Florida Car Insurance
Auto Insurance Quotes in Florida
Are you looking for an affordable car insurance quote in Florida? Maybe you've been a resident of the Sunshine State for a while and are simply looking for a better or more affordable auto policy. Every driver in Florida needs auto insurance coverage. See why millions of policyholders trust GEICO to provide exceptional car insurance in Florida, from liability protection to comprehensive coverage.
If you're buying a new car, comparing car insurance quotes, or looking to switch auto insurance providers, GEICO has the information you need to make an informed decision. Switching auto insurance providers doesn’t have to be complicated. GEICO makes it simple to compare coverage options and to get a free Florida car insurance quote online.
Florida Car Insurance Requirements
Drivers need to make sure they have the auto insurance coverages required by the state of Florida to legally operate a motor vehicle:
| Coverage Type | Florida Requirements |
| Bodily Injury Coverage | $10,000 per person and $20,000 per accident* |
| Property Damage Coverage | $10,000 per accident |
| Uninsured Motorist Coverage | $10,000 per person and $20,000 per accident* |
| Personal Injury Protection | $10,000 |
These are the minimum Florida car insurance coverage requirements, but you should choose the coverage you need when getting an auto quote. If you need help determining how much coverage you need you can use our Coverage Calculator.
*Please note bodily injury liability and uninsured motorist coverages may be waived. Although bodily injury is not a required coverage in Florida, failure to have this coverage in place at the time of an accident that results in bodily injury or property damage, will result in state mandated requirement of bodily injury coverage for the next 3 years.
What is the best car insurance in Florida?
Finding the best car insurance in Florida is about more than just a low price—it's about getting the right coverage. GEICO makes this easy by offering a variety of personalized options to meet your unique needs. Whether it's selecting a deductible that works for your budget or taking advantage of exclusive discounts tailored to your lifestyle.
GEICO gives you the tools and flexibility to create a policy that fits you perfectly. With GEICO, you can make confident, informed decisions about your car insurance and enjoy peace of mind on every drive.
What factors impact car insurance rates in Florida?
Car insurance rates in Florida can be influenced by a variety of factors, including individual circumstances and external variables. These elements can play a significant role in determining the cost of auto insurance for residents, often resulting in a wide range of premium prices. Let’s take a closer look at each factor:
The year, make, and model of your vehicle
More expensive cars may lead to higher premiums due to increased repair and replacement costs, while older, less valuable vehicles may come with lower insurance costs due to factors such as depreciation. However, the safety features and theft rates associated with specific makes and models also have significant influence on your insurance rates.
Since each of these factors impact your premium, it's important to quote vehicle changes to your policy when car shopping to best understand how a specific vehicle may increase or decrease your rates.
Your driving habits and annual mileage
More time on the road or a history of accidents and violations can lead to higher premiums because they indicate a higher risk of potential claims. With car insurance in Florida, being a safe driver pays off.
Where you live in Florida
Insurance companies analyze the frequency of accidents, thefts, vandalism, and other risks associated with different areas, and adjust premiums accordingly. Living in an area with a higher number of claims or auto-related incidents can lead to higher car insurance rates, while residing in neighborhoods with fewer car-related incidents may result in lower premiums.
Auto discounts that you may be eligible for
Discounts, such as safe driver discounts, bundling, and multi-policy discounts, can help lower your premiums in Florida, making car insurance more affordable.
Florida Car Insurance Discounts
Drivers in the Sunshine State are looking for car insurance that delivers exceptional service along with great value. Discounts on auto premiums available in the state of Florida include:
- Defensive Driving Discount (age restrictions apply): You may qualify for a discount if you've completed a defensive driving course within the last 3 years.
- Multi-Policy Discount : Save on your car insurance when you bundle your auto policy with your home, renters, cycle or RV insurance.
- DriveEasy Discount : You could enjoy a discount on car insurance by enrolling in GEICO's DriveEasy program and practicing safe driving habits.
- Multi-Vehicle Discount: Save on car insurance when you insure more than one car with GEICO.
- Clean Driving Record Discount: You may qualify for a discount if you maintain a clean driving record over a specified period.
- Auto Pay Discount: You could receive a discount by enrolling in automatic payments.
- Early Shopper Discount: You may qualify for a discount if you get a quote before your current policy expires.
- Paperless Discount: Save when you choose to receive policy documents electronically.
- Homeownership Discount: You may be eligible for a discount simply by owning a home, even if your home is not insured with GEICO.
- Internet Quote Discount: You could qualify for a discount by getting your auto insurance quote online.
Check our car insurance discounts page to learn more about the discounts that are available to eligible GEICO policyholders.
Is Florida a No-Fault State?
Yes, Florida is a no-fault car insurance state. This means that after most car accidents, drivers turn to their own insurance coverage—regardless of who caused the accident—to help pay for medical expenses.
Because Florida follows a no-fault system, drivers are required to carry Personal Injury Protection (PIP) coverage. PIP helps cover medical bills and certain related expenses after an accident, no matter who is at fault.
Being a no-fault state does not mean drivers can never be held legally responsible for injuries they cause. In serious accidents that meet certain legal thresholds, injured parties may still pursue claims outside of the no-fault system.
Learn more about Florida auto insurance requirements.
Benefits of Choosing GEICO for Your Florida Car Insurance Coverage
GEICO has been providing reliable car insurance to drivers since 1936. When Florida drivers choose GEICO, they have access to:
- Online and mobile self-service tools, available anytime
- The Award-Winning GEICO Mobile App
- Exclusive discounts
- Fast, easy claims processing
- And more!
Florida Auto Insurance Agents
GEICO has experienced insurance agents in offices across Florida who are ready to help you. We can answer questions you have about your car insurance in Florida. Dedicated agents you can speak with in-person or over-the-phone, along with access to online and mobile claims self-service tools, and our optional Emergency Roadside Service, are just a few reasons our Florida drivers switch to GEICO.
Learn more about our Florida insurance agents.
