Florida Car Insurance Guide (Cheap Rates + Best Companies)

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently...

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business...

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Reviewed byBrad Larsen
Licensed Auto Insurance Agenthttps://res.cloudinary.com/quotellc/image/upload/insurance-site-images/cheapcarins-live/daeea45a-brad-larsen.jpg

UPDATED: Jul 27, 2020

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Florida Statistics SummaryDetails
Miles of Roadway122,391
Vehicle Miles Driven Annually201 billion
VehiclesRegistered in State: 14.9 million
Total Stolen: 42,579
State Population20.9 million
Most Popular VehicleToyota Corolla
Uninsured Motorists26.7%
State Rank: 1st
Driving Fatalities2017
Speeding: 299
Drunk Driving: 839
Annual Insurance CostsLiability: $857.64
Collision: $282.96
Comprehensive: $116.53
Combined: $1257.13
Cheapest ProviderUSAA
Get Your Rates Quote Now

Florida is the land of amazing amusement parks, gator filled swamps, and sunny beaches. It’s no wonder that people have been moving to Florida in droves over the past decade.

With all of these new and excited Florida citizens, however, comes more traffic on the roads. Having all this traffic means you’ll want to make sure you have the best insurance coverage possible for you.

That’s where we come in! We’ve put together this comprehensive guide to help you navigate the car insurance process.

We’ll cover such topics as the specific insurance coverage you’ll need in Florida, the typical rates you’ll find (based on numerous factors), the different laws specific to Florida and driving, as well as some of the facts and statistics about driving in Florida.

So hang tight and let’s get started.

If you want to start comparing today, you can use our FREE online tool now. All you need is your zip code to get started.

Table of Contents

Florida Insurance Coverage and Rates

Let’s get down to business. Getting started with the car insurance that you need, you’ll need to know what insurance coverage is required in the state of Florida.

In this section, we’ll cover topics on the minimum liability coverage required, what forms of financial responsibility you’ll need to have, and even the different insurance rates specific to zip codes and cities in Florida.

Keep reading to find out more.

Florida Minimum Coverage

Most states across the nation require drivers to carry something known as the minimum liability coverage. What is this coverage and why do you need to have it?

Liability coverage is insurance coverage that helps drivers pay for the costs of an accident after it has happened, for both yourself and the other driver (depending on what state you are in). Minimum liability coverage is essentially the lowest amount of this coverage you can take.

This coverage is required in Florida, but it’s also extremely important for your protection. Why? Florida is considered a “no-fault state”. This means that regardless of who caused the accident, you will have to rely on your own insurance to pay for any costs incurred from that accident.

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If you don’t have this minimum liability coverage? You’ll have to pay out of pocket for those costs.

So what kind of minimum liability coverage are you going to need in Florida?

According to the Information Insurance Institute (III) and the Florida Department of Highway Safety and Motor Vehicles, Florida follows a 10/10 minimum liability coverage. What exactly does this mean?

We’ve broken it down for you below:

  • 10 = $10,000 for the payment of any personal injuries (PIP)
  • 10 = $10,000 for the payment of any property damage

Keep in mind that this is the minimum coverage that you are allowed to have in order to legally drive in Florida. Since you’ll be responsible for any costs from an accident you’re in, it’s always wise to consider getting above this minimum.

Forms of Financial Responsibility

You’ve likely heard of the term “proof of insurance” also know as a form of financial responsibility, but what exactly is it and why do you need it?

A form of financial responsibility, or proof of insurance, is a way for you to provide evidence that you carry this minimum liability coverage.

As it’s required for you to have the minimum liability coverage as we mentioned in the section above, you’ll need to make sure that you carry this proof with you.

So what kinds of proof of insurance are acceptable in Florida?

  • Insurance ID card
  • A copy of your insurance policy
  • Certificate of self-insurance
  • Form E, Uniform Motor Carrier Bodily Injury and Property Damage Liability
  • Insurance policy binder
  • A surety bond or combination of a surety bond and insurance policy

As long as you have at least one of these types of proof of insurance, you’ll be good to go.

Premiums as a Percentage of Income

One thing that can play a factor in what kind of insurance premium you’ll pay is something known as the per capita disposable income.

A disposable income is essentially the amount of money that you’ll have after taxes have been paid. Per capita disposable income is the averaging of the citizens of an area (such as the state of Florida).

In Florida, the per capita disposable income is $38,350.00. Meaning that this is the average disposable income Florida citizens have after taxes have been paid.

Keep in mind with this disposable income, this is what you have to pay for all of your other expenses, such as health insurance, car payment, mortgage payment, etc.

Full Coverage
2014
Disposable
Income 2014
Insurance as %
of Income 2014
Full Coverage
2013
Disposable
Income 2013
Insurance as %
of Income 2013
Full Coverage
2012
Disposable
Income 2012
Insurance as %
of Income 2012
$1,208.77$38,350.003.15%$1,209.70$36,606.003.30%$1,196.57$37,195.003.22%
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In the table above, we’ve found the data over a three year period in Florida to see just how much Florida citizens tend to pay for their car insurance coverage compared to their per capita disposable income.

As you can see, on average, Florida citizens pay approximately 3.22 percent of this disposable income on insurance coverage.

Want to know how much of your own income is going to your insurance? Use the tool below in order to get the exact percentage.

CalculatorPro

Average Monthly Car Insurance Rates in FL (Liability, Collision, Comprehensive)

Florida has the following core coverage costs according to the National Association of Insurance Commissioners (NAIC):

Your average monthly car insurance rates by coverage may be cheaper than expected for additional coverage like comprehensive. Review rates for car insurance coverage below:

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Florida Coverage TypeAnnual Costs in 2015
Liability$857.64
Collision$282.96
Comprehensive$116.53
Combined$1257.13
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Additional Liability

Additional liability coverage is the optional liability coverage types that are available for extra protection. Which, in Florida, as it is a no-fault state, they’re coverage types that can really help you out in the long run.

Medical Payments/Personal Injury Protection and Uninsured/Underinsured Motorist coverage are the most common types of additional liability coverage.

Medical Payments and Personal Injury Protection essentially do similar things, as they both help provide coverage and payment for any injuries that you get from an accident.

Uninsured/Underinsured Motorist coverage is the coverage that will help cover you should you be in an accident with someone who does not have insurance, or who has less than the minimum liability coverage.

Why is Uninsured/Underinsured Motorist coverage such an important option to consider?

Florida has an uninsured/underinsured motorist rate of 26.7 percent, ranking is as the number one in the nation for uninsured/underinsured drivers.

Now that we’ve covered these different types of additional liability coverage, we’ll now discuss the loss ratios for these coverage types.

What is a loss ratio? A loss ratio is a comparison of how much companies payout in insurance claims versus how much customers are paying in insurance premiums.

To break this down further, you want the loss ratio for an insurance coverage type to be just right. Not too high, and not too low.

If the loss ratio is too high (over 100 percent), that means that insurance companies are paying out too much in claims to their customers and are actually at risk of going bankrupt. Meaning that to counterbalance this, they’ll tend to raise insurance premiums.

If the loss ratio is too low, that means that insurance companies aren’t paying out enough in insurance claims to their customers.

In Florida, you have the following loss ratios:

Florida Loss Ratio201220132014
Medical Payments (MedPay)74.31%72.51%81.29%
Personal Injury Protection74.95%62.03%75.76%
Uninsured/Underinsured Motorist73.12%79.83%85.87%
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This is very good, as these loss ratios aren’t too high, but aren’t too low either.

Add-Ons, Endorsements, and Riders

Getting the right coverage for you can be a stressful thing, but did you know that you could be getting extra coverage for really cheap prices?

There are additional add-on coverage types that you may not have even heard about, but could definitely benefit you in the future.

