Cheap FL Car Insurance: How to Get Affordable Coverage in Florida

Car insurance is a necessary expense for drivers in Florida, but that doesn’t mean it has to break the bank. With some smart shopping and research, you can find affordable car insurance that still provides the coverage you need. In this article, we’ll explore some tips for finding cheap FL car insurance and answer some frequently asked questions about car insurance in Florida.

What Determines the Cost of Car Insurance in FL?

Before we dive into how to get cheap FL car insurance, it’s important to understand what factors influence the cost of car insurance in Florida. Here are some of the most significant factors:

Driving record
Drivers with a history of accidents or traffic violations are considered higher-risk and may pay more for insurance.
Younger drivers are generally considered higher-risk and may pay more for insurance. Drivers over 25 may see lower rates.
Car make and model
Cars that are more expensive to repair or replace may cost more to insure.
Drivers in areas with high rates of car theft or accidents may pay more for insurance.

Other factors that may affect the cost of car insurance in Florida include gender, marital status, credit score, and even occupation. Keep these factors in mind as you shop around for car insurance.

Tips for Finding Cheap FL Car Insurance

Now that you know what factors influence the cost of car insurance in Florida, let’s look at some tips for finding affordable coverage:

1. Shop around

Don’t settle for the first car insurance policy you find. Shop around and compare rates from multiple insurers. Be sure to compare the same types and amounts of coverage so you can get an accurate comparison.

2. Consider raising your deductible

The deductible is the amount you pay out of pocket before your insurance kicks in. Raising your deductible can lower your monthly premium, but make sure you can afford to pay the higher deductible if you get in an accident.

3. Look for discounts

Most car insurance companies offer discounts for things like safe driving, multiple policies, and anti-theft devices. Be sure to ask about any discounts that may apply to you.

4. Bundle your policies

If you have other insurance policies, like homeowners or renters insurance, consider bundling them with your car insurance policy. This can often result in a lower overall premium.

5. Drive a car that’s cheaper to insure

Certain cars are more expensive to insure than others. Before you buy a new car, research its insurance costs to make sure it fits your budget.

FAQs About Car Insurance in Florida

What is the minimum car insurance coverage required in Florida?

In Florida, drivers are required to have at least $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL) coverage.

Is it legal to drive without car insurance in Florida?

No, it is illegal to drive without car insurance in Florida. Drivers who are caught driving without insurance may face fines and other penalties.

Do I need uninsured motorist coverage in Florida?

While uninsured motorist coverage is not required in Florida, it can be a wise investment. This coverage can provide compensation if you are hit by a driver who doesn’t have insurance or doesn’t have enough insurance to cover your damages.

Can car insurance companies in Florida raise my rates after an accident?

Yes, car insurance companies in Florida can raise your rates after an accident, especially if you were at fault. However, some insurers offer accident forgiveness programs that may prevent your rates from going up after your first accident.

What should I do if I can’t afford car insurance in Florida?

If you can’t afford car insurance in Florida, you may be eligible for assistance through the state’s Low-Income Home Energy Assistance Program (LIHEAP). Contact your local LIHEAP agency for more information.


Getting affordable car insurance in Florida is possible with some smart shopping and research. Consider factors like your driving record, car make and model, and location when shopping around for car insurance. Be sure to compare rates from multiple insurers and look for discounts and other ways to save. And remember, it’s important to have car insurance to protect yourself and others on the road.