[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"/cheap-car-insurance-florida-2026":3},{"id":4,"title":5,"body":6,"breadcrumbs":773,"category":774,"ctaCarrier":111,"ctaHook":775,"ctaRate":776,"ctaState":777,"dateModified":778,"datePublished":779,"description":780,"draft":781,"extension":782,"faqs":783,"featured":781,"image":773,"meta":802,"navigation":803,"path":804,"relatedGuides":805,"section":832,"seo":833,"stem":834,"tags":835,"tocEnabled":803,"__hash__":840},"pages/cheap-car-insurance-florida-2026.md","Cheapest Car Insurance in Florida (2026)",{"type":7,"value":8,"toc":763},"minimark",[9,14,76,80,84,291,294,302,306,312,339,342,547,550,554,557,586,606,614,635,639,659,671,683,687,754,757],[10,11,13],"h2",{"id":12},"summary","Summary",[15,16,17,37,44,54,61,68],"ul",{},[18,19,20,24,25,28,29,36],"li",{},[21,22,23],"strong",{},"State Farm is the cheapest car insurance company in Florida",", averaging ",[21,26,27],{},"$82/month for liability-only"," and $128/month for full coverage, per ",[30,31,35],"a",{"href":32,"rel":33},"https://insurify.com/car-insurance/florida/",[34],"nofollow","Insurify rate data"," updated September 12, 2026. Progressive ($92/$145) is the next-cheapest full-coverage carrier.",[18,38,39,40,43],{},"Florida is one of the most expensive states in the country: ",[21,41,42],{},"liability averages $142/month against the national $98, full coverage $237 against $187"," — about $2,839 a year for full coverage.",[18,45,46,49,50,53],{},[21,47,48],{},"Rates are rising again."," After easing through 2025, Florida full coverage is up ",[21,51,52],{},"5.1% since December"," and 5% year over year, and every month of 2026 has been higher than the last. The mid-year report had Florida falling; the monthly series says otherwise.",[18,55,56,57,60],{},"The minimums are the lowest in the country and don't include bodily injury liability at all: ",[21,58,59],{},"$10,000 PIP and $10,000 property damage",", in a no-fault system with one of the highest uninsured-driver rates anywhere.",[18,62,63,64,67],{},"Geography is destiny here: ",[21,65,66],{},"Boynton Beach drivers pay $211/month for liability; Milton drivers pay $92."," South Florida's coastal counties are a different market from the rest of the state.",[18,69,70,71,75],{},"The carrier spread on the same liability profile runs $82 to $233 a month, so ",[30,72,74],{"href":73},"/","see where your own quote lands"," before your renewal reprices you.",[10,77,79],{"id":78},"cheapest-car-insurance-companies-in-florida","Cheapest Car Insurance Companies in Florida",[81,82,83],"p",{},"State Farm leads both columns in Florida — cheapest liability and cheapest full coverage — with a $10 gap to second place on liability and a $17 gap on full coverage. More than 400 companies sell auto insurance in Florida, per the Office of Insurance Regulation, and the table shows why comparison matters more here than almost anywhere: the same liability profile is $82 at the top and $233 at the bottom.",[85,86,87,103],"table",{},[88,89,90],"thead",{},[91,92,93,97,100],"tr",{},[94,95,96],"th",{},"Insurance company",[94,98,99],{},"Liability only (mo.)",[94,101,102],{},"Full coverage (mo.)",[104,105,106,118,129,140,150,161,172,183,194,204,215,226,237,248,258,269,280],"tbody",{},[91,107,108,112,115],{},[109,110,111],"td",{},"State Farm",[109,113,114],{},"$82",[109,116,117],{},"$128",[91,119,120,123,126],{},[109,121,122],{},"Clearcover",[109,124,125],{},"$90",[109,127,128],{},"$218",[91,130,131,134,137],{},[109,132,133],{},"GEICO",[109,135,136],{},"$92",[109,138,139],{},"$192",[91,141,142,145,147],{},[109,143,144],{},"Progressive",[109,146,136],{},[109,148,149],{},"$145",[91,151,152,155,158],{},[109,153,154],{},"Mile