Florida Car Insurance Rates 2025: Cheapest Companies

This friendly, jargon-free guide helps drivers find an affordable policy, understand state insurance laws, and weigh the policies of the Sunshine State’s top insurers so you can get Florida car insurance quotes and select the best one for you. It also explores rules for Florida car insurance, saving tips, and where rates are least expensive in 2025.  For a quick primer on Florida car insurance laws and coverage basics, see our Florida Auto Insurance 2025 guide.

Florida Car Insurance Rates 2025 at a glance

We always hear from drivers that they want to know the average cost of car insurance, and we try to answer that question (and many more) below.w Shoppers ask for the average car insurance cost in Florida and the average car insurance cost in Florida for a good reason: the price can heavily differ depending on where you live. Here are some ranges that many Floridians assume. Actual quotes will differ.

Profile	Typical monthly	Typical annual
Good driver, minimum coverage	$85–$160	$1,100–$1,900
Good driver, full coverage	$230–$380	$2,800–$4,600
25‑year‑old, full coverage	$260–$420	$3,100–$5,000
18‑year‑old, minimum coverage	$220–$380	$2,600–$4,500
High‑risk (DUI/accidents)	$350–$650+	$4,200–$7,800+

Many search for it as the average cost of car insurance in Florida and car insurance cost in Florida, while others type how much is car insurance in Florida per month or the monthly cost of Florida auto insurance. Most good drivers in 2025 are paying somewhere between $230 and $380 per month for full coverage, and somewhere between $85 and $160 for minimum coverage.

Anticipate big bucks in crowded coastal metros; inland and lower‑risk counties could pay less. That’s what car insurance comparison tools and a car insurance calculator, Florida (or otherwise a Florida car insurance calculator) can help you with before you buy.

Why Florida can be pricey

Headlines with titles such as Is car insurance expensive in Florida and Why is Florida car insurance so expensive appear for good reason. Some of the more popular drivers of price increases are:

Hazard: Severe weather and storm losses, Coastal

Additional litigation and severity vs. multiple states

Uninsured/underinsured motorist exposure

Dense traffic in metro areas

Many people also question whether Florida auto insurance is costly or why it is so pricey there? I mean, for the majority of households, prices are above the national average in 2025.

Florida laws and minimums

What’s required to drive legally

In Florida, auto insurance coverage is legally required. Common queries like does Florida have car insurance and is car insurance mandatory in Florida; yes—proof of active coverage is required to register and maintain plates.

It’s a no-fault state—often referred to as Florida no-fault car insurance. In practice:

You are required to carry PIP (Personal Injury Protection). This is what searches on pip car insurance florida, pip car insurance in florida, and florida car insurance personal injury protection are referencing.

PIP covers the policyholder’s medical expenses even when he or she is at fault, within the limits of the policy and the law.

Property Damage Liability (PDL) is required.

Is Florida a no-fault state for car insurance, or is Florida a no-fault car insurance state? Yes—Florida’s system requires PIP.

Minimums at a glance

Shoppers frequently look for minimum car insurance in Florida, minimal car insurance in Florida, Florida minimum car insurance, state minimum car insurance in Florida, and Florida state minimum car insurance coverage. State minimums at the time of writing include PIP and PDL (bodily injury liability is often recommended even if not required by law for a large number of drivers). Verify the most recent prices before making an order.

What is the minimum coverage for auto insurance that is necessary in Florida? What is the lowest protection for auto insurance that is required in Florida? What is the minimum car insurance in Florida, you are asking? The answer is the statutory PIP + PDL mix with BI as you are strongly recommended to have it without regard to whether the law does or does not require BI coverage from you.

This includes inquiries such as “What is the cheap car insurance in Florida?” “What is the lowest level of essential car insurance in Florida?” and “How much does Florida’s common state auto insurance cost? and similar ones. What is the state minimum car insurance in Florida? Florida car insurance minimum requirements all reference the same legal minimums.

Please note: New bills are introduced annually (new Florida car insurance law; new Florida auto insurance law 2024). Verify with current legislation before making decisions.

Registration and proof

• Do you need insurance on a car in Florida and do you need insurance on a car in Florida?Yes, insurance is required for both registration and sticker maintenance.
• Car insurance Florida requirements & car insurance requirements in Florida: Proof of Florida insurance is required at the time of registration.
• What car insurance do I need in Florida, and minimum car insurance in Florida: PIP + PDL minimums; lenders and lessors might demand more.

Leased or financed vehicles

• minimum car insurance requirements for financed car florida: Generally, lenders require “full coverage,” which is comprehensive, along with collision, with limits of liability that are higher.
• Florida car lease insurance requirements, lease car insurance requirements Florida, and leased car insurance requirements Florida: Most lessors will require comprehensive and designated deductibles. If you added GAP on a financed Toyota and no longer need it, here’s how to cancel GAP insurance with Toyota.

Quotes, “cheapest”, and savvy comparison

Shoppers seeking car insurance quotes in Florida or car insurance quotes in Florida should compare at least 3-5 insurers to get the most affordable pricing. Many of them also look cheapest car insurance quotes in Florida and compare car insurance quotes in Florida, compare deals by zip code.

