Florida Auto Insurance Quotes

Florida auto insurance As a Florida resident, you are required to carry, at a minimum, liability auto insurance on any vehicle you own whether it is regularly driven or not. Vehicles with auto loans are required by the lender to have full coverage until the loan is paid off. The Florida Department of Highway Safety and Motor Vehicles (DMV) requires you to have the following coverage in order to obtain a Florida license plate:

  • A minimum of $10,000 of Personal Injury Protection (PIP.)
  • A minimum of $10,000 of Property Damage Liability (PD.)

Florida's minimum liability auto insurance amounts are regulated by the Florida Department of Financial Services (FDFS). This department also mandates the Florida Financial Responsibility Law and the Florida No-Fault Law. Insurance policies issued in Florida should meet the requirements of these laws.

To meet the minimum requirements of the Florida Financial Responsibility Law, your auto insurance must have the following:

  • $10,000 for one person in bodily injury liability.
  • $20,000 for two or more people in bodily injury liability.
  • $10,000 per accident in property damage liability.
  • $30,000 in combined single limits.

To meet the minimum requirements of the Florida No-Fault Law, your auto insurance must have the following:

  • $10,000 per person/accident in personal injury protection.
  • $10,000 per accident in property damage liability.

Sample of Annual Florida Auto Insurance Rates

City Single Married
Low High Low High
Jacksonville $570.00 $3,246.00 $519.00 $3,042.00

City Single Married
Low High Low High
Tampa $729.00 $5,000.00 $663.00 $5,000.00

City Single Married
Low High Low High
Saint Petersburg $704.00 $3,459.00 $639.00 $3,571.00

City Single Married
Low High Low High
Cape Coral $566.00 $2,875.00 $516.00 $2,938.00

City Single Married
Low High Low High
Orlando $629.00 $3,538.00 $572.00 $3,795.00

City Single Married
Low High Low High
Tallahassee $606.00 $2,534.00 $552.00 $2,360.00

City Single Married
Low High Low High
Palm Coast $544.00 $2,789.00 $497.00 $2,383.00

City Single Married
Low High Low High
Port Saint Lucie $614.00 $2,910.00 $559.00 $3,062.00

City Single Married
Low High Low High
Daytona Beach $569.00 $2,620.00 $519.00 $2,396.00

City Single Married
Low High Low High
Gainesville $511.00 $2,333.00 $466.00 $2,458.00

