Car Insurance in Florida
Not every Florida driver has the same habits cruising down I-95. The careful ones, the smooth brakers, the ones who keep their phone face down and their eyes on the road?
Lemonade notices. And prices you accordingly.
How much does car insurance cost in Florida?
Car insurance in Florida averages $311/month for full coverage, but your actual rate depends on where you live, what you drive, and your driving record. Here’s what drivers pay in major cities:
| City | Average cost of car insurance |
|---|---|
| Jacksonville | $300 |
| Miami | $401 |
| Tampa | $391 |
| Orlando | $314 |
| St. Petersburg | $340 |
Source: ValuePenguin
How can I get cheaper car
insurance in Florida?
Hybrid/EV discount
Lower rates for driving eco-friendly cars, like hybrids or electric vehicles.
Bundle discounts
Unlock discounts when you bundle with Lemonade including car, renters, homeowners, pet, and more.
Safe driving
Your safe driving habits (like speed, braking, and making smooth turns) can positively impact your premiums.
What’s the best car
insurance in Florida?
Seamless user experience
Enjoy a smooth ride from quote to claim, with an app that makes managing your policy easy and stress-free.
Super customizable coverage
Choose from flexible coverages and add-ons to build a policy that fits your lifestyle.
Fast claims resolution
File claims in minutes and get reimbursed quickly-right through the app.
What is the minimum car insurance
required in Florida?
To meet Florida car insurance coverage requirements, drivers must carry these coverages and minimum amounts to stay road-legal:
| Required minimum coverages for Florida drivers | Minimum amount required |
|---|---|
| Property damage liability | $10,000 |
| Personal injury protection (PIP) | $10,000 |
What additional car insurance coverages
does Lemonade offer in Florida?
to your policy for better protection.
Bodily injury liability
To help cover the medical bills, lost wages, and other costs when you hurt someone else in an accident
Read moreCollision coverage
To repair or replace your own car if it’s damaged in an accident with another vehicle, or a stationary object (like a fence, highway divider, and so on).
Read moreComprehensive coverage
To fix damage to your car, or possibly replace it entirely, if there are damages or losses from an incident that didn’t involve a collision with another vehicle (like if you hit a deer, damage from a hailstorm, and so on).
Read moreMedical payments coverage (aka MedPay)
Medical expenses for you or a passenger in your car after a crash, like ambulance fees, hospital visits, and health insurance co-pays, or for funeral services (in a worst case scenario). Usually doesn’t have a deductible.
Read moreUninsured motorist bodily injury
Can help cover your medical bills and lost wages related to injuries caused by an uninsured driver.
Read moreTemporary transportation coverage
Transportation expenses like rideshares, public transportation, bike sharing, or a rental car for up to 30 days while your car is being repaired or appraised.
Read moreFlorida car insurance FAQs
Is Florida a no-fault state?
Yes, Florida is a no-fault state. Florida requires Personal Injury Protection (PIP) coverage, which pays your medical bills and lost wages after an accident, doesn’t matter who’s at fault. Because of this, you usually can’t sue for minor injuries. Lawsuits are only allowed for serious injuries as defined by state law.
Do I need insurance to register a car in Florida?
Yes, Florida requires insurance to register a vehicle. You must carry Personal Injury Protection (PIP) and property damage liability coverage. Proof of insurance is required before registration is issued – Florida will suspend registrations if coverage lapses.
What are the top risks for driving in Florida?
Florida’s driving risks include heavy traffic congestion statewide and sudden afternoon thunderstorms that drastically reduce visibility and create slick road conditions. Urban areas see frequent pedestrian and cyclist accidents, adding to the state’s overall traffic safety challenges.
How long do I have to report an accident in Florida?
In Florida, accidents involving injury, death, or apparent property damage of $500 or more must be reported immediately to law enforcement. If an officer responds, they’ll file the crash report. If not, you may be required to submit a report yourself within 10 days. Insurance reporting deadlines are usually much shorter.
What are the top safety tips for driving in Florida?
In Florida, stay focused and don’t let yourself get distracted in all that traffic and tourist chaos. Those afternoon thunderstorms come out of nowhere and can make it impossible to see, so slow down and flip on your headlights. Be extra careful around pedestrians, cyclists, and older drivers. And never, ever drive impaired here, it’s a huge problem.
A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage and discounts may not be available in all states.
Continue Reading
What Does Car Insurance Cover?
Get the coverage you need, and hit the road with confidence.
Pay Per Mile Car Insurance, Explained
Have stellar driving habits and spend less time behind the wheel than the average driver? Pay per mile car insurance could be a great fit.
Homeowners Insurance in Florida
Renters Insurance in Florida
Get coverage in the Sunshine State.
Pet Insurance in Florida
Keep your four-legged friends happy and healthy in the The Sunshine State.
Comprehensive vs. Collision Insurance, Explained
So, what’s the difference?