We’ve done the hard part of you and collected a few of some of the most valuable coverage types you might want to consider adding onto your policy:

Average Monthly Car Insurance Rates by Age & Gender in FL

A common myth in car insurance is that men tend to pay more for their insurance coverage. We wanted to see if this was true in Florida and found the following:

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Florida CompanyMarried 35-year old female annual rateMarried 35-year old male annual rateMarried 60-year old female annual rateMarried 60-year old male annual rateSingle 17-year old female annual rateSingle 17-year old male annual rateSingle 25-year old female annual rateSingle 25-year old male annual rate
Allstate F&C$4,653.38$4,423.29$4040.00$4,089.70$15,905.72$17,179.33$4,592.92$4,639.32
Geico General$2,986.89$3,001.17$2,793.99$2,793.99$5,342.74$6,713.47$3,292.51$3,344.27
Liberty Mutual Ins. Co.$3,711.14$3,711.14$3,398.94$3,398.94$7,859.88$12,116.72$3,711.14$5,037.27
Allied P&C$3,039.80$3,000.81$2,710.48$2,806.30$7,314.60$9,013.69$3,347.30$3,483.83
Progressive Select$3,736.10$3,523,35$3,200.74$3,428.17$10,512.83$11,453.56$4,508.82$4,302.83
State Farm Mutual Auto$2,158.99$2,158.99$1,954.51$1,954.51$6,166.09$7,832.79$2,399.41$2,556.07
USAA$1,646.31$1,619.23$1,536.18$1,525.12$5,638.10$6,551.72$2,060.09$2,226.40
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As you can see, age and marital status seem to play a bigger factor into what insurance rates are like in Florida more than gender.

Rates by Zip Code and City

ZIP codes affect auto insurance because of factors like traffic, crime to name a few. Find out how your ZIP code stacks up in FL.

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If you want to find out what the insurance rates are like by zip code, check out the table below:

ZipcodeAverage Annual RateAllstate InsuranceFarmers Ins HI StandardGeico Govt EmployeesLiberty Mutual FireProgressive DirectState Farm Mutual AutoUSAA
96704$2,859.11$2,451.60$5,487.00$3,708.67$3,645.14$2,415.64$1,083.14$1,222.56
96710$2,859.11$2,451.60$5,487.00$3,708.67$3,645.14$2,415.64$1,083.14$1,222.56
96718$2,859.11$2,451.60$5,487.00$3,708.67$3,645.14$2,415.64$1,083.14$1,222.56
96719$2,859.11$2,451.60$5,487.00$3,708.67$3,645.14$2,415.64$1,083.14$1,222.56
96720$2,859.11$2,451.60$5,487.00$3,708.67$3,645.14$2,415.64$1,083.14$1,222.56
96725$2,859.11$2,451.60$5,487.00$3,708.67$3,645.14$2,415.64$1,083.14$1,222.56
96726$2,859.11$2,451.60$5,487.00$3,708.67$3,645.14$2,415.64$1,083.14$1,222.56
96727$2,859.11$2,451.60$5,487.00$3,708.67$3,645.14$2,415.64$1,083.14$1,222.56
96728$2,859.11$2,451.60$5,487.00$3,708.67$3,645.14$2,415.64$1,083.14$1,222.56
96737$2,859.11$2,451.60$5,487.00$3,708.67$3,645.14$2,415.64$1,083.14$1,222.56
96738$2,859.11$2,451.60$5,487.00$3,708.67$3,645.14$2,415.64$1,083.14$1,222.56
96739$2,859.11$2,451.60$5,487.00$3,708.67$3,645.14$2,415.64$1,083.14$1,222.56
96740$2,859.11$2,451.60$5,487.00$3,708.67$3,645.14$2,415.64$1,083.14$1,222.56
96743$2,859.11$2,451.60$5,487.00$3,708.67$3,645.14$2,415.64$1,083.14$1,222.56
96749$2,859.11$2,451.60$5,487.00$3,708.67$3,645.14$2,415.64$1,083.14$1,222.56
96750$2,859.11$2,451.60$5,487.00$3,708.67$3,645.14$2,415.64$1,083.14$1,222.56
96755$2,859.11$2,451.60$5,487.00$3,708.67$3,645.14$2,415.64$1,083.14$1,222.56
96760$2,859.11$2,451.60$5,487.00$3,708.67$3,645.14$2,415.64$1,083.14$1,222.56
96764$2,859.11$2,451.60$5,487.00$3,708.67$3,645.14$2,415.64$1,083.14$1,222.56
96771$2,859.11$2,451.60$5,487.00$3,708.67$3,645.14$2,415.64$1,083.14$1,222.56
96772$2,859.11$2,451.60$5,487.00$3,708.67$3,645.14$2,415.64$1,083.14$1,222.56
96773$2,859.11$2,451.60$5,487.00$3,708.67$3,645.14$2,415.64$1,083.14$1,222.56
96774$2,859.11$2,451.60$5,487.00$3,708.67$3,645.14$2,415.64$1,083.14$1,222.56
96776$2,859.11$2,451.60$5,487.00$3,708.67$3,645.14$2,415.64$1,083.14$1,222.56
96777$2,859.11$2,451.60$5,487.00$3,708.67$3,645.14$2,415.64$1,083.14$1,222.56
96778$2,859.11$2,451.60$5,487.00$3,708.67$3,645.14$2,415.64$1,083.14$1,222.56
96780$2,859.11$2,451.60$5,487.00$3,708.67$3,645.14$2,415.64$1,083.14$1,222.56
96781$2,859.11$2,451.60$5,487.00$3,708.67$3,645.14$2,415.64$1,083.14$1,222.56
96783$2,859.11$2,451.60$5,487.00$3,708.67$3,645.14$2,415.64$1,083.14$1,222.56
96785$2,814.68$2,451.60$5,487.00$3,708.67$3,645.14$2,104.66$1,083.14$1,222.56
96795$2,544.50$2,130.17$4,664.22$3,200.79$3,078.47$2,415.64$1,049.86$1,272.36
96706$2,520.31$2,212.33$4,664.22$3,200.79$3,078.47$2,164.12$1,049.86$1,272.36
96797$2,520.31$2,212.33$4,664.22$3,200.79$3,078.47$2,164.12$1,049.86$1,272.36
96813$2,511.19$2,130.17$4,664.22$3,219.13$3,078.47$2,164.12$1,049.86$1,272.36
96814$2,511.19$2,130.17$4,664.22$3,219.13$3,078.47$2,164.12$1,049.86$1,272.36
96815$2,511.19$2,130.17$4,664.22$3,219.13$3,078.47$2,164.12$1,049.86$1,272.36
96816$2,511.19$2,130.17$4,664.22$3,219.13$3,078.47$2,164.12$1,049.86$1,272.36
96817$2,511.19$2,130.17$4,664.22$3,219.13$3,078.47$2,164.12$1,049.86$1,272.36
96818$2,511.19$2,130.17$4,664.22$3,219.13$3,078.47$2,164.12$1,049.86$1,272.36
96819$2,511.19$2,130.17$4,664.22$3,219.13$3,078.47$2,164.12$1,049.86$1,272.36
96821$2,511.19$2,130.17$4,664.22$3,219.13$3,078.47$2,164.12$1,049.86$1,272.36
96822$2,511.19$2,130.17$4,664.22$3,219.13$3,078.47$2,164.12$1,049.86$1,272.36
96825$2,511.19$2,130.17$4,664.22$3,219.13$3,078.47$2,164.12$1,049.86$1,272.36
96826$2,511.19$2,130.17$4,664.22$3,219.13$3,078.47$2,164.12$1,049.86$1,272.36
96844$2,511.19$2,130.17$4,664.22$3,219.13$3,078.47$2,164.12$1,049.86$1,272.36
96850$2,511.19$2,130.17$4,664.22$3,219.13$3,078.47$2,164.12$1,049.86$1,272.36
96853$2,511.19$2,130.17$4,664.22$3,219.13$3,078.47$2,164.12$1,049.86$1,272.36
96854$2,511.19$2,130.17$4,664.22$3,219.13$3,078.47$2,164.12$1,049.86$1,272.36
96857$2,511.19$2,130.17$4,664.22$3,219.13$3,078.47$2,164.12$1,049.86$1,272.36
96858$2,511.19$2,130.17$4,664.22$3,219.13$3,078.47$2,164.12$1,049.86$1,272.36
96859$2,511.19$2,130.17$4,664.22$3,219.13$3,078.47$2,164.12$1,049.86$1,272.36
96860$2,511.19$2,130.17$4,664.22$3,219.13$3,078.47$2,164.12$1,049.86$1,272.36
96861$2,511.19$2,130.17$4,664.22$3,219.13$3,078.47$2,164.12$1,049.86$1,272.36
96863$2,511.19$2,130.17$4,664.22$3,219.13$3,078.47$2,164.12$1,049.86$1,272.36
96898$2,511.19$2,130.17$4,664.22$3,219.13$3,078.47$2,164.12$1,049.86$1,272.36
96701$2,508.57$2,130.17$4,664.22$3,200.79$3,078.47$2,164.12$1,049.86$1,272.36
96707$2,508.57$2,130.17$4,664.22$3,200.79$3,078.47$2,164.12$1,049.86$1,272.36
96712$2,508.57$2,130.17$4,664.22$3,200.79$3,078.47$2,164.12$1,049.86$1,272.36
96717$2,508.57$2,130.17$4,664.22$3,200.79$3,078.47$2,164.12$1,049.86$1,272.36
96730$2,508.57$2,130.17$4,664.22$3,200.79$3,078.47$2,164.12$1,049.86$1,272.36
96731$2,508.57$2,130.17$4,664.22$3,200.79$3,078.47$2,164.12$1,049.86$1,272.36
96734$2,508.57$2,130.17$4,664.22$3,200.79$3,078.47$2,164.12$1,049.86$1,272.36
96744$2,508.57$2,130.17$4,664.22$3,200.79$3,078.47$2,164.12$1,049.86$1,272.36
96759$2,508.57$2,130.17$4,664.22$3,200.79$3,078.47$2,164.12$1,049.86$1,272.36
96762$2,508.57$2,130.17$4,664.22$3,200.79$3,078.47$2,164.12$1,049.86$1,272.36
96782$2,508.57$2,130.17$4,664.22$3,200.79$3,078.47$2,164.12$1,049.86$1,272.36
96786$2,508.57$2,130.17$4,664.22$3,200.79$3,078.47$2,164.12$1,049.86$1,272.36
96789$2,508.57$2,130.17$4,664.22$3,200.79$3,078.47$2,164.12$1,049.86$1,272.36
96791$2,508.57$2,130.17$4,664.22$3,200.79$3,078.47$2,164.12$1,049.86$1,272.36
96792$2,508.57$2,130.17$4,664.22$3,200.79$3,078.47$2,164.12$1,049.86$1,272.36
96708$2,459.60$2,116.77$4,338.04$3,347.67$3,139.39$2,104.66$1,075.14$1,095.52
96713$2,459.60$2,116.77$4,338.04$3,347.67$3,139.39$2,104.66$1,075.14$1,095.52
96732$2,459.60$2,116.77$4,338.04$3,347.67$3,139.39$2,104.66$1,075.14$1,095.52
96753$2,459.60$2,116.77$4,338.04$3,347.67$3,139.39$2,104.66$1,075.14$1,095.52
96761$2,459.60$2,116.77$4,338.04$3,347.67$3,139.39$2,104.66$1,075.14$1,095.52
96768$2,459.60$2,116.77$4,338.04$3,347.67$3,139.39$2,104.66$1,075.14$1,095.52
96779$2,459.60$2,116.77$4,338.04$3,347.67$3,139.39$2,104.66$1,075.14$1,095.52
96784$2,459.60$2,116.77$4,338.04$3,347.67$3,139.39$2,104.66$1,075.14$1,095.52
96790$2,459.60$2,116.77$4,338.04$3,347.67$3,139.39$2,104.66$1,075.14$1,095.52
96793$2,459.60$2,116.77$4,338.04$3,347.67$3,139.39$2,104.66$1,075.14$1,095.52
96729$2,397.78$2,116.77$4,338.04$3,347.67$3,139.39$1,671.97$1,075.14$1,095.52
96742$2,397.78$2,116.77$4,338.04$3,347.67$3,139.39$1,671.97$1,075.14$1,095.52
96748$2,397.78$2,116.77$4,338.04$3,347.67$3,139.39$1,671.97$1,075.14$1,095.52
96770$2,397.78$2,116.77$4,338.04$3,347.67$3,139.39$1,671.97$1,075.14$1,095.52
96763$2,263.39$2,116.77$3,397.27$3,347.67$3,139.39$1,671.97$1,075.14$1,095.52
96703$2,198.62$1,778.53$4,071.56$3,065.08$2,624.75$1,960.81$894.17$995.42
96705$2,198.62$1,778.53$4,071.56$3,065.08$2,624.75$1,960.81$894.17$995.42
96714$2,198.62$1,778.53$4,071.56$3,065.08$2,624.75$1,960.81$894.17$995.42
96716$2,198.62$1,778.53$4,071.56$3,065.08$2,624.75$1,960.81$894.17$995.42
96722$2,198.62$1,778.53$4,071.56$3,065.08$2,624.75$1,960.81$894.17$995.42
96741$2,198.62$1,778.53$4,071.56$3,065.08$2,624.75$1,960.81$894.17$995.42
96746$2,198.62$1,778.53$4,071.56$3,065.08$2,624.75$1,960.81$894.17$995.42
96747$2,198.62$1,778.53$4,071.56$3,065.08$2,624.75$1,960.81$894.17$995.42
96751$2,198.62$1,778.53$4,071.56$3,065.08$2,624.75$1,960.81$894.17$995.42
96752$2,198.62$1,778.53$4,071.56$3,065.08$2,624.75$1,960.81$894.17$995.42
96754$2,198.62$1,778.53$4,071.56$3,065.08$2,624.75$1,960.81$894.17$995.42
96756$2,198.62$1,778.53$4,071.56$3,065.08$2,624.75$1,960.81$894.17$995.42
96766$2,198.62$1,778.53$4,071.56$3,065.08$2,624.75$1,960.81$894.17$995.42
96769$2,198.62$1,778.53$4,071.56$3,065.08$2,624.75$1,960.81$894.17$995.42
96796$2,198.62$1,778.53$4,071.56$3,065.08$2,624.75$1,960.81$894.17$995.42
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If you want to find out what your city’s insurance rate is like, check out the table below:

CityAverage Grand Total
WALDO$3,481.35
HIGH SPRINGS$3,486.23
ARCHER$3,486.59
MICANOPY$3,486.59
NEWBERRY$3,486.59
ALACHUA$3,490.52
LA CROSSE$3,490.52
GAINESVILLE$3,494.00
EARLETON$3,523.03
MIRAMAR BEACH$3,597.34
MC INTOSH$3,610.75
ORANGE LAKE$3,610.75
EVINSTON$3,646.12
HAWTHORNE$3,646.12
ISLAND GROVE$3,646.12
LOCHLOOSA$3,646.12
GREENVILLE$3,646.33
EGLIN AFB$3,652.75
FORT WALTON BEACH$3,652.75
HURLBURT FIELD$3,652.75
MARY ESTHER$3,652.75
NICEVILLE$3,652.75
SHALIMAR$3,652.75
VALPARAISO$3,652.75
DESTIN$3,653.93
HORSESHOE BEACH$3,663.20
GULF HAMMOCK$3,664.09
INGLIS$3,664.09
OTTER CREEK$3,664.09
YANKEETOWN$3,664.09
TRENTON$3,664.79
BELL$3,665.61
BRONSON$3,673.62
MORRISTON$3,673.62
WILLISTON$3,673.62
SANTA ROSA BEACH$3,675.48
CEDAR KEY$3,677.88
CHIEFLAND$3,677.88
FREEPORT$3,678.84
CROSS CITY$3,679.57
OLD TOWN$3,679.57
SUWANNEE$3,679.57
ARGYLE$3,684.30
DEFUNIAK SPRINGS$3,684.30
MOSSY HEAD$3,684.30
STEINHATCHEE$3,700.56
PERRY$3,702.07
SHADY GROVE$3,702.07
EBRO$3,707.52
LADY LAKE$3,710.73
VERNON$3,711.10
BRANFORD$3,713.48
O BRIEN$3,713.48
SILVER SPRINGS$3,716.67
SALEM$3,716.93
MC ALPIN$3,717.72
CARYVILLE$3,719.90
LIVE OAK$3,723.18
CRESTVIEW$3,725.92
LAUREL HILL$3,725.92
MILLIGAN$3,725.92
JENNINGS$3,726.16
PAXTON$3,726.26
CHIPLEY$3,726.32
WAUSAU$3,726.32
LEE$3,727.51
MADISON$3,727.51
PINETTA$3,727.51
ALFORD$3,732.83
BASCOM$3,740.42
CAMPBELLTON$3,740.42
COTTONDALE$3,740.42
GRAND RIDGE$3,740.42
GREENWOOD$3,740.42
MALONE$3,740.42
MARIANNA$3,740.42
SNEADS$3,740.42
ROSEMARY BEACH$3,743.34
MAYO$3,747.46
WELLBORN$3,750.24
PONCE DE LEON$3,752.24
WESTVILLE$3,752.24
ANTHONY$3,752.97
CITRA$3,752.97
EASTLAKE WEIR$3,752.97
OCKLAWAHA$3,752.97
ORANGE SPRINGS$3,752.97
SPARR$3,752.97
FAIRFIELD$3,758.20
LOWELL$3,758.20
REDDICK$3,758.20
BONIFAY$3,761.04
NOMA$3,761.04
BAKER$3,763.29
HOLT$3,763.29
GRACEVILLE$3,767.46
WHITE SPRINGS$3,769.59
LYNN HAVEN$3,773.01
MEXICO BEACH$3,773.01
PANAMA CITY BEACH$3,773.01
GREENSBORO$3,773.69
HAVANA$3,773.69
MIDWAY$3,773.69
PANAMA CITY$3,774.07
JASPER$3,775.04
THE VILLAGES$3,778.45
FRUITLAND PARK$3,779.28
OKAHUMPKA$3,779.28
YALAHA$3,779.28
BELLEVIEW$3,779.94
QUINCY$3,780.51
MARCO ISLAND$3,783.36
FOUNTAIN$3,784.04
YOUNGSTOWN$3,784.04
CHATTAHOOCHEE$3,787.33
GRETNA$3,787.33
SUMMERFIELD$3,790.85
JAY$3,793.82
NAPLES$3,795.43
COPELAND$3,797.43
GOODLAND$3,797.43
CRAWFORDVILLE$3,799.48
PANACEA$3,799.48
SAINT MARKS$3,799.48
SOPCHOPPY$3,799.48
FORT WHITE$3,803.26
LEESBURG$3,808.23
FORT MC COY$3,808.63
OCALA$3,811.19
ALTOONA$3,817.39
WEIRSDALE$3,817.86
PORT SAINT JOE$3,821.54
CANDLER$3,828.05
ELKTON$3,836.69
ASTOR$3,837.18
GRAND ISLAND$3,837.18
BONITA SPRINGS$3,839.28
DUNNELLON$3,841.12
BRISTOL$3,841.95
HOSFORD$3,841.95
GULF BREEZE$3,842.13
NAVARRE$3,842.13
TAVARES$3,843.20
LAKE CITY$3,844.79
LAMONT$3,845.52
MONTICELLO$3,845.52
PORT CHARLOTTE$3,849.30
PLACIDA$3,850.68
ROTONDA WEST$3,850.68
UMATILLA$3,851.31
EL JOBEAN$3,851.68
WEWAHITCHKA$3,851.97
PUNTA GORDA$3,853.54
SAINT AUGUSTINE$3,854.38
APALACHICOLA$3,855.07
SAINT JOHNS$3,857.32
CARRABELLE$3,857.80
EASTPOINT$3,857.80
LANARK VILLAGE$3,857.80
OXFORD$3,858.02
WILDWOOD$3,858.02
EUSTIS$3,859.51
BEVERLY HILLS$3,863.02
HASTINGS$3,865.57
LLOYD$3,868.15
VENICE$3,869.34
PAISLEY$3,869.80
LULU$3,871.34
MURDOCK$3,871.72
HERNANDO$3,872.55
HOLDER$3,872.55
ENGLEWOOD$3,872.84
PONTE VEDRA$3,873.37
MELROSE$3,873.81
CLARKSVILLE$3,874.81
SORRENTO$3,875.81
CRYSTAL RIVER$3,879.33
ALTHA$3,882.41
OCHOPEE$3,885.56
KEYSTONE HEIGHTS$3,889.42
BLOUNTSTOWN$3,889.99
INVERNESS$3,890.80
HOWEY IN THE HILLS$3,892.50
NORTH PORT$3,892.82
ASTATULA$3,893.73
LAKE PANASOFFKEE$3,897.63
HOMOSASSA$3,899.93
IMMOKALEE$3,901.52
LECANTO$3,905.16
LAKE BUTLER$3,910.22
NOKOMIS$3,911.89
MIMS$3,913.84
TITUSVILLE$3,913.84
CAPTIVA$3,915.87
SANIBEL$3,915.87
COLEMAN$3,915.92
PONTE VEDRA BEACH$3,916.43
FLORAL CITY$3,918.22
FORT MYERS BEACH$3,919.21
BUNNELL$3,919.81
FLAGLER BEACH$3,919.81
FERNDALE$3,919.95
GROVELAND$3,919.95
MASCOTTE$3,919.95
MONTVERDE$3,923.05
ESTERO$3,923.52
MERRITT ISLAND$3,926.92
PINELAND$3,927.14
FLORAHOME$3,929.81
CAPE CANAVERAL$3,930.71
COCOA BEACH$3,930.71
MELBOURNE BEACH$3,930.71
PATRICK AFB$3,930.71
SATELLITE BEACH$3,930.71
BROOKER$3,932.71
PALM COAST$3,932.83
TALLAHASSEE$3,933.92
CHOKOLOSKEE$3,942.52
EVERGLADES CITY$3,942.52
CLERMONT$3,948.14
INDIALANTIC$3,948.38
BUSHNELL$3,948.54
CENTER HILL$3,948.54
NEW SMYRNA BEACH$3,952.62
BOCA GRANDE$3,954.64
PORT ORANGE$3,958.06
SEVILLE$3,959.37
LAKE GENEVA$3,959.79
COCOA$3,964.60
CENTURY$3,965.35
MC DAVID$3,965.35
HAMPTON$3,965.69
MILTON$3,966.40
OSPREY$3,969.52
EDGEWATER$3,970.06
SUMTERVILLE$3,971.68
PIERSON$3,977.67
CRESCENT CITY$3,978.67
GEORGETOWN$3,978.67
GRANDIN$3,978.67
HOLLISTER$3,978.67
INTERLACHEN$3,978.67
LAKE COMO$3,978.67
POMONA PARK$3,978.67
PUTNAM HALL$3,978.67
SATSUMA$3,978.67
WELAKA$3,978.67
ROCKLEDGE$3,989.57
SCOTTSMOOR$3,990.52
