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Florida car insurance
Getting car insurance in Florida
Getting car insurance in Florida starts with understanding the state's coverage requirements and the factors that may affect your rate. Progressive helps Florida drivers navigate statewide risks like heavy traffic and severe weather with flexible coverage options and transparent pricing. Our easy-to-use tools also help drivers compare coverage and find ways to save.
What are the minimum insurance requirements in Florida?
Florida currently requires drivers to carry the following auto insurance coverages.
Coverage
|
Coverage |
What it covers |
Minimum amount |
|---|---|---|
|
Property damage liability |
What it covers
Damage you cause to someone else's vehicle or other property in an accident |
Minimum amount
$10,000 per accident |
|
Personal injury protection (PIP) |
What it covers
Your medical bills, lost wages, and death benefits |
Minimum amount
$10,000 per person |
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Car insurance discounts in Florida
Car insurance discounts in Florida can help lower your rate based on how you drive, the vehicle insured, and how you manage your policy. Progressive offers a variety of discounts to help Florida drivers get a better deal on car insurance. Popular discounts and savings opportunities available in Florida include:
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Loyalty rewards program
We reward you with discounts and other perks for staying with Progressive, and those benefits can grow the longer you keep our policy.
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5-year accident-free discount
The 5-year accident-free discount rewards drivers who've gone five years without an at-fault accident, recognizing a safe driving history.
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Snapshot
Snapshot uses driving data from the Progressive mobile app or plug-in device to personalize your rate, so safer habits can help you save.
What is the average cost of car insurance in Florida?
The average cost of car insurance in Florida is generally higher than the national average. Based on Progressive's data, Florida falls into a group of states that have higher auto insurance costs overall with an average of $165.02 per month.† This average is based on a six-month, liability-only policy with one vehicle and one driver.
Organizations like the Insurance Information Institute (III) and the National Association of Insurance Commissioners (NAIC) also rank Florida among states with the highest costs for car insurance.
Factors that impact your auto insurance rate in Florida
Many factors impact how much you pay for auto insurance in Florida, including:
- Driving history: Tickets, accidents, and prior claims can affect your rate.
- Vehicle type: Your car's make, model, age, safety technology, and repair costs are factored into your price.
- Location: Traffic density, accident frequency, theft rates, and local weather risks in your area can influence rates.
- Severe weather risk: Hurricanes, flooding, and major storms increase the likelihood of vehicle damage and insurance claims.
- Uninsured drivers: Florida has a higher rate of uninsured drivers compared to the rest of the country, which can increase overall risk.
- Coverage choices and deductibles: The coverages you select, your limits, and your deductible all affect your premium.
Recommended additional auto insurance coverages in Florida
Florida requires PIP and property damage liability coverage, but these coverages may not cover all costs after an accident. Adding optional coverages can deliver extra protection, especially for medical expenses caused by uninsured or underinsured drivers. These coverages can help fill gaps in your policy and add peace of mind:
Coverage
|
Coverage |
What it covers |
Minimum amount |
|---|---|---|
|
UM/UIM bodily injury |
What it covers
Injuries to you or your passengers caused by a driver with too little or no insurance |
Minimum amount
$10,000 per person |
|
Bodily injury liability |
What it covers
Injuries you cause to others in an accident |
Minimum amount
$10,000 per person |
|
Medical payments (MedPay) |
What it covers
Medical and funeral expenses for you and covered household members after an accident |
Minimum amount
$5,000 per person |
|
Comprehensive |
What it covers
Cost to repair or replace your car if it's damaged by hail, fire, theft, wind, flood, vandalism, and other covered events |
Minimum amount
Optional |
|
Collision |
What it covers
Cost to repair or replace your vehicle if it collides with another vehicle or object |
Minimum amount
Optional |
Florida driving resources
Learn more about Florida's driving laws and insurance requirements. Keep in mind that local governments may have additional rules or requirements.
- Florida Highway Safety and Motor Vehicles Department: Find out how to get or renew your Florida license and registration.
- Florida Department of Transportation Rules, Regulations, and Statutes: Review Florida's traffic and parking regulations.
- Department of Motor Vehicles Guide: Get answers to common questions about driving laws, insurance requirements, and coverage basics specific to Florida.
How to get car insurance in Florida with Progressive
Progressive makes it easy for Florida drivers to compare coverage options, and get a competitive auto insurance quote.
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Go online
We ask easy questions, and you customize your coverages.
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Call a rep
Talk with a licensed representative who can guide you through the process.
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Through an agent
Connect with an independent agent in your area.
Florida car insurance FAQs
