The Cheapest Car Insurance in Florida for November 2024

Finding cheap car insurance in Florida isn’t easy. The average cost of car insurance in Florida has historically been among the most expensive in the country, according to NerdWallet’s analysis.

The state’s high insurance costs are due to a variety of factors. Florida is not only a magnet for hurricanes and crash-related lawsuits, but it also has more traffic fatalities

[1]

and uninsured drivers

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than most states. Florida’s roadways also continue to fill with new residents and tourists.

But all hope is not lost. Read on to find the cheapest car insurance in Florida by age, driving history and more. If you’re looking for the best auto coverage, check out our list of the best car insurance in Florida.

Cheap car insurance in Florida

Your car insurance bill will look very different depending on the type of coverage you get. Here are the companies with the cheapest median rates for full coverage and minimum coverage, according to NerdWallet's November 2024 analysis.

But there are many factors beyond the coverage types you get that impact how much you’ll pay for a policy, including if you’ve been in an accident, have a recent speeding ticket or even have poor credit. Here are the cheapest companies for full coverage in Florida for 35-year-old drivers with different driving profiles.

If you’re looking for the cheapest car insurance near you, NerdWallet analyzed rates for some of the largest Florida cities.

• Find your city

  • Fort Lauderdale.

  • Jacksonville.

  • Miami.

  • Orlando.

  • St. Petersburg.

  • Tampa.

• How we chose the cheapest companies in Florida

  NerdWallet’s editorial team analyzed car insurance rates from 11 auto insurers in Florida and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2021 Toyota Camry LE.

  You’ll find rates for both minimum and full coverage on this page. “Minimum coverage” is the bare minimum car insurance you’re required to have to drive legally. In Florida, that means property damage liability and personal injury protection insurance.

  Meanwhile, full coverage insurance offers greater financial protection on the road, but costs more than minimum coverage. While it’s not required to drive in Florida, the extra cost of full coverage may be worth the peace of mind next time you hop on I-4.

  Here are the coverage limits we included in our analysis for full coverage:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Cheap auto insurance in Florida for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage car insurance in Florida for 20-year-olds

Drivers in Florida with clean driving records may want to consider the following companies, which had the lowest average rates:

Cheapest minimum coverage car insurance in Florida for 20-year-olds

Drivers in Florida who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

Cheapest car insurance in Florida for 20-year-olds with poor credit

Drivers with poor credit in Florida should look at the following insurers with the lowest average rates for minimum coverage:

Cheapest car insurance in Florida for 20-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Florida, here are the companies with the lowest average rates for minimum coverage:

Cheapest car insurance in Florida for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in Florida, here are the companies with the lowest average rates for minimum coverage:

Cheapest car insurance in Florida for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

Cheap auto insurance in Florida for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in Florida for 30-year-olds

Drivers in Florida seeking full coverage auto insurance can check with the following companies, which had the lowest average rates:

Cheapest minimum coverage car insurance in Florida for 30-year-olds

Drivers in Florida who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

Cheapest car insurance in Florida for 30-year-olds with poor credit

Drivers with poor credit in Florida should consider the following companies with the lowest average rates for minimum coverage:

Cheapest car insurance in Florida for 30-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Florida, here are the companies with the lowest average rates for minimum coverage:

Cheapest car insurance in Florida for 30-year-old drivers with one at-fault crash

For drivers in Florida with a recent accident, here are the lowest average rate options for minimum coverage:

Cheapest car insurance in Florida for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for minimum coverage.

Cheap auto insurance in Florida for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Florida for 40-year-olds

Drivers in Florida with clean driving records may want to think about the following companies, which had the lowest average rates:

Cheapest minimum coverage car insurance in Florida for 40-year-olds

Drivers in Florida who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

Cheapest car insurance in Florida for 40-year-olds with poor credit

Drivers with poor credit in Florida can check out the following insurers with the lowest average rates for minimum coverage:

Cheapest car insurance in Florida for 40-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Florida, here are the companies with the lowest average rates for minimum coverage:

Cheapest car insurance in Florida for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in Florida, here are the companies with the lowest average rates for minimum coverage:

Cheapest car insurance in Florida for 40-year-old drivers after a DUI

The cheapest minimum coverage auto insurance we found for drivers with a DUI came from the following companies.

Cheap auto insurance in Florida for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.

Cheapest full coverage car insurance in Florida for 50-year-olds

Drivers in Florida with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

Cheapest minimum coverage car insurance in Florida for 50-year-olds

Drivers in Florida who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

Cheapest car insurance in Florida for 50-year-olds with poor credit

Drivers with poor credit in Florida can check with the following companies, which showed the lowest average rates for minimum coverage:

Cheapest car insurance in Florida for 50-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Florida, here are the companies with the lowest average rates for minimum coverage:

Cheapest car insurance in Florida for 50-year-old drivers with one at-fault crash

For drivers living in Florida with a recent accident, here are the insurers with the lowest average minimum coverage rates:

Cheapest car insurance in Florida for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for minimum coverage.

