At HomeInsurance.com, our customers know that we are not just home insurance. We offer some of the most competitive auto insurance rates and home and auto insurance discounts available. Finally, finding competitive, low cost car insurance quotes in Florida does not have to be a chore. Fill out one form and our licensed agents will match you with the Florida auto insurance provider that offers the best rate for your vehicle and your drivers.
Did you know? The average Florida auto insurance premium in September 2011 was $1,520.00 for a 12-month policy. It appears that rates have decreased since August 2011 when average rates in Florida were around $1,542.00 for a 12-month policy.
Average Premiums for Auto Insurance In Florida |
||||
| Sep 2011 | Aug 2011 | Jul 2011 | Jun 2011 | May 2011 |
| $1520.00 | $1542.00 | $1579.00 | $1538.00 | $1541.00 |
Though rates have decreased in recent months, it’s important to continue to save money and find great coverage on Florida auto insurance. Be sure to ask your Florida car insurance agent about a Home-Auto Discount which can save you up to 25% or more on your home and auto insurance. Also, check your coverages on a regular basis to make sure you have enough auto insurance coverage in the event of a accident or other claim.
Florida Auto Insurance News
- Multiple proposed Florida laws intended to reduce auto insurance fraudMonday, January 16, 2012
- Auto insurance claim costs increasingFriday, December 30, 2011
- Abuse of Florida's no-fault auto insurance costing millionsFriday, December 09, 2011
- Michigan Chamber of Commerce says reform needed to keep no-fault system sustainableFriday, September 09, 2011
- Bad weather season isn't over for Florida, insurer warnsTuesday, September 06, 2011
Florida Auto Insurance Coverage Requirements
Bodily Injury: Florida drivers are required by law to carry a minimum of $10,000 of bodily injury coverage with a maximum of $10,000 per accident. Bodily injury coverage provides for lost wages, funeral expenses and medical expenses in the event of an accident where injuries are sustained.
Property Damage: Drivers in Florida must carry a minimum of $10,000 in property damage liability coverage for every owned vehicle. This coverage protects drivers from damages caused to private and public property damaged in an accident.
Florida Recommended Coverages
- Uninsured/Underinsured Motorist Coverage- a type of insurance which pays for the damages caused by uninsured and underinsured drivers.
- Comprehensive and Collision Coverage- a type of insurance coverage which pays for damages caused by storms and other natural disasters
Another way to save money on Florida car insurance premiums is to take advantage of auto insurance discounts that can save you money in your area. Read more about the Florida Home-Auto Discount.
Auto Insurance Tools and Tips:
- Auto Insurance Quiz- Why do you really pay what you do for auto insurance? Quiz yourself!
- Teen Driver Contract- Download our free teen driver contract and start protecting your teens on the road today.
- Car Insurance RateReport: See how your premiums add up against other drivers in the country with our interactive RateReport map.
Florida Most Stolen Vehicles
Some specific vehicle models are known for being more commonly stolen than others. Owning one of these vehicles may affect your auto insurance rates. Check out the most commonly stolen vehicles in Florida:
The Top 10 Most Stolen Vehicles in Florida
Rank |
Year |
Vehicle |
1 |
1994 |
Honda Accord |
2 |
2000 |
Honda Civic |
3 |
1991 |
Toyota Camry |
4 |
2006 |
Ford F150 Series |
5 |
1998 |
Dodge Caravan |
6 |
2005 |
Dodge Ram Pickup |
7 |
2007 |
Toyota Corolla |
8 |
1996 |
Jeep Cherokee/Grand Cherokee |
9 |
2002 |
Ford Explorer |
10 |
1993 |
Chevrolet Full Size C/K 1500 Pickup |
Source: © 2007 National Insurance Crime Bureau.
Florida Driver Licensing Rules/Regulations:
Laws about licensing new drivers vary per state and are unique in Florida. Drivers shopping for Florida teen auto insurance should review the laws regarding young drivers in their state. A summary of Florida young driver and driver licensing regulations are listed below, as per the Insurance Institute for Highway Safety (IIHS):
| To earn a Florida learners permit you must be of this minimum age: | 15 |
| Before getting a Florida drivers license you must have a learners permit for: | 12 months |
| Also, you must have this minimum amount of supervised driving time: | 50 hours, 10 of which must be at night |
| To earn a Florida driver's license you must be of the minimum age: | 16 |
| During your restricted license stage, you are not allowed to drive between: | 11 pm-6 am (age 16); 1 am-5 am (age 17) |
| Also, you are required to comply with the following passenger restrictions: | none |
| The minimum age at which your restricted nighttime hours may be lifted in Florida is: | 18 |
| The minimum age at which your passenger restrictions may be lifted in Florida is: | no |
Shop HomeInsurance.com for the lowest rates and best coverage for your vehicles. Simply enter your zip code above to start your customized car insurance quote and let our auto insurance agents qualify you for all available discounts in Florida.
Search for auto insurance in your Florida county:
- Alachua
- Baker
- Bay
- Bradford
- Brevard
- Broward
- Calhoun
- Charlotte
- Citrus
- Clay
- Collier
- Columbia
- De Soto
- Dixie
- Duval
- Escambia
- Flagler
- Franklin
- Gadsden
- Gilchrist
- Glades
- Gulf
- Hamilton
- Hardee
- Hendry
- Hernando
- Highlands
- Hillsborough
- Holmes
- Indian River
- Jackson
- Jefferson
- Lafayette
- Lake
- Lee
- Leon
- Levy
- Liberty
- Madison
- Manatee
- Marion
- Martin
- Miami Dade
- Monroe
- Nassau
- Okaloosa
- Okeechobee
- Orange
- Osceola
- Palm Beach
- Pasco
- Pinellas
- Polk
- Putnam
- Saint Johns
- Saint Lucie
- Santa Rosa
- Sarasota
- Seminole
- Sumter
- Suwannee
- Taylor
- Union
- Volusia
- Wakulla
- Walton
- Washington
For additional information about specific auto insurance laws in Florida, visit the Florida Department of Financial Services website.
