Florida Auto Insurance [Rates + Cheap Coverage Guide]

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Florida SummaryStats
Road MilesTotal Miles in State: 122,391
Vehicle Miles Driven: 201.04 Billion
Driving DeathsSpeeding: 299

Drunk-Driving: 839
VehiclesRegistered: 14,946,691
Stolen: 42,579
Most Popular VehicleToyota Corolla
Average PremiumsLiability: $857.64
Collision: $282.96
Comprehensive: $116.53
Combined Premiums: $1,257.13
Percent of Motorists Uninsured26.70%
State Rank: 1 (Most Uninsured)

Known as the Sunshine State, Florida is the best place to go if you’re looking to get some good R&R. What you might not expect to have to worry about while soaking up some rays, is your car insurance. Who wants to worry over their car insurance needs when you could be enjoying yourself on one of Florida’s many beaches or parks?

In this guide, we will cover everything you’ll need to know to arm you with the knowledge you’ll need to select the optimal car insurance coverage for yourself.

Want to get started with comparing your rates? Use our FREE online tool above to start comparing today.

Table of Contents

Florida Car Insurance Coverage and Rates

The first thing most people want to know when they’re looking for car insurance? How much is it gonna cost, and what am I getting out of it? Both extremely valuable questions that we want to help you answer.

Here, we will discuss all the different factors of insurance coverage such as the minimum coverage, proof of insurance, core coverage, and even the different rates you can expect to find.

The chart below displays the average Floridian is paying for their car insurance compared to the national average.

On average, Florida is paying MORE than the national average. Keep reading below to find out why.

– Florida Minimum Coverage

In order to legally drive in the state of Florida, or any state in the United States for that matter, it is required that you meet the minimum coverage. What does this mean? The minimum coverage for car insurance is the lowest amount you can legally have in order to drive. No matter what.

Florida is what’s known as a no-fault state. This means that if you’re ever in a car accident, your insurance provider is the one (as well as anyone who is under your policy) who pays for your medical expenses and financial losses, no matter who was the one who caused the accident.

What does this mean for you? According to the Insurance Information Institute (III), the minimum coverage that is required for Florida citizens is as follows:

  • 10 = $10,000 for the payment of bodily injuries
  • 20 = $20,000 for the payment of bodily injuries to MULTIPLE people
  • 10 = $10,000 for the payment of property damage

– Forms of Financial Responsibility

As it is a requirement to have car insurance for your vehicle, you will need to be able to have some sort of proof of this, known as a form of financial responsibility (also commonly known as proof of insurance).

There are several instances in which you might be required to provide this, such as an accident or if you are pulled over by a law enforcement officer.

So what exactly do you need to have that is valid for this? Any of the below forms of financial responsibility are acceptable:

  • Insurance ID Card
  • Copy of Insurance ID Card
  • Copy of Insurance Policy

In addition to the above, according to Allstate, electronic proof of insurance is a valid form of financial responsibility in Florida. Meaning that if you have the app for your insurance provider that has your insurance ID, this is considered an acceptable form of financial responsibility.

– Premiums as a Percentage of Income

Have you ever heard of the term ‘per capita disposable income’? It means the average amount of money that you make after taxes are taken out.

So let’s say that you make $50,000 per year, and after taxes, you are left with $45,000. That $45,000 is considered your per capita disposable income. Check out the chart below to see the average annual per capita disposable income in Florida from 2012 to 2014.

 Full Coverage
Cost
Disposable
Income
Insurance as %
of Income
2012$1,196.57$37,195.003.22%
2013$1,209.70$36,606.003.30%
2014$1,208.77$38,350.003.15%

So you can see that in 2014, the annual per capita disposable income for the average Floridian was $38,350. Of this, the average insurance premiums for this same year was $1,208.77. On average, this means that Florida car insurance takes up about 3.15 percent of your overall disposable income.

Use the calculator below to find out what your average premium would be by your own income.

CalculatorPro

– Core Coverage

We’ve gone through and collected all of the average costs for each type of core coverage type from 2015, according to the National Association of Insurance Commissioners.