RAIFORD$3,993.09
LAWTEY$3,995.84
STARKE$3,995.84
EAST PALATKA$3,996.97
SAN MATEO$3,996.97
ALVA$4,000.80
ORMOND BEACH$4,000.92
DAYTONA BEACH$4,002.86
ARCADIA$4,007.38
BARBERVILLE$4,013.60
MELBOURNE$4,026.96
FORT MYERS$4,029.43
NORTH FORT MYERS$4,033.87
BOKEELIA$4,042.47
SAINT JAMES CITY$4,042.47
CAPE CORAL$4,049.27
SANDERSON$4,059.80
BRYCEVILLE$4,061.05
HILLIARD$4,062.90
MOORE HAVEN$4,067.18
ZOLFO SPRINGS$4,071.55
WAUCHULA$4,072.79
DE LEON SPRINGS$4,073.57
BOSTWICK$4,077.98
PALATKA$4,077.98
VENUS$4,079.50
SARASOTA$4,080.19
SEBASTIAN$4,084.48
SEBRING$4,086.31
LAKE PLACID$4,086.54
LORIDA$4,086.54
GLEN SAINT MARY$4,089.96
BOWLING GREEN$4,095.15
OSTEEN$4,099.16
DELAND$4,099.91
OAK HILL$4,100.43
GLENWOOD$4,100.98
ONA$4,103.66
WABASSO$4,105.22
FERNANDINA BEACH$4,108.56
LAKE HELEN$4,112.60
YULEE$4,113.81
CALLAHAN$4,120.94
LEHIGH ACRES$4,121.72
GREEN COVE SPRINGS$4,126.30
MACCLENNY$4,126.59
DEBARY$4,127.05
PALM BAY$4,134.06
GRANT$4,134.59
MALABAR$4,134.59
MOLINO$4,137.28
PENSACOLA$4,138.02
VERO BEACH$4,139.49
CASSADAGA$4,157.26
ORANGE CITY$4,157.70
LAKE MONROE$4,161.67
SANFORD$4,165.02
MID FLORIDA$4,168.39
LONGBOAT KEY$4,173.22
OVIEDO$4,176.29
FELLSMERE$4,177.18
GENEVA$4,179.59
LAKE MARY$4,179.59
FLEMING ISLAND$4,195.74
MIDDLEBURG$4,195.74
CANTONMENT$4,202.54
DOCTORS INLET$4,207.38
LONGWOOD$4,213.49
WINTER SPRINGS$4,216.77
ORANGE PARK$4,222.19
FELDA$4,223.85
LABELLE$4,223.85
PALMDALE$4,227.32
DELTONA$4,235.82
AVON PARK$4,248.51
TALLEVAST$4,250.01
ALTAMONTE SPRINGS$4,265.34
WEBSTER$4,293.79
NEPTUNE BEACH$4,295.77
ATLANTIC BEACH$4,297.99
JACKSONVILLE BEACH$4,297.99
KATHLEEN$4,302.18
CLEWISTON$4,305.88
MULBERRY$4,316.23
FORT OGDEN$4,320.28
CASSELBERRY$4,322.25
FROSTPROOF$4,322.35
FORT MEADE$4,323.58
ONECO$4,339.22
MYAKKA CITY$4,352.55
LAKELAND$4,352.70
AUBURNDALE$4,353.34
EATON PARK$4,359.91
BRADENTON BEACH$4,361.70
BRADLEY$4,362.39
NICHOLS$4,362.39
POLK CITY$4,369.91
LAKE WALES$4,371.64
BARTOW$4,372.05
BABSON PARK$4,373.58
PARRISH$4,378.70
SUMATRA$4,384.56
TELOGIA$4,384.56
EAGLE LAKE$4,389.49
WINTER HAVEN$4,394.17
MAITLAND$4,397.77
RIVER RANCH$4,406.96
HOMELAND$4,408.19
INDIAN LAKE ESTATES$4,408.19
LAKESHORE$4,408.19
NALCREST$4,408.19
ELLENTON$4,418.43
DUNDEE$4,421.02
FORT PIERCE$4,444.67
DAVENPORT$4,449.29
HAINES CITY$4,458.40
LAKE ALFRED$4,464.79
LAKE HAMILTON$4,464.79
OKEECHOBEE$4,465.52
JACKSONVILLE$4,477.58
MOUNT DORA$4,479.24
JENSEN BEACH$4,486.44
ZELLWOOD$4,490.26
PLYMOUTH$4,497.35
CORTEZ$4,498.15
STUART$4,498.39
BRADENTON$4,504.02
HOBE SOUND$4,504.37
INDIANTOWN$4,504.37
PALM CITY$4,504.37
APOPKA$4,517.82
KEY LARGO$4,523.06
GRAHAM$4,523.13
GOTHA$4,523.75
OCOEE$4,525.80
BIG PINE KEY$4,526.69
KEY COLONY BEACH$4,526.69
KEY WEST$4,526.69
LONG KEY$4,526.69
MARATHON$4,526.69
MARATHON SHORES$4,526.69
SUMMERLAND KEY$4,526.69
OLUSTEE$4,527.98
ISLAMORADA$4,529.72
TAVERNIER$4,529.72
PORT SAINT LUCIE$4,534.00
KILLARNEY$4,547.56
WINTER GARDEN$4,547.56
CHRISTMAS$4,552.27
WINDERMERE$4,554.63
WINTER PARK$4,580.97
TERRA CEIA$4,631.02
PALMETTO$4,632.04
KENANSVILLE$4,641.48
ANNA MARIA$4,645.27
SAINT CLOUD$4,673.31
NOBLETON$4,692.22
KISSIMMEE$4,794.15
BROOKSVILLE$4,803.72
ORLANDO$4,815.99
INTERCESSION CITY$4,821.71
ISTACHATTA$4,862.62
SPRING HILL$4,939.52
JUPITER$5,021.92
SAINT LEO$5,117.09
TRILBY$5,117.09
APOLLO BEACH$5,148.29
RUSKIN$5,148.29
SUN CITY CENTER$5,148.29
ZEPHYRHILLS$5,178.14
PLANT CITY$5,180.82
WESLEY CHAPEL$5,181.10
WIMAUMA$5,181.56
DADE CITY$5,186.49
SAN ANTONIO$5,186.49
BELLEAIR BEACH$5,202.66
INDIAN ROCKS BEACH$5,202.66
PALM BEACH GARDENS$5,205.58
SEMINOLE$5,224.69
LAND O LAKES$5,227.94
LAKE HARBOR$5,237.37
CLEARWATER BEACH$5,245.84
NORTH PALM BEACH$5,254.51
LARGO$5,272.06
TARPON SPRINGS$5,274.92
HUDSON$5,299.90
SAFETY HARBOR$5,308.69
CLEARWATER$5,312.93
DOVER$5,315.37
SAINT PETERSBURG$5,326.07
CRYSTAL BEACH$5,327.87
OLDSMAR$5,327.87
OZONA$5,327.87
PALM HARBOR$5,334.98
PINELLAS PARK$5,343.58
PAHOKEE$5,346.40
DUNEDIN$5,347.35
BELLE GLADE$5,357.60
SOUTH BAY$5,357.60
LITHIA$5,365.64
CANAL POINT$5,366.43
ARIPEKA$5,367.21
VALRICO$5,369.25
NEW PORT RICHEY$5,374.02
HOLIDAY$5,382.04
PORT RICHEY$5,395.44
LOXAHATCHEE$5,417.48
THONOTOSASSA$5,517.60
LUTZ$5,523.86
RIVERVIEW$5,566.33
SEFFNER$5,573.93
ODESSA$5,576.04
GIBSONTON$5,601.96
SUN CITY$5,636.26
DURANT$5,636.99
SYDNEY$5,636.99
BRANDON$5,770.98
FORT LAUDERDALE$5,923.21
BOCA RATON$5,959.79
HOLLYWOOD$5,967.06
DEERFIELD BEACH$5,988.00
WELLINGTON$6,004.71
POMPANO BEACH$6,016.14
BOYNTON BEACH$6,104.32
WEST PALM BEACH$6,107.70
DELRAY BEACH$6,124.22
PALM BEACH$6,225.52
LAKE WORTH$6,245.65
MIAMI BEACH$6,292.94
DANIA$6,332.00
TAMPA$6,340.98
HALLANDALE$6,446.92
NORTH MIAMI BEACH$6,570.63
KEY BISCAYNE$6,683.63
HOMESTEAD$6,888.54
MIAMI$6,963.04
OPA LOCKA$6,972.48
HIALEAH$7,130.02
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Best Car Insurance Companies in Florida

