Florida drivers now pay some of the highest auto insurance premiums in the country. Whether you’re in Miami, Orlando, Jacksonville, or anywhere in between — a licensed agent can check if you’re overpaying. Free, no obligation.
The Florida Rate Problem
Florida’s unique combination of factors pushes premiums higher than the national average — but that doesn’t mean you have to pay more than you need to.
Florida’s no-fault law requires every driver to carry PIP coverage. This adds mandatory cost to every policy and creates an environment with higher claims rates compared to fault-based states.
Roughly 1 in 5 Florida drivers has no insurance. That risk is spread across all insured drivers via higher uninsured motorist premiums and increased claim exposure.
Florida insurers are not required to offer uniform rates — premiums vary widely between carriers for the same driver. Shopping the market is the #1 way to find significant savings.
What Florida Requires
Every registered vehicle in Florida must maintain at minimum:
$10,000
Covers your medical bills and lost wages after an accident, regardless of fault. Required for all FL drivers.
$10,000
Covers damage you cause to another person’s property in an accident. Required for all FL drivers.
Note: While these are the legal minimums, most licensed agents recommend higher liability limits plus uninsured motorist coverage for adequate real-world protection. Lenders require comprehensive and collision if you have a car loan.
Find Your City
Select your city to see local rate information and connect with a licensed agent in your area.
Central Florida
South Florida
North Florida
Our licensed agents serve all of Florida. Enter your information and we’ll connect you with a local agent who knows your market.
Free rate check — no commitment required