Coverage TypeAverage Annual Costs (2015)
Liability$857.64
Collision$282.96
Comprehensive$116.53
Combined$1,257.13

– Additional Liability

As we mentioned previously, Florida is a no-fault state, meaning that Med Pay, Uninsured/Underinsured Motorist Coverage are all optional. However, considering that in 2015, 26.7 percent of all motorists in Florida didn’t have car insurance, this puts you at risk should you ever find yourself in a car accident.

Florida is ranked as number one in the United States for uninsured drivers!

Because of this, it is definitely advisable to get these coverage types on your policy, you may just thank yourself in the future for it!

Loss Ratio201220132014
Personal Injury Protection (PIP)75%62%76%
Medical Payments (MedPay)74%72.5%81%
Uninsured/Underinsured Motorist Coverage (UUM)73%80%86%

In the table above, we’ve listed the loss ratios for the liability insurance categories listed above. What in the world is a loss ratio, and why should you worry about it?

A loss ratio works as a gauge that will tell you the financial health of an insurance company. Loss ratios are the costs paid out for claims as compared to the costs of premiums taken in from customers.

So, for instance, if a provider has to pay out $75 for a claim, but takes in $100 for a premium, their loss ratio would be 75:100 or 75 percent. The other 25 percent difference goes to paying overhead.

So, looking at the table above, you can see that all of the loss ratios are within a 60 to 80 percent region. This is relatively good, as you want a company to have a loss ratio that is high, but not too high.

Why? If a company has a loss ratio that is too high, over 100 percent, it means that they are paying out too much in claims. This puts the company at risk of going bankrupt.

Reversely, you don’t want a company that isn’t paying enough for their claims either. It’s all about balance. You want to be right in the middle!

– Add-Ons, Endorsements, and Riders

One of the first goals that most car insurance buyers are looking for is to get affordable coverage with complete coverage.

There are several, and very valuable, coverage options that are available to Florida citizen. Click on any of the additional coverage options to learn more:

Definitely consider adding one (or more) of these coverage options to your policy.

– Demographic Rates

Did you know that your gender and age can play a factor in what your insurance will be? That’s right, whether you are a male or female can determine exactly what you’re going to pay for your car insurance.

CompanyMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old maleSingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 25-year old male
Allstate F&C$4,653.38$4,423.29$4,040.00$4,089.70$15,905.72$17,179.33$4,592.92$4,639.32
Geico General$2,986.89$3,001.17$2,793.99$2,793.99$5,342.74$6,713.47$3,292.51$3,344.27
Liberty Mutual Ins Co$3,711.14$3,711.14$3,398.94$3,398.94$7,859.88$12,116.72$3,711.14$5,037.27
Allied P&C$3,039.80$3,000.81$2,710.48$2,806.30$7,314.60$9,013.69$3,347.30$3,483.83
Progressive Select$3,736.10$3,523.35$3,200.74$3,428.17$10,512.83$11,453.56$4,508.82$4,302.83
State Farm Mutual Auto$2,158.99$2,158.99$1,954.51$1,954.51$6,166.09$7,832.79$2,399.41$2,556.07
USAA$1,646.31$1,619.33$1,536.18$1,525.12$5,638.10$6,551.72$2,060.09$2,226.40

You can see in the table able that for older married women, they are typically paying slightly more for their car insurance. Meanwhile, male teenagers and 25-year-old men are paying more than their female counterparts. Proving that the misconception that men tend to pay more for their car insurance isn’t always true.

– Rates by Zip Code and City

Want to know exactly what the average rate for city and zip code are? Check out the table below to find out!

