Florida Car Insurance

Auto Insurance Quotes in Florida

Are you looking for an affordable car insurance quote in Florida? Maybe you've been a resident of the Sunshine State for a while and are simply looking for a better or more affordable auto policy. Every driver in Florida needs auto insurance coverage. See why millions of policyholders trust GEICO to provide exceptional car insurance in Florida, from liability protection to comprehensive coverage.

If you're buying a new car, comparing car insurance quotes, or looking to switch auto insurance providers, GEICO has the information you need to make an informed decision. We make it easy for you to get a free Florida car insurance quote online.

Required Car Insurance Coverage in Florida

Drivers need to make sure they have the auto insurance coverages required by the state of Florida to legally operate a motor vehicle:

Coverage Type Florida Requirements
Bodily Injury Coverage $10,000 per person and $20,000 per accident*
Property Damage Coverage $10,000 per accident
Uninsured Motorist Coverage $10,000 per person and $20,000 per accident*
Personal Injury Protection $10,000

These are the minimum Florida car insurance coverage requirements, but you should choose the coverage you need when getting an auto quote. If you need help determining how much coverage you need you can use our Coverage Calculator.

*Please note bodily injury liability and uninsured motorist coverages may be waived. Although bodily injury is not a required coverage in Florida, failure to have this coverage in place at the time of an accident that results in bodily injury or property damage, will result in state mandated requirement of bodily injury coverage for the next 3 years.

What is the best car insurance in Florida?

Finding the best car insurance in Florida is about more than just a low price—it's about getting the right coverage. GEICO makes this easy by offering a variety of personalized options to meet your unique needs. Whether it's selecting a deductible that works for your budget or taking advantage of exclusive discounts tailored to your lifestyle. GEICO gives you the tools and flexibility to create a policy that fits you perfectly. With GEICO, you can make confident, informed decisions about your car insurance and enjoy peace of mind on every drive.

What are the factors that may impact car insurance rates in Florida?

Car insurance rates in Florida can be influenced by a variety of factors, including individual circumstances and external variables. These elements can play a significant role in determining the cost of auto insurance for residents, often resulting in a wide range of premium prices. Let’s take a closer look at each factor:

The year, make, and model of your vehicle

  • More expensive cars may lead to higher premiums due to increased repair and replacement costs, while older, less valuable vehicles may come with lower insurance costs due to factors such as depreciation. However, the safety features and theft rates associated with specific makes and models also have significant influence on your insurance rates. Since each of these factors impact your premium, it's important to quote vehicle changes to your policy when car shopping to best understand how a specific vehicle may increase or decrease your rates.

Your driving habits and annual mileage

  • More time on the road or a history of accidents and violations can lead to higher premiums because they indicate a higher risk of potential claims. With car insurance in Florida, being a safe driver pays off.

Where you live in Florida

  • Insurance companies analyze the frequency of accidents, thefts, vandalism, and other risks associated with different areas, and adjust premiums accordingly. Living in an area with a higher number of claims or auto-related incidents can lead to higher car insurance rates, while residing in neighborhoods with fewer car-related incidents may result in lower premiums.

Auto discounts that you may be eligible for

  • Discounts, such as safe driver discounts, bundling, and multi-policy discounts, can help lower your premiums in Florida, making car insurance more affordable.

Florida Car Insurance Discounts

Drivers in the Sunshine State are looking for car insurance that delivers exceptional service along with great value. Discounts on auto premiums available in the state of Florida include:

  • Defensive Driving Discount (age restrictions apply): You may qualify for a discount if you've completed a defensive driving course within the last 3 years.
  • Multi-Policy Discount: Save on your car insurance when you bundle your auto policy with your home, renters, cycle or RV insurance.
  • DriveEasy Discount: You could enjoy a discount on car insurance by enrolling in GEICO's DriveEasy program and practicing safe driving habits.
  • Multi-Vehicle Discount: Save on car insurance when you insure more than one car with GEICO.
Check our car insurance discounts page to learn more about the discounts that are available to eligible GEICO policyholders.

Florida Car Insurance Laws

Car in Florida

According to the Florida Department of Highway Safety and Motor Vehicles (DHSMV), all drivers in the state must have auto insurance coverage. If you are pulled over, you can be fined for not having valid proof of Florida car insurance. So be sure to have your insurance ID card when you drive.

