Car Insurance Agents in Florida
Find the Right Agent for Your Car Insurance Needs
“I am a Financial Educator, helping people take control of their money to create financial freedom.”
📍Cape Coral, Florida, 33991
“Do what’s right even when no one’s looking.”
📍Sarasota, Florida, 34240
“I’m an agent that will look out for your best interest and work with what’s best for your family financially!”
📍Groveland, Florida, 34736
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 can assist you in finding the right coverage option.
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.
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.
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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 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.
|Company Name||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 Name||Average annual premium for full coverage|
|West Palm Beach||$3,563|
Cheapest Cities for Car Insurance in Florida
|City Name||Average annual premium for full coverage|
Frequently Asked Questions
How much does car insurance cost in Florida per month?
How much auto insurance do I need in Florida?
Can I get out-of-state auto insurance in Florida?
What is the cost of registering a vehicle in Florida?
Is collision insurance required in Florida?
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