CityZip CodeAverage
MIAMI32003$4,195.73
MIAMI32007$4,077.98
MIAMI32008$3,713.48
MIAMI32009$4,061.05
MIAMI32011$4,120.94
MIAMI32024$3,826.13
MIAMI32025$3,868.18
HIALEAH32030$4,207.37
MIAMI32033$3,836.69
MIAMI32034$4,108.56
HIALEAH32038$3,803.26
MIAMI32040$4,089.95
HIALEAH32042$4,523.13
MIAMI32043$4,126.30
MIAMI32044$3,965.69
MIAMI32046$4,062.90
MIAMI32052$3,775.04
MIAMI32053$3,726.17
MIAMI32054$3,910.22
MIAMI32055$3,840.06
OPA LOCKA32058$3,995.84
MIAMI32059$3,727.51
HIALEAH32060$3,723.18
MIAMI32061$3,871.34
MIAMI32062$3,717.73
MIAMI32063$4,126.59
MIAMI32064$3,723.18
HIALEAH32065$4,195.73
HOMESTEAD32066$3,747.46
MIAMI32068$4,195.73
MIAMI32071$3,713.48
MIAMI32072$4,527.98
TAMPA32073$4,248.62
MIAMI32080$3,855.03
MIAMI32081$3,873.37
TAMPA32082$3,916.43
MIAMI32083$3,993.09
HOMESTEAD32084$3,858.80
MIAMI32086$3,840.45
MIAMI32087$4,059.80
TAMPA32091$3,995.84
MIAMI32092$3,858.80
MIAMI32094$3,750.24
OPA LOCKA32095$3,858.80
OPA LOCKA32096$3,769.59
HIALEAH32097$4,113.81
HOMESTEAD32099$4,494.42
HOMESTEAD32102$3,837.18
HOMESTEAD32105$4,013.60
MIAMI32110$3,919.81
MIAMI32111$3,828.05
HOMESTEAD32112$3,978.67
TAMPA32113$3,752.97
TAMPA32114$4,031.15
HIALEAH32117$4,031.15
MIAMI32118$4,037.60
TAMPA32119$3,943.69
MIAMI32124$3,970.69
TAMPA32127$3,962.36
HOMESTEAD32128$3,955.91
MIAMI32129$3,955.91
MIAMI32130$4,073.57
MIAMI32131$3,996.97
MIAMI32132$3,942.87
MIAMI32133$3,752.97
TAMPA32134$3,808.63
TAMPA32136$3,919.81
MIAMI32137$3,919.81
MIAMI32138$3,978.67
KEY BISCAYNE32139$3,978.67
MIAMI32140$3,929.81
TAMPA32141$3,997.24
MIAMI32143$3,958.88
MIAMI32145$3,865.58
MIAMI32147$3,978.67
MIAMI BEACH32148$3,978.67
MIAMI32157$3,978.67
NORTH MIAMI BEACH32159$3,710.73
MIAMI32160$3,959.78
MIAMI32162$3,698.88
TAMPA32163$3,858.02
TAMPA32164$3,919.81
HALLANDALE32168$3,962.36
MIAMI32169$3,942.87
MIAMI32174$3,970.69
MIAMI32176$4,031.15
MIAMI32177$4,077.98
LAKE WORTH32179$3,752.97
DANIA32180$3,977.67
HOLLYWOOD32181$3,978.67
MIAMI32182$3,752.97
MIAMI BEACH32185$3,978.67
MIAMI32187$3,996.97
HOLLYWOOD32189$3,978.67
FORT LAUDERDALE32190$3,959.37
MIAMI BEACH32192$3,752.97
LAKE WORTH32193$3,978.67
LAKE WORTH32195$3,817.86
LAKE WORTH32202$4,540.13
WEST PALM BEACH32204$4,551.79
WEST PALM BEACH32205$4,688.66
FORT LAUDERDALE32206$4,548.58
WEST PALM BEACH32207$4,659.87
WEST PALM BEACH32208$4,637.20
TAMPA32209$4,548.58
TAMPA32210$4,655.01
HOLLYWOOD32211$4,646.26
TAMPA32212$4,489.16
MIAMI BEACH32216$4,404.35
PALM BEACH32217$4,428.97
FORT LAUDERDALE32218$4,539.33
FORT LAUDERDALE32219$4,539.33
FORT LAUDERDALE32220$4,494.42
