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

Jacksonville Auto Insurance

Jacksonville is in northeast Florida and is the largest city in the state by area. In the early 1900s, the city was home to a number of silent film studios. Today, Jacksonville is a major transportation hub, with a port and large rail and trucking routes running through the city.

Interstate 95 goes north to Savannah and south to Miami. Interstate 10 goes west to Tallahassee. U.S. Highway 301 goes southwest to Gainesville.

City Single Married
Low High Low High
Jacksonville $941.00 $3,333.00 $941.00 $3,534.00

Tampa Auto Insurance

Tampa is along the Gulf Coast of Florida and the third most populous city in the state. The city sold copious amounts of illegal alcohol during Prohibition. Tampa is home to McDill Air Force Base and U.S. Central Command.

Interstate 4 goes northeast to Orlando. Interstate 75 goes north to Gainesville and south to Fort Myers. Interstate 275 goes to St. Petersburg.

City Single Married
Low High Low High
Tampa $1,136.00 $5,000.00 $1,136.00 $5,000.00

St. Petersburg Auto Insurance

St. Petersburg is on the Gulf Coast of Florida across Old Tampa Bay and was named after the city in Russia. The arrival of a rail line in the 20th century brought the first wave of tourists from the frigid northern states. St. Petersburg gets more than 350 sunny days each year.

Interstate 275 goes to Tampa to the northeast. U.S. Highway 19 goes to Clearwater to the northwest. Interstate 275 goes south to the Terra Ceia Aquatic Preserve.

City Single Married
Low High Low High
Saint Petersburg - - - -

Cape Coral Auto Insurance

On the Gulf Coast of Florida, Cape Coral is south of Fort Meyers and was incorporated in 1970. Speculators bought the land in the 1920s and developed it into neighborhoods, golf courses and shopping centers, selling much of it at a profit in the 1950s. There are more than 400 miles of canals in the city.

South Cleveland Avenue connects Cape Coral with Fort Myers. State Highway 78 goes to Suncoast Estates. Burnt Shore Road goes to Charlotte Harbor Preserve State Park to the north.

City Single Married
Low High Low High
Cape Coral $796.00 $2,812.00 $796.00 $2,999.00

Orlando Auto Insurance

Incorporated in 1875, Orlando is perhaps best known as the home of Disney World, which opened in 1971. The theme park provides many jobs, directly and indirectly, to the city's residents, and makes it one of the top tourist destinations in the country. Orlando has more than 100 lakes within the city limits.

State Highway 528 goes east to Port Canaveral. Interstate 4 goes northeast to Daytona Beach and west to Tampa. U.S. Highway 441 goes to Kissimmee Prairie Preserve State Park.

City Single Married
Low High Low High
Orlando $897.00 $3,927.00 $897.00 $4,241.00

Tallahassee Auto Insurance

Founded in 1821, Tallahassee is the capital of Florida and is in the Panhandle. The capitol building is the third largest capitol in the country, after Austin and Washington, D.C. The city recorded Florida's only subzero temperature, -2 degrees, in 1899, and sees measureable snowfall every 17 years on average.

Interstate 10 connects the city with Jacksonville to the east and Mobile, Ala., to the west. U.S. Highway 319 crosses the border into Georgia. State Highway 20 goes to the Apalachicola National Forest to the southwest.

City Single Married
Low High Low High
Tallahassee $864.00 $2,766.00 $864.00 $2,732.00

Palm Coast

Palm Coast is along the Atlantic Ocean on the eastern coast of Florida. It was incorporated in 1999 and is one of the fastest growing cities in the country. Finance, transportation and education are major employers.

U.S. Highway 1 connects Palm Coast to St. Augustine to the north and Daytona Beach to the south. Interstate 95 connects the city with Jacksonville to the north and Fort Lauderdale to the south. State Highway 100 leads to San Mateo to the northwest.

City Single Married
Low High Low High
Palm Coast $868.00 $2,678.00 $868.00 $2,830.00

Port St. Lucie Auto Insurance

Port St. Lucie is on the Atlantic coast of Florida and is about midway between Orlando and Miami. The city is home to Florida Atlantic University. Author Zora Neale Hurston is buried in Port St. Lucie, who worked as a journalist and teacher in the city.

Interstate 95 goes south to Miami and north to Jacksonville. U.S. 1 goes south to West Palm Beach and north to Fort Pierce.

City Single Married
Low High Low High
Port Saint Lucie - - - -

Daytona Beach

Founded in 1870 and incorporated in 1876, Daytona Beach is best known for auto racing. The city is also a major draw for tourists, partly because of its beaches and many local events. A number of professional baseball teams also come to the city each year for spring training.

