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Car insurance in floridaNeed affordable Florida automobile insurance? Whether you live in Jacksonville, Miami, Tampa, St. Petersburg, Hialeah, Tallahassee, Fort Lauderdale, or Orlando you can obtain up to ten rate quotes from top providers in your area through AutoInsuranceEZ.com. Prices vary by company and you should compare prices thoroughly before you purchase a policy. We’ll help you find the coverage to meet your needs.

Florida Auto Insurance – Average Premiums

The state average for car insurance in Florida is about $170 each month. However, that rate can vary significantly depending on where you live. In some Florida cities, your monthly premiums could be as low as $60/month, or as high as $265 monthly. Your zip code is the main factor which will determine your rate based on where you park your car at night.

Average Auto Insurance Costs in Florida Legend: Major City Fort Lauderdale Miami Orlando Jacksonville St. Petersburg Tampa Tallahassee Hialeah 25 50 75 100 125 150 175 200 225 250 $178 $226 $133 $127 $172 $180 $82 $258

 

There are several factors that affect the price of Florida vehicle insurance. Your credit history can be used by a carrier to determine rates, and most Florida drivers receive a rate decrease based on their credit score. Another factor that will affect the cost of your car insurance policy is where you live. If you live in an area/zip code where there is a high occurrence of accidents, the insurance premiums will be higher. For instance, a person who lives in Miami will pay more for their policy than a driver who lives in Crystal River, since more cars are damaged in urban areas than in rural areas.

Important Florida Auto Insurance Laws and Requirements

There are many different laws and regulations for Florida drivers, and some of these will heavily influence your monthly rate. For starters, Florida is a no-fault state. The no-fault portion of your cheap Florida car insurance policy is usually called Personal Injury Protection which covers you up to the limits of your policy, regardless of fault. Any person who has a vehicle in Florida for more than 3 months during a year must purchase PIP and Property Damage Liability insurance coverage. The 3 months do not have to be consecutive.

The state also requires Liability insurance, with a minimum of 10,000 in property damage. Unlike in 38 other states, Liability coverage for bodily injuries is not required in Florida.

Coverage Requirements Most Common
Bodily Injury Liability Not required 100,000/300,000
Property Damage Liability 10,000 50,000
Uninsured Motorist Bodily Injury Not required 10,000/20,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 250 deductible

 

Choosing the Right Amount of Florida Car Insurance Coverage

As long as you meet the basic state minimums listed above, you are under no legal obligation to purchase any additional coverage. However, the limited types of coverage required by the state of Florida, and also the low dollar amounts, are highly likely to put you at financial risk should you be involved in an accident. The state minimums also won’t cover things like storm damage, theft, or roadside assistance. It is up to you to use your best judgment and figure out how much coverage to purchase based on your needs and your budget.

Basic vs. Comprehensive Auto Insurance Legend: Basic Coverage Comprehensive Coverage Fort Lauderdale Miami Orlando Jacksonville St. Petersburg Tampa Tallahassee Hialeah State Average 50 100 150 200 250 300 350 400 $165 $182 $136 $286 $79 $197 $74 $286 $94 $223 $110 $223 $60 $105 $265 $410 $123 $239

 

Florida DUI Laws

For the first DUI offense in the state of Florida you will face the following maximum penalties: 6 months imprisonment or up to $1,000 fine if BAL (Blood Alcohol Level) is less than 0.15%; 9 months imprisonment or $2,000 fine if BAL is greater than 0.15% and up to one year license suspension. Likewise, it is highly probable that your insurance rates will go up – or that your insurance company, especially if you are with a company like Liberty Mutual, may choose to drop your coverage completely. It is possible that a judge will decide to suspend your license if you are convicted of a DUI. In such cases, you will have to file an SR-22 form and deal with the legal and financial consequences associated with your driving violation.