City Single Married
Low High Low High
Alachua $511.00 $2,215.00 $466.00 $2,308.00
Alford $640.00 $2,289.00 $587.00 $2,360.00
Altamonte Springs $600.00 $2,759.00 $546.00 $2,858.00
Altha $640.00 $2,520.00 $587.00 $2,360.00
Altoona $552.00 $2,820.00 $504.00 $2,383.00
Alva $566.00 $2,790.00 $516.00 $2,715.00
Anthony $577.00 $2,693.00 $527.00 $2,293.00
Apalachicola $569.00 $2,448.00 $521.00 $2,360.00
Apollo Beach $729.00 $3,272.00 $663.00 $3,098.00
Apopka $629.00 $2,916.00 $572.00 $2,807.00
Arcadia $612.00 $2,870.00 $558.00 $2,624.00
Archer $511.00 $2,333.00 $466.00 $2,458.00
Astatula $552.00 $2,820.00 $504.00 $2,445.00
Astor $552.00 $2,820.00 $504.00 $2,383.00
Atlantic Beach $570.00 $2,734.00 $519.00 $2,565.00
Auburndale $658.00 $2,971.00 $599.00 $2,843.00
Avon Park $612.00 $2,870.00 $558.00 $2,686.00
Babson Park $653.00 $2,957.00 $594.00 $2,840.00
Baker $584.00 $2,666.00 $534.00 $2,816.00
Bartow $653.00 $2,944.00 $594.00 $2,843.00
Bascom $640.00 $2,289.00 $587.00 $2,360.00
Bell $569.00 $2,451.00 $521.00 $2,452.00
Belle Glade $729.00 $3,557.00 $662.00 $3,372.00
Belleair Beach $713.00 $3,287.00 $647.00 $3,505.00
Belleview $536.00 $2,699.00 $489.00 $2,537.00
Beverly Hills $537.00 $2,974.00 $492.00 $2,517.00
Big Pine Key $593.00 $2,924.00 $542.00 $3,092.00
Blountstown $640.00 $2,557.00 $587.00 $2,360.00
Boca Grande $527.00 $2,856.00 $481.00 $2,531.00
Boca Raton $750.00 $4,096.00 $679.00 $3,953.00
Bokeelia $566.00 $2,849.00 $516.00 $2,664.00
Bonifay $640.00 $2,279.00 $587.00 $2,352.00
Bonita Springs $566.00 $2,711.00 $516.00 $2,653.00
Bowling Green $612.00 $2,870.00 $558.00 $2,687.00
Boynton Beach $778.00 $4,358.00 $705.00 $4,164.00
Bradenton $644.00 $3,179.00 $586.00 $3,190.00
Bradenton Beach $644.00 $3,179.00 $586.00 $2,713.00
Brandon $743.00 $3,801.00 $674.00 $4,022.00
Branford $569.00 $2,451.00 $521.00 $2,452.00
Bristol $569.00 $2,501.00 $521.00 $2,360.00
Bronson $569.00 $2,410.00 $521.00 $2,458.00
Brooker $631.00 $2,785.00 $575.00 $2,725.00
Brooksville $678.00 $3,262.00 $618.00 $3,050.00
Bryceville $585.00 $2,870.00 $535.00 $2,725.00
Bunnell $544.00 $2,789.00 $497.00 $2,383.00
Bushnell $552.00 $2,820.00 $504.00 $2,382.00
Callahan $585.00 $2,870.00 $535.00 $2,834.00
Campbellton $640.00 $2,289.00 $587.00 $2,360.00
Canal Point $729.00 $3,557.00 $662.00 $3,390.00
Cantonment $678.00 $2,662.00 $618.00 $2,813.00
Cape Canaveral $538.00 $2,712.00 $491.00 $2,396.00
Cape Coral $566.00 $2,875.00 $516.00 $2,938.00
Captiva $566.00 $2,856.00 $516.00 $2,585.00
Carrabelle $569.00 $2,462.00 $521.00 $2,360.00
Caryville $640.00 $2,279.00 $587.00 $2,352.00
Casselberry $600.00 $3,290.00 $546.00 $3,544.00
Cedar Key $569.00 $2,476.00 $521.00 $2,438.00
Center Hill $552.00 $2,820.00 $504.00 $2,382.00
Century $584.00 $2,662.00 $534.00 $2,813.00
Chattahoochee $569.00 $2,523.00 $521.00 $2,360.00
Chiefland $569.00 $2,476.00 $521.00 $2,438.00
Chipley $640.00 $2,289.00 $587.00 $2,360.00
Christmas $629.00 $3,166.00 $572.00 $2,797.00
Citra $577.00 $2,693.00 $527.00 $2,293.00
Clarksville $640.00 $2,472.00 $587.00 $2,360.00
Clearwater Beach $713.00 $3,360.00 $647.00 $3,577.00
Clermont $552.00 $2,835.00 $504.00 $2,962.00
