require an EMS assistance total of around 6,800 with an urban fatality crash totaling around 7,000.

This means that 49% of the time in a rural setting, and 83% of the time in urban ones, the EMS is on the scene in less time than it takes to boil noodles.

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What types of transportation are available in Florida?

There are a lot of ways to get around in the Sunshine State. From boat to bus, from the trolly to the tram, Floridians are on the go.

Given the independent nature of Floridians, it should be no surprise that most residents prefer to get around using their private automobiles.

More cars mean more traffic incidents, as we mentioned before. Keep reading to find out what this means for you and your quest to find the right car insurance provider to suit your needs.

What is Florida’s car culture?

With the deep blue waters of the Atlantic Ocean to the east and dazzling aquamarine water of the Gulf of Mexico to the west, Florida boasts 8,436 miles of coastline.

Florida is also one of the top tourist destinations in the United States, and it maintains almost 123,000 miles of roadways to help you seek out adventure.

Some of the most popular ways to get around in Florida include:

  • Public Transit
  • Bicycle
  • Amtrak
  • Local Shuttle Services
  • Private Automobile

It is not just tourists that are on the go in the Sunshine State either. On average, with tourists and Floridians combined, the total daily miles traveled in the state are 588,062,806 miles.

Whether you are on your way to work, headed home after a long day, or are just one of the many tourists who are off to visit one of this state’s theme parks in the Orlando area.

How many people own cars in Florida?

In 2017 Data USA reported that the typical Florida household owns two cars, as the chart below demonstrates.

Owning two cars means twice the price when it comes time to shop for car insurance, which is where we can help by providing you the data that you need to make an informed decision.

Given the average commute time in Florida, you will need this information to determine just how much coverage you will need.

What is the average commute time?

As we talked about before, how far you drive annually is one of the markers that car insurance providers use to determine your rate. The chart below gives you a good idea of how long it takes Floridians to get where they are going.

As you can tell, the car culture of independence and freedom is alive and well on Florida’s roadways resulting in average commute time for drivers around 30-34 minutes.

This is close to the national average so, even as it may seem like the commutes in Florida take forever, residents of the Sunshine State are not spending more time in traffic than the other Americans across the country, relatively speaking.

What does commuter transportation look like in Florida?

Looking at the chart below makes it clear just how independent Florida drivers are. With more drivers who choose to drive alone, this means more cars on the road, and that means that who you choose as your car insurance provider in the Sunshine State makes a huge difference.

Although the chart above does not reflect it, many Floridians who walk or ride their bicycle might benefit from having the right elements and terms of car insurance coverage to protect them even as cyclists and pedestrians.

PIP coverage can help them out should they ever get struck by a car.

This is all the more reason to understand car insurance and the overall car culture in Florida’s great state before you decide on your car insurance provider.

How bad is traffic congestion in Florida?

According to World Atlas, the five biggest cities in Florida are:

  • Miami with a population of approximately 5,502,379
  • Tampa-St. Petersburg with a population of approximately 2,441,770
  • Orlando with a population of approximately 1,510,516
  • Jacksonville with a population of approximately 1,065,219
  • Sarasota-Bradenton with a population of approximately 643,260

It is no surprise then that these cities also rank among the top cities with the most congestion. More congestion translates into more time to get where you want to go within these cities as well.

Miami ranked as the 73rd most congested city in the world. Congestion costs the average driver in Miami $1,470 a year. Drivers in Tampa pay a similar cost of $1,216 per year in this city ranked 87th.

The largest cities in Florida are not the only ones with congestion headaches.

Floridians ranked 12th nationally in 2014 when it came to how congested it was. Floridians also lost 52 hours per auto commuter to congestion-related delays.

41% of total delay occurred at midday and during overnight hours, not during peak times of the day.

Overall, congestion costs Floridians around $8.75 billion annually in 2014, and as the population of the Sunshine State increases, this amount is likely to go up as well. This is something to think about as you start to look around at your options regarding car insurance.

All of the information that we have provided is aimed at helping you become an informed consumer when sifting through your options for a car insurance provider.

After all, Florida drivers spend a lot of time in traffic, and time is money, so, as one of them, shouldn’t you get the most for your money when shopping for car insurance?

If you’re ready to get affordable Florida car insurance right now, enter your ZIP below to get started. Compare rates and buy Florida car insurance online today.

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Frequently Asked Questions: Florida Car Insurance

Let’s wrap up the Florida car insurance guide with a few frequently asked questions. These questions appear on search engines across the internet, and we want to make sure we get everything we can for you. for general information about car insurance, visit our car insurance guide for more information.

#1 – Who has the cheapest car insurance in Florida?

State Farm, Geico, and USAA have the cheapest car insurance rates in Florida.

#2 – How much is car insurance in Florida per month?

The average cost of car insurance in Florida is $180 per month.

#3 – What is the best car insurance in Florida?

Allstate, State Farm, Geico, and Liberty Mutual are the best car insurance companies in Florida.

#4 – Is car insurance high in Florida?

Yes. Florida is one of the top three most expensive states for car insurance, according to Autolist. Why is car insurance so high in Florida?

Car insurance is expensive due to the number of claims that are reported by customers. Most of all, Florida car insurance is expensive because the number of uninsured drivers is almost 30%.

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Average Monthly Car Insurance Rates by Age & Gender in Florida
Florida Car Insurance Rates by Company vs. State Average
Florida Car Insurers by Market Share %
Factors Affecting Car Insurance Rates in Florida
Average Monthly Car Insurance Rates by Age & Gender in Florida
Florida Car Insurance Rates by Company vs. State Average
Florida Car Insurers by Market Share %
Factors Affecting Car Insurance Rates in Florida