What insurance do I need in Florida?

State minimum auto coverage for Florida: $10k PIP + $10k PD (no BI minimum). For homeowners, coverage requirements depend on your mortgage lender, but most require dwelling and liability coverage. We recommend carrying higher limits than the minimum for better protection.

How much does car insurance cost in Florida?

In 2023, the average Florida driver spent $1,865 per insured vehicle on liability, collision and comprehensive coverage (NAIC Auto Insurance Database Report, 2023 data). Your actual rate depends on your age, driving record, vehicle, location within Florida, and coverage levels.

How can I find affordable insurance in Florida?

Compare quotes from multiple carriers using Truvo — it's free and takes 2 minutes. Bundling car and home insurance often saves up to 25%. You can also save with a clean driving record, higher deductibles, and multi-policy discounts.

What factors affect insurance rates in Florida?

Key factors include your ZIP code within Florida, driving record, age, credit score, vehicle and home details, coverage level, and claims history. Florida is a no-fault state with among the highest auto rates nationally. Home insurance is extremely expensive due to hurricane exposure.

Insurance in Florida

Compare car and home insurance rates from 50+ carriers in Florida. Average auto spend per vehicle: $1,865/year. Minimum auto coverage: $10k PIP + $10k PD (no BI minimum).

Florida is a no-fault state with among the highest auto rates nationally. Home insurance is extremely expensive due to hurricane exposure.

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$1,865

Avg. Auto Spend/Vehicle (2023)

$10k PIP + $10k PD (no BI minimum)

Auto Minimum Coverage

50+

Carriers Compared

2 min

Quote Time

Florida Insurance FAQ

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