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Complete Guide to Car Insurance in Florida
Everything you need to know to choose the best car insurance policy in the state of Florida.
Overview of Car Insurance in Florida
The average cost of car insurance in Florida is approximately $227 per month for full coverage...
However, drivers in Florida can still find affordable auto insurance by comparing rates...
If you're looking for cheap car insurance in Florida, it's important to consider:
- The type of coverage you need
- Your driving history
- The financial strength of the insurer
- Available discounts
Quick Facts
- The cheapest insurance depends on your profile. At Univista, we compare options to get you the best real rate.
- Pricing varies by ZIP code and driving history
- Florida requires PIP and PDL coverage at minimum
Factors That Influence the Cost of Car Insurance in Florida
When getting car insurance in Florida, it's important to understand the factors that determine your final policy price. Below, we explain the key elements that affect your auto insurance rate.
1. Driver's age and experience
Young drivers, especially under 25, often pay higher premiums due to limited driving experience. Older drivers with a clean record typically receive better rates.
| Age | Monthly Average | Perceived Risk |
|---|---|---|
| 18–24 years | $240 – $290 | High |
| 25–40 years | $170 – $210 | Medium |
| Over 40 years | $110 – $150 | Low |
2. Driving history
Insurance companies look at your accident record, speeding tickets, and major violations. A clean driving record can significantly lower your insurance costs.
3. Vehicle location
Your area of residence impacts the premium. High-traffic or high-theft cities like Miami or Tampa usually have higher rates. ZIP code is key in risk assessment.
| City | Minimum Coverage | Full Coverage |
|---|---|---|
| Miami, FL | $135 – $150 | $265 – $275 |
| Orlando, FL | $110 – $125 | $185 – $195 |
| Jacksonville, FL | $100 – $115 | $155 – $170 |
4. Type of vehicle insured
The vehicle’s value, safety features, make, and model year also affect the price. Sports and luxury cars usually have higher premiums.
5. Selected coverages
Choosing only the mandatory minimum coverage lowers your cost but leaves you more exposed. Full coverage including liability, collision, and comprehensive increases your premium but offers better protection.
6. Credit score
In many states including Florida, insurance companies consider your credit score to calculate your rate. Good credit can lead to significant savings.
| Credit Score | Impact on Premium |
|---|---|
| Excellent (750+) | Eligible for discounts |
| Average (650–749) | Standard rate |
| Poor (under 650) | Higher premium |
Univista Tip
At Univista Insurance, we help you compare rates and find the best auto insurance quote for your profile. Speak with one of our experts by calling (305) 000-0000.
What Does Florida Law Require?
Florida has specific legal requirements for car insurance that all drivers must meet to operate their vehicles legally in the state. These regulations are designed to protect both the driver and others in the event of an accident.
Minimum legal obligations include:
- Having valid insurance when registering the vehicle
- Keeping the policy active at all times while the vehicle remains registered
- Avoiding driving without insurance, which may result in license suspension
Additionally, the state sets a minimum level of mandatory coverage that must include the following protections:
| Type of Coverage | Minimum Requirement in Florida | What It Covers |
|---|---|---|
| Personal Injury Protection (PIP) | $10,000 | Medical expenses for the driver and passengers, regardless of who is at fault |
| Property Damage Liability (PDL) | $10,000 | Damage to other people’s property or vehicles in an at-fault accident |
While these are the minimum coverages required by law in Florida, it’s highly recommended to consider additional protections such as collision, comprehensive, or roadside assistance for more complete coverage.
Key Facts
- Insurance is mandatory even if the vehicle is not in use but remains registered
- Driving without insurance can result in fines and immediate license suspension
- PIP coverage is part of Florida's “no-fault” insurance system
Tips to Lower Your Car Insurance Premium
Looking for cheaper car insurance in Florida? These practical tips can help you significantly reduce your monthly premium without sacrificing coverage. Below are the top strategies backed by insurance industry experts.
- Compare quotes every 6 months: Prices vary across insurers, and frequent reviews can uncover better deals.
- Aprovechar descuentos: comparar entre varias aseguradoras permite acceder a tarifas reducidas por historial de manejo, perfil académico o características del vehículo.
- Increase your deductible: If you can afford a higher deductible in case of a claim, your monthly premium will be lower.
- Bundle your policies: Combining your car insurance with home insurance may qualify you for significant savings.
- Avoid small claims: Filing minor incidents may raise your premium. It's often better to cover them out of pocket when possible.
- Drive responsibly: Maintaining a clean driving record with no accidents or violations is essential to keeping your premium low.