DELRAY BEACH32221$4,494.42
FORT LAUDERDALE32222$4,493.80
TAMPA32223$4,297.99
TAMPA32224$4,297.99
BOYNTON BEACH32225$4,333.47
BOYNTON BEACH32226$4,424.47
LAKE WORTH32227$4,297.99
POMPANO BEACH32233$4,297.99
DELRAY BEACH32234$4,336.33
POMPANO BEACH32244$4,547.56
WEST PALM BEACH32246$4,333.47
WEST PALM BEACH32250$4,297.99
WEST PALM BEACH32254$4,547.34
WEST PALM BEACH32256$4,297.99
TAMPA32257$4,428.97
DELRAY BEACH32258$4,297.99
DELRAY BEACH32259$3,857.32
BOYNTON BEACH32266$4,295.77
BOYNTON BEACH32277$4,509.06
LAKE WORTH32301$3,930.22
POMPANO BEACH32303$3,930.22
DELRAY BEACH32304$3,930.22
HOLLYWOOD32305$3,978.28
BOYNTON BEACH32306$3,930.22
BOYNTON BEACH32307$3,930.22
FORT LAUDERDALE32308$3,930.22
WEST PALM BEACH32309$3,930.22
WEST PALM BEACH32310$3,930.22
FORT LAUDERDALE32311$3,930.22
FORT LAUDERDALE32312$3,930.22
POMPANO BEACH32313$3,930.22
DEERFIELD BEACH32317$3,930.22
POMPANO BEACH32320$3,855.07
POMPANO BEACH32321$3,841.94
BOCA RATON32322$3,857.79
BOCA RATON32323$3,857.79
WEST PALM BEACH32324$3,787.33
WELLINGTON32327$3,799.48
POMPANO BEACH32328$3,857.79
POMPANO BEACH32330$3,773.68
TAMPA32331$3,646.33
TAMPA32332$3,787.33
TAMPA32333$3,773.68
HOLLYWOOD32334$3,841.94
MIAMI BEACH32335$4,384.55
POMPANO BEACH32336$3,845.52
TAMPA32337$3,868.15
BOCA RATON32340$3,727.51
BOCA RATON32343$3,773.68
BOCA RATON32344$3,845.52
BOCA RATON32346$3,799.48
BOCA RATON32347$3,702.07
DEERFIELD BEACH32348$3,702.07
FORT LAUDERDALE32350$3,727.51
BRANDON32351$3,773.68
POMPANO BEACH32352$3,787.33
POMPANO BEACH32355$3,799.48
BOCA RATON32356$3,716.93
POMPANO BEACH32357$3,702.07
FORT LAUDERDALE32358$3,799.48
BOCA RATON32359$3,700.56
TAMPA32360$4,384.55
FORT LAUDERDALE32401$3,773.01
HOLLYWOOD32403$3,779.37
FORT LAUDERDALE32404$3,773.01
FORT LAUDERDALE32405$3,773.01
FORT LAUDERDALE32407$3,773.01
FORT LAUDERDALE32408$3,773.01
FORT LAUDERDALE32409$3,773.01
FORT LAUDERDALE32410$3,773.01
FORT LAUDERDALE32413$3,773.01
FORT LAUDERDALE32420$3,732.83
FORT LAUDERDALE32421$3,882.41
FORT LAUDERDALE32422$3,684.30
TAMPA32423$3,740.42
FORT LAUDERDALE32424$3,889.99
FORT LAUDERDALE32425$3,761.04
HOLLYWOOD32426$3,740.42
TAMPA32427$3,719.90
FORT LAUDERDALE32428$3,726.32
FORT LAUDERDALE32430$3,874.81
HOLLYWOOD32431$3,740.42
FORT LAUDERDALE32433$3,684.30
RIVERVIEW32434$3,684.30
HOLLYWOOD32435$3,684.30
FORT LAUDERDALE32437$3,707.52
FORT LAUDERDALE32438$3,784.04
TAMPA32439$3,678.84
HOLLYWOOD32440$3,767.46
DURANT32442$3,740.42
SYDNEY32443$3,740.42
SUN CITY32444$3,773.01
WEST PALM BEACH32445$3,740.42
BRANDON32446$3,740.42
LUTZ32448$3,740.42