Auto",[109,156,157],{},"$94",[109,159,160],{},"$173",[91,162,163,166,169],{},[109,164,165],{},"Embark",[109,167,168],{},"$109",[109,170,171],{},"$262",[91,173,174,177,180],{},[109,175,176],{},"Dairyland",[109,178,179],{},"$122",[109,181,182],{},"$319",[91,184,185,188,191],{},[109,186,187],{},"Direct Auto",[109,189,190],{},"$123",[109,192,193],{},"$201",[91,195,196,199,201],{},[109,197,198],{},"GAINSCO",[109,200,190],{},[109,202,203],{},"$285",[91,205,206,209,212],{},[109,207,208],{},"Allstate",[109,210,211],{},"$126",[109,213,214],{},"$181",[91,216,217,220,223],{},[109,218,219],{},"Mercury",[109,221,222],{},"$131",[109,224,225],{},"$186",[91,227,228,231,234],{},[109,229,230],{},"The General",[109,232,233],{},"$132",[109,235,236],{},"$251",[91,238,239,242,245],{},[109,240,241],{},"Bristol West",[109,243,244],{},"$140",[109,246,247],{},"$211",[91,249,250,253,256],{},[109,251,252],{},"National General",[109,254,255],{},"$152",[109,257,139],{},[91,259,260,263,266],{},[109,261,262],{},"Travelers",[109,264,265],{},"$168",[109,267,268],{},"$264",[91,270,271,274,277],{},[109,272,273],{},"Root",[109,275,276],{},"$174",[109,278,279],{},"$303",[91,281,282,285,288],{},[109,283,284],{},"Liberty Mutual",[109,286,287],{},"$233",[109,289,290],{},"$301",[81,292,293],{},"Source: Insurify Florida rate data, current as of August 31, 2026 (page updated September 12). Full-coverage figures reflect 50/100/50 liability limits with $1,000 collision and comprehensive deductibles. Actual quotes vary by driver profile.",[81,295,296,297,301],{},"Two things in the table are worth a second look. Clearcover is second-cheapest for liability at $90 but $218 for full coverage, which makes it a minimum-coverage carrier, not a full-coverage one; Progressive's $145 is the real runner-up for anyone with a car loan. And the national brands that lead elsewhere are expensive in Florida: GEICO's full coverage is $192, Allstate's $181, Travelers — the cheapest full-coverage insurer in the country on our ",[30,298,300],{"href":299},"/cheapest-car-insurance-companies-2026","national cheapest-companies page"," — is $264 here, and Liberty Mutual is the most expensive carrier in the state for liability at $233. Florida is where national rankings go to die.",[10,303,305],{"id":304},"how-much-is-car-insurance-in-florida","How Much Is Car Insurance in Florida?",[81,307,308,311],{},[21,309,310],{},"Florida averages $142/month for liability-only and $237/month for full coverage"," — about 45% and 27% above the national averages of $98 and $187, and among the highest in the country.",[81,313,314,315,319,320,324,325,319,329,333,334,338],{},"The trend has turned, and this is where we need to correct what this guide said in July. The mid-year report had Florida falling 4% in the first half of 2026. The monthly series, which is the fresher publication, shows the opposite: full coverage was about $2,702 a year in December 2025 and $2,839 in August 2026, a 5.1% rise in eight months, with every month higher than the one before. Year over year it's up about 5% from $2,700 in August 2025. The state peaked near $2,909 in June 2024, eased through 2025, and has now recovered most of the ground. The pressures are the familiar ones — repair-cost inflation, medical costs, litigation, and a growing pile of flood and storm claims — and the same source expects the pace of increases to slow in 2026 without reversing. Florida is in the same current as ",[30,316,318],{"href":317},"/cheap-car-insurance-kentucky-2026","Kentucky"," and ",[30,321,323],{"href":322},"/cheap-car-insurance-virginia-2026","Virginia",", not the one ",[30,326,328],{"href":327},"/cheap-car-insurance-tennessee-2026","Tennessee",[30,330,332],{"href":331},"/cheap-car-insurance-ohio-2026","Ohio"," are in. Our ",[30,335,337],{"href":336},"/insights/average-rates-september-2026","September rate report"," has the full national picture.",[81,340,341],{},"City spread, per Insurify (selected cities from a 70-city table):",[85,343,344,355],{},[88,345,346],{},[91,347,348,351,353],{},[94,349,350],{},"City",[94,352,99],{},[94,354,102],{},[104,356,357,366,376,387,397,408,419,430,441,451,462,473,484,494,504,515,526,537],{},[91,358,359,362,364],{},[109,360,361],{},"Milton",[109,363,136],{},[109,365,139],{},[91,367,368,371,374],{},[109,369,370],{},"Venice",[109,372,373],{},"$95",[109,375,160],{},[91,377,378,381,384],{},[109,379,380],{},"Vero Beach",[109,382,383],{},"$97",[109,385,386],{},"$203",[91,388,389,392,395],{},[109,390,391],{},"Panama City",[109,393,394],{},"$107",[109,396,139],{},[91,398,399,402,405],{},[109,400,401],{},"Gainesville",[109,403,404],{},"$112",[109,406,407],{},"$202",[91,409,410,413,416],{},[109,411,412],{},"Tallahassee",[109,414,415],{},"$118",[109,417,418],{},"$219",[91,420,421,424,427],{},[109,422,423],{},"Sarasota",[109,425,426],{},"$119",[109,428,429],{},"$197",[91,431,432,435,438],{},[109,433,434],{},"Naples",[109,436,437],{},"$120",[109,439,440],{},"$208",[91,442,443,446,448],{},[109,444,445],{},"Pensacola",[109,447,437],{},[109,449,450],{},"$207",[91,452,453,456,459],{},[109,454,455],{},"Jacksonville",[109,457,458],{},"$138",[109,460,461],{},"$236",[91,463,464,467,470],{},[109,465,466],{},"Orlando",[109,468,469],{},"$158",[109,471,472],{},"$258",[91,474,475,478,481],{},[109,476,477],{},"Fort Lauderdale",[109,479,480],{},"$171",[109,482,483],{},"$265",[91,485,486,489,492],{},[109,487,488],{},"West Palm Beach",[109,490,491],{},"$182",[109,493,483],{},[91,495,496,499,501],{},[109,497,498],{},"Tampa",[109,500,225],{},[109,502,503],{},"$296",[91,505,506,509,512],{},[109,507,508],{},"Miami",[109,510,511],{},"$189",[109,513,514],{},"$295",[91,516,517,520,523],{},[109,518,519],{},"Hialeah",[109,521,522],{},"$193",[109,524,525],{},"$286",[91,527,528,531,534],{},[109,529,530],{},"Miami Gardens",[109,532,533],{},"$200",[109,535,536],{},"$335",[91,538,539,542,544],{},[109,540,541],{},"Boynton Beach",[109,543,247],{},[109,545,546],{},"$298",[81,548,549],{},"The map reads north-inland cheap, south-coastal expensive. The Panhandle and the Nature Coast — Milton, Panama City, Pensacola — and the Gulf retirement towns — Venice, Sarasota, Naples — sit at or below the national average for liability. Jacksonville is the state's cheapest big city. Then the cliff: Orlando and Tampa run 10–30% above the state average, and the Miami–Fort Lauderdale–West Palm corridor runs 20–50% above it, with Miami Gardens the most expensive place in Florida for full coverage at $335 a month. Congestion, theft, hurricane exposure, and a litigation environment that makes South Florida claims the most expensive in the state all stack in the same ZIP codes. If you garage a car in Miami-Dade, Broward, or Palm Beach County, the carrier comparison is worth more to you than to anyone else in Florida.",[10,551,553],{"id":552},"florida-car-insurance-requirements","Florida Car Insurance Requirements",[81,555,556],{},"Florida has the lowest and strangest minimums in the country. To register a vehicle you need:",[85,558,559,569],{},[88,560,561],{},[91,562,563,566],{},[94,564,565],{},"Coverage type",[94,567,568],{},"Florida minimum",[104,570,571,579],{},[91,572,573,576],{},[109,574,575],{},"Personal injury protection (PIP)",[109,577,578],{},"$10,000",[91,580,581,584],{},[109,582,583],{},"Property damage liability",[109,585,578],{},[81,587,588,589,592,593,596,597,319,601,605],{},"That's it. ",[21,590,591],{},"Florida does not require bodily injury liability"," for basic registration — one of two states that don't — even though you're fully responsible for injuries you