• You can compare offers using a car insurance florida average cost as a reference.
• Such tools that compare car insurance rates by zip code (and a car insurance by zip code lookup) can emphasize local prices.
• A Florida car insurance comparison calculator can demonstrate how your choice of deductibles or amounts of coverage affects the premiums.
• When you seek cheap full coverage car insurance florida or cheapest full coverage car insurance florida, it’s a matter of details of the policy, and low cost is not good if gaps in coverage are expensive.

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• Common “cheapest” keywords: cheapest car insurance in Florida, who has the cheapest car insurance in Florida, who has the lowest car insurance rates in Florida, who offers the lowest prices for auto insurance in Florida, who has the most affordable rates for auto insurance in Florida, and what is the lowest cost of auto insurance in Florida, and what’s the cheapest car insurance in Florida.

Your results will differ according to your driver profile, city, credit tier, and vehicle—no one winner’s best for everyone.

Coverage types to understand

What is full coverage car insurance in Florida? Generally, liability + comprehensive + collision, usually with added protections such as (UM/UIM). Florida full coverage car insurance for financed cars is standard.

• Whole auto insurance is separate from collision insurance that covers damage to your vehicle in Florida.
• Car liability insurance in Florida: Covers damage to other people’s property and bodily injury to other people, if you are carrying it.
• minimum coverage car insurance florida: Legal minimum (PIP/PDL); coverage may not be enough!
• rental car insurance florida and car rental insurance florida: Liability is generally included to at least state minimums; optional protections (LDW/CDW, personal effects) are sold by rental agencies. It isn’t generally is car rental insurance in Florida, but verify contract requirements. Toyota drivers in Florida, comparing full coverage, can dive deeper into Toyota car insurance coverage in 2025.

Windshield and storms:

• Does Florida auto insurance cover glass replacement? At $0 full coverage on a private passenger auto in FL requires insurance companies to waive the deductible for windshield damage repair/replacement. That is why the Florida car insurance windshield alternative is a standard question. The answer to Does car insurance cover windshield replacement in Florida is usually “yes,” when compX applies.
• Does car insurance cover flood damage in Florida, or does car insurance cover hurricane damage in Florida? Both are covered (base policy type, not liability only) per policy terms.

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Special situations

• Non-owner car insurance Florida: Liability-only policy for drivers who don’t own a vehicle; may help you maintain continuous coverage and meet filing requirements.
• sr22 insurance Florida without a car and SR22 insurance in Florida without a car in Florida: A non‑owner SR‑22 can demonstrate liability after suspension or certain violations.
• dui car insurance florida: Higher rates and could require filing of FR‑44.
• High-risk auto insurance Florida: Some amount of legwork of comparing quotes between specialty carriers and the State plan (assigned risk) can result in coverage when the standard market won’t touch an applicant.
• Let’s get one thing up front: Temporary car insurance in Florida is not a thing available from any major auto insurance company in Florida.
• FL college tuition waiver: No waiver to pass mandatory financial duty; can implement fleet self‑insurance plan.
• Is it possible to obtain a Florida driver’s license or to obtain auto insurance without one? A few carriers will issue policies with a named driver status class one (for primary operator), and owner being excluded/unskilled availability may vary.
• Are you allowed to have someone else insure your car in Florida? Frequently, yes, if insurable interest and regular use; insurers dictate the rules.

Seniors, vehicles, and savings

• Car insurance for seniors in Florida and car insurance in Florida for seniors: Rates might go up for old drivers at some point; defensive‑driver courses can help.
• AARP car insurance Florida: AARP-branded auto (via The Hartford) offers senior‑geared choices; compare with several carriers.
• cheap car insurance for seniors in Florida and senior car insurance Florida: You can save money if you bundle, use telematics, and sign up for a mileage‑based discount.

Lowering costs:

• discounts for Florida car insurance rates, car insurance discount rates in Florida apply based on bundling, safe driving, paying in full, and homeowner.
• In Florida, car insurance discounts include a good student, multi‑car, defensive driver, and anti‑theft.
• How to lower car insurance in Florida, how can I lower my car insurance in Florida, and how to save on car insurance in Florida: Compare at renewal, reduce unnecessary coverage for older automobiles, raise prices wisely, and look for any available reductions.
• What Is the Cheapest Car to Insure? (and the cheapest car to insure in Florida, and the cheapest vehicle to insure) The cheapest cars to insure in Florida (and the afore-mentioned cheapest car to insure in Florida and cheapest vehicle to insure) tend to be non‑luxury sedans/minivans with excellent safety ratings. Sports, luxury, or high‑tech EVs can be more expensive to insure. Want more ways to save and useful add‑ons? Explore Toyota Motor Insurance advantages.

EVs and memberships:

• Tesla car insurance Florida: Availability of Tesla‑branded insurance may be based on personal information, driving history and other factors; not all customers are eligible for Tesla‑branded insurance
• Costco car insurance Florida and Lemonade car insurance Florida: Membership‑based or digital‑first carriers may be competitive for some drivers; get quotes.
• United Car Insurance Florida: See United Automobile Insurance Company (UAIC), our regional auto insurance provider, for insurance quotes and services.
• Farmers car insurance Florida: Coverage and benefits with Farmers: Coverage varies by zip.