Cheap auto insurance in Florida for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Florida for 60-year-olds

Drivers in Florida with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

Cheapest minimum coverage car insurance in Florida for 60-year-olds

Drivers in Florida who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

Cheapest car insurance in Florida for 60-year-olds with poor credit

Drivers with poor credit in Florida can look at the following companies with the lowest average rates for minimum coverage:

Cheapest car insurance in Florida for 60-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Florida, here are the companies with the lowest average rates for minimum coverage:

Cheapest car insurance in Florida for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in Florida, here are the companies with the lowest average rates for minimum coverage:

Cheapest car insurance in Florida for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for minimum coverage.

Cheap auto insurance in Florida for 70-year-old drivers

Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.

Cheapest full coverage car insurance in Florida for 70-year-olds

Drivers in Florida with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

Cheapest minimum coverage car insurance in Florida for 70-year-olds

Drivers in Florida who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

Cheapest car insurance in Florida for 70-year-olds with poor credit

Drivers with poor credit in Florida can look at the following companies with the lowest average rates for minimum coverage:

Cheapest car insurance in Florida for 70-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Florida, here are the companies with the lowest average rates for minimum coverage:

Cheapest car insurance in Florida for 70-year-old drivers with one at-fault crash

For drivers with a recent accident living in Florida, here are the companies with the lowest average rates for minimum coverage:

Cheapest car insurance in Florida for 70-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for minimum coverage.

How to get cheap car insurance in Florida

No matter how old you are or what your driving history is, there are a few steps you can take to get cheap car insurance in Florida. Here are some simple ways to get a better deal:

• Shop around. Car insurance companies regularly change their pricing models. That’s why NerdWallet recommends comparing car insurance quotes from multiple insurers at least once a year to get the best rate possible.

• Ask about discounts. Many car insurance companies offer a suite of discounts to entice new customers. It may be worth checking with your insurer to see if there are any car insurance discounts you may be eligible for that you’re not currently getting.

• Drop unnecessary coverage. You can lower your car insurance premiums by getting rid of optional coverage types you no longer need. For example, comprehensive and collision insurance cover repairs for damage to your vehicle in a variety of situations, up to the market value of your car. If you own an older car that’s not worth much, you can likely drop these coverage types.

• Raise your deductible. A car insurance deductible is the amount of money you pay out of pocket before your car insurance kicks in. The higher your deductible, the lower your car insurance premium. Just make sure you have enough money stashed away to cover the higher amount. In Florida, you’ll likely have deductibles for personal injury protection insurance and comprehensive and collision insurance, if you have it. 

• Build your credit. Because car insurance companies in Florida use a credit-based insurance score to price policies, drivers can get a better rate by keeping their credit score high.

» MORE: How to save on car insurance

Minimum car insurance requirements in Florida

At a minimum, Floridians must carry property damage liability and personal injury protection (PIP) in the following amounts:

• $10,000 property damage liability per accident.

• $10,000 personal injury protection.

Property damage liability insurance covers the cost of other people’s property you damage in a car accident, up to your policy’s predefined limits.

PIP insurance in Florida covers your medical bills and other expenses if you’re injured in a car crash, up to your policy limits, no matter whose fault it was.

We recommend buying more than the bare minimum when it comes to all parts of your auto liability insurance, if you can afford it. You might want added protection from optional coverages such as collision, comprehensive and uninsured motorist insurance. For example, comprehensive insurance can cover car damage from flooding, fallen objects and more next time another Hurricane Ian strikes.

Check out NerdWallet’s guide to Florida auto insurance requirements for more details on coverage you might want on your Florida auto policy. And for more help finding cheap car insurance in Florida, try NerdWallet’s car insurance comparison tool.

» MORE: The best home insurance in Florida

No-fault insurance in Florida

Florida is one of several states that has a no-fault car insurance system, but it’s one of only two that doesn’t require any bodily injury liability coverage.

In most states, drivers who are injured in a car accident caused by someone else will seek reimbursement from the at-fault motorist’s insurance company. The claim and payout come from that person’s bodily injury liability coverage.

Under Florida’s no-fault system, all people involved in a crash first make injury claims to their own PIP coverage and payouts are capped at 80% of the bills. If injuries from the accident are considered “serious” under Florida law, the at-fault driver’s bodily injury liability pays for additional costs. Serious injuries include at least one of the following:

• Significant disfigurement or scarring.

• Permanent limitation of a body organ or member.

• Significant limitation of a body function or system.

Injuries that meet this definition are grounds for a lawsuit in Florida. Drivers with bodily injury coverage can use it to pay for legal fees as well as the injured person’s medical costs, but anyone with only the minimum required coverage — that is, no bodily injury coverage — would have to pay out of pocket if they were at fault.

To complicate things further, drivers can also be partially at fault for a crash. Florida has a “comparative fault” statute, meaning that two drivers can share responsibility for an incident. In a lawsuit, a jury could assign 30% of the responsibility to the injured driver, who would then be entitled to only 70% of the total damages from the other driver.

Insurance companies don’t just absorb those costs. As in many states that require personal injury protection coverage, drivers in Florida tend to pay more for car insurance, on average, compared with those in non-PIP states.