State Highway 400 runs southwest to Deltona and Lake Monroe. U.S. Highway 1 goes south to New Smyrna Beach. Interstate 95 goes south to Miami and north to Jacksonville.

City Single Married
Low High Low High
Daytona Beach $844.00 $2,728.00 $844.00 $2,880.00

Gainesville

Gainesville is home to the University of Florida and is situated in central Florida. It was part of a Spanish land grant in the early 1800s and was eventually settled by farmers and planters. Today's residents work in education, health care and the service sector.

Interstate 75 goes to Tampa to the south and Lake City to the north. State Highway 24 goes west to Cedar Key. U.S. Highway 301 goes northeast toward Jacksonville.

City Single Married
Low High Low High
Gainesville $712.00 $2,607.00 $712.00 $2,770.00

City Single Married
Low High Low High
Alachua $712.00 $2,589.00 $712.00 $2,738.00
Alford $855.00 $2,810.00 $855.00 $2,732.00
Altamonte Springs $853.00 $3,079.00 $853.00 $3,270.00
Altha $1,000.00 $2,853.00 $1,000.00 $2,732.00
Altoona $821.00 $2,678.00 $821.00 $2,830.00
Alva $796.00 $2,908.00 $796.00 $3,117.00
Anthony $788.00 $2,562.00 $788.00 $2,711.00
Apalachicola $948.00 $2,973.00 $948.00 $2,805.00
Apollo Beach $1,172.00 $3,278.00 $1,172.00 $3,461.00
Apopka $901.00 $3,025.00 $901.00 $3,231.00
Arcadia $900.00 $2,806.00 $900.00 $2,995.00
Archer $712.00 $2,607.00 $712.00 $2,770.00
Astatula $821.00 $2,769.00 $821.00 $2,919.00
Astor $821.00 $2,678.00 $821.00 $2,830.00
Atlantic Beach $863.00 $2,909.00 $863.00 $3,054.00
Auburndale $826.00 $3,064.00 $826.00 $3,272.00
Avon Park $845.00 $2,893.00 $845.00 $3,083.00
Babson Park $826.00 $3,061.00 $826.00 $3,269.00
Baker $820.00 $2,951.00 $820.00 $3,151.00
Bartow $826.00 $3,064.00 $826.00 $3,272.00
Bascom $855.00 $2,810.00 $855.00 $2,732.00
Bell $898.00 $2,685.00 $898.00 $2,775.00
Belle Glade $973.00 $3,354.00 $973.00 $3,556.00
Belleair Beach $1,020.00 $3,766.00 $1,020.00 $4,067.00
Belleview $788.00 $2,682.00 $788.00 $2,846.00
Beverly Hills $861.00 $2,710.00 $861.00 $2,823.00
Big Pine Key $991.00 $3,052.00 $991.00 $3,234.00
Blountstown $1,000.00 $2,853.00 $1,000.00 $2,732.00
Boca Grande $796.00 $2,767.00 $796.00 $2,957.00
Boca Raton $1,184.00 $4,052.00 $1,184.00 $4,373.00
Bokeelia $796.00 $2,802.00 $796.00 $2,990.00
Bonifay $855.00 $2,810.00 $855.00 $2,713.00
Bonita Springs $796.00 $2,843.00 $796.00 $3,058.00
Bowling Green $900.00 $2,878.00 $900.00 $3,063.00
Boynton Beach $1,205.00 $4,161.00 $1,205.00 $4,522.00
Bradenton $862.00 $3,374.00 $862.00 $3,578.00
Bradenton Beach $865.00 $2,900.00 $865.00 $3,082.00
Brandon $1,172.00 $4,301.00 $1,172.00 $4,602.00
Branford $883.00 $2,710.00 $883.00 $2,775.00
Bristol $1,016.00 $2,893.00 $1,016.00 $2,738.00
Bronson $791.00 $2,607.00 $791.00 $2,770.00
Brooker $791.00 $3,036.00 $791.00 $3,240.00
Brooksville $860.00 $3,240.00 $860.00 $3,449.00
Bryceville $795.00 $3,036.00 $795.00 $3,240.00
Bunnell $868.00 $2,678.00 $868.00 $2,830.00
