Question 1

What is the cheapest car insurance in Florida?

Accepted Answer

There's no single 'cheapest carrier' — it depends on your ZIP, vehicle, age, driving record, and credit. In our match pool, GEICO, Progressive, Mercury, and State Farm typically come in cheapest for clean-record drivers; Direct Auto, The General, Dairyland, and Bristol West tend to win for high-risk drivers (DUI, lapses, multiple tickets). Quoting all 12+ at once is the only way to find your real cheapest.

Question 2

What's the minimum car insurance required in Florida?

Accepted Answer

Florida requires $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). FL is unique — it does NOT require Bodily Injury liability for most drivers (only for drivers with certain prior violations or commercial use). This is one of the cheapest minimum-coverage states in the US, but most experts recommend going above the minimum.

Question 3

How much does car insurance cost in Florida?

Accepted Answer

Florida is consistently ranked one of the top 3 most-expensive states for auto insurance. Statewide average for full coverage is approximately $3,200–$3,500/yr; liability-only averages $1,200–$1,400/yr. Miami, Hialeah, and Fort Lauderdale run 30–50% above state average; Tallahassee, Gainesville, and Pensacola run 25–35% below.

Question 4

Why is Florida car insurance so expensive?

Accepted Answer

Five drivers: (1) high uninsured-motorist rate (~20%, top 3 in US); (2) heavy population density and tourist traffic; (3) hurricane comprehensive claims; (4) PIP/no-fault fraud rings; (5) high litigation rate. State legislation (HB 837 in 2023) has started addressing rate pressure, but improvements are slow.

Question 5

What is an SR-22 in Florida?

Accepted Answer

Florida actually doesn't use SR-22s for most situations — the state uses the FR-44 form for DUI, alcohol-related, and other serious offenses (FR-44 requires 100/300/50 minimum liability). SR-22 is used for some other suspensions. Either form is filed by your insurance carrier with the FL DHSMV to prove you carry the required minimum coverage.

Question 6

What's the difference between SR-22 and FR-44 in Florida?

Accepted Answer

Both are state-mandated proof-of-insurance filings. SR-22 covers the minimum FL liability ($10K/$10K). FR-44 — used for DUI / alcohol-related convictions — requires 100/300/50 limits (100K bodily injury per person, 300K per accident, 50K property damage). FR-44 premiums are typically 60–100% higher than SR-22.

Question 7

How long do I need to carry an SR-22 / FR-44 in Florida?

Accepted Answer

Standard FL DHSMV requirement is 3 years from the date your license is reinstated. The filing must remain continuous — any lapse restarts the clock. Most carriers charge $15–$25 to file the form on top of your premium.

Question 8

Can I get car insurance after a DUI in Florida?

Accepted Answer

Yes — but standard carriers usually non-renew DUI drivers. You'll need a non-standard carrier (Direct Auto, The General, Dairyland, Bristol West, Infinity) and an FR-44 filing with 100/300/50 limits. Expect rates 60–100% above your pre-DUI premium for 3 years, then they reduce as the conviction ages off.

Question 9

How fast can I get insurance and proof of coverage?

Accepted Answer

Same day — most of the time within the hour. After you submit our quote form, a licensed FL agent calls/emails you with bindable quotes. Once you accept, you receive a digital ID card immediately. Same-day SR-22 / FR-44 filing with the FL DHSMV is standard with our partner carriers.

Question 10

Will my insurance lapse if I miss a payment?

Accepted Answer

FL carriers typically allow a 10-day grace period before non-renewing for non-payment, but they can cancel sooner with proper notice. If your policy lapses — even for one day — FL DHSMV can suspend your registration and require a $150–$500 reinstatement fee plus proof of new coverage.

Cheap Car Insurance for College Students in Florida

FL monthly premium — by carrier

Insurance for college students (uf, fsu, usf, fau, fiu, ucf) in Florida

Students drivers — what FL city are you in?

FAQs

Get cheap students quotes now.