FAQ
Frequently asked questions
Short answers about best car insurance in Florida. Each links to the guide that covers the question in depth.
All questions
What car insurance is required in Florida?
$10,000 personal injury protection and $10,000 property damage liability. Bodily injury liability is not required for most drivers. See minimum requirements.
Why is car insurance so expensive in Florida?
A high uninsured-driver rate, no-fault litigation, severe weather, South Florida traffic density and high theft and repair costs. See why Florida rates are high.
How much is car insurance in Florida per month?
Roughly $80–$120 for minimum coverage and $200–$300 for full coverage for a typical adult driver, with Miami-Dade well above that. See average cost.
Do I need uninsured motorist coverage in Florida?
It is optional but strongly recommended—about one in five Florida drivers is uninsured. See uninsured motorist coverage.
Does car insurance cover hurricane damage in Florida?
Comprehensive coverage does. Liability-only policies do not cover your own car. See hurricanes and floods.
What is an FR-44?
Florida's filing after a DUI, requiring 100/300/50 liability for three years. See the FR-44 guide.
Which Florida city has the most expensive car insurance?
Miami and the rest of Miami-Dade County, followed by Broward. See rates by city.
How can I lower my Florida car insurance?
Compare several insurers, raise deductibles, try telematics, bundle policies and review coverage on older cars. See discounts and how to compare.
Does this site sell insurance?
No. It is an independent reference. Quote tools connect you with licensed comparison partners; see the advertising disclosure.