Bushnell $773.00 $2,713.00 $773.00 $2,866.00
Callahan $795.00 $3,115.00 $795.00 $3,319.00
Campbellton $855.00 $2,810.00 $855.00 $2,732.00
Canal Point $973.00 $3,540.00 $973.00 $3,795.00
Cantonment $954.00 $3,068.00 $954.00 $3,140.00
Cape Canaveral $802.00 $2,728.00 $802.00 $2,880.00
Cape Coral $796.00 $2,812.00 $796.00 $2,999.00
Captiva $796.00 $2,759.00 $796.00 $2,953.00
Carrabelle $948.00 $2,973.00 $948.00 $2,805.00
Caryville $805.00 $2,594.00 $805.00 $2,713.00
Casselberry $853.00 $3,717.00 $853.00 $4,028.00
Cedar Key $791.00 $2,584.00 $791.00 $2,748.00
Center Hill $773.00 $2,713.00 $773.00 $2,866.00
Century $954.00 $3,068.00 $954.00 $3,140.00
Chattahoochee $755.00 $2,661.00 $755.00 $2,732.00
Chiefland $791.00 $2,584.00 $791.00 $2,748.00
Chipley $805.00 $2,611.00 $805.00 $2,732.00
Christmas $897.00 $3,019.00 $897.00 $3,226.00
Citra $788.00 $2,562.00 $788.00 $2,711.00
Clarksville $1,000.00 $2,853.00 $1,000.00 $2,732.00
Clearwater Beach $1,020.00 $3,874.00 $1,020.00 $4,172.00
Clermont $821.00 $3,281.00 $821.00 $3,519.00
Clewiston $1,026.00 $3,060.00 $1,026.00 $3,262.00
Cocoa $802.00 $2,983.00 $802.00 $3,191.00
Cocoa Beach $802.00 $2,728.00 $802.00 $2,880.00
Cortez $865.00 $2,900.00 $865.00 $3,082.00
Cottondale $855.00 $2,810.00 $855.00 $2,732.00
Crawfordville $854.00 $2,754.00 $854.00 $2,732.00
Crescent City $900.00 $2,708.00 $900.00 $2,786.00
Crestview $820.00 $2,602.00 $820.00 $2,726.00
Cross City $889.00 $2,881.00 $889.00 $2,775.00
Crystal Beach $1,020.00 $3,874.00 $1,020.00 $4,172.00
Crystal River $861.00 $2,710.00 $861.00 $2,860.00
Dade City $1,037.00 $3,313.00 $1,037.00 $3,519.00
Dania $1,307.00 $4,669.00 $1,307.00 $5,000.00
Davenport $826.00 $3,255.00 $826.00 $3,497.00
Daytona Beach $844.00 $2,728.00 $844.00 $2,880.00
De Leon Springs $860.00 $2,727.00 $860.00 $2,879.00
Debary $860.00 $2,728.00 $860.00 $2,880.00
Deerfield Beach $1,123.00 $4,074.00 $1,123.00 $4,400.00
Defuniak Springs $768.00 $2,602.00 $768.00 $2,726.00
Deland $821.00 $2,728.00 $821.00 $2,880.00
Delray Beach $1,205.00 $4,161.00 $1,205.00 $4,522.00
Deltona $886.00 $2,983.00 $886.00 $3,191.00
Destin $820.00 $2,611.00 $820.00 $2,732.00
Dover $1,172.00 $3,472.00 $1,172.00 $3,672.00
Dundee $826.00 $3,252.00 $826.00 $3,494.00
Dunedin $1,098.00 $3,874.00 $1,098.00 $4,172.00
Dunnellon $788.00 $2,702.00 $788.00 $2,846.00
Eagle Lake $826.00 $3,064.00 $826.00 $3,272.00
Earleton $712.00 $2,664.00 $712.00 $2,810.00
East Palatka $900.00 $2,708.00 $900.00 $2,830.00
Eastpoint $948.00 $2,973.00 $948.00 $2,805.00
Ebro $805.00 $2,611.00 $805.00 $2,732.00
Edgewater $825.00 $2,728.00 $825.00 $2,880.00
Eglin Afb $820.00 $2,602.00 $820.00 $2,726.00
Elkton $814.00 $2,753.00 $814.00 $2,902.00
Ellenton $865.00 $2,896.00 $865.00 $3,062.00
Englewood $778.00 $2,796.00 $778.00 $2,982.00
Estero $796.00 $2,843.00 $796.00 $3,058.00
Eustis $821.00 $2,727.00 $821.00 $2,879.00
Everglades City $794.00 $3,592.00 $794.00 $3,910.00
