Find the Cheapest Car Insurance in Florida — Compare 2026 Rates in 60 Seconds
Florida's average is $245/month — from $178 in Ocala to $325 in Hialeah. Enter your vehicle below for your personalized rate.
What Does Car Insurance Cost in Your Florida City?
Average monthly rates for full coverage from major Florida carriers. Rates vary by driver profile — compare to see your personal rate.
Three Steps to Your Lowest Florida Rate
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4 Things Every Florida Driver Must Know
No-Fault State
Florida requires PIP coverage. You file with your own insurer regardless of who caused the accident.
Minimum Coverage Gap
PIP $10,000 + PDL $10,000 — the lowest in the nation and insufficient for most accidents.
Bodily Injury NOT Required
Florida does not require BI liability. This is Florida's most dangerous and most common insurance gap.
Hurricane Comprehensive
Essential for all Florida drivers June through November. Flood damage is NOT covered by standard comprehensive.
Florida Car Insurance Guides
What Is the Minimum Car Insurance Required in Florida?
Florida's minimum car insurance requirements explained — PIP, PDL, and why minimum coverage leaves most drivers exposed.
Read guideWhy Is Car Insurance So Expensive in Miami?
Why Miami has the most expensive car insurance in Florida — and five specific strategies to lower your Miami rate.
Read guideFlorida No-Fault Car Insurance Explained: PIP, Lawsuits, and What Drivers Get Wrong
How Florida's no-fault system actually works, what PIP covers and doesn't, when you can sue the at-fault driver, and why minimum PIP leaves most drivers dangerously exposed.
Read guideSR-22 Insurance in Florida: Cost, Who Needs It, and How Long It Lasts
Who needs an SR-22 in Florida, what it costs, which carriers file them, and how to get the requirement removed after 3 years.
Read guideDoes Your Florida Car Insurance Actually Cover Hurricane Damage? 2026 Guide
What hurricane car insurance covers vs. what it doesn't — and your pre-June 1 checklist for every Florida driver.
Read guideWhich Car Insurance Company Is the Best in Florida in 2026?
Florida's top carriers ranked by price, claims satisfaction, and coverage quality — with city-by-city breakdown.
Read guide