Finding the perfect car insurance coverage for you is already stressful, let alone the hundreds of insurance companies vying for your business. That can be really overwhelming.

To help ease your stress, we’ve done the hard part for you! We’ve collected data and information for some of the largest insurance providers in Florida for you.

In this section, we’ll talk about these companies’ financial ratings, their best customer ratings, their complaint indexes, and more.

Largest Companies Financial Rating

Just like companies like to know what your financial health is like, you’ll want to know what their financial history is like as well.

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There’s actually an easy way for you to know this, and it’s known as the A.M. Best rating.

It’s an organization that essentially gives a grade to insurance providers on their financial health, based on numerous factors.

In Florida, the largest companies have the following A.M. Best ratings:

Florida Providers (Listed by Size, Largest to Smallest):A.M. Best Rating:
GeicoA++
State FarmA++
USAAA++
AllstateA+
ProgressiveA+
FarmersA
Liberty MutualA
Travelers GroupA
AmTrust NGH GroupA-
J. Whited Group (Windhaven)A-
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Companies with the Best Customer Ratings

One of the biggest indicators of how well you will work with an insurance company is by knowing how satisfied other customers are with that company. It’s easy to assume that if a company has a high customer satisfaction rating, you’ll probably be pretty satisfied with them as well.

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A study conducted by J.D. Power was done to find out, based on what region of the country you live in, what the top companies in that region were for customer satisfaction.

Below is the results found just for Florida alone:

Florida JD Power 2019

Companies with Most Complaints in Florida

It’s reasonable to assume that by wanting to know how satisfied customers are with a company, you’ll also want to know how unsatisfied customers are with that company as well.

The table below is the complaint indexes for the various insurance providers in Florida.