Clewiston $612.00 $2,808.00 $558.00 $2,849.00
Cocoa $530.00 $2,712.00 $483.00 $2,770.00
Cocoa Beach $538.00 $2,712.00 $491.00 $2,396.00
Cortez $644.00 $3,179.00 $586.00 $2,713.00
Cottondale $640.00 $2,289.00 $587.00 $2,360.00
Crawfordville $569.00 $2,462.00 $521.00 $2,360.00
Crescent City $577.00 $2,716.00 $527.00 $2,372.00
Crestview $584.00 $2,344.00 $534.00 $2,379.00
Cross City $569.00 $2,491.00 $521.00 $2,452.00
Crystal River $537.00 $2,974.00 $492.00 $2,517.00
Dade City $699.00 $3,262.00 $635.00 $3,128.00
Dania $940.00 $4,410.00 $854.00 $4,824.00
Davenport $653.00 $3,103.00 $594.00 $2,946.00
Daytona Beach $569.00 $2,620.00 $519.00 $2,396.00
De Leon Springs $569.00 $2,804.00 $519.00 $2,408.00
Debary $632.00 $2,680.00 $575.00 $2,396.00
Deerfield Beach $808.00 $3,762.00 $734.00 $3,851.00
Defuniak Springs $605.00 $2,307.00 $555.00 $2,379.00
Deland $569.00 $2,835.00 $519.00 $2,408.00
Delray Beach $784.00 $4,308.00 $709.00 $4,164.00
Deltona $632.00 $2,819.00 $575.00 $2,770.00
Destin $493.00 $2,290.00 $452.00 $2,360.00
Dover $729.00 $3,272.00 $663.00 $3,256.00
Dundee $653.00 $2,944.00 $594.00 $2,943.00
Dunedin $713.00 $3,360.00 $647.00 $3,577.00
Dunnellon $537.00 $2,959.00 $492.00 $2,537.00
Eagle Lake $658.00 $2,971.00 $599.00 $2,843.00
Earleton $511.00 $2,258.00 $466.00 $2,349.00
East Palatka $577.00 $2,716.00 $527.00 $2,383.00
Eastpoint $569.00 $2,462.00 $521.00 $2,360.00
Ebro $640.00 $2,289.00 $587.00 $2,360.00
Edgewater $569.00 $2,579.00 $519.00 $2,396.00
Eglin Afb $493.00 $2,307.00 $452.00 $2,379.00
Elkton $568.00 $2,571.00 $518.00 $2,423.00
Ellenton $644.00 $3,118.00 $586.00 $2,621.00
Englewood $527.00 $2,742.00 $481.00 $2,550.00
Estero $566.00 $2,872.00 $516.00 $2,653.00
Eustis $552.00 $2,820.00 $504.00 $2,408.00
Fellsmere $588.00 $2,827.00 $535.00 $2,743.00
Fernandina Beach $585.00 $2,812.00 $535.00 $2,834.00
Flagler Beach $544.00 $2,789.00 $497.00 $2,383.00
Fleming Island $631.00 $2,845.00 $575.00 $2,805.00
Florahome $577.00 $2,716.00 $527.00 $2,308.00
Floral City $537.00 $2,974.00 $492.00 $2,421.00
Fort Lauderdale $747.00 $4,480.00 $678.00 $4,891.00
Fort Mc Coy $577.00 $2,693.00 $527.00 $2,293.00
Fort Meade $653.00 $2,957.00 $594.00 $2,688.00
Fort Myers $566.00 $2,882.00 $516.00 $2,938.00
Fort Myers Beach $566.00 $2,872.00 $516.00 $2,585.00
Fort Pierce $614.00 $3,147.00 $559.00 $3,026.00
Fort Walton Beach $493.00 $2,307.00 $452.00 $2,379.00
Fort White $569.00 $2,657.00 $521.00 $2,452.00
Fountain $521.00 $2,466.00 $476.00 $2,360.00
Freeport $605.00 $2,307.00 $555.00 $2,379.00
Frostproof $653.00 $2,957.00 $594.00 $2,686.00
Fruitland Park $552.00 $2,820.00 $504.00 $2,304.00
Gainesville $511.00 $2,333.00 $466.00 $2,458.00
Geneva $625.00 $2,680.00 $569.00 $2,807.00
Georgetown $577.00 $2,716.00 $527.00 $2,372.00
Gibsonton $729.00 $3,542.00 $663.00 $3,408.00
Glen Saint Mary $631.00 $2,785.00 $575.00 $2,680.00
Gotha $629.00 $2,916.00 $572.00 $2,769.00
Graceville $640.00 $2,289.00 $587.00 $2,360.00
Grand Island $552.00 $2,820.00 $504.00 $2,383.00
Grand Ridge $640.00 $2,289.00 $587.00 $2,360.00
Grant $602.00 $2,949.00 $549.00 $2,681.00
