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Cheapest Car Insurance In Florida
You’ll need car insurance to confidently navigate Florida’s highways, especially considering that an estimated 1 in every 5 drivers doesn’t have auto insurance, according to data from the Insurance Research Council.
However, it’s not always simple to find cheap car insurance in the Florida. Our analysis shows that Florida has the second-highest national average cost for complete coverage.
Read on to see the cheapest car insurance in Florida by driving history, plus the state-mandated minimum requirements. If you’re looking for the best auto coverage, check out our list of the best car insurance in Florida.
Cheapest Car Insurance in Florida for Good Drivers
Geico has the cheapest car insurance for most good drivers in Florida. Drivers who have never had an accident or received a citation are considered good drivers by insurers and pay less for insurance than drivers with bad records. In addition to low rates, good drivers can often qualify for additional discounts from their insurance company.
Florida Auto Insurance Laws
Car insurance is mandatory in almost every state. In Florida — which is a no-fault state — the requirements for car insurance coverage differ from most other states. Rather than requiring bodily injury liability coverage (which is usually mandatory), Florida doesn’t require it. Instead, personal injury protection (PIP) is relied upon to cover injuries.
If you choose the legal minimum coverage level in Florida, expect to pay an average of $754 annually. This rate is less expensive than the nationwide average by 51%.
Cheapest Car Insurance in Florida for Full Coverage
State Farm has cheap full coverage at $1,698 per month, which is only $8 more expensive per year than Geico. State Farm could offer cheaper rates than Geico if you want to bundle home or renters insurance thanks to State Farm’s better bundling discounts.
The average cost of full-coverage car insurance in Florida is $3,077 per year, or $256 per month.