Felda $1,026.00 $2,958.00 $1,026.00 $3,093.00
Fellsmere $827.00 $2,951.00 $827.00 $3,163.00
Fernandina Beach $795.00 $3,115.00 $795.00 $3,319.00
Flagler Beach $868.00 $2,678.00 $868.00 $2,830.00
Fleming Island $835.00 $3,110.00 $835.00 $3,315.00
Florahome $900.00 $2,708.00 $900.00 $2,738.00
Floral City $861.00 $2,713.00 $861.00 $2,866.00
Fort Lauderdale $1,086.00 $4,714.00 $1,086.00 $5,000.00
Fort Mc Coy $788.00 $2,562.00 $788.00 $2,711.00
Fort Meade $826.00 $2,896.00 $826.00 $3,086.00
Fort Myers $796.00 $2,883.00 $796.00 $3,093.00
Fort Myers Beach $796.00 $2,759.00 $796.00 $2,953.00
Fort Pierce $904.00 $3,234.00 $904.00 $3,478.00
Fort Walton Beach $820.00 $2,602.00 $820.00 $2,726.00
Fort White $810.00 $2,677.00 $810.00 $2,775.00
Fountain $810.00 $2,611.00 $810.00 $2,732.00
Freeport $768.00 $2,602.00 $768.00 $2,726.00
Frostproof $826.00 $2,893.00 $826.00 $3,083.00
Fruitland Park $821.00 $2,585.00 $821.00 $2,559.00
Gainesville $712.00 $2,607.00 $712.00 $2,770.00
Geneva $860.00 $3,025.00 $860.00 $3,231.00
Georgetown $900.00 $2,708.00 $900.00 $2,786.00
Gibsonton $1,172.00 $3,644.00 $1,172.00 $3,837.00
Glen Saint Mary $904.00 $2,946.00 $904.00 $3,153.00
Goodland $794.00 $2,843.00 $794.00 $3,058.00
Gotha $897.00 $2,999.00 $897.00 $3,193.00
Graceville $855.00 $2,810.00 $855.00 $2,732.00
Grand Island $821.00 $2,678.00 $821.00 $2,830.00
Grand Ridge $855.00 $2,810.00 $855.00 $2,732.00
Grant $802.00 $3,000.00 $802.00 $3,213.00
Green Cove Springs $835.00 $3,110.00 $835.00 $3,315.00
Greenville $903.00 $2,737.00 $903.00 $2,600.00
Greenwood $855.00 $2,810.00 $855.00 $2,732.00
Gretna $755.00 $2,661.00 $755.00 $2,732.00
Groveland $821.00 $3,022.00 $821.00 $3,228.00
Gulf Breeze $822.00 $2,602.00 $822.00 $2,726.00
Gulf Hammock $791.00 $2,584.00 $791.00 $2,748.00
Haines City $826.00 $3,255.00 $826.00 $3,497.00
Hallandale $1,307.00 $4,748.00 $1,307.00 $5,000.00
Hampton $791.00 $2,754.00 $791.00 $2,897.00
Hastings $814.00 $2,753.00 $814.00 $2,902.00
Havana $755.00 $2,661.00 $755.00 $2,732.00
Hawthorne $712.00 $2,558.00 $712.00 $2,711.00
Hernando $861.00 $2,710.00 $861.00 $2,846.00
Hialeah $1,107.00 $5,000.00 $1,107.00 $5,000.00
High Springs $712.00 $2,615.00 $712.00 $2,775.00
Hilliard $795.00 $3,040.00 $795.00 $3,244.00
Hobe Sound $901.00 $3,275.00 $901.00 $3,518.00
Holiday $1,082.00 $3,803.00 $1,082.00 $4,103.00
Hollywood $1,123.00 $4,748.00 $1,123.00 $5,000.00
Holt $820.00 $2,951.00 $820.00 $3,151.00
Homestead $1,107.00 $5,000.00 $1,107.00 $5,000.00
Homosassa $861.00 $2,710.00 $861.00 $2,823.00
Horseshoe Beach $889.00 $2,881.00 $889.00 $2,732.00
Hosford $1,016.00 $2,893.00 $1,016.00 $2,738.00
Howey-in-the-Hills $821.00 $2,766.00 $821.00 $2,916.00
Hudson $1,037.00 $3,634.00 $1,037.00 $3,937.00
Hurlburt Field $820.00 $2,602.00 $820.00 $2,726.00
Immokalee $794.00 $3,060.00 $794.00 $3,262.00
Indialantic $802.00 $2,728.00 $802.00 $2,880.00
Indian Lake Estates $826.00 $3,064.00 $826.00 $3,272.00