RankTop Providers by Market Share in FLComplaints 2017Complaints 2016Complaints 2015
1Geico757252
2State Farm351349394
3Progressive140153149
4Allstate464957
5USAA533321
6Liberty Mutual251523
7Travelers211
8AmTrustN/AN/AN/A
9Windhaven544629398
10Infinity137141179
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Florida Car Insurance Rates by Company

CompanyAverage Annual RateCompared to State AveragePercentage Compared to State Average
Allstate F&C$7,440.46$2,760.0037.09%
GEICO General$3,783.63-$896.83-23.70%
Liberty Mutual Ins Co$5,368.15$687.6912.81%
Allied P&C$4,339.60-$340.86-7.85%
Progressive Select$5,583.30$902.8416.17%
State Farm Mutual Auto$3,397.67-$1,282.79-37.75%
USAA$2,850.41-$1,830.05-64.20%
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Commute Rates by Companies

How far you travel on a regular basis can affect how much you’re paying for your insurance coverage. Some companies will charge more the farther you commute, so we found the commute rates by company for you:

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Company10 miles commute/6000 annual mileage.25 miles commute/12000 annual mileage.
Allstate$7,227.85$7,653.06
Progressive$5,583.30$5,583.30
Liberty Mutual$5,193.97$5,542.32
Nationwide$4,339.60$4,339.60
Geico$3,765.00$3,802.25
State Farm$3,278.22$3,517.12
USAA$2,818.01$2,882.80
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As you can see, several larger companies in Florida charge more for your commute. Companies like Progressive and Nationwide, however, charge the same rate regardless of your commute.

Coverage Level Rates by Companies

No one likes paying more to get less, right? So why do it for insurance coverage? You could actually be paying more for your coverage level than if you were to compare company rates by coverage level.

CompanyLow CoverageMedium CoverageHigh Coverage
Allstate$5,762.84$7,820.73$8,737.79
Progressive$4,681.36$5,712.27$6,356.27
Liberty Mutual$4,921.70$5,456.65$5,726.09
Nationwide$3,427.69$4,511.14$5,079.97
Geico$3,105.08$3,915.19$4,330.61
State Farm$2,915.85$3,477.29$3,799.88
USAA$2,450.79$2,954.56$3,145.87
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As you can see, for instance, a low coverage plan with Nationwide would cost $3,427.69, while a high coverage plan with USAA would only cost you $3,145.87. That’s $281.82‬ more for a lower coverage plan.

Credit History Rates by Companies

Yes, companies check your credit history when you are purchasing car insurance coverage. Think of it this way, they want to help give you the best coverage possible, but they also want to get paid at the end of the day.

Therefore, the worse your credit history is, the higher your insurance rate will tend to be.

CompanyPoor CreditFair CreditGood Credit
Allstate$10,432.38$6,574.17$5,314.82
Progressive$7,278.07$5,169.65$4,302.18
Liberty Mutual$6,921.08$5,073.66$4,109.70
Geico$5,509.78$3,335.60$2,505.51
Nationwide$5,441.06$3,981.62$3,596.12
State Farm$4,651.82$3,045.80$2,495.39
USAA$4,639.45$2,266.46$1,645.31
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Driving Record Rates by Companies

Kind of like with your credit history, companies also factor in your driving record as well. The more violations and accidents on your record, the higher the risk of a customer you are to them, therefore they’ll charge you more.

CompanyClean RecordOne Speeding ViolationOne AccidentOne DUI
Allstate$6,417.39$7,119.64$7,700.66$8,524.13
Liberty Mutual$3,869.33$5,285.32$5,026.31$7,291.64
Progressive$4,407.95$5,915.72$6,519.19$5,490.35
Nationwide$3,705.32$4,114.99$4,065.71$5,472.37
Geico$2,636.72$4,116.12$3,368.94$5,012.72
USAA$2,233.94$2,341.64$2,755.24$4,070.81
State Farm$3,105.11$3,397.66$3,690.25$3,397.66
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The best way to keep your rates low in this category is to make sure you keep as clean of a driving record as you can.

Number of Insurers in Florida

When it comes to car insurance providers, there are specifically two distinct classes of providers; domestic providers and foreign providers.

A domestic provider is a provider who is local to the state it offers coverage for, and can only provide insurance coverage for that particular state. Think of it as that local little ‘mom and pop’s’ kind of shop that’s only unique to your area.

A foreign provider is a provider who is located in many different states and can offer insurance coverage for many states in the nation. These would be the bigger insurance companies you’ve heard of like Allstate or Geico.

So how many do you have to choose from in Florida?

  • Domestic Providers = 114
  • Foreign Providers = 953
  • Total Providers = 1,067

That’s a lot to choose from.

Florida State Laws

Florida is the land of sunny beaches and gator-filled swamps, so it’s reasonable to assume that it’s a very unique place. Such a unique place would then have some unique state laws to match that.

In this section, we’ll discuss state laws in Florida regarding such topics as car insurance laws, safety laws, and more.

Car Insurance Laws

It is required in Florida for all drivers to have at least the minimum liability coverage. Due to this, Florida has some pretty specific laws about car insurance in order to ensure that all drivers are following this.

High-Risk Laws

If you have a less than stellar driving record, you’ve probably been labeled as something known as a high-risk driver.

This label can make it pretty difficult for you to obtain the proper insurance coverage that you need, but since you are legally required to have at least the minimum liability coverage, what are you to do?

If you are one such person to have a DUI on your record and let their insurance lapse, you will be required to file an FR44 form. Filing this form requires that the driver will carry increased limits on their policy as follows:

  • $100,000 – Bodily Injury Liability per person
  • $300,000 – Bodily Injury Liability per accident
  • $50,000 – Property Damage Liability

If you do not have a DUI on your record but have been labeled as a high-risk driver, you’ll have to get an SR-22 Certification.

You will then have to carry the SR-22 for three years if:

  • You have been in a car accident that causes injuries or property damage.
  • Your driver’s license has been suspended due to excessive traffic violation points.
  • Your driver’s license has been habitually revoked.

Low-Cost Insurance

Florida currently does not have any low-cost government programs available, but this shouldn’t discourage you if you’re trying to save some cash on your insurance.

Do you know what one of the easiest ways for you to save money on your car insurance is, aside from having a clean driving record and good credit history? Car insurance discounts.

Check out the list below of some of the most common car insurance discount to see if you qualify for any:

  • Good Student
  • Safe Driver / Accident-less Driver
  • Homeowners
  • Multiple Vehicles
  • Paperless / Green (discounts offered if you opt for a paperless insurance policy)
  • Auto-Payments
  • Safety Devices

Windshield Coverage

As you know, things can happen when you’re out on the road that you may never expect. One of which is any damage happening to your windshield where you would need to repair or even replace it. In certain states in the nation, there are particular laws regarding windshield coverage.

Luckily for those in Florida, there are no specific laws regarding windshield coverage.

Should you decide to add windshield coverage to your policy, however, according to Florida Statute 627.7288, as long as you have comprehensive insurance coverage, you will not have to pay a deductible.

Automobile Insurance Fraud in Florida

According to the Insurance Information Institute (III), insurance fraud accounts for approximately $30 billion in losses, each year! That is a substantial amount of money being taken by fraud.

This, as well as many other reasons, is precisely why every insurance fraud is illegal in every state across the nation. The state of Florida is no different.

Florida and Insurance FraudDetails
Insurance Fraud Classified as a Crimeyes
Immunity Statuesyes
Fraud Bureauyes
Mandatory Insurer Fraud Planyes
Mandatory Auto Photo Inspectionno
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Statute of Limitations

Should you ever be in an accident, and you need to file a claim or a lawsuit, you’ll want to be aware of something known as the statute of limitations.

What is the statute of limitations? It’s essentially the legal amount of time that you have in order to submit any claims or file any lawsuits after an accident.

If you don’t meet this time cap, any claim or lawsuit you are trying to present will be immediately thrown out! So how long do you have in Florida?

  • Personal Injury: Four years (Two years for wrongful death)
  • Property Damage: Four years

Check out the video below if you want a better explanation of the statute of limitations pertaining to Florida.

Vehicle Licensing Laws

Just like with car insurance, Florida has some vehicle licensing laws that you’ll want to familiarize yourself with in order to hop behind the wheel.

Penalties for Driving without Insurance

As we’ve mentioned a few times in this guide, you are required by Florida law to have at least the minimum liability coverage. But what would happen to you if you were caught without this coverage?

Well, if you are caught driving without insurance, you’ll be facing the following penalties:

  • First offense: Suspension of license and registration until reinstatement fee is paid and non-cancelable coverage is secured; $150 fee for first reinstatement
  • Second offense: Suspension of license and registration until reinstatement fee is paid and non-cancelable coverage is secured; $250 fee for second reinstatement

If you take anything away from this comprehensive guide, we hope that you take away the importance of having at least the minimum liability coverage in Florida.