- Improve your credit score: In Florida, credit plays a role in your insurance rate. A higher score can lead to substantial savings.
Estimated Savings by Strategy
| Strategy | Estimated Impact | Ease of Implementation |
|---|---|---|
| Good driver discount | Significant reduction | High |
| Increase your deductible | Moderate savings | Medium |
| Bundle policies (auto + home) | Relevant potential savings | High |
| Improve your credit score | Progressive benefit | Gradual |
| Avoid small claims | Depends on history | High |
Quick Saving Facts
- Check your quotes twice a year
- Your credit score can significantly influence the cost of your policy
- Bundling policies is one of the most effective ways to save
FAQ: Top Questions from Drivers in Florida
Is car insurance mandatory in Florida?
Yes. You must have a valid policy with minimum PIP and PDL coverage.
What happens if I drive without insurance?
You may face fines, license suspension, and vehicle registration cancellation.
Which companies offer the best rates?
State Farm, GEICO, and Progressive typically offer competitive rates in Florida.
Can I lower my premium if I drive less?
Yes, consider pay-per-mile or limited-use insurance options.
How does my credit score affect my premium?
In Florida, having a good credit score can help lower your insurance costs.
Quick FAQ About Car Insurance in Florida
Still have questions before getting a quote? Here are the most common ones we receive at Univista Insurance.
How much does full coverage car insurance cost?
The average in Florida is $227/month, but you can pay less by comparing quotes.
What does PIP coverage include?
It covers medical expenses, lost income, and more—regardless of fault.
Can I insure a car without a license?
Yes, but it depends on the insurer. Some allow a primary driver with a license to be listed.
What should I do if my premium goes up for no reason?
Contact your insurer for a review or get a quote with Univista to find a better rate.
Additional Tips
- Always carry a digital and physical copy of your insurance policy
- Verify your insurer is authorized by the Florida Office of Insurance Regulation
- Consider adding uninsured motorist (UM) coverage
*The information and values shown are estimates based on real quotes. Rates may vary depending on driver profile, location, driving history, and specific insurer conditions.
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Customer Reviews on Car Insurance in Miami
Excellent service and competitive rates. They helped me find the best car insurance in Miami.
Very professional and attentive. I highly recommend Univista Insurance.
The process was fast and easy. I now have my policy at an amazing price.
Available Discounts by Insurance Company
Some companies offer more discounts than others in Florida. Check who rewards your driver profile the most.
| Insurance Company | Good Driver | Good Student | Vehicle Safety Features | Automatic Payment | Multi-Policy |
|---|---|---|---|---|---|
| Geico | ✔ | ✔ | ✔ | ✔ | ✔ |
| Kemper | ✔ | ✔ | ✔ | ✔ | ✔ |
| Mercury Insurance | ✔ | ✘ | ✔ | ✔ | ✔ |
| National General | ✔ | ✘ | ✔ | ✔ | ✔ |
| Infinity Insurance | ✔ | ✔ | ✔ | ✘ | ✔ |
| Loyalty Underwriter | ✔ | ✘ | ✔ | ✔ | ✔ |
| UAIC | ✔ | ✘ | ✔ | ✘ | ✔ |
| Pronto Insurance | ✔ | ✘ | ✔ | ✔ | ✔ |
*Discount availability is based on features commonly offered by these insurers and may vary by state, driver profile, and specific policy terms.
Common mistakes when choosing your auto insurance
Avoid these frequent mistakes when shopping for your policy. Making better decisions can save you a lot of money in the long run.
Not comparing coverages
Policies can vary significantly in what they include. Compare more than just the price.
Ignoring deductibles
A high deductible might prevent you from using your insurance when you actually need it.
Not considering credit history
In Florida, your credit score can influence your rate. Improve your score to get better pricing.
Not asking for discounts
Many insurers won’t apply discounts unless you specifically request them.
Not consulting an agent
An agent can help you discover options and benefits you didn’t even know were available.
Ranking de ciudades para asegurar tu auto en Florida
El costo del seguro de auto varía según la ciudad. Aquí te mostramos las ciudades con las tarifas más altas y más bajas en 2025.
1
Miami
$255 – $275 / month
Most expensive in Florida
2
Hialeah
$235 – $255 / month
Well above average
3
Tampa
$225 – $245 / month
Moderate rate
4
Fort Lauderdale
$220 – $240 / month
Slightly lower than average
5
Orlando
$215 – $230 / month
Above average rate
6
Kissimmee
$200 – $225 / month
Below average
7
St. Petersburg
$200 – $220 / month
Very affordable
8
Jacksonville
$190 – $210 / month
More affordable
9
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Tallahassee
$190 – $205 / month
Among the cheapest in Florida
10
St. Augustine
$185 – $200 / month
Historic and affordable
11
West Palm Beach
$180 – $195 / month
Coastal and budget-friendly
12
Cape Coral
$110 – $130 / month
Cheapest in Florida
Did you know this about car insurance in Florida?