Indian Rocks Beach $1,020.00 $3,766.00 $1,020.00 $4,067.00
Indiantown $901.00 $3,275.00 $901.00 $3,518.00
Inglis $791.00 $2,584.00 $791.00 $2,748.00
Intercession City $940.00 $3,620.00 $940.00 $3,910.00
Interlachen $900.00 $2,708.00 $900.00 $2,786.00
Inverness $861.00 $2,710.00 $861.00 $2,846.00
Islamorada $991.00 $3,052.00 $991.00 $3,234.00
Jacksonville $941.00 $3,333.00 $941.00 $3,534.00
Jacksonville Beach $850.00 $2,909.00 $850.00 $3,054.00
Jasper $912.00 $2,857.00 $912.00 $2,847.00
Jay $822.00 $2,938.00 $822.00 $3,140.00
Jennings $912.00 $2,857.00 $912.00 $2,705.00
Jensen Beach $901.00 $3,234.00 $901.00 $3,478.00
Jupiter $966.00 $3,426.00 $966.00 $3,685.00
Kathleen $826.00 $3,027.00 $826.00 $3,232.00
Kenansville $940.00 $3,019.00 $940.00 $3,226.00
Key Biscayne $1,107.00 $4,605.00 $1,107.00 $4,965.00
Key Largo $991.00 $3,052.00 $991.00 $3,234.00
Key West $991.00 $3,052.00 $991.00 $3,234.00
Keystone Heights $835.00 $2,754.00 $835.00 $2,897.00
Kissimmee $826.00 $3,706.00 $826.00 $3,992.00
Labelle $1,026.00 $2,958.00 $1,026.00 $3,093.00
Lady Lake $821.00 $2,585.00 $821.00 $2,559.00
Lake Alfred $826.00 $3,255.00 $826.00 $3,497.00
Lake Butler $791.00 $2,664.00 $791.00 $2,810.00
Lake City $810.00 $2,713.00 $810.00 $2,870.00
Lake Como $900.00 $2,708.00 $900.00 $2,786.00
Lake Helen $860.00 $2,727.00 $860.00 $2,879.00
Lake Mary $856.00 $3,025.00 $856.00 $3,231.00
Lake Panasoffkee $773.00 $2,633.00 $773.00 $2,786.00
Lake Placid $845.00 $2,893.00 $845.00 $3,083.00
Lake Wales $826.00 $3,064.00 $826.00 $3,272.00
Lake Worth $1,225.00 $4,235.00 $1,225.00 $4,596.00
Lakeland $892.00 $3,064.00 $892.00 $3,272.00
Lamont $879.00 $2,865.00 $879.00 $2,732.00
Lanark Village $948.00 $2,973.00 $948.00 $2,805.00
Land O' Lakes $1,037.00 $3,816.00 $1,037.00 $4,115.00
Largo $1,020.00 $3,874.00 $1,020.00 $4,172.00
Laurel Hill $820.00 $2,602.00 $820.00 $2,726.00
Lawtey $791.00 $3,036.00 $791.00 $3,240.00
Lecanto $861.00 $2,717.00 $861.00 $2,882.00
Lee $903.00 $2,737.00 $903.00 $2,600.00
Leesburg $821.00 $2,678.00 $821.00 $2,830.00
Lehigh Acres $796.00 $2,883.00 $796.00 $3,093.00
Lithia $1,172.00 $3,278.00 $1,172.00 $3,461.00
Live Oak $883.00 $2,710.00 $883.00 $2,775.00
Longboat Key $865.00 $2,900.00 $865.00 $3,082.00
Longwood $860.00 $3,025.00 $860.00 $3,231.00
Lorida $845.00 $2,893.00 $845.00 $3,083.00
Loxahatchee $973.00 $3,540.00 $973.00 $3,795.00
Lulu $810.00 $2,677.00 $810.00 $2,810.00
Lutz $1,054.00 $4,628.00 $1,054.00 $5,000.00
Lynn Haven $810.00 $2,611.00 $810.00 $2,732.00
Macclenny $904.00 $3,036.00 $904.00 $3,240.00
Madison $903.00 $2,737.00 $903.00 $2,600.00
Maitland $868.00 $3,717.00 $868.00 $4,028.00
Malabar $802.00 $3,000.00 $802.00 $3,213.00
Malone $855.00 $2,810.00 $855.00 $2,732.00
Marathon $991.00 $3,052.00 $991.00 $3,234.00
Marco Island $794.00 $2,843.00 $794.00 $3,058.00
Marianna $855.00 $2,810.00 $855.00 $2,732.00
Mary Esther $820.00 $2,602.00 $820.00 $2,726.00
