Cheap Car Insurance in Florida

Florida drivers pay an average of $2,560/year for full coverage and roughly $1,100/year for minimum required coverage — among the highest in the US. Miami leads at over $3,000/year, while Gainesville runs closer to $1,900/year.

Florida is a no-fault state requiring Personal Injury Protection coverage, has one of the highest uninsured-driver rates in the country (around 20%), faces hurricane and flood claim exposure, and has unusually high rates of insurance fraud and litigation. All of this pushes premiums above the national average.

Florida requires $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). Most drivers are not required to carry Bodily Injury Liability — but many do anyway, because the state minimum is widely considered inadequate if you cause a serious accident.

In 2026, Geico, State Farm, and Travelers typically offer the cheapest state-minimum coverage in Florida, often $1,000–$1,400/year for clean-record drivers. For full coverage, Progressive and Allstate are usually competitive.

Yes. Your PIP coverage pays your own medical bills after an accident regardless of who was at fault. This is why PIP is mandatory in Florida — and it's the biggest driver of why rates are so high here compared to most other states.