Compare and save on car insurance in Florida
Find affordable car insurance rates in Florida from top providers. Compare quotes in minutes and choose coverage that fits your budget and California driving needs
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Find coverage across Florida and nearby areas — Miami, Fort Lauderdale, Tampa, Orlando, Jacksonville, and more. Compare top providers like GEICO, Progressive, State Farm, Allstate, Liberty Mutual, and others.
You’re not married to your car insurance
Most of us stick with the same auto insurance for years without thinking twice. But over time, rates can go up, even if nothing has changed about your driving.
If you’ve been with the same insurer for more than two years, there’s a good chance you could get a better price. In Florida, where car insurance rates rank among the highest in The United States, switching could save you hundreds a year.
You’re not in a lifelong commitment with your insurance company, and it’s easy to find out if the 2-year rule applies to you.
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Do I need car insurance in Florida? Here’s what every driver should know
The short answer? Absolutely.
In Florida, all drivers are legally required to carry car insurance. Minimum liability coverage is mandatory statewide, but many drivers choose full coverage for extra protection on busy highways like I-95, I-4, or the Florida Turnpike.
How to save on car insurance
Looking for ways to save? Your car insurance may be one of the easiest ways to put money back in your pocket. With premiums on the rise, comparing rates online has become one of the most effective ways to lower your costs without compromising coverage. Whether you're a new driver or just shopping for a better deal, here are five proven strategies to help you reduce your auto insurance premiums.
1. Compare auto insurance rates from multiple providers
The quickest and most effective way to save on car insurance is by comparing quotes online. Rates in Florida can vary significantly by location, from Miami to Orlando or Tampa, even for the same level of coverage. Using a third-party auto insurance comparison tool allows you to find better rates in minutes, without jumping between multiple insurer websites or filling out the same information repeatedly.
2. Bundle your auto insurance with other policies
Many insurance providers offer discounts when you bundle your car insurance with home, renters, or life insurance. Our comparison tool will show you which insurers offer multi-policy discounts so you can maximize savings. Florida insurers often give multi-policy discounts.
3. Increase your deductible (if you can afford it)
Raising your deductible—the amount you pay out of pocket before insurance kicks in—can significantly lower your monthly premiums. Just make sure you can comfortably afford the higher deductible if an accident happens, which is especially important in Florida, where heavy traffic, frequent storms, and high accident rates can increase the likelihood of filing a claim.
4. Maintain a clean driving record
Drivers with no accidents or traffic violations are rewarded with lower car insurance rates. Some insurers even offer safe driving discounts if you install a telematics device. Use our comparison tool to find providers that reward good driving behavior.
5. Review your coverage annually
As your life changes, so should your insurance. Whether you've paid off your car, moved to a new zip code, or drive less than before—these changes could qualify you for lower rates. It’s important to review new quotes each year and make sure you're not overpaying. New regulations in California can affect your coverage.
Car insurance is legally required in Florida
In Florida, liability insurance is required for all drivers. Penalties for driving uninsured can be severe, including fines, license suspension, vehicle impoundment, and reinstatement fees.
Florida law requires minimum liability coverage, which helps pay for injuries or property damage you cause to others in an accident. Driving without insurance can quickly lead to serious financial and legal consequences.
When you compare auto insurance quotes online, it’s easier to make sure the policy you choose meets Florida’s legal requirements while also finding the best value for your situation—especially in a state where rates can vary significantly by city and ZIP code.
Be protected financially from high out-of-pocket costs
At Finhabits, our goal is to help you manage, protect, and grow your personal wealth. That means accounting for unexpected circumstances, from market fluctuations to inflation to even car accidents. Accidents happen—even to safe drivers. Without insurance, you could be on the hook for thousands of dollars in medical bills, repairs, or legal fees. Car insurance helps cover those unexpected costs, saving you from financial stress or even bankruptcy.
Compare quotes from top providers
and get peace of mind knowing your car is protected from life’s unexpected events.
Financing or leasing your car? You need auto insurance.
Most of us don’t have the means to pay full price in cash for our auto purchases. If you’re financing or leasing your vehicle, your lender will require full coverage auto insurance. This typically includes collision and comprehensive coverage, which protects the vehicle itself. Skipping insurance could violate your loan agreement, and in some cases, the lender might add costly coverage on your behalf.
If you’re financing or leasing a car in Los Angeles, lenders will require full coverage insurance. This protects your vehicle against accidents, theft, or damage in one of the busiest driving environments in the country.
More than just accidents
Auto insurance doesn’t just protect you after a crash. It can also help cover the cost of repairs from vandalism, theft, natural disasters, or hitting an animal. Some policies include roadside assistance or rental reimbursement, offering peace of mind for life’s little curveballs.
Use our trusted auto insurance comparison tool to explore rates from multiple top-rated providers. You could find better coverage at a lower price in just a few minutes—no phone calls or paperwork required.
Why choose Finhabits?
Finhabits helps Florida drivers find affordable car insurance with no hidden fees. Whether you commute daily on I-95, I-4, or US-1, or only drive on weekends, we compare rates so you can get coverage that fits your lifestyle and budget.
At Finhabits, we believe smart financial decisions start with the everyday choices you make—including how you insure your car. Protecting your vehicle isn’t just about peace of mind; it’s about taking care of one of your most important assets. And when you can save on insurance while doing it, that’s a win for your wallet too. We’re here to help you drive with confidence across Florida while building a stronger financial future.
Compare quotes from top insurers in seconds
Personalized recommendations based on your profile
Compare quotes from top insurers in seconds
Personalized recommendations based on your profile
Frequently Asked Questions
What is the minimum car insurance required in Florida?
Florida is a no-fault state and requires $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). Bodily injury liability is only required if you’ve been involved in certain accidents or violations.
How much is car insurance in Florida?
On average, Florida drivers pay higher-than-statewide premiums due to traffic, theft rates, and accident density. Comparing quotes is the fastest way to lower your costs.
Is full coverage recommended in Florida?
Yes, especially if you drive frequently in high-traffic areas or finance your vehicle. Full coverage protects against theft, accidents, and natural disasters.
Can I get cheap car insurance in Florida with a clean record?
Absolutely. Insurers reward safe drivers, and in Florida, discounts can make a big difference in lowering rates.