Mascotte $821.00 $3,022.00 $821.00 $3,228.00
Mayo $923.00 $2,814.00 $923.00 $2,775.00
Mc Alpin $883.00 $2,710.00 $883.00 $2,775.00
Mc David $954.00 $3,068.00 $954.00 $3,140.00
Melbourne $802.00 $3,000.00 $802.00 $3,213.00
Melbourne Beach $802.00 $2,728.00 $802.00 $2,880.00
Melrose $900.00 $2,708.00 $900.00 $2,711.00
Merritt Island $802.00 $2,728.00 $802.00 $2,880.00
Miami $1,107.00 $5,000.00 $1,107.00 $5,000.00
Miami Beach $1,107.00 $4,765.00 $1,107.00 $5,000.00
Miami Gardens $1,107.00 $4,789.00 $1,107.00 $5,000.00
Micanopy $712.00 $2,607.00 $712.00 $2,770.00
Middleburg $835.00 $3,110.00 $835.00 $3,315.00
Midway $755.00 $2,661.00 $755.00 $2,732.00
Milton $822.00 $2,938.00 $822.00 $3,140.00
Mims $802.00 $2,727.00 $802.00 $2,879.00
Miramar Beach $768.00 $2,611.00 $768.00 $2,732.00
Molino $954.00 $3,068.00 $954.00 $3,140.00
Monticello $879.00 $2,865.00 $879.00 $2,732.00
Montverde $821.00 $3,022.00 $821.00 $3,228.00
Moore Haven $938.00 $2,885.00 $938.00 $3,095.00
Morriston $791.00 $2,607.00 $791.00 $2,770.00
Mount Dora $821.00 $3,022.00 $821.00 $3,228.00
Mulberry $826.00 $3,038.00 $826.00 $3,243.00
Myakka City $865.00 $2,907.00 $865.00 $3,088.00
Naples $794.00 $2,843.00 $794.00 $3,058.00
Navarre $822.00 $2,602.00 $822.00 $2,726.00
Neptune Beach $850.00 $2,909.00 $850.00 $3,054.00
New Port Richey $1,037.00 $3,874.00 $1,037.00 $4,172.00
New Smyrna Beach $825.00 $2,728.00 $825.00 $2,880.00
Newberry $712.00 $2,607.00 $712.00 $2,770.00
Niceville $820.00 $2,602.00 $820.00 $2,726.00
Nokomis $778.00 $2,824.00 $778.00 $3,009.00
North Fort Myers $796.00 $2,812.00 $796.00 $2,999.00
North Miami Beach $1,107.00 $4,456.00 $1,107.00 $4,849.00
North Palm Beach $966.00 $3,426.00 $966.00 $3,685.00
North Port $791.00 $2,806.00 $791.00 $2,995.00
O Brien $883.00 $2,710.00 $883.00 $2,775.00
Oak Hill $860.00 $2,728.00 $860.00 $2,880.00
Ocala $788.00 $2,682.00 $788.00 $2,846.00
Ochopee $794.00 $3,060.00 $794.00 $3,262.00
Ocklawaha $788.00 $2,562.00 $788.00 $2,711.00
Ocoee $929.00 $3,002.00 $929.00 $3,195.00
Odessa $1,172.00 $3,564.00 $1,172.00 $3,805.00
Okahumpka $821.00 $2,585.00 $821.00 $2,559.00
Okeechobee $888.00 $2,990.00 $888.00 $3,200.00
Old Town $889.00 $2,881.00 $889.00 $2,775.00
Oldsmar $1,020.00 $3,874.00 $1,020.00 $4,172.00
Ona $900.00 $2,907.00 $900.00 $3,088.00
Opa-locka $1,107.00 $5,000.00 $1,107.00 $5,000.00
Orange City $860.00 $2,728.00 $860.00 $2,880.00
Orange Lake $788.00 $2,607.00 $788.00 $2,770.00
Orange Park $835.00 $3,110.00 $835.00 $3,315.00
Orlando $897.00 $3,927.00 $897.00 $4,241.00
Ormond Beach $844.00 $2,713.00 $844.00 $2,866.00
Osprey $778.00 $2,824.00 $778.00 $3,009.00
Osteen $860.00 $2,727.00 $860.00 $2,879.00
Oviedo $860.00 $3,025.00 $860.00 $3,231.00
Oxford $773.00 $2,590.00 $773.00 $2,559.00
Pahokee $973.00 $3,328.00 $973.00 $3,531.00
Paisley $821.00 $2,713.00 $821.00 $2,866.00
Palatka $900.00 $3,079.00 $900.00 $3,288.00
Palm Bay $802.00 $3,000.00 $802.00 $3,213.00