What is PIP and why is it mandatory?
Personal Injury Protection (PIP) covers medical expenses regardless of fault. In Florida, it is required and typically covers up to $10,000.
What does minimum coverage in Florida include?
Only PIP and property damage liability. It doesn't cover your vehicle or serious injuries if you’re at fault in an accident.
Is it legal to drive without liability insurance?
Yes, but it’s not advisable. Minimum coverage won’t protect you if you're liable for major damage or involved in a lawsuit.
How to save without lowering your coverage?
Take advantage of discounts for safe driving, auto-pay, or bundling policies. Comparing insurers can help you save up to $100 per month.
Real savings cases in Florida
Discover how other drivers in Florida have reduced their monthly premiums by switching their auto insurance to Univista Insurance.
Luis, 41 years old
Orlando
Before: $282/month
Now: $193
Monthly savings: $89/month
Maria, 53 years old
Jacksonville
Before: $372/month
Now: $299
Monthly savings: $73/month
Carlos, 46 years old
Fort Lauderdale
Before: $291/month
Now: $186
Monthly savings: $105/month
Elena, 46 years old
Cape Coral
Before: $298/month
Now: $199
Monthly savings: $99/month
Juan, 52 years old
Jacksonville
Before: $332/month
Now: $208
Monthly savings: $124/month
Ana, 46 years old
St. Petersburg
Before: $408/month
Now: $332
Monthly savings: $76/month
Miguel, 40 years old
Hialeah
Before: $388/month
Now: $314
Monthly savings: $74/month
Lucia, 25 years old
Fort Lauderdale
Before: $368/month
Now: $273
Monthly savings: $95/month
*These examples are simulations based on real customer profiles. Prices may vary depending on individual driving history and conditions.
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Frequently Asked Questions About Auto Insurance
What is the cheapest auto insurance?
The cheapest auto insurance depends on factors such as your driving history, location, and vehicle type. To get the best rates, compare quotes from different providers.
What does full coverage auto insurance include?
Full coverage typically includes protection against theft, vandalism, natural disasters, and other non-collision-related damages.
What is an insurance deductible?
The deductible is the amount you pay out-of-pocket before your insurance covers the rest of the claim.
How much auto insurance coverage do I need?
It depends on your needs and the value of your vehicle. Minimum coverage requirements vary by state.
How do I compare auto insurance?
Compare pricing, coverage, and extra benefits from various insurance companies to choose the best option.
Does my insurance cover windshield damage?
Some comprehensive policies include windshield repair or replacement at no additional cost.
Does auto insurance cover rental cars?
It depends on your policy. Many insurers extend coverage to rental cars within the U.S.
Can I deduct auto insurance from my taxes?
In some cases, yes. If you use your vehicle for business, insurance may be deductible. Consult your tax advisor.
What happens if I drive without insurance?
Driving without insurance is illegal in most states and can result in fines or license suspension.
How can I get discounts on auto insurance?
Discounts are available for good driving records, safety courses, and bundling policies.
Do I have to pay for an online quote?
No. Auto insurance quotes from Univista Insurance are free and without obligation.
Am I covered if I drive someone else's car?
It depends on the owner's policy. Some extend coverage to occasional drivers.
What factors affect my insurance premium?
Age, vehicle type, ZIP code, driving history, and car usage are key factors.
What is liability coverage?
It covers damage to others if you're at fault in an accident. It's mandatory in nearly all states.
How does a traffic violation affect my insurance?
Violations increase your risk level and may raise your premium at renewal.
What is uninsured motorist coverage?
It covers your expenses if an uninsured or underinsured driver causes an accident.
Can I cancel my insurance at any time?
Yes, but make sure you have another policy in place before canceling.
How do I file an auto insurance claim?
Contact your insurer, provide details of the incident, and follow the instructions for filing a claim.
What’s the difference between collision and comprehensive coverage?
Collision covers crashes. Comprehensive covers theft, vandalism, and weather-related damage.
How can I lower my auto insurance cost?
Drive safely, increase your deductible, install safety devices, and ask about discounts.
Still have questions? Talk to a Univista Insurance expert now.
Let us simplify the complex and provide you with personalized solutions.
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