Green Cove Springs $631.00 $2,716.00 $575.00 $2,805.00
Greenville $569.00 $2,498.00 $521.00 $2,202.00
Greenwood $640.00 $2,289.00 $587.00 $2,360.00
Gretna $569.00 $2,523.00 $521.00 $2,360.00
Groveland $552.00 $2,820.00 $504.00 $2,804.00
Gulf Breeze $570.00 $2,587.00 $520.00 $2,379.00
Gulf Hammock $569.00 $2,410.00 $521.00 $2,438.00
Haines City $653.00 $2,944.00 $594.00 $2,946.00
Hallandale $940.00 $4,516.00 $854.00 $4,926.00
Hampton $631.00 $2,785.00 $575.00 $2,394.00
Hastings $568.00 $2,690.00 $518.00 $2,423.00
Havana $569.00 $2,457.00 $521.00 $2,360.00
Hawthorne $511.00 $2,702.00 $466.00 $2,293.00
Hernando $537.00 $2,974.00 $492.00 $2,537.00
Hialeah $924.00 $5,000.00 $842.00 $5,000.00
High Springs $511.00 $2,330.00 $466.00 $2,452.00
Hilliard $585.00 $2,870.00 $535.00 $2,755.00
Hobe Sound $572.00 $3,147.00 $521.00 $3,062.00
Holiday $742.00 $3,809.00 $673.00 $3,513.00
Hollywood $747.00 $4,517.00 $678.00 $4,927.00
Holt $584.00 $2,666.00 $534.00 $2,816.00
Homestead $911.00 $5,000.00 $829.00 $5,000.00
Homosassa $537.00 $2,974.00 $492.00 $2,421.00
Horseshoe Beach $569.00 $2,491.00 $521.00 $2,202.00
Hosford $569.00 $2,501.00 $521.00 $2,360.00
Howey In The Hills $552.00 $2,820.00 $504.00 $2,442.00
Hudson $742.00 $3,809.00 $673.00 $3,335.00
Hurlburt Field $493.00 $2,307.00 $452.00 $2,379.00
Immokalee $510.00 $2,780.00 $466.00 $2,849.00
Indialantic $538.00 $2,712.00 $491.00 $2,396.00
Indian Lake Estates $653.00 $2,944.00 $594.00 $2,843.00
Indian Rocks Beach $713.00 $3,287.00 $647.00 $3,505.00
Indiantown $572.00 $3,147.00 $521.00 $3,062.00
Inglis $569.00 $2,410.00 $521.00 $2,438.00
Interlachen $577.00 $2,716.00 $527.00 $2,372.00
Inverness $537.00 $2,974.00 $492.00 $2,537.00
Islamorada $593.00 $2,924.00 $542.00 $3,092.00
Jacksonville $570.00 $3,246.00 $519.00 $3,042.00
Jacksonville Beach $570.00 $2,734.00 $519.00 $2,565.00
Jasper $569.00 $2,498.00 $521.00 $2,493.00
Jay $584.00 $2,662.00 $534.00 $2,813.00
Jennings $569.00 $2,498.00 $521.00 $2,202.00
Jensen Beach $572.00 $3,147.00 $521.00 $3,026.00
Jupiter $684.00 $3,177.00 $621.00 $3,274.00
Kathleen $658.00 $2,961.00 $599.00 $2,826.00
Kenansville $682.00 $3,166.00 $620.00 $2,797.00
Key Biscayne $924.00 $5,000.00 $842.00 $4,935.00
Key Largo $593.00 $2,924.00 $542.00 $3,092.00
Key West $593.00 $2,924.00 $542.00 $3,092.00
Keystone Heights $631.00 $2,716.00 $575.00 $2,394.00
Kissimmee $653.00 $3,240.00 $594.00 $3,446.00
Labelle $612.00 $2,780.00 $558.00 $2,670.00
Lady Lake $552.00 $2,820.00 $504.00 $2,304.00
Lake Alfred $658.00 $2,944.00 $599.00 $2,946.00
Lake Butler $631.00 $2,785.00 $575.00 $2,349.00
Lake City $569.00 $2,657.00 $521.00 $2,513.00
Lake Helen $569.00 $2,819.00 $519.00 $2,408.00
Lake Mary $625.00 $2,680.00 $569.00 $2,807.00
Lake Panasoffkee $552.00 $2,820.00 $504.00 $2,372.00
Lake Placid $612.00 $2,870.00 $558.00 $2,686.00
Lake Wales $653.00 $2,944.00 $594.00 $2,843.00
Lake Worth $778.00 $4,358.00 $705.00 $4,220.00
Lakeland $658.00 $2,961.00 $599.00 $2,848.00
Lamont $569.00 $2,479.00 $521.00 $2,360.00
Land O Lakes $742.00 $3,309.00 $673.00 $3,527.00
Largo $713.00 $3,360.00 $647.00 $3,577.00
Laurel Hill $584.00 $2,344.00 $534.00 $2,379.00
