How Much Does Car Insurance Cost in Coral Springs, FL?
Coral Springs car insurance averages about $405 a month for full coverage for our benchmark driver (based on the two Coral Springs ZIP codes we sample) — among the highest rates in Florida — but rates vary sharply by carrier: statewide, Travelers averages about $207 a month for full coverage in our rate data, versus $453 at Progressive. Florida’s no-fault PIP requirement, hurricane exposure, and one of the nation’s highest uninsured-motorist rates (around 20% of drivers) all push Florida car insurance premiums, including Coral Springs, well above the national average. Comparing quotes from multiple carriers using your exact ZIP code is the most reliable way to find your lowest rate.
Rates last verified and updated: July 2026.
When it comes to comparing car insurance quotes in Coral Springs, InsuranceQuotes offers a convenient solution. By using IQ, individuals can easily find the cheapest auto insurance policy rates from both local and national insurance providers. This saves them valuable time and money, as you no longer need to browse through numerous websites or contact multiple insurers. With a professional and informative tone, InsuranceQuotes empowers drivers in Coral Springs to make informed decisions by presenting them with all necessary information in an easy-to-digest format.
How much should you expect to pay on average for car insurance in Coral Springs?
Average Coral Springs Car Insurance Rates:
- State Minimum Liability: You can expect to pay $158 a month or $1,901 a year.
- Full Coverage: You can expect to pay $405 a month or $4,861 a year.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in Coral Springs – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Cost data comes from the auto rates insurers file with state regulators, priced across the 2 Coral Springs ZIP codes we price, compiled by Quadrant Information Services and updated as new rates are filed.
Cheapest Car Insurance Providers in Florida (Statewide)
- Statewide, Travelers has the lowest average full-coverage rate and GEICO has the lowest state-minimum rate in our Florida rate data.
- The cheapest state minimum liability car insurance averages about $82 a month ($981 a year) with GEICO.
- The cheapest full coverage car insurance for our benchmark driver averages about $207 a month ($2,478 a year) with Travelers.
The table below shows statewide Florida averages by insurer for our benchmark driver (a single 40-year-old with good credit and a clean record), based on the rates insurers had filed with state regulators as of Aug. 31, 2026. It covers the 4 insurers in our Florida data. Your price in Coral Springs depends on your ZIP code, so compare quotes.
| Insurance Provider: | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| Travelers | $1,086 | $91 | $2,478 | $207 |
| GEICO | $981 | $82 | $3,001 | $250 |
| Allstate | $1,634 | $136 | $4,867 | $406 |
| Progressive | $2,300 | $192 | $5,433 | $453 |
| State Farm (Nov. 2025 rates)* | $1,189 | $99 | $2,656 | $221 |
Your ZIP code matters
How Coral Springs Car Insurance Compares With Nearby Florida Cities
Coral Springs averages about $405 a month for full coverage. If you’re comparing neighborhoods or thinking about a move, these nearby city guides use the same driver, coverage and rates as of Aug. 31, 2026.
Every Florida city we price is in the Florida city rates table, and you can compare states on our car insurance rates by state page.
How Much Car Insurance is Required in Florida?
In Florida, here is the amount of auto insurance coverage that is required by the state to operate a vehicle legally:
- Personal Injury Protection (PIP):
- $10,000 in PIP coverage is required.
- Property Damage Liability (PDL):
- $10,000 in PDL coverage is required.
Florida is a “no-fault” state, which means that drivers are required to carry PIP coverage to help pay for their own medical expenses and those of their passengers regardless of who is at fault in an accident.
The minimum coverage required in Florida (i.e., PIP and PDL) might not be sufficient to cover all expenses in the event of a severe accident. Additional coverage beyond the state’s minimum requirements may be advisable for better financial protection.
When purchasing car insurance in Florida, consider factors such as the value of your assets, your driving habits, potential risks, and your budget.
How to Save Money on Auto Insurance Policies
You can save money on your auto insurance by:
- Getting quotes from different companies and comparing prices.
- Taking a Defensive Driving Course to lower your rates.
- Asking about discounts for security features, such as anti-lock brakes, air bags, and passive restraint systems.
