Cheapest and Best Car Insurance Quotes in Florida (2023)

By | July 31, 2023

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.
Personal injury protection $10,000 per accident
Property damage liability $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 offer 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

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