Lawtey $631.00 $2,785.00 $575.00 $2,725.00
Lecanto $537.00 $2,974.00 $492.00 $2,537.00
Lee $569.00 $2,498.00 $521.00 $2,202.00
Leesburg $552.00 $2,820.00 $504.00 $2,383.00
Lehigh Acres $566.00 $2,866.00 $516.00 $2,938.00
Lithia $729.00 $3,272.00 $663.00 $3,098.00
Live Oak $569.00 $2,498.00 $521.00 $2,452.00
Longboat Key $645.00 $2,637.00 $587.00 $2,713.00
Longwood $600.00 $2,775.00 $546.00 $2,807.00
Lorida $612.00 $2,870.00 $558.00 $2,686.00
Loxahatchee $729.00 $3,557.00 $662.00 $3,390.00
Lulu $569.00 $2,793.00 $521.00 $2,349.00
Lutz $713.00 $4,096.00 $647.00 $4,478.00
Lynn Haven $521.00 $2,397.00 $476.00 $2,360.00
Macclenny $631.00 $2,785.00 $575.00 $2,725.00
Madison $569.00 $2,498.00 $521.00 $2,202.00
Maitland $634.00 $3,290.00 $576.00 $3,544.00
Malabar $602.00 $2,949.00 $549.00 $2,681.00
Malone $640.00 $2,289.00 $587.00 $2,360.00
Marathon $593.00 $2,924.00 $542.00 $3,092.00
Marco Island $510.00 $2,656.00 $466.00 $2,653.00
Marianna $640.00 $2,289.00 $587.00 $2,360.00
Mary Esther $493.00 $2,307.00 $452.00 $2,379.00
Mascotte $552.00 $2,820.00 $504.00 $2,804.00
Mayo $569.00 $2,451.00 $521.00 $2,452.00
Mc Alpin $569.00 $2,472.00 $521.00 $2,452.00
Mc David $584.00 $2,662.00 $534.00 $2,813.00
Melbourne $530.00 $2,949.00 $483.00 $2,681.00
Melbourne Beach $538.00 $2,712.00 $491.00 $2,396.00
Melrose $511.00 $2,716.00 $466.00 $2,293.00
Merritt Island $530.00 $2,712.00 $483.00 $2,396.00
Miami $911.00 $5,000.00 $829.00 $5,000.00
Miami Beach $924.00 $5,000.00 $842.00 $5,000.00
Miami Gardens $999.00 $5,000.00 $908.00 $4,954.00
Micanopy $511.00 $2,333.00 $466.00 $2,458.00
Middleburg $631.00 $3,026.00 $575.00 $2,805.00
Midway $569.00 $2,457.00 $521.00 $2,360.00
Milton $584.00 $2,662.00 $534.00 $2,813.00
Mims $530.00 $2,712.00 $483.00 $2,408.00
Miramar Beach $493.00 $2,290.00 $452.00 $2,360.00
Molino $584.00 $2,662.00 $534.00 $2,813.00
Monticello $569.00 $2,479.00 $521.00 $2,360.00
Montverde $552.00 $2,835.00 $504.00 $2,804.00
Moore Haven $612.00 $2,808.00 $558.00 $2,671.00
Morriston $569.00 $2,410.00 $521.00 $2,458.00
Mount Dora $552.00 $2,820.00 $504.00 $2,804.00
Mulberry $653.00 $2,944.00 $594.00 $2,848.00
Myakka City $646.00 $3,118.00 $588.00 $2,706.00
Naples $510.00 $2,872.00 $466.00 $2,653.00
Navarre $570.00 $2,587.00 $520.00 $2,379.00
Neptune Beach $570.00 $2,734.00 $519.00 $2,565.00
New Port Richey $742.00 $3,809.00 $673.00 $3,577.00
New Smyrna Beach $569.00 $2,579.00 $519.00 $2,396.00
Newberry $511.00 $2,333.00 $466.00 $2,458.00
Niceville $493.00 $2,307.00 $452.00 $2,379.00
Nokomis $547.00 $2,624.00 $498.00 $2,621.00
North Fort Myers $566.00 $2,875.00 $516.00 $2,938.00
North Miami Beach $999.00 $4,247.00 $908.00 $4,604.00
North Palm Beach $729.00 $3,196.00 $662.00 $3,274.00
North Port $547.00 $2,742.00 $498.00 $2,624.00
O Brien $569.00 $2,451.00 $521.00 $2,452.00
Oak Hill $632.00 $2,594.00 $575.00 $2,396.00
Ocala $536.00 $2,702.00 $489.00 $2,537.00
Ochopee $510.00 $2,711.00 $466.00 $2,849.00
Ocklawaha $577.00 $2,693.00 $527.00 $2,293.00
Ocoee $629.00 $2,916.00 $572.00 $2,776.00
Odessa $742.00 $3,309.00 $673.00 $3,322.00
Okahumpka $552.00 $2,820.00 $504.00 $2,304.00
