Florida Car Insurance Rates by ZIP Code and City | CarInsurance.com
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Florida

Florida Car Insurance Rates


Where you live in Florida matters a lot. State car insurance rates depend greatly on your ZIP code. Large-scale fraud has sent rates around Miami and Tampa soaring, while more rural areas see car insurance rates only half as large. You can see a map of sample car insurance rates for every city in Florida below.

Florida car insurance requirements

Florida state law requires the following minimum car insurance coverage:
Minimum property damage liability $10,000
Personal injury protection $10,000
*Bodily injury liability not required by state; many carriers require $10,000/$20,000

Florida Car Insurance Rates by ZIP Code & City

To learn more about the most and least expensive cities for car insurance, click the link below.
Top Cities
Car insurance rate comparison >
Priciest Neighborhoods
In Florida
  • 33135: $2,632
    MIAMI
  • 33147: $2,588
    MIAMI
  • 33013: $2,586
    HIALEAH
  • 33130: $2,526
    MIAMI
 
Cheapest Neighborhoods
In Florida
  • 32669: $1,039
    NEWBERRY-ARCHER
  • 32608: $1,043
    GAINESVILLE
  • 32603: $1,043
    GAINESVILLE
  • 32653: $1,043
    HIGH SPRINGS-ALACHUA


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What you need to know about car insurance in Florida

Penny Gusner
CarInsurance.com
Consumer Analyst

Currently, Florida has the lowest car insurance requirements of any state.

To register a car you must have a Florida-based car insurance policy covering $10,000 in property damage liability and $10,000 in personal injury protection (PIP). We strongly recommended that you also purchase bodily injury liability coverage. While not required by the state, many car insurance companies require it as part of any policy they issue in Florida.

Here's why: Florida is a no-fault state. Treatment for any injuries you suffer is covered by your personal injury protection, up to its limit, regardless of who caused the accident. If bills exceed that limit, the at-fault driver is legally personally responsible unless he or she has bought bodily injury liability coverage.

What's worse, even though bodily injury liability isn't mandated by the state to register a car, Florida's Financial Responsibility Law could force you to buy it after a serious accident or traffic violation.

If you buy bodily injury liability coverage, the smallest amount you can buy is $10,000 per person (up to $20,000 per accident). Homeowners and those with substantial assets need more than that.

Hurricane warning: Hurricanes and tropical storms threaten Florida each year. Comprehensive coverage will repair the damage to your vehicle -- but you can't wait too long to buy it. Make sure to get the coverage in effect before a storm warning is issued.

No-deductible windshield repair or replacement: In an effort to get drivers to repair cracked or damaged windshields, Florida state law says that your comprehensive coverage deductible isn't applicable for damage to the windshield.

Snowbirds: If a vehicle is in Florida for more than 90 days during a 365-day period (the days do not have to be consecutive) you must purchase PIP and property damage liability limits of at least the state minimum limits. See "Car insurance for snowbirds" for more information.

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