Teen Driver Laws

One of the biggest milestones of a teenager’s life is the day you get your driving license and are free to hit the road. Well, before teens hit the road, they’re going to want to adhere to the following rules and regulations:

Young Driver Licensing SystemDetails
To get a learners license you must:Be a minimum age of 15
Before getting a license or restricted license you must:Be a minimum age of 16

Have a minimum supervised driving time of 50 hours (10 of which must be at
night)

Have a mandatory holding period of 12 months
Restrictions during intermediate or restricted license stage:11 p.m.-6 a.m. for 16 year-olds; 1 a.m.-5 a.m. for 17 year-olds

Passenger restrictions: None
Minimum age at which restrictions may be lifted:18 years-old
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License Renewal Procedures

Florida has the following license renewal procedures according to the Insurance Institute for Highway Safety:

License Renewal Cycle in FloridaGeneral PopulationOlder Population
Renewal Cycle8 years6 years for people 80 years and older
Proof of Adequate VisionWhen renewing in person80-years-old and older, every renewal
Mail/Online Renewal Permitted?Both, every other renewalBoth, every other renewal
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New Residents

Considering moving to the sunshine state? You aren’t alone. But if you are a new resident, you’ll want to make sure to add the following to your checklist.

You will want to get your Florida driver’s license at the local Florida DMV. If you already have a valid out-of-state license, you’ll be able to get a Florida driver’s license without taking a driving or written test.

You will need to register your vehicle within 30 days if any of the following applies:

  • becoming employed
  • placing children in public school
  • establishing residency

To get your vehicle registered, you will need to get the vehicle’s identification number (VIN) physically inspected and verified by one of the following:

  1. A law enforcement officer from any state.
  2. A licensed Florida or out of state motor vehicle dealer.
  3. A Florida DMV Compliance Examiner/Inspector, DMV or tax collector employee.
  4. A notary public commissioned by the state of Florida.
  5. Provost Marshal or a commissioned officer in active military service, with a rank of 2nd Lieutenant or higher or an LNC, “Legalman, Chief Petty Officer, E-7”

Rules of the Road

Now that you’ve gotten your insurance and licensing taken care of, you’re going to want to know some of the specific rules of the road.

Fault Versus No-Fault

In previous sections, we’ve discussed the fact that Florida is considered a “no-fault” state.

As a refresher, no-fault states are states in which regardless of who is at fault of a car accident, you will have to rely on your own insurance coverage for the costs of that accident.

This is precisely why having the minimum liability coverage is so important! Not only will you get into trouble just because you don’t have it (which will cost you as we mentioned in an earlier section), but you will also have to pay out of pocket for the costs of that accident.

Seat Belt and Car Seat Laws

In Florida, according to the Insurance Institute for Highway Safety (IIHS), the following seat belt and car seat laws are in effect:

Florida Seat Belt LawsDetails
Initial effective date07/01/86
Primary enforcement?yes; effective 6/30/09
Who is covered? In what seats?6+ years in front seat; 6 through 17 years in all seats
Maximum base fine 1st offense, additional fees may apply$30
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Florida Car Seat LawsDetails
Must be in child safety seat5 years and younger
Adult belt permissiblenot permissible
Maximum base fine 1st offense, additional fees may apply$60
Preference for rear seatlaw states no preference for rear seat
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Keep Right and Move Over Laws

Keep Right and Move Over laws are two sets of laws in Florida that will be the easiest for you to follow. We’ll show you what we mean.

Keep Right laws state that if you are driving slower than the traffic around you, you need to keep to the right lane. Easy right?

Move Over laws are just as easy. If you are driving and see another vehicle that has flashing lights, move over. Types of vehicles like this would be law enforcement, fire trucks, ambulances, utility vehicles, and more. So if you’re driving and see one of these vehicles that have their lights flashing, you’ll want to safely move to another lane.

If you can not move over to another lane safely, you will need to reduce your speed to 20 mph less than what the posted speed limit sign states.

Speed Limits

According to the Insurance Institute for Highway Safety (IIHS), Florida has the following speed limits:

  • Rural Interstates = 70 mph
  • Urban Interstates = 65 mph
  • Limited Access/Other Roads = 70 mph
  • Other Roads = 65 mph

Safety Laws

At the end of the day, we want all drivers out on the road to be as safe as possible. After all, accidents can happen. But in order to help cut down on this likelihood, Florida has a few safety laws you’ll want to know.

DUI Laws

One of the most preventable causes of car accidents in the nation is drinking and driving.

Because of this, states are cracking down on those who choose to drink and drive. Florida has the following DUI laws in place:

Florida DUI LawsDetails
BAC Limit0.08%
High BAC Limit0.15%
Criminal Status by OffenseFirst and Second: misdemeanors; Third and subsequent within 10 years: Third degree felony
Formal Name for OffenseDriving Under the Influence (DUI)
Look Back Period/Washout Period10 year for first - third offenses;
Unlimited/lifetime for fourth and subsequent offenses
Mandatory InterlockRepeat offenders
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If you don’t adhere to these laws, you could be facing the following penalties:

Number of OffensesALS/RevocationImprisonmentFineOther
1st Offense180 days minimum up to one yearEight hours minimum, but not more than six months;
With high BAC or
a minor in car: not more than nine months;
For a first conviction, total period of probation and incarceration may not exceed one year
$500-$1000;
High BAC or minor in car: $1000-$2000
Car impounded for 10 days unless family has no other transportation;
Mandatory 50 hours community service or additional fine of $10 for each hour of community service required
2nd OffenseSecond within five years: minimum five year revocation; Second in six or more years: minimum 180 days up to one year revocationNot more than nine months;
With high BAC or a minor in car: not more than 12 months;
If second in five years: mandatory imprisonment at least 10 days with 48 hours consecutive
$1000-$2000;
High BAC or a minor in car: $2000-$4000
Second in five years: car impounded for 30 days unless family has no other transportation
3rd OffenseThird in 10 years of second conviction: minimum 10 year revocation, may be eligible for hardship reinstatement after two yearsWithin 10 years: mandatory 30 days with 48 consecutive hours;
If over 10 years: imprisonment for not more than 12 months
Within 10 years from 2nd conviction: $2000-$5000;
High BAC or minor in car, $4000 min
Within 10 years: car impounded for 90 days unless family has no other transportation
4th OffenseMandatory permanent revocation with no hardship reinstatement allowedNot more than five years$2000 minimumSame as 3rd offense
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Moral of the story, don’t drink and drive, it’s not worth it.

Distracted Driving Laws

Since the dawn of the age of technology, particularly the invention of the smartphone, distracted driving has increased. It’s dangerous as it only takes a second of your attention away from the road in front of you for an accident to occur.

Florida has set the following distracted driving laws in place to help cut down on this:

Restrictions on Cell Phone use and Texting 
Hand-held banYes
Young drivers all cellphone banNo
Texting banYes - all drivers
EnforcementPrimary
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Driving in Florida

Now that you’ve gotten your insurance needs taken care of, you’ll want to know exactly what you’re going to deal with out on the road, right?

In this final section, we’ll discuss the various facts and statistics about driving in Florida that you’ll want to arm yourself with before you hit the open road.

Vehicle Theft in Florida by Vehicle Type

Make/ModelYear# of Thefts
Ford Pickup (Full Size)20062,070
Honda Civic20001,127
Nissan Altima20151,098
Toyota Camry20141,089
Honda Accord19971,025
Toyota Corolla2014914
Chevrolet Pickup (Full Size)2015786
Chevrolet Impala2015542
Dodge Pickup (Full Size)2005534
Nissan Maxima2014479
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Road Fatalities in Florida

In this section, we’ll discuss some of the road fatality statistics for Florida. We know, it’s the rougher side of driving, but we feel it’s important that you know this kind of information.

The various factors below that contribute to the road fatalities in Florida are according to the National Highway Traffic Safety Administration (NHTSA).