Okeechobee $682.00 $3,261.00 $620.00 $2,777.00
Old Town $569.00 $2,491.00 $521.00 $2,452.00
Oldsmar $713.00 $3,360.00 $647.00 $3,577.00
Ona $612.00 $2,870.00 $558.00 $2,751.00
Opa Locka $999.00 $5,000.00 $908.00 $5,000.00
Orange City $632.00 $2,819.00 $575.00 $2,396.00
Orange Park $631.00 $3,053.00 $575.00 $2,805.00
Orlando $629.00 $3,538.00 $572.00 $3,795.00
Ormond Beach $569.00 $2,620.00 $519.00 $2,382.00
Osprey $631.00 $2,624.00 $573.00 $2,621.00
Osteen $632.00 $2,594.00 $575.00 $2,408.00
Oviedo $625.00 $2,680.00 $569.00 $2,807.00
Oxford $552.00 $2,820.00 $504.00 $2,304.00
Pahokee $729.00 $3,557.00 $662.00 $3,372.00
Paisley $552.00 $2,820.00 $504.00 $2,382.00
Palatka $577.00 $2,716.00 $527.00 $2,790.00
Palm Bay $602.00 $2,949.00 $549.00 $2,763.00
Palm Beach $790.00 $4,358.00 $717.00 $4,164.00
Palm Beach Gardens $729.00 $3,196.00 $662.00 $3,274.00
Palm City $572.00 $3,147.00 $521.00 $3,062.00
Palm Coast $544.00 $2,789.00 $497.00 $2,383.00
Palm Harbor $713.00 $3,360.00 $647.00 $3,577.00
Palmetto $644.00 $3,118.00 $586.00 $3,190.00
Panacea $569.00 $2,462.00 $521.00 $2,360.00
Panama City $521.00 $2,427.00 $476.00 $2,360.00
Panama City Beach $521.00 $2,397.00 $476.00 $2,360.00
Parrish $646.00 $3,118.00 $588.00 $2,776.00
Patrick Air Force Base $538.00 $2,712.00 $491.00 $2,396.00
Pembroke Pines $747.00 $3,648.00 $678.00 $3,405.00
Pensacola $593.00 $2,662.00 $541.00 $2,813.00
Perry $569.00 $2,498.00 $521.00 $2,202.00
Pierson $569.00 $2,579.00 $519.00 $2,383.00
Pinellas Park $713.00 $3,360.00 $647.00 $3,577.00
Pinetta $569.00 $2,498.00 $521.00 $2,202.00
Placida $527.00 $2,764.00 $481.00 $2,531.00
Plant City $729.00 $3,272.00 $663.00 $3,256.00
Polk City $653.00 $2,934.00 $594.00 $2,843.00
Pomona Park $577.00 $2,716.00 $527.00 $2,372.00
Pompano Beach $800.00 $4,247.00 $725.00 $4,311.00
Ponce De Leon $640.00 $2,279.00 $587.00 $2,352.00
Ponte Vedra Beach $570.00 $2,590.00 $519.00 $2,502.00
Port Charlotte $527.00 $2,764.00 $481.00 $2,531.00
Port Orange $569.00 $2,579.00 $519.00 $2,396.00
Port Richey $742.00 $3,809.00 $673.00 $3,513.00
Port Saint Joe $640.00 $2,448.00 $587.00 $2,360.00
Port Saint Lucie $614.00 $2,910.00 $559.00 $3,062.00
Punta Gorda $527.00 $2,764.00 $481.00 $2,625.00
Quincy $569.00 $2,523.00 $521.00 $2,360.00
Raiford $631.00 $2,785.00 $575.00 $2,725.00
Reddick $577.00 $2,693.00 $527.00 $2,458.00
River Ranch $658.00 $2,944.00 $599.00 $2,840.00
Riverview $729.00 $4,246.00 $663.00 $4,623.00
Rockledge $530.00 $2,712.00 $483.00 $2,763.00
Rotonda West $527.00 $2,764.00 $481.00 $2,531.00
Ruskin $729.00 $3,272.00 $663.00 $3,098.00
Safety Harbor $713.00 $3,360.00 $647.00 $3,577.00
Saint Augustine $568.00 $2,571.00 $518.00 $2,458.00
Saint Cloud $530.00 $3,173.00 $483.00 $3,264.00
Saint James City $566.00 $2,849.00 $516.00 $2,664.00
Saint Johns $570.00 $2,590.00 $519.00 $2,458.00
Saint Petersburg $704.00 $3,459.00 $639.00 $3,571.00
Salem $569.00 $2,491.00 $521.00 $2,452.00
San Antonio $699.00 $3,262.00 $635.00 $3,128.00
San Mateo $577.00 $2,716.00 $527.00 $2,383.00
Sanderson $631.00 $2,785.00 $575.00 $2,349.00
Sanford $625.00 $2,680.00 $569.00 $2,807.00
Sanibel $566.00 $2,856.00 $516.00 $2,585.00