Palm Beach $1,163.00 $4,161.00 $1,163.00 $4,522.00
Palm Beach Gardens $973.00 $3,426.00 $973.00 $3,685.00
Palm City $901.00 $3,275.00 $901.00 $3,518.00
Palm Coast $868.00 $2,678.00 $868.00 $2,830.00
Palm Harbor $1,020.00 $3,874.00 $1,020.00 $4,172.00
Palmdale $938.00 $2,885.00 $938.00 $3,095.00
Palmetto $865.00 $3,374.00 $865.00 $3,578.00
Panacea $854.00 $2,754.00 $854.00 $2,732.00
Panama City $810.00 $2,611.00 $810.00 $2,732.00
Panama City Beach $810.00 $2,611.00 $810.00 $2,732.00
Parrish $865.00 $2,971.00 $865.00 $3,150.00
Patrick AFB $802.00 $2,728.00 $802.00 $2,880.00
Pembroke Pines $1,172.00 $3,470.00 $1,172.00 $3,678.00
Pensacola $915.00 $3,068.00 $915.00 $3,140.00
Perry $897.00 $2,914.00 $897.00 $2,760.00
Pierson $860.00 $2,678.00 $860.00 $2,830.00
Pinellas Park $1,056.00 $3,874.00 $1,056.00 $4,172.00
Pinetta $903.00 $2,737.00 $903.00 $2,600.00
Placida $778.00 $2,767.00 $778.00 $2,957.00
Plant City $1,054.00 $3,472.00 $1,054.00 $3,672.00
Polk City $826.00 $3,064.00 $826.00 $3,272.00
Pomona Park $900.00 $2,708.00 $900.00 $2,786.00
Pompano Beach $1,123.00 $4,574.00 $1,123.00 $4,997.00
Ponce De Leon $855.00 $2,810.00 $855.00 $2,713.00
Ponte Vedra Beach $814.00 $2,833.00 $814.00 $2,979.00
Port Charlotte $778.00 $2,768.00 $778.00 $2,958.00
Port Orange $860.00 $2,728.00 $860.00 $2,880.00
Port Richey $1,082.00 $3,803.00 $1,082.00 $4,103.00
Port St. Joe $830.00 $2,611.00 $830.00 $2,732.00
Port St. Lucie $1,030.00 $3,275.00 $1,030.00 $3,518.00
Punta Gorda $778.00 $2,814.00 $778.00 $3,001.00
Quincy $755.00 $2,661.00 $755.00 $2,732.00
Raiford $791.00 $3,036.00 $791.00 $3,240.00
Reddick $788.00 $2,607.00 $788.00 $2,770.00
River Ranch $826.00 $3,061.00 $826.00 $3,269.00
Riverview $1,172.00 $4,797.00 $1,172.00 $5,000.00
Rockledge $802.00 $2,980.00 $802.00 $3,189.00
Rotonda West $778.00 $2,767.00 $778.00 $2,957.00
Ruskin $1,172.00 $3,278.00 $1,172.00 $3,461.00
Safety Harbor $1,020.00 $3,874.00 $1,020.00 $4,172.00
Saint Johns $814.00 $2,798.00 $814.00 $2,945.00
Salem $897.00 $2,914.00 $897.00 $2,775.00
San Antonio $1,037.00 $3,313.00 $1,037.00 $3,519.00
San Mateo $900.00 $2,708.00 $900.00 $2,830.00
Sanderson $904.00 $2,801.00 $904.00 $2,810.00
Sanford $856.00 $3,025.00 $856.00 $3,231.00
Sanibel $796.00 $2,759.00 $796.00 $2,953.00
Santa Rosa Beach $768.00 $2,611.00 $768.00 $2,732.00
Sarasota $778.00 $2,971.00 $778.00 $3,153.00
Satellite Beach $802.00 $2,728.00 $802.00 $2,880.00
Satsuma $900.00 $2,708.00 $900.00 $2,786.00
Sebastian $802.00 $2,980.00 $802.00 $3,189.00
Sebring $845.00 $2,893.00 $845.00 $3,083.00
Seffner $1,172.00 $3,905.00 $1,172.00 $4,200.00
Seminole $1,020.00 $3,870.00 $1,020.00 $4,167.00
Seville $860.00 $2,633.00 $860.00 $2,786.00
Shalimar $820.00 $2,602.00 $820.00 $2,726.00
Silver Springs $788.00 $2,562.00 $788.00 $2,711.00
Sneads $855.00 $2,810.00 $855.00 $2,732.00
Sopchoppy $854.00 $2,754.00 $854.00 $2,732.00
Sorrento $821.00 $2,727.00 $821.00 $2,879.00