cause. Most drivers buy it anyway, and any lender will require it, but a driver carrying only the legal minimum has no protection if they hurt someone. Florida is a ",[21,594,595],{},"no-fault state",": your own PIP pays your medical bills after a crash regardless of who caused it, up to the $10,000 limit, which a single emergency-room visit can exhaust. The same mechanism applies in ",[30,598,600],{"href":599},"/cheap-car-insurance-michigan-2026","Michigan",[30,602,604],{"href":603},"/cheap-car-insurance-massachusetts-2026","Massachusetts",", both with far higher limits.",[81,607,608,609,613],{},"Coverage must stay continuous on any registered vehicle — even one that's inoperable or parked for the season — or the state suspends the registration and license. Snowbirds who let a Florida policy lapse over the summer learn this the expensive way; our ",[30,610,612],{"href":611},"/blog/car-insurance-after-coverage-lapse","coverage-lapse guide"," covers the reinstatement path.",[81,615,616,617,620,621,624,625,629,630,634],{},"Florida also uses ",[21,618,619],{},"both the SR-22 and the FR-44",". Lesser violations get the SR-22. A DUI conviction gets the FR-44, which requires ",[21,622,623],{},"100/300/50 liability coverage for three years"," — ten times the bodily-injury coverage of a standard policy, in a state that otherwise requires none. FR-44 policies average about $167 a month for liability. Our ",[30,626,628],{"href":627},"/blog/sr-22-vs-fr-44-explained","SR-22 vs. FR-44 explainer"," covers how the two forms differ, and our ",[30,631,633],{"href":632},"/blog/car-insurance-suspended-license","suspended-license guide"," covers reinstatement.",[10,636,638],{"id":637},"high-risk-drivers-in-florida","High-Risk Drivers in Florida",[81,640,641,642,645,646,649,650,319,654,658],{},"Florida surcharges violations on top of an already high base. Nearly 8% of Florida drivers have a ticket, accident, or DUI on their record. At State Farm, the cheapest carrier for most high-risk profiles in the state, a ",[21,643,644],{},"speeding ticket moves the liability rate from $82 to about $100 a month",", and full coverage after an at-fault accident runs about $107. A ",[21,647,648],{},"DUI pushes the statewide liability average to $182"," — and, uniquely, triggers the FR-44's 100/300/50 limits on top of the surcharge. The spread between carriers for a driver with a record is far wider than for a clean driver, which is why shopping matters most for the people least inclined to do it. Our ",[30,651,653],{"href":652},"/blog/how-to-lower-rate-after-accident","post-accident rate guide",[30,655,657],{"href":656},"/blog/does-not-at-fault-accident-raise-rates","not-at-fault accident explainer"," cover what actually moves after a claim.",[81,660,661,662,665,666,670],{},"Credit counts in Florida. Insurers can use a credit-based insurance score, and drivers with bad credit pay about ",[21,663,664],{},"$119 a month for liability at the cheapest carrier"," against $82 for good credit — a 45% penalty before you reach the mid-table insurers. The ",[30,667,669],{"href":668},"/guide/credit-score","credit-score playbook"," applies in full.",[81,672,673,674,677,678,682],{},"Teens are the expensive band: ",[21,675,676],{},"about $151/month for liability at State Farm",", the cheapest carrier for young drivers, and roughly $315 for an 18-year-old's own policy. Our ",[30,679,681],{"href":680},"/blog/choosing-safe-first-car-teen-driver","teen safe-car guide"," covers the vehicle side, and State Farm, GEICO, and Allstate are the three carriers that price Florida seniors most gently.",[10,684,686],{"id":685},"how-to-save-on-car-insurance-in-florida","How to Save on Car Insurance in Florida",[688,689,690,696,702,708,714,720,736],"ol",{},[18,691,692,695],{},[21,693,694],{},"Quote