GIBSONTON32449$3,882.40
ODESSA32452$3,761.04
TAMPA32455$3,752.24
SEFFNER32456$3,821.54
LUTZ32459$3,675.48
RIVERVIEW32460$3,740.42
THONOTOSASSA32461$3,743.34
LUTZ32462$3,711.10
RIVERVIEW32463$3,726.32
LOXAHATCHEE32464$3,752.24
LUTZ32465$3,821.54
NEW PORT RICHEY32466$3,784.04
NEW PORT RICHEY32501$4,114.16
PORT RICHEY32502$4,131.70
HOLIDAY32503$4,131.70
PALM HARBOR32504$4,131.70
VALRICO32505$4,131.70
SAINT PETERSBURG32506$4,131.70
SAINT PETERSBURG32507$4,131.70
SAINT PETERSBURG32508$4,131.70
SAINT PETERSBURG32514$4,184.02
SAINT PETERSBURG32526$4,131.70
HOLIDAY32531$3,763.29
NEW PORT RICHEY32533$4,202.55
ARIPEKA32534$4,166.48
PALM HARBOR32535$3,965.35
CANAL POINT32536$3,725.92
LITHIA32537$3,725.92
PINELLAS PARK32538$3,726.26
BELLE GLADE32539$3,725.92
SOUTH BAY32541$3,653.93
VALRICO32542$3,652.75
SAINT PETERSBURG32544$3,652.75
CLEARWATER32547$3,652.75
DUNEDIN32548$3,652.75
PAHOKEE32550$3,597.34
SAINT PETERSBURG32561$3,842.12
SAINT PETERSBURG32563$3,842.12
SAINT PETERSBURG32564$3,763.29
NEW PORT RICHEY32565$3,793.82
SAINT PETERSBURG32566$3,842.12
SAINT PETERSBURG32567$3,725.92
SAINT PETERSBURG32568$3,965.35
CLEARWATER32569$3,652.75
CLEARWATER32570$3,965.75
SAINT PETERSBURG32571$3,961.67
SAINT PETERSBURG32577$4,137.28
TARPON SPRINGS32578$3,652.75
OZONA32579$3,652.75
OLDSMAR32580$3,652.75
CRYSTAL BEACH32583$3,971.78
PINELLAS PARK32601$3,489.42
DOVER32603$3,494.66
CLEARWATER32605$3,494.66
CLEARWATER32606$3,494.66
CLEARWATER32607$3,494.66
LARGO32608$3,494.66
CLEARWATER32609$3,489.42
SAFETY HARBOR32610$3,504.58
HUDSON32611$3,494.66
HUDSON32612$3,492.52
CLEARWATER32615$3,490.52
LAND O LAKES32617$3,752.97
LARGO32618$3,486.59
LARGO32619$3,665.61
SEMINOLE32621$3,673.62
WESLEY CHAPEL32622$3,932.71
CLEARWATER32625$3,677.88
PALM BEACH GARDENS32626$3,677.88
LAND O LAKES32628$3,679.57
NORTH PALM BEACH32631$3,523.03
PALM HARBOR32633$3,646.11
LARGO32634$3,758.20
CLEARWATER BEACH32639$3,664.09
LARGO32640$3,646.11
LAKE HARBOR32641$3,489.42
SAINT PETERSBURG32643$3,486.23
ZEPHYRHILLS32648$3,663.20
TARPON SPRINGS32653$3,494.66
SAINT PETERSBURG32654$3,646.11
SAINT PETERSBURG32656$3,889.41
SEMINOLE32658$3,490.52
SEMINOLE32662$3,646.11
INDIAN ROCKS BEACH32663$3,758.20
BELLEAIR BEACH32664$3,610.75
ORLANDO32666$3,873.81
DADE CITY32667$3,486.59
DADE CITY32668$3,673.62
ZEPHYRHILLS32669$3,486.59
SAN ANTONIO32680$3,679.57
ORLANDO32681$3,610.75
PLANT CITY32683$3,664.09
PLANT CITY32686$3,758.20
PLANT CITY32692$3,679.57
WIMAUMA32693$3,664.79
PLANT CITY32694$3,481.35
WESLEY CHAPEL32696$3,673.62
PALM BEACH GARDENS32701$4,248.40