Santa Rosa Beach $605.00 $2,289.00 $555.00 $2,360.00
Sarasota $631.00 $3,105.00 $573.00 $2,752.00
Satellite Beach $538.00 $2,712.00 $491.00 $2,396.00
Satsuma $577.00 $2,716.00 $527.00 $2,372.00
Sebastian $588.00 $2,949.00 $535.00 $2,763.00
Sebring $612.00 $2,870.00 $558.00 $2,686.00
Seffner $729.00 $3,542.00 $663.00 $3,595.00
Seminole $713.00 $3,355.00 $647.00 $3,571.00
Seville $569.00 $2,579.00 $519.00 $2,372.00
Shalimar $493.00 $2,307.00 $452.00 $2,379.00
Silver Springs $536.00 $2,699.00 $489.00 $2,293.00
Sneads $640.00 $2,289.00 $587.00 $2,360.00
Sopchoppy $569.00 $2,462.00 $521.00 $2,360.00
Sorrento $552.00 $2,820.00 $504.00 $2,408.00
South Bay $729.00 $3,557.00 $662.00 $3,372.00
Spring Hill $678.00 $3,262.00 $618.00 $3,398.00
Starke $631.00 $2,785.00 $575.00 $2,725.00
Steinhatchee $569.00 $2,491.00 $521.00 $2,202.00
Stuart $572.00 $3,147.00 $521.00 $3,062.00
Summerfield $536.00 $2,699.00 $489.00 $2,537.00
Summerland Key $593.00 $2,924.00 $542.00 $3,092.00
Sumterville $552.00 $2,820.00 $504.00 $2,430.00
Sun City Center $729.00 $3,272.00 $663.00 $3,098.00
Suwannee $569.00 $2,491.00 $521.00 $2,452.00
Tallahassee $606.00 $2,534.00 $552.00 $2,360.00
Tampa $729.00 $5,000.00 $663.00 $5,000.00
Tarpon Springs $713.00 $3,328.00 $647.00 $3,349.00
Tavares $552.00 $2,820.00 $504.00 $2,408.00
Tavernier $593.00 $2,924.00 $542.00 $3,092.00
The Villages $552.00 $2,820.00 $504.00 $2,304.00
Thonotosassa $729.00 $3,380.00 $663.00 $3,595.00
Titusville $530.00 $2,712.00 $483.00 $2,408.00
Trenton $569.00 $2,451.00 $521.00 $2,438.00
Umatilla $552.00 $2,820.00 $504.00 $2,383.00
Valparaiso $493.00 $2,307.00 $452.00 $2,379.00
Valrico $743.00 $3,557.00 $674.00 $3,209.00
Venice $547.00 $2,624.00 $498.00 $2,550.00
Venus $612.00 $2,826.00 $558.00 $2,687.00
Vernon $640.00 $2,279.00 $587.00 $2,352.00
Vero Beach $588.00 $2,846.00 $535.00 $3,026.00
Waldo $511.00 $2,198.00 $466.00 $2,293.00
Wauchula $612.00 $2,870.00 $558.00 $2,688.00
Webster $552.00 $2,820.00 $504.00 $2,804.00
Weirsdale $577.00 $2,693.00 $527.00 $2,383.00
Welaka $577.00 $2,716.00 $527.00 $2,372.00
Wellborn $569.00 $2,472.00 $521.00 $2,493.00
Wellington $790.00 $4,070.00 $717.00 $3,508.00
Wesley Chapel $699.00 $3,312.00 $635.00 $3,526.00
West Palm Beach $729.00 $4,370.00 $662.00 $4,220.00
Westville $640.00 $2,279.00 $587.00 $2,352.00
Wewahitchka $640.00 $2,509.00 $587.00 $2,360.00
White Springs $569.00 $2,472.00 $521.00 $2,493.00
Wildwood $552.00 $2,820.00 $504.00 $2,304.00
Williston $569.00 $2,410.00 $521.00 $2,458.00
Wimauma $729.00 $3,272.00 $663.00 $3,237.00
Windermere $629.00 $2,916.00 $572.00 $2,832.00
Winter Garden $629.00 $2,916.00 $572.00 $2,909.00
Winter Haven $658.00 $2,971.00 $599.00 $2,946.00
Winter Park $634.00 $2,990.00 $576.00 $3,054.00
Winter Springs $600.00 $2,759.00 $546.00 $2,748.00
Yalaha $552.00 $2,820.00 $504.00 $2,304.00
Yankeetown $569.00 $2,410.00 $521.00 $2,438.00
Youngstown $521.00 $2,466.00 $476.00 $2,360.00
Yulee $585.00 $2,837.00 $535.00 $2,834.00
Zellwood $629.00 $2,916.00 $572.00 $2,755.00
Zephyrhills $699.00 $3,262.00 $635.00 $3,216.00
Zolfo Springs $612.00 $2,870.00 $558.00 $2,686.00

