Florida Auto Insurance — Built for Our PIP Market
Florida is one of the most expensive auto insurance markets in the country, and out-of-state agents don't understand PIP, the 14-day rule, or our 20% uninsured-driver problem. We do — because Florida is all we write.
- Bank-level encryption
- FL-licensed agents
- We never resell your data
Florida auto carriers we shop
- Progressive
- GEICO
- Allstate
- State Farm
Carrier availability varies by ZIP, risk, and prior claims. We’ll match you only to carriers actively writing your profile.
How it works
Three steps to a real auto quote.
No call centers, no data resale, no captive sales pressure.
- 01
Tell us what you drive, own, or insure
A quick intake — ZIP, basics, what you have today. Takes about ninety seconds.
- 02
We shop our Florida carrier panel
Independent agents compare rates and coverage across our appointed carriers — not just one.
- 03
Pick the best fit. We bind same day.
Review your real quotes side-by-side with a Florida-licensed agent. No fees, no spam.
Florida market
What makes Florida auto insurance different
Florida is a no-fault state, which means every driver is required to carry Personal Injury Protection (PIP). PIP pays for your own medical expenses regardless of who caused the accident — and it's mandatory, not optional.
Florida ranks consistently among the top three most expensive states for auto insurance. The reasons: roughly one in five Florida drivers is uninsured, severe weather generates large physical-damage claims, and a long history of PIP and AOB litigation drives premiums up across the board.
The good news: rates vary significantly between carriers, and Florida has dozens of competing insurers. Comparing quotes across at least three carriers is the single biggest lever you have to lower your auto premium.
What’s covered
Florida auto coverage breakdown
The protections we recommend, ranked by what Florida actually requires.
- Florida required
Bodily Injury Liability
Pays for injuries you cause to others. Florida minimums are low (10/20); most agents recommend 100/300 or higher.
- Florida required
Property Damage Liability
Pays for damage you cause to others' vehicles or property. Florida minimum is $10,000.
- Florida required
Personal Injury Protection (PIP)
Florida-specific no-fault coverage for your own medical expenses up to $10,000, regardless of who caused the accident.
- Highly recommended
Uninsured / Underinsured Motorist
Steps in when an at-fault driver has no coverage or not enough — critical given Florida's high uninsured rate.
- Optional
Collision
Pays to repair your vehicle after a crash, regardless of fault. Required if you have a loan or lease.
- Optional
Comprehensive
Covers theft, vandalism, hail, falling trees, and most non-collision damage. Often paired with Collision.
Florida averages
Average Florida auto insurance by coverage level
| Coverage level | Avg. monthly |
|---|---|
| State minimum (10/20/10 + PIP) | $98 |
| Standard (50/100/50 + PIP) | $156 |
| Recommended (100/300/100 + PIP) | $187 |
Illustrative averages from public industry reports. Your rate depends on driving record, ZIP, vehicle, age, and credit. Compare a real quote above for your number.
Common questions
Florida auto insurance FAQ
Real answers, written by Florida-licensed agents.
Bundle & save
Save more by bundling
Carriers offer multi-policy discounts of 10–25%. Pair auto with another line and we’ll quote both together.
Ready when you are
Ready to save on Florida auto insurance?
Florida-licensed agents · Multiple carriers · Instant quote