DUI Car Insurance Costs in Florida Legend: Clean Record DUI Violation Fort Lauderdale Miami Orlando Jacksonville St. Petersburg Tampa Tallahassee Hialeah State Average 50 100 150 200 250 300 350 400 $178 $246 $226 $285 $133 $163 $127 $156 $172 $229 $180 $229 $82 $137 $258 $403 $170 $231

 

Age Limit Laws

In recent years, national Graduated Driver Licensing laws have been passed in order to increase teen driver safety and reduce accidents. In the state of Florida, these GDL laws allow young drivers to obtain a Learning permit at the age of 15. During the learning stage, the young driver cannot drive unsupervised and they must obtain 50 hours of supervised driving (along with a minimum of 10 hours night time driving) and keep their permit for 12 months before they can qualify for an Intermediate permit. Intermediate permits prohibit unsupervised driving between the hours of 11:00 PM and 6:00 AM for the first 12 months, and between 1:00 AM – 5:00 AM during the next 12 months. There are no passenger restrictions during these 24 months. At the age of 18, young drivers are eligible for their full license. Below are typical rates for teenage driver automotive insurance coverage.

Auto Insurance by Age Legend: Average Rates for Teenage Drivers Fort Lauderdale Miami Orlando Jacksonville St. Petersburg Tampa Tallahassee Hialeah State Average 50 100 150 200 250 300 350 400 450 500 550 $368 $260 $361 $337 $529 $529 $218 $564 $396

 

Credit Score Laws and Regulations

In the state of Florida, it is legal for your insurance provider to alter your rate based on your credit score. It is also your legal responsibility to provide your insurance company with the most accurate and up-to-date information on your credit history. Below, you can see how various credit scores can alter your monthly premium.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Fort Lauderdale Miami Orlando Jacksonville St. Petersburg Tampa Tallahassee Hialeah State Average 50 100 150 200 250 300 350 400 450 500 $145 $234 $170 $302 $100 $160 $94 $302 $138 $183 $138 $183 $63 $100 $172 $535 $127 $250

 

Insuring your Vehicle in Florida

In most states, including Florida, your insurance policy follows your vehicle – not necessarily you, the driver. This means that if you let someone borrow your vehicle, and an accident occurs, you and your insurance company will be liable if the person driving your vehicle is found to be at fault. For this reason, it is very important to make sure all aspects of your vehicle, including the make and model, are accurate on your policy.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxter Spyder Fort Lauderdale Miami Orlando Jacksonville St. Petersburg Tampa Tallahassee Hialeah State Average 50 100 150 200 250 300 350 400 $165 $180 $136 $399 $79 $201 $74 $399 $94 $231 $110 $231 $87 $123 $255 $422 $125 $273

 

Additional Florida Auto Insurance Laws and Requirements

In addition to the laws and regulations above, which can have a very significant impact on your overall rate, there are other important laws and regulations which you will need to follow as a responsible driver. However, disobeying these laws may not necessarily impact your insurance rates as much as those mentioned earlier.

Highway Safety Laws

Aggressive driving includes: failure to yield, improper passing or lane change, speeding, following too close (tailgating), or failing to obey traffic control devices. If you are caught committing two or more of these violations by a law enforcement official, you could receive an aggressive driving citation.

Aggressive Driving Yes
Cell Phones and Texting Laws Secondary All Driver Ban for Texting
Inc. Penalty for High BAC BAC 0.20
Admin. License Susp. on 1st Offense 6 Months for DUI/12 Months for Refusal

 

Speed Limits and Cell Phone Use

In Florida, there is a secondary all-driver ban on texting while driving. With regard to a secondary ban, law enforcement can only cite you for the offense if they first pull you over for a primary offense, such as speeding (see chart below for more information on speed limits). Law enforcement officials are not permitted to perform a traffic stop and write you a ticket for texting alone. Additionally, there is no ban against talking on your cell phone while driving. Despite the legality, please keep in mind that doing so quadruples your likelihood of getting into an accident.

Rural Interstate 70 mph
Urban Interstate 65 mph
Other Limited-Access 70 mph

Important Florida Contacts

Florida Department of Revenue – Motor Vehicle Division – click here for information on obtaining your driver’s license, requirements for ID cards, and vehicle registration.

Official State Florida Website

Florida Department of Insurance

How to contact directly:

Florida Office of Insurance Regulation

200 E. Gaines St.

Tallahassee, FL 32399

Phone: 1-850-413-3140

Compare Florida Car Insurance Companies that Offer the Lowest Rates in Your Area

 

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