Two important Florida car insurance laws to be aware of are the Financial Responsibility Law and the No-Fault Law:

  • The Financial Responsibility Law—requires certain drivers to carry full liability auto insurance coverage due to their driving history. These drivers include those at fault for past accidents resulting in injury to others, and those who have received excessive points against their license, a DUI or a revocation due to serious and/or repeated offenses.
  • The Florida No-Fault Law—requires all drivers to carry Personal Injury Protection (PIP). This coverage helps pay the insured's medical bills in the event of an accident, regardless of fault. People often think drivers can't be legally pursued for injuries they cause in an accident because Florida is a No-Fault state, but that isn't right. No-Fault just means that drivers involved in an accident rely on their own car insurance providers to pay for subsequent costs.

Florida Proof of Insurance Information

Can I maintain my current car insurance policy issued in my previous state of residence?

  • No. The minimum required insurance must be a Florida policy issued through an insurance company licensed to sell in Florida.

What if I fail to keep insurance on my vehicle that I have registered in Florida?

  • The Department of Highway Safety and Motor Vehicles is authorized to suspend your driving privilege, including your vehicle tag and registration, for up to three years or until proof of Florida insurance is provided, whichever is first.

If my driving privilege is suspended because I am not properly insured, is there a penalty to reinstate my license?

  • Yes. You must pay a reinstatement fee of $150 up to $500. You will also have to satisfy any other violations you may have incurred and provide proof of current Florida car insurance.

Florida Teen Driving Laws

Florida teen driver

Florida uses a graduated licensing system. This system allows teen drivers to safely gain driving experience under varied conditions and circumstances before obtaining full driving privileges. It's important for teens and parents to understand these laws:

  • At the age of 15, a teen may apply for a learner's license.
  • For the first 90 days with a learner's license, a teen may only drive during daylight hours. After 90 days, the learner's license allows a teen to drive until 10:00 PM. A licensed driver over the age of 21 must always accompany the teen driver.
  • After a teen has held a learner's license for at least one year, and has at least 50 hours of certified practice, 10 of which must be at night, the teen may apply for a driver's license.
  • At 16 years old, a teen with a driver's license generally may only drive between 6:00 AM - 11:00 PM.
  • At 17 years old, a teen with a driver's license generally may drive only between 5:00 AM - 1:00 AM.
  • Most license restrictions are lifted when a driver reaches 18 years of age.

Benefits of Choosing GEICO for Your Florida Car Insurance Coverage

GEICO has been providing reliable car insurance to drivers since 1936. When Florida drivers choose GEICO, they have access to:

  1. 24/7 claims support
  2. The Award-Winning GEICO Mobile App
  3. Exclusive discounts
  4. Fast, easy claims processing
  5. And more!

Florida Auto Insurance Agents

GEICO has experienced insurance agents in offices across Florida who are ready to help you. We can answer questions you have about your car insurance in Florida. Dedicated agents you can speak with in-person or over-the-phone, along with access to 24/7 claims and our optional Emergency Roadside Service, are just a few reasons our Florida drivers switch to GEICO. Learn more about our Florida insurance agents.

Florida Driving Resources

FAQs about car insurance in Florida

  • How much is car insurance per month in Florida?
    The cost of car insurance per month in Florida depends on several factors, including your age, driving history, location, and type of coverage you choose. The make and model of your car, your credit score, and the presence of any safety features can also impact you premium.
  • Is Florida the most expensive state for car insurance?
    Florida consistently ranks among the most expensive states for car insurance due to factors like a high number of uninsured drivers and fraud frequency, but it's not always the most expensive. While rates can be high, they vary significantly depending on your personal circumstances, coverage choices, and applicable discounts.
  • What Florida car insurance coverage is right for you?
    The right car insurance coverage in Florida depends on your needs and budget. At a minimum, Florida requires Personal Injury Protection (PIP) and Property Damage Liability (PDL). However, many drivers opt for additional coverage like collision, comprehensive, and uninsured motorist protection to ensure greater financial security in case of an accident. Customizing your coverage with a trusted provider can help you balance affordability with peace of mind.

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