- Seeking companies that offer bundle discounts for home and auto insurance.
If you are older than 18 and you haven’t bought auto insurance before, you may have to pay higher rates. However, you can save money by asking about discounts that may be available to you. For inexperienced and younger drivers, these include discounts for good grades and driving safely.
Want to save even more? Bundling your car with Florida home insurance rates usually earns a multi-policy discount, so price both together.
Ready to compare
How We Calculated Coral Springs Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: 16 modeled quotes (8 full coverage and 8 state minimum) from 4 insurers across the 2 Coral Springs ZIP codes.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles. State minimum is the $10,000 personal injury protection (PIP) and $10,000 property damage liability Florida requires.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: an insurer is ranked only where it has a price in at least half of the ZIP codes we sample. Prices within 3% of each other are called effectively tied, and when the lowest price is more than 30% below the next one we hold back the “cheapest” label until the figure is reviewed.
- What we leave out: prices that depend on something our driver doesn’t have (a telematics program, an anti-theft device or a membership) and insurers closed to new business in Florida.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving history, credit and discounts.
Coverage requirements come from the Florida Department of Highway Safety and Motor Vehicles. We refresh these figures when new rate data is released.
Coral Springs full coverage averages about $405 per month and state minimum about $158, based on the rates insurers had filed with state regulators as of Aug. 31, 2026; statewide carrier averages on this page range from $207 to $453 for full coverage. Carrier-to-carrier variation for the same full-coverage protection exceeds $240/month here, which is the strongest argument for shopping the whole list instead of one brand. Coral Springs sits in Broward County, one of the most expensive counties in Florida for auto insurance, so the ceiling in this table is not an outlier — it is roughly what drivers who never re-shop end up paying.
Florida enforces its coverage mandate mainly through suspensions, and they arrive quickly because insurers report cancellations to the state electronically. If your Personal Injury Protection and Property Damage Liability policy lapses on a registered vehicle, the Florida Department of Highway Safety and Motor Vehicles can suspend your driver’s license, registration and plates for up to three years or until you show proof of new coverage. Reinstatement then costs $150 for a first offense, $250 for a second and $500 for a third or later offense within three years. The larger bill in Coral Springs is personal liability: an uninsured driver who causes a crash on Sample Road or University Drive owes the other party’s damages out of pocket, and a coverage gap on your record tends to push future quotes toward the top of the $207 to $453 full-coverage range.
Both are priced into every Coral Springs policy. The Insurance Research Council estimates that about 20.4% of Florida motorists carry no insurance at all, roughly one in five and among the highest shares in the country, and Florida requires neither bodily injury nor uninsured motorist coverage, so when an uninsured driver hits you it is usually your own PIP and UM coverage that pays. South Florida’s tri-county area, Broward included, has also long been the state’s center of PIP fraud and staged-accident activity. Traffic geography raises the odds of a claim: weekday commuters funnel off the Sawgrass Expressway at Atlantic Boulevard, Sample Road and Coral Ridge Drive into a handful of east-west arterials, and the Sample Road interchange has been rebuilt as a partial diverging diamond to relieve those backups. Price stacked uninsured motorist coverage alongside the full-coverage quotes above.
Travelers is the cheapest full-coverage option in this statewide comparison at about $207/month, with GEICO next at $250/month, while Allstate and Progressive average $406 and $453/month respectively. For statutory-minimum coverage only, GEICO’s $82/month is the lowest, with Travelers next at $91/month. Because Broward rating territories are drawn tightly, a Coral Springs address can price differently from a neighbouring Parkland or Margate one, so verify your own ZIP code with each carrier instead of assuming this ranking holds.
In a Broward County market this expensive, the $240-plus monthly gap between the carriers above is the discount, so capture it first by quoting all four at the same coverage level. Then raise collision and comprehensive deductibles to $1,000 for a typical 10 to 15% reduction, and bundle with a homeowners or renters policy for 5 to 15% more. Coral Springs drivers should also ask about defensive-driving and good-student credits, and about usage-based programs that reward staying off the Sawgrass at peak hours. Keep the record spotless, because in Broward a single at-fault accident can move you from the bottom of this table toward the top.
