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?
The savings don’t stop at signup. Here’s what else is on the table.
Bundle discounts
The more you bundle with Lemonade, the more you save. Car, renters, homeowners, pet, and more.
Safe driving
The safer you drive, the lower your premium. We look at things like speed, braking, and how smoothly you take turns.
Hybrid/EV discount
Got a hybrid or EV? We think that’s worth rewarding. You’ll get a lower rate, automatically.
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?
The state minimum covers the basics. These coverages help fill in the gaps.
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 moreWhat does (and doesn’t) car insurance cover in Florida?
What’s covered depends on which coverages you choose, but here’s what a full coverage policy typically includes (and a few things it doesn’t).
- Vandalism
- Fire damage
- Weather damage
- Theft
- Injuries to other people
- Damage to property
- Damage from a collision
- Fender benders
- Rental car reimbursement
- Towing
- Roadside assistance
- Windshield damage
Your insurance won’t cover oil changes, engine problems, stolen personal items like your purse, or damage from mudding in the Everglades
How much car insurance do I need in Florida?
You need enough coverage to protect yourself financially when accidents happen. If your car needed major repairs, could you afford these local Florida labor rates?
Keep in mind, parts and materials cost extra.
| City | Body repair | Frame repair | Mechanical repair | Paint repair |
|---|---|---|---|---|
| Boca Raton | $75 | $96 | $182 | $75 |
| Miami | $75 | $96 | $182 | $75 |
| Tampa | $72 | $95 | $146 | $72 |
| Kissimmee | $73 | $100 | $156 | $73 |
| Jacksonville | $73 | $88 | $148 | $73 |
Source: Caliber
What’s the best car
insurance in Florida?
Better pricing. Faster claims. Perks that actually matter.
Here’s what you get when your insurer is built on tech, not paperwork.
Priced for you
Most insurers average you in with everyone else. We don’t. Your price is built around how you drive. Not the driver next to you.
No hold music
Buy a policy, add a car, file a claim, update your coverage. All from the app, all in minutes.
Claims, not chaos
Open the app, tell us what’s going on, and we’ll take it from there. Fast, clear, and no runaround.
What happens if I drive without insurance in Florida?
Florida takes uninsured driving seriously, and the penalties add up fast.
Fines
No upfront fines, but you’ll pay $150-$500 in reinstatement fees depending on your offense history.
Suspension
License and registration suspended up to 3 years unless you can prove insurance quickly.
Jail time
Florida uses administrative penalties instead of jail time for insurance violations.
What do you need to get a car insurance quote in Florida?
You’ll need some basic information like your driver’s license number and your car’s VIN, but with the right details handy, getting quotes is quicker than your morning coffee run.
Here’s your checklist:
Your Details
- Driver's license number
- Social Security number (for credit check)
Your Car
- VIN number (found on your dashboard or door frame)
- Current registration or title
Your History
- Any accidents or tickets from the past 5 years
- Current insurance company and policy number (if you have coverage)
Your Preferences
- How much coverage you want
- Deductible amount you're comfortable with
- Monthly budget range
Florida 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.
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