Car Insurance Agents in Florida

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Car insurance is a mandatory coverage in Florida. It requires individuals to have the minimum amount of liability and injury protection as per the laws. But getting the best car insurance in Florida will ultimately depend on your individual circumstances.

That’s where a local car insurance agent will assist you in finding the right coverage option for Florida automobile insurance.

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According to Bankrate’s research into the Florida car insurance market, full coverage costs $2,762 per year and minimum coverage costs $997 per year, both of which are significantly higher than the national averages of $1,771 and $545, respectively.

With that in mind, here’s some of the car insurance coverage Florida residents are required to have as per the state laws.

  • Personal Injury Protection: A minimum of $10,000 in coverage is required. Consider this as a part of your Florida minimum auto insurance plan.
  • Property Damage Liability: A minimum of $10,000 in coverage is required.
  • Collision Coverage (optional): Covers vehicle repairs even if the accident was your fault.
  • Medical Payment (optional): Pays the 20% of medical bills not covered by PIP, plus amounts in excess of $10,000.
  • Uninsured/Underinsured Motorist (optional): Pays your claims if the at-fault driver does not have liability insurance or has only a minimal amount of coverage.
  • Bodily Injury Liability (optional): Pays for the other party’s medical bills and/or lost income in excess of $10,000 if you are at fault in an accident. Coverage is typically $100,000 per person, with a maximum of $300,000 per accident.

Popular Auto Coverages in Florida

Personal Injury Protection

  • Personal injury protection (PIP) insurance pays for injury-related medical and rehabilitation costs, lost income, and funeral and burial costs. Bodily injury liability coverage pays for any physical injuries sustained in an accident caused by you.

Property Damage Liability

  • In most states, property damage liability coverage is required by law. If you are at fault for a car accident that damages another vehicle or property, such as a fence or building front, it usually helps cover the cost of repairs. Damage to your own vehicle is typically not covered by property damage liability coverage. 

Bodily Injury Liability

  • If you cause a car accident, bodily injury liability coverage pays for the medical bills of those who are injured (not including yourself). This coverage also helps to cover the cost of legal defense if you are sued for damages. 

Collision Coverage

  • Collision coverage helps repair or replace your car if it is damaged or destroyed in an accident with another vehicle, regardless of fault. This is distinct from liability coverage, which pays for damage to another person's car caused by an accident you cause.

Florida Car Insurance Cost

According to the Florida Office of Insurance Regulation, the minimum insurance coverage needed to register the majority of personal automobiles in Florida is $10,000 in Property Damage (PD) coverage and $10,000 in Personal Injury Protection (PIP). The total premium costs for this are denoted as “PIP + PD” for the rating examples presented below.

Many people also acquire coverage for damage to their own car on top of the minimum necessary coverage for bodily injury, uninsured/underinsured motorists, and medical payments (such as collision, comprehensive, towing & labor, rental reimbursement, etc.). “All Coverages” refers to the total premium for all of these coverages.

Here’s some of the car insurance costs available from different insurance companies in Florida.

List of Car Insurance Companies in Florida  PIP + PD1  All Coverages 
Esurance Property & Casualty Insurance Company  $193  $1,332  
United Services Automobile Association  $300 $1,554 
USAA Casualty Insurance Company$351 $1,799
USAA General Indemnity Company$429$1,938
Safeco Insurance Company of Illinois$448$2,023
State Farm Mutual Automobile Insurance Company$582$2,389
Permanent General Assurance Corporation$603$2,528
Security National Insurance Company$625$2,283
The Standard Fire Insurance Company$626$2,521
Geico Indemnity Company $781$3,520
Allstate Insurance Company$844$2,786
LM General Insurance Company$878$5,581
Allstate Fire and Casualty Insurance Company$995$3,536
Equity Insurance Company$1,145$3,034
Allstate Property & Casualty Insurance Company$1,185$3,556

Expensive Cities for Car Insurance in Florida

The cost of Florida car insurance depends on a number of variables, such as the type of car, its age, mileage and the city you live in. Here is a list of Florida’s five most affordable cities for car insurance. 

City NameAverage annual premium for full coverage

  • Hialeah $3,777
  • Miami $3,713
  • Boynton Beach $3,672
  • Lake Worth $3,593
  • West Palm Beach $3,563

Cities for the Cheapest Car Insurance in Florida

City NameAverage annual premium for full coverage

  • Gainesville $1,782
  • Callaway $1,804
  • Naples $1,882
  • Ocala $1,916

FAQ's

  • How can I find car insurance agents near me in FL?

    The best way to find auto insurance agents near you in FL is to find one through Agency Height. You can find reliable agents that are in your neighborhood through our platform.

  • Which is the best auto insurance agency in Florida?

    If you are on the lookout for auto insurance agencies, or want to know the best auto insurance agency in FL, you need to contact local car insurance agents. Local agents on Agency Height can provide the list of best agencies or carriers, whatever you need.

  • What is the most basic car insurance in Florida?

    The most basic car insurance in Florida is the liability coverage that the state mandates. As per the car insurance requirements in Florida, liability coverage includes bodily injury liability, personal injury protection, and property damage liability. There are a number of additional choices like gap insurance, collision, comprehensive, and uninsured/underinsured motorist coverage.

  • How much does car insurance cost in Florida?

    In Florida, the average cost of car insurance is $2,162 per year, or $180 per month for a full coverage policy. The average monthly premium for state minimum coverage is $69, or $828 per year.

  • How much auto insurance do I need in Florida?

    When registering a car in Florida, residents must show proof of two types of coverage: personal injury protection (PIP) and property damage liability (PDL). For both types, the minimum required for a private passenger vehicle is $10,000 per person.

  • Do I get out-of-state auto insurance in Florida?

    No, you must have car insurance in your state of residence. If you relocate, you must notify your insurance company of your new address as soon as possible. If you live in another state, the company may deny your claims.

  • What is the cost of registering a vehicle in Florida?

    When the owner does not have a license plate or record of a license plate registered in their name for a vehicle he or she previously owned in Florida, the initial registration fee of $225 must be paid.

  • Is insurance required in Florida?

    In contrast to PIP and PDL coverages, Florida motorists are not required by law to carry collision insurance as part of their auto insurance policy. Collision insurance covers damage to the policyholder’s vehicle caused by an accident.

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