What is the average cost of car insurance in Florida?
Florida drivers paid an average of $1,458 a year for full coverage (liability, collision and comprehensive) in 2020, according to the most recent data available from the National Association of Insurance Commissioners (NAIC). That’s more than the national average of $1,176, according to the same report. Keep in mind that insurance premiums in most states have changed since then. Your cost will also depend on how much coverage you choose, as well as your driving history, the car you drive and other factors.
What auto insurance is mandatory in Florida?
A car insurance policy with a minimum amount of personal injury protection and property damage liability coverage is required in Florida. However, minimum coverage may not be the full extent of coverage you want.
As of February 2023, these are the minimum requirements in Florida.
COVERAGE TYPE
FLORIDA MINIMUM REQUIREMENTS
Personal injury protection
$10,000 per accident
Property damage liability
$10,000 per accident
COVERAGE TYPE
Personal injury protection
FLORIDA MINIMUM REQUIREMENTS
$10,000 per accident
COVERAGE TYPE
Property damage liability
FLORIDA MINIMUM REQUIREMENTS
$10,000 per accident
What does car insurance typically cover in Florida?
A typical car insurance policy in Florida includes coverage for personal injury protection and property damage liability, as well as optional collision and comprehensive coverage in case of covered damage or theft.
Read more about Smart Plan Auto coverage options in Florida.
Florida car insurance discounts
Discounts may help lower your insurance costs. Farmers offers a variety of discounts for drivers in Florida. For example:
- Multi-vehicle
- Multi-policy
- Youthful driver
See more information about additional discounts that may be available in Florida.
Ernest Hemingway Home and Museum
Hemingway and his wife, Pauline, purchased their Key West house in 1931. Hemingway wrote some of his best-known works here — and provided a home for a six-toed cat named Snow White, whose polydactyl descendants still roam the grounds. — Ernest Hemingway Home and Museum
More coverage options in Florida
Florida home insurance
Learn more about what home insurance in Florida covers, available discounts and more.
View home insurance coverage details and discounts for Florida
Learn From Experience
Still have questions about cars and car insurance in Florida? We have answers.
Why Did My Car Insurance Premium Go Up When Nothing Else Has Changed?
To understand rate increases, it’s important to know that premium calculations are based on your risk and the projected cost it would take to repair or replace your car. Anything that impacts these factors can explain why rates may increase.
What These Auto Pros Know About Adding Years to a Car’s Life — and You Should, Too
What Happens if a Friend Wrecks My Vehicle?
Many auto policies, including Farmers® policies, cover you and any person using your insured car with your permission. Make sure your policy has this provision before letting anyone drive your car.