State Farm and Progressive first."," The only two carriers under $150 for full coverage in a state that averages $237 — that's the benchmark everything else has to beat.",[18,697,698,701],{},[21,699,700],{},"Don't stop at the legal minimum."," PIP and $10,000 property damage isn't protection; it's registration. Price bodily injury liability and uninsured motorist coverage — Florida requires insurers to offer UM, and with the state's uninsured rate, declining it is the most expensive way to save a few dollars.",[18,703,704,707],{},[21,705,706],{},"If you're in South Florida, shop twice as hard."," Miami-Dade, Broward, and Palm Beach carry the widest carrier spreads in the state, and the theft-and-litigation premium is priced very differently from one insurer to the next.",[18,709,710,713],{},[21,711,712],{},"Bundle if you own a home."," Florida's homeowners premiums are high enough that the multi-policy discount on the auto side is worth more here than in most states.",[18,715,716,719],{},[21,717,718],{},"Don't let a seasonal car lapse."," Continuous coverage is the law on any registered vehicle. A summer lapse is a suspension, a reinstatement fee, and a higher rate on the way back.",[18,721,722,725,726,730,731,735],{},[21,723,724],{},"Stack the standard discounts"," — good student, defensive driving, safe-driver telematics; our ",[30,727,729],{"href":728},"/guide/discounts","discounts guide"," covers the list, and our ",[30,732,734],{"href":733},"/blog/snapshot-vs-driveeasy-vs-drive-safe-and-save","telematics comparison"," covers which programs can't raise your rate.",[18,737,738,741,742,745,746,749,750,753],{},[21,739,740],{},"Compare before renewal, not after."," In a market up 5% this year and rising every month, the renewal notice is where the increase lands — ",[30,743,744],{"href":73},"pull fresh quotes"," a month out, check the ",[30,747,748],{"href":299},"national standings",", and ",[30,751,752],{"href":73},"price your own profile"," against the tables above.",[755,756],"hr",{},[81,758,759],{},[760,761,762],"em",{},"Rate data from Insurify's Florida car insurance analysis, updated September 12, 2026, with table rates current as of August 31, 2026, based on real-time quotes from 500+ partner insurers for drivers ages 20–70 with clean records and average or better credit unless noted. Annual trend figures from the same source's monthly Florida series (December 2025–August 2026); its 2026 Mid-Year Auto Report (updated August 11) had Florida falling 4% in the first half of 2026, which the monthly series contradicts — this guide uses the series as the fresher publication. Driver-profile figures per the same source's Florida sub-analyses as summarized on the state page. State requirements per the Florida Department of Highway Safety and Motor Vehicles; FR-44 limits per FLHSMV financial responsibility bulletins. Actual quotes vary by driver profile.",{"title":764,"searchDepth":765,"depth":765,"links":766},"",2,[767,768,769,770,771,772],{"id":12,"depth":765,"text":13},{"id":78,"depth":765,"text":79},{"id":304,"depth":765,"text":305},{"id":552,"depth":765,"text":553},{"id":637,"depth":765,"text":638},{"id":685,"depth":765,"text":686},null,"savings","Boynton Beach pays more than double Milton.","$82/mo for liability (Aug 2026)","FL","2026-09-14","2026-07-02","State Farm leads Florida at $82/mo for liability and $128 for full coverage. Compare FL companies, city rates, PIP-only minimums, and why rates are rising.",false,"md",[784,787,790,793,796,799],{"question":785,"answer":786},"Who has the cheapest car insurance in Florida?","State Farm has the cheapest car insurance in Florida, averaging $82 per month for liability-only coverage and $128 for full