South Bay $973.00 $3,354.00 $973.00 $3,556.00
Spring Hill $860.00 $3,705.00 $860.00 $4,005.00
St. Augustine $814.00 $2,798.00 $814.00 $2,945.00
St. Cloud $940.00 $3,548.00 $940.00 $3,841.00
St. James City $796.00 $2,802.00 $796.00 $2,990.00
St. Petersburg $1,020.00 $3,870.00 $1,020.00 $4,167.00
Starke $791.00 $3,036.00 $791.00 $3,240.00
Steinhatchee $897.00 $2,914.00 $897.00 $2,760.00
Stuart $901.00 $3,275.00 $901.00 $3,518.00
Summerfield $788.00 $2,682.00 $788.00 $2,846.00
Summerland Key $991.00 $3,052.00 $991.00 $3,234.00
Sumterville $773.00 $2,767.00 $773.00 $2,917.00
Sun City Center $1,172.00 $3,278.00 $1,172.00 $3,461.00
Suwannee $889.00 $2,881.00 $889.00 $2,775.00
Tallahassee $864.00 $2,766.00 $864.00 $2,732.00
Tampa $1,136.00 $5,000.00 $1,136.00 $5,000.00
Tarpon Springs $1,166.00 $3,553.00 $1,166.00 $3,798.00
Tavares $821.00 $2,692.00 $821.00 $2,843.00
Tavernier $991.00 $3,052.00 $991.00 $3,234.00
The Villages $773.00 $2,590.00 $773.00 $2,559.00
Thonotosassa $1,136.00 $3,905.00 $1,136.00 $4,200.00
Titusville $802.00 $2,727.00 $802.00 $2,879.00
Trenton $898.00 $2,685.00 $898.00 $2,748.00
Umatilla $821.00 $2,678.00 $821.00 $2,830.00
Valparaiso $820.00 $2,602.00 $820.00 $2,726.00
Valrico $1,054.00 $3,419.00 $1,054.00 $3,622.00
Venice $778.00 $2,796.00 $778.00 $2,982.00
Venus $845.00 $2,901.00 $845.00 $3,089.00
Vernon $805.00 $2,594.00 $805.00 $2,713.00
Vero Beach $827.00 $3,234.00 $827.00 $3,478.00
Waldo $712.00 $2,558.00 $712.00 $2,711.00
Wauchula $900.00 $2,835.00 $900.00 $3,020.00
Webster $773.00 $3,022.00 $773.00 $3,228.00
Weirsdale $788.00 $2,678.00 $788.00 $2,830.00
Welaka $900.00 $2,708.00 $900.00 $2,786.00
Wellborn $883.00 $2,710.00 $883.00 $2,847.00
Wellington $1,166.00 $3,687.00 $1,166.00 $3,944.00
Wesley Chapel $1,037.00 $3,864.00 $1,037.00 $4,158.00
West Palm Beach $1,163.00 $4,235.00 $1,163.00 $4,596.00
Westville $855.00 $2,810.00 $855.00 $2,713.00
Wewahitchka $830.00 $2,853.00 $830.00 $2,732.00
White Springs $912.00 $2,857.00 $912.00 $2,847.00
Wildwood $773.00 $2,590.00 $773.00 $2,559.00
Williston $791.00 $2,607.00 $791.00 $2,770.00
Wimauma $1,172.00 $3,427.00 $1,172.00 $3,629.00
Windermere $897.00 $3,070.00 $897.00 $3,261.00
Winter Garden $929.00 $3,216.00 $929.00 $3,456.00
Winter Haven $826.00 $3,255.00 $826.00 $3,497.00
Winter Park $868.00 $3,365.00 $868.00 $3,599.00
Winter Springs $853.00 $2,963.00 $853.00 $3,156.00
Yalaha $821.00 $2,585.00 $821.00 $2,559.00
Yankeetown $791.00 $2,584.00 $791.00 $2,748.00
Youngstown $810.00 $2,611.00 $810.00 $2,732.00
Yulee $795.00 $3,115.00 $795.00 $3,319.00
Zellwood $897.00 $2,962.00 $897.00 $3,155.00
Zephyrhills $1,037.00 $3,422.00 $1,037.00 $3,624.00
Zolfo Springs $900.00 $2,832.00 $900.00 $3,017.00

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 35 years old, female or male, 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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