BudgetAutoRates Cheapest car insurance in Florida (2026)
Skip the averages. Get your actual Florida rate.
Enter the 5-digit ZIP where the car is parked.
256-bit encryption · Scout guards the burrow. No spam.
Scout's quick take
- Cheapest liability we found: State Farm at $57/mo for a clean-record 35-year-old
- Florida average runs 58% above national: $92/mo liability, $316/mo full coverage
- State minimum is 0/0/10; driving uninsured risks fines, license suspension, and SR-22 requirements
BudgetAutoRates affordability gauge: Florida premiums vs state median income. Local claim costs and pricing pressure keep the needle out of the green.
Cheapest companies in Florida, compared
| Company | Liability / mo | Full coverage / mo | Best for |
|---|---|---|---|
| State Farm | $57 | $196 | Overall cheapest |
| GEICO | $63 | $215 | Digital-first drivers |
| Progressive | $73 | $250 | High-risk / SR-22 |
| Allstate | $85 | $291 | Bundling home + auto |
| Farmers | $92 | $316 | Agent relationships |
| Liberty Mutual | $100 | $344 | Custom coverage add-ons |
Illustrative estimates for a clean-record 35-year-old, built from public rate benchmarks and our cost model, not quotes; see our methodology.
Where does your ZIP land?
Premiums swing ZIP to ZIP, so start with five digits.
Enter the 5-digit ZIP where the car is parked.
256-bit encryption · Scout guards the burrow. No spam.
Florida minimum coverage: PIP state ($10,000 PDL)
Florida requires personal injury protection and property-damage liability on every registered vehicle. The legal floor:
- $10,000 personal injury protection (PIP)
- $10,000 property damage per accident
Minimum coverage keeps you legal, not necessarily solvent: the average new truck costs more than $10,000 to replace, so one at-fault accident can outrun your property-damage limit.
No-fault state: only $10k PIP + $10k PDL required for registration; no BI liability mandate for most drivers (10/20 BI financial-responsibility applies after crashes/DUI).
Minimums cross-checked against Insurance Information Institute and state DOI sources, July 2026; see our methodology. Rules change; verify current minimums with your state's Department of Insurance.
Rates by city
Premiums swing inside Florida: traffic density, claim frequency, and repair costs vary from ZIP to ZIP, so quote with your exact address. The largest metros in our Florida sample:
Florida questions, answered
Why is car insurance in Florida expensive?
Rates in Florida run about 58% above the national average, at about $92/mo for liability and $316/mo for full coverage. Traffic density, weather claims, repair costs, and uninsured drivers all feed into local pricing, and comparing 3 or more quotes is the fastest way to come in under the state average.
What happens if I drive uninsured in Florida?
Penalties for driving without required coverage in Florida typically include fines, license and registration suspension, SR-22 filing requirements, and reinstatement fees, with exact amounts set by state law. A minimum-coverage policy usually costs less than the penalties. Verify current penalties with the Florida Department of Insurance, then let Scout find a policy that beats the paperwork.
Compare Florida quotes now
Five digits, about 2 minutes, real quotes from top carriers.
Enter the 5-digit ZIP where the car is parked.
256-bit encryption · No obligation · Scout guards the burrow. No spam.