Florida car insurance
Getting car insurance in Florida
The southeastern most state in the United States, Florida is known as much for its beautiful weather as it is for its vacation destinations and theme parks. The Sunshine State has earned its nickname. It's the third most populous state in the country and home to multiple cities with more than 1 million people, including Miami , Orlando, Jacksonville and Tampa. In addition to plenty of warm weather, Florida is home to multiple professional sports teams, the Florida Keys and Everglades. The state is bordered by the Atlantic Ocean, Caribbean Sea and Gulf of Mexico. Getting around the state is easy, thanks to Interstates 75, 95, 4, 10 and 275.
How to save on car insurance in Florida
Protect your ride and your wallet with Allstate's simple and personalized car insurance.
- Switch and save $900
Put money back in your wallet when you move your auto policy to Allstate1. - Save more than ever with Drivewise®
Connect your driving data to save up to 30% with your everyday safe driving. The safer you drive, the less you'll pay2. - Save 25% with multiple cars
More cars = more savings! Put money back in your wallet when you insure more than one car with Allstate3.
What car insurance discounts can I get in Florida?
When you get a free quote from Allstate, you may be eligible for discounts that could help you save. Some available discounts can include:
- Anti-theft device
- Defensive driver
- Good student
- Student away at school
- Safe driver
Review the different types of car insurance discounts tailored to you and enjoy savings without cutting coverage.
What is the minimum required coverage in Florida?
| Coverage type | State requirements |
|---|---|
| Bodily injury liability Helps cover expenses related to the injury or death of another driver or a pedestrian when an accident is your fault. |
Not required |
| Property damage liability Helps cover expenses related to the damage of another person's property — like vehicles, homes, buildings and other structures — when an accident is your fault. |
$10,000 limit |
| Uninsured motorist Helps cover medical expenses if you're in an accident, the other driver is at fault and doesn't have any insurance. |
Not required |
| Underinsured motorist Helps cover medical expenses if you're in an accident, the other driver is at fault and doesn't have enough insurance. |
Not required |
| Property damage liability If you and/or your passengers are hurt in an accident, this helps cover your medical or funeral expenses. |
Not required |
| Collision Helps cover expenses to repair or replace your vehicle that's been damaged in an accident. |
Not required* |
| Comprehensive Helps cover expenses to repair or replace your vehicle that's been stolen or damaged by things like storms or vandalism. |
Not required* |
State chart requirements provided for informational purposes only. State minimums and required coverages vary by state and may change from time to time. Check with your state for up-to-date information or if you have questions about current state minimums.
*Although Florida law does not require drivers to carry this coverage, it may be required by your lender if you are leasing or financing your vehicle.
Is Florida a no-fault state for car insurance?
Yes, Florida is a no-fault state for car insurance. This means all drivers are required to have Personal Injury Protection (PIP) attached to their policies for covered claims. PIP covers any damages a driver incurs from an accident, including medical expenses and lost wages up to policy limits, regardless of who is at fault.
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Other types of car insurance coverage in Florida
Allstate also offers these types of coverages:
- Roadside assistance (e.g., towing, flat tires, jump-starts, lockouts)
- Insurance for rideshare drivers
- Insurance for electric cars/EVs
- Rental car reimbursement
Learn about these and other car insurance coverage types available.
How much does car insurance in Florida cost?
The price of your insurance will depend on the coverages, limits and deductibles that you select, as well as:
- The type of car you're insuring (year, make, model)
- Your driving habits and annual mileage
- Demographic factors, like ZIP code
- Any discounts you may qualify for
Learn more about these factors that could impact your car insurance premium and get a free quote online to see how much car insurance would cost for you.
Can you use electronic proof of insurance in Florida?
Yes, you are allowed to show an electronic copy of your insurance card on your mobile device in Florida if you get stopped by the police.
You can use the Allstate® app for iPhone® and Android® to access your digital ID card.