Fatal Crashes by Weather Condition and Light Condition

Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal
Normal1,12580165814742,735
Rain61473150144
Snow/Sleet000000
Other38243240
Unknown012003
TOTAL1,18985771515562,922
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All Fatalities by County

County Name20132014201520162017
Miami-Dade225280339294285
Broward180173224245225
Hillsborough171158190228190
Orange124143142171189
Palm Beach137130187181162
Duval133120133156151
Volusia908687122130
Pinellas83116103128118
Lee928195105113
Polk94113112137111
Pasco55717086107
Marion4655707090
Brevard7665829884
Alachua3330374655
Osceola4250494955
Manatee4049567154
Escambia4543494651
Sarasota3131586849
Lake4841615548
Seminole4430444147
St. Johns3139373042
St. Lucie3338363541
Hernando2920352534
Leon1833294034
Flagler1624122533
Okaloosa2229342132
Citrus1726292431
Bay1730323829
Indian River2222242628
Charlotte2219233027
Putnam1920202626
Martin1520303425
Collier3339463523
Levy2113212323
Sumter1920171723
Clay1018332621
Walton171391721
Columbia1715222020
Gadsden126121819
Santa Rosa3118191319
Highlands2121222118
Monroe2011213218
Nassau1017152218
Jackson918301817
Desoto27161115
Suwannee1317122014
Glades8314213
Okeechobee12961013
Taylor664613
Hardee5102512
Holmes659910
Washington835510
Gulf22219
Hamilton36559
Hendry11810199
Baker9212137
Bradford541067
Wakulla322147
Lafayette50425
Dixie92624
Gilchrist43354
Jefferson61574
Union21324
Liberty21043
Madison94772
Calhoun12431
Franklin22151
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Road Type Fatalities

Roadway Type20132014201520162017
Rural969634859870674
Urban1,4341,8601,9722,2751,731
Unknown0010731707
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Person Type Fatalities

Person TypeNumber of Fatalities
Traffic Fatalities3,112
Passenger Vehicle Occupant Fatalities
(All Seat Positions)
1,009
Motorcyclist Fatalities590
Pedestrian Fatalities654
Bicyclist and Other Cyclist Fatalities123
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Crash Type Fatalities

Crash TypeFatalities
Single Vehicle1,622
Involving a Large Truck292
Involving Speeding299
Involving a Rollover538
Involving a Roadway Departure1,122
Involving an Intersection (or Intersection Related)1,134
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Five-Year Trend for the Top 10 Counties

County20132014201520162017
Miami-Dade County225280339294285
Broward County180173224245225
Hillsborough County171158190228190
Orange County124143142171189
Palm Beach County137130187181162
Duval County133120133156151
Volusia County908687122130
Pinellas County83116103128118
Lee County928195105113
Polk County94113112137111
Total for All Counties2,4032,4942,9383,1763,112
Total for Top Ten Counties1,3291,4001,6121,7671,674
Total for All other Counties1,0741,0941,3261,4091,438
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Speeding Fatalities by County

CountyFatalities Involving Speeding (2016)Fatalities Involving Speeding per 100,000 Population (2016)
Gadsden County613
Liberty County112.02
Desoto County38.35
Jackson County48.28
Hendry County37.57
Hamilton County16.98
Martin County85.05
Levy County25.02
Suwannee County24.56
Taylor County14.52
Bay County73.83
Bradford County13.74
Baker County13.58
Walton County23.06
Columbia County22.89
Charlotte County52.81
Sarasota County112.66
Alachua County62.27
Volusia County122.27
Palm Beach County312.13
Marion County72.01
Indian River County31.98
Hillsborough County271.95
Lee County121.66
Polk County111.65
Brevard County91.56
Okaloosa County31.5
Broward County281.46
Clay County31.45
Citrus County21.4
Pinellas County131.35
Manatee County51.33
Monroe County11.29
Nassau County11.25
Pasco County61.18
Miami-Dade County301.1
Seminole County51.1
Leon County31.05
St. Lucie County30.98
Duval County90.97
Escambia County30.96
Flagler County10.93
Lake County30.89
Orange County100.76
Hernando County10.55
St. Johns County10.43
Collier County10.27
Calhoun County00
Dixie County00
Franklin County00
Gilchrist County00
Glades County00
Gulf County00
Hardee County00
Highlands County00
Holmes County00
Jefferson County00
Lafayette County00
Madison County00
Okeechobee County00
Osceola County00
Putnam County00
Santa Rosa County00
Sumter County00
Union County00
Wakulla County00
Washington County00
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Alcohol-Impaired Fatalities by County

CountyNumber of DUI-Related Fatalities (2016)DUI-Related Fatalities per 100,000 Population (2016)
Jefferson County321.53
Hamilton County320.94
Putnam County1317.95
Baker County517.91
Madison County316.39
Hendry County512.61
Liberty County112.02
Monroe County911.64
Lafayette County111.56
Gadsden County510.83
Jackson County510.35
Wakulla County39.41
Suwannee County49.13
Franklin County18.48
Desoto County38.35
Bay County158.2
Walton County57.64
Volusia County407.56
Nassau County67.51
Bradford County27.48
Highlands County76.89
Union County16.55
Martin County106.31
Dixie County16.07
Columbia County45.77
Duval County535.72
Charlotte County105.61
Flagler County65.57
Marion County195.46
Manatee County205.33
Holmes County15.15
Sarasota County215.09
Hillsborough County705.07
Polk County334.95
Citrus County74.9
Leon County144.88
Lake County164.77
Indian River County74.62
Lee County334.57
Orange County604.53
Taylor County14.52
Pinellas County434.47
Clay County94.34
Brevard County254.33
Washington County14.09
Pasco County203.92
Escambia County123.85
St. Johns County93.83
Palm Beach County543.71
Hardee County13.65
Osceola County123.55
Broward County663.44
Alachua County93.4
Hernando County63.29
Sumter County43.28
St. Lucie County92.94
Miami-Dade County732.67
Seminole County122.63
Levy County12.51
Okeechobee County12.46
Okaloosa County42
Collier County61.64
Santa Rosa County21.18
Calhoun County00
Gilchrist County00
Glades County00
Gulf County00
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Teen Drinking and Driving

What’s one of the worst parts of the statistics above? This includes teen drivers.

According to Responsibility, the following data for teen drinking and driving in Florida has been found:

Teens and Drunk DrivingDetails
Alcohol-Impaired Driving Fatalities Per one million people1.6
Higher/Lower Than National Average (1.2)Higher
DUI Arrests (Under 18 years old)109
DUI Arrests (Under 18 years old) Total Per Million People26.29
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Transportation

It’s the final countdown. Or section, we should say! Here, we will tackle some of the facts and statistics of transportation in the state of Florida.

The data for this section (for Car Ownership, Commute Time, and Commuter Transportation) was taken from the Census Bureau via DataUSA.io.

Car Ownership

On average, Florida citizens tend to own two vehicles per household.

Commute Time

When it comes to commute, the usual American citizen spends approximately 25.5 minutes in traffic, while in Florida, citizens tend to spend 26.1 minutes in traffic.

Meaning that Florida citizens tend to spend more time in traffic compared to most citizens in the nation.

Commuter Transportation

Most in the nation prefer to drive alone in their commute, which is definitely true for Florida citizens as well with an astounding 79.4 percent.

Traffic Congestion in Florida

One of the most frustrating parts of driving? Getting stuck in traffic.

Unfortunately for those of you cruising the Florida roads, you have a few cities you’ll want to steer clear of in rush hour!

According to the INRIX Scorecard, Florida has the following traffic congestion data:

CityHours Spent in Congestion AnnuallyCost of Congestion Per Driver Per Year
Miami105 hours$1,470
Tampa87 hours$1,216
Orlando74 hours$1,037
Jacksonville60 hours$840
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TomTom has the following traffic information on Florida:

CityWorld RankCongestion LevelExtra Travel TimeMorning / Evening PeakHighways / Non-Highways
Jacksonville, FL31417%+10 min
per 30 min trip
in the morning
+13 min
per 30 min trip
in the evening
32% / 43%10% / 22%
Orlando, FL22122%+10 min
per 30 min trip
in the morning
+16 min
per 30 min trip
in the evening
33% / 52%12% / 27%
Tampa, FL20723%
+12 min
per 30 min trip
in the morning
+16 min
per 30 min trip
in the evening
39% / 53%18% / 25%
Miami, FL10130%+16 min
per 30 min trip
in the morning
+16 min
per 30 min trip
in the morning
52% / 63%20% / 35%
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Finally, according to Numbeo, Florida’s traffic congestion has the following data:

Florida CityTraffic IndexTime Index (in minutes)Time Exp. IndexInefficiency IndexCO2 Emission Index
Miami, FL212.7943.022635.68240.5510591.95
Orlando, FL181.0037.08909.89230.669716.53
Tampa, FL175.7436.33769.44206.289469.60
Jacksonville, FL171.0235.19585.71222.859350.92
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You did it, you made it to the end. We sincerely hope that this comprehensive guide was able to help you select the perfect insurance coverage for your needs.

If you’re ready to start comparing today, don’t forget to use our FREE online tool, all you need is your zip code.

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