Classic and specialty:

Classic car insurance Florida requirements and Florida classic car insurance: Anticipate mileage/storage restrictions and a value limit.

Antique car insurance in Florida: Usually, an agreed‑value policy and proof of garaging are required.

Compliance, cancellations, and penalties

Common compliance questions:

• Does Florida require you to have car insurance? Does Florida require car insurance? Can I buy car insurance if I don’t have a car? Is it against the law in Florida to drive without auto insurance? Is it possible to get auto insurance without a vehicle? Is car insurance required in Florida? Is driving without car insurance illegal in Florida? Yes—expect registration suspension and fees.
• What to do if your car insurance lapses in Florida: Your registrations could be suspended; reinstatement fees go up for repeated lapses. Don’t assume anything, like a grace period if you make your insurance payment late — while insurance companies may give you a short grace period to pay if you miss a premium (usually no more than one month), the state doesn’t.
• Car insurance cancellation laws in Florida: Carriers have to follow state notice rules; nonpayment cancellations might go more quickly than others. Verify your policy’s deadline for notification at all times.
  How long is it possible to go without auto insurance in Florida, or how far can you go without it? If plates are active, 0 days – coverage must be maintained on the vehicle.
• No car insurance in Florida: Driving without insurance or registration may result in suspensions and fines.

Accidents and benefits:

• Whose insurance pays for a car accident in Florida: Both drivers’ PIP pays medical bills first, but the at-fault person will have property damage through their PDL, and bodily injury can still happen per thresholds and coverage.
• Does health insurance cover car accidents in Florida? After your PIP limit has been exceeded or on things that your PIP doesn’t cover, health insurance may become involved (if it is arranged and your company offers it), depending on your policy’s terms.
• Search‑related healthcare costs, including how much is urgent care costs without insurance in Florida, and how to get medical care without insurance in Florida, are facility‑dependent; your early PIP claim and in‑network care can help reduce costs you may otherwise pay out of pocket.

Location and demographics

• Car insurance rates by county in Florida can vary — coastal, heavily trafficked counties generally pay more. Which Florida city has the most affordable auto insurance? Which Florida city has the most affordable auto insurance? Smaller inland metros tend to be lower, but ZIP‑level variables vary.
• You’ll be paying car insurance for your entire driving “career” (i.e., until you retire), so you should carefully consider not just what kind of car you drive (more on that later), but the following:
• How much is car insurance in florida for an 18-year-old? Young drivers typically pay more because they haven’t been driving long enough to establish a value history on which to base their rates.
  Adding a driver to a household policy can sometimes save money — if, for example, he or she is rated as a part-time driver — as can students maintaining good grades and vehicle training.
• car insurance in florida cost & car insurance florida average cost depend on garaging address, annual mileage, claims history, credit‑based insurance scores (where permissible), and vehicle usage.

2024–2025 updates and rate trends

• New Florida car insurance laws 2024: Notable policy changes in Florida. Florida limited glass solicitation and insurance assignment‑of‑benefits practices. Always check current statutes.
• Did car insurance go up in Florida / did car insurance rates go up in Florida / did florida car insurance go up, and why are car insurance rates going up in Florida?”Many carriers requested increases due to inflation in parts/labor, litigation costs, and severe weather losses.
• How much more is car insurance in Florida? Premium hikes differ widely by insurer and county, and shop shotgun at renewal.
• Is car insurance going up in Florida, overall in 2024–2025? Yes, in general, though some motorists see no or reduced increases if they change insurers.

Final thoughts on brands and where to buy

Shoppers may compare Lemonade car insurance, Costco car insurance, Farmers car insurance, United car insurance, Tesla car insurance, and Windhaven car insurance in Florida. Availability and competitiveness differ by ZIP and profile; get quotes from several carriers and verify financial strength. (Owner’s note: Windhaven is no longer in business, and legacy policies are no longer active.

FAQs: Florida Car Insurance Rate (2025)

How much should car insurance cost in Florida in 2025?

Premiums are above average in cost; fees depend on driver history, vehicle, coverage, and ZIP code.

How Much Is Car Insurance in Florida a Month?

Most good drivers will pay between about $85 $160 for minimum coverage and $230 to $380 for full coverage, depending on which city and profile you select.

How much does Florida’s average auto insurance cost?

A standard full‑coverage policy will likely fall in the range between $2,800–$4,600 a year, but quotes can vary widely.

Why is car insurance in Florida so expensive?

Bad weather, more litigation, heavy traffic, and exposure to uninsured drivers inflate claims.

Do I Need Car Insurance in Florida?

Yes. Active Florida car insurance is necessary to register and drive a vehicle.

Which type of auto insurance is necessary in Florida?

You are legally required to carry the state’s minimum bodily injury/liability coverage, personal injury protection (PIP), and property damage liability.

What is Florida’s minimal requirement for vehicle insurance?

Florida’s minimum required coverage is PIP/PDL. Bodily Injury Liability is recommended if not required.