coverage, according to rate data current as of August 2026. Progressive ($92/$145) is the next-cheapest full-coverage option, and both sit far below the state averages of $142 and $237.",{"question":788,"answer":789},"How much is car insurance in Florida in 2026?","Florida drivers pay an average of $142 per month for liability-only coverage and $237 per month for full coverage — about 45% and 27% above the national averages of $98 and $187. Full coverage runs about $2,839 a year as of August 2026, up 5% since December and 5% year over year.",{"question":791,"answer":792},"Why is car insurance so expensive in Florida?","Heavy traffic in multiple large metros, hurricane and flood exposure, elevated vehicle theft, a costly litigation environment, one of the highest uninsured-driver rates in the country, and a no-fault system that puts $10,000 of PIP in every policy all push Florida premiums well above the national average.",{"question":794,"answer":795},"What are Florida's minimum car insurance requirements?","Florida requires only $10,000 in personal injury protection and $10,000 in property damage liability to register a vehicle — no bodily injury liability. Coverage must stay continuous on any registered vehicle, even one that isn't being driven. Drivers convicted of DUI must carry 100/300/50 under an FR-44 for three years.",{"question":797,"answer":798},"Does Florida use an SR-22 or an FR-44?","Both. Florida uses the SR-22 for lesser violations and the FR-44 after a DUI conviction. The FR-44 requires 100/300/50 liability coverage — ten times the bodily-injury protection of a standard policy — for three years, and FR-44 policies average about $167 per month for liability in Florida.",{"question":800,"answer":801},"How much does a ticket or accident raise rates in Florida?","At the cheapest carrier, State Farm, a speeding ticket moves the liability rate from $82 to about $100 a month and a DUI pushes the statewide liability average to $182. Florida drivers with bad credit pay about $119 at the cheapest carrier. Nearly 8% of Florida drivers carry a ticket, accident, or DUI on their record.",{},true,"/cheap-car-insurance-florida-2026",[806,810,814,817,821,825,828],{"path":807,"title":808,"description":809},"/cheap-car-insurance-georgia-2026","Cheapest Car Insurance in Georgia (2026)","The cheapest Georgia insurers compared by city, driver profile, and coverage level.",{"path":811,"title":812,"description":813},"/cheap-car-insurance-north-carolina-2026","Cheapest Car Insurance in North Carolina (2026)","The cheapest North Carolina insurers compared by city, driver profile, and coverage level.",{"path":327,"title":815,"description":816},"Cheapest Car Insurance in Tennessee (2026)","The cheapest Tennessee insurers compared by city, driver profile, and coverage level.",{"path":818,"title":819,"description":820},"/cheap-car-insurance-south-carolina-2026","Cheapest Car Insurance in South Carolina (2026)","The cheapest South Carolina insurers compared by city, driver profile, and coverage level.",{"path":822,"title":823,"description":824},"/cheap-car-insurance-alabama-2026","Cheapest Car Insurance in Alabama (2026)","The cheapest Alabama insurers compared by city, driver profile, and coverage level.",{"path":299,"title":826,"description":827},"Cheapest Car Insurance Companies of 2026","The cheapest car insurance companies ranked nationally.",{"path":829,"title":830,"description":831},"/best-car-insurance-companies-2026","Best Car Insurance Companies of 2026","Top insurers ranked by claims satisfaction, financial strength, and fit.","guide",{"title":5,"description":780},"cheap-car-insurance-florida-2026",[836,837,838,839],"florida","cheap car insurance","rates","2026","64mXWR52ea8PCultImKGMTlcqPPiUxvYd4Ydgjq9iu0"]