Finding Auto Insurance Resources in Florida

The Florida DMV is a good resource to start with when learning about the requirements and regulations surrounding automobile coverage. The state DMV offers assistance to drivers who need help with traffic schools (either online or in a physical location), defensive driving courses, vehicle history reports, and general information about driving in Florida.

Things to Know About Auto Insurance in Florida

As a driver in Florida, one of the biggest things you need to know about having auto insurance is that if you let your policy lapse and do not obtain an alternate source of insurance, your driver's license can be suspended until you provide adequate proof of insurance. Insurance companies report all lapses in coverage and canceled policies to the state. If local law enforcement finds you driving without proof of insurance, you will be ticketed.

There are many discounts available to Florida auto insurance policyholders. Being a good driver, having passive restraints, having vehicle alarms, parking a vehicle in a garage, and having air bags in the vehicle are all examples of discounts insurance companies may offer.

Important Information if You're Moving to Florida

The state of Florida requires all new residents to obtain a driver's license within 30 days of moving to Florida. It's a good idea to make an appointment with the local DMV office, as long lines are possible.

To obtain a license as an out-of-state driver, you must do the following:

  • Surrender your out-of-state license.
  • Show additional proof of identity. Acceptable documents include a Social Security card, passport, or government-issued ID.
  • Take a vision exam.

In addition, your driving record will be checked. Should a questionable driving history be found, you might be required to take a written exam.

You are also required to register any vehicle in Florida within 10 days of establishing residency or registering a child in the Florida school system. To register a vehicle, you must have proof of insurance with the minimum Florida requirements, proof of ownership, and verification of the Vehicle Identification Number, or VIN.

One important thing to note: You must obtain your driver's license before you may register a vehicle.

Understanding the Driving Laws in Florida

The driving laws in Florida are similar to other driving laws across the country. Using your turn signal, coming to a complete stop at a stop sign, and yielding to pedestrians and emergency vehicles are some of the driving laws Floridians violate quite often. To familiarize yourself with Florida's driving laws, you can read the Florida driver's manual.

One important law passed in Florida in June 2013 prohibits texting while driving. This law becomes effective in October 2013. If you are caught by local law enforcement texting while driving, you will be ticketed.

How to Get Great Rates on Florida Auto Insurance

Finding an auto insurance quote can seem overwhelming – but insuranceQuotes.com helps you find the best car insurance policy at the best price. Every year, we match 15 million consumers to the nation’s biggest auto insurance companies, including State Farm, Allstate and Liberty Mutual.

insuranceQuotes.com connects you with local and national insurance companies that give you free car insurance estimates by phone or email within minutes. By comparing multiple quotes, you can be sure that you’re getting the best price for car insurance.

insuranceQuotes.com Auto Rate Methodology

Rates are based on one vehicle and one driver who has state minimum coverage with $500 deductibles. The hypothetical driver is 40 years old, female, employed, a college graduate, and has good credit. She has no traffic violations, claims, or lapse in coverage. The vehicle is assumed to be a sedan that is garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Rates include commonly available carrier discounts and are estimates and not guaranteed.

Average cost of car insurance by state

Find out how a county’s insurance rate stacks up against the state average, as well as how it fares against other counties in the state.

Use our interactive map to find out:

  • How your state compares to the national average
  • How your county compares to the state average
  • How your ZIP compares to the county

Use the "Select state" or "Select county" dropdown menu to choose your state, then your county.

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