RUSKIN32702$3,817.39
APOLLO BEACH32703$4,514.27
SUN CITY CENTER32706$4,157.26
LAND O LAKES32707$4,282.27
ZEPHYRHILLS32708$4,216.77
WESLEY CHAPEL32709$4,552.27
SAINT LEO32712$4,521.37
TRILBY32713$4,127.05
ORLANDO32714$4,282.27
ORLANDO32720$3,971.43
SPRING HILL32722$4,100.98
ORLANDO32723$4,164.15
ORLANDO32724$4,164.15
JUPITER32725$4,235.82
JUPITER32726$3,843.20
JUPITER32730$4,362.23
ORLANDO32732$4,179.60
KISSIMMEE32735$3,837.18
ORLANDO32736$3,875.81
SPRING HILL32738$4,235.82
ORLANDO32744$4,112.60
SPRING HILL32745$4,172.50
SPRING HILL32746$4,179.60
BROOKSVILLE32747$4,161.67
SPRING HILL32750$4,211.79
ORLANDO32751$4,397.77
ORLANDO32754$3,913.84
JUPITER32757$4,479.24
BROOKSVILLE32759$4,100.43
BROOKSVILLE32763$4,157.70
ISTACHATTA32764$4,099.16
ORLANDO32765$4,173.00
KISSIMMEE32766$4,179.60
KISSIMMEE32767$3,869.80
KISSIMMEE32768$4,497.35
KISSIMMEE32771$4,161.67
INTERCESSION CITY32773$4,168.37
ORLANDO32775$3,990.52
ORLANDO32776$3,875.81
SAINT CLOUD32778$3,843.20
BRADENTON32779$4,215.19
BRADENTON32780$3,913.84
BRADENTON32784$3,851.31
ORLANDO32789$4,673.30
ORLANDO32792$4,488.64
ORLANDO32796$3,913.84
ORLANDO32798$4,490.25
ORLANDO32799$4,164.27
ORLANDO32801$4,685.45
BROOKSVILLE32803$4,672.43
SAINT CLOUD32804$4,872.35
ORLANDO32805$5,104.32
BROOKSVILLE32806$4,777.97
NOBLETON32807$4,803.23
ORLANDO32808$5,185.50
JACKSONVILLE32809$5,116.71
ORLANDO32810$4,924.58
ORLANDO32811$5,104.32
SAINT CLOUD32812$4,801.95
WINTER PARK32814$4,651.11
KISSIMMEE32816$4,692.63
ORLANDO32817$4,726.65
ORLANDO32818$5,195.54
ORLANDO32819$4,656.58
ORLANDO32820$4,633.32
JACKSONVILLE32821$4,690.51
ORLANDO32822$4,902.83
JACKSONVILLE32824$5,014.30
ORLANDO32825$4,834.48
JACKSONVILLE32826$4,726.65
ANNA MARIA32827$4,731.81
KENANSVILLE32828$4,687.51
JACKSONVILLE32829$4,726.18
ORLANDO32831$4,666.22
ORLANDO32832$4,633.36
PALMETTO32833$4,666.22
TERRA CEIA32834$4,660.70
ORLANDO32835$4,873.49
PORT SAINT LUCIE32836$4,624.95
PORT SAINT LUCIE32837$4,766.98
KISSIMMEE32839$5,116.71
PORT SAINT LUCIE32901$4,104.18
PORT SAINT LUCIE32903$3,948.38
WINDERMERE32904$3,999.26
CHRISTMAS32905$4,134.60
JACKSONVILLE32907$4,134.60
JACKSONVILLE32908$4,132.48
JACKSONVILLE32909$4,134.60
FORT PIERCE32920$3,930.71
KILLARNEY32922$3,990.44
WINTER GARDEN32925$3,930.71
JACKSONVILLE32926$3,989.52
JACKSONVILLE32927$3,913.84
JACKSONVILLE32931$3,930.71
JACKSONVILLE32934$4,016.93
JACKSONVILLE32935$4,045.39
ISLAMORADA32937$3,930.71
TAVERNIER32940$3,969.04
SAINT CLOUD32948$4,177.17
OLUSTEE32949$4,134.60
LONG KEY32950$4,134.60
KEY WEST32951$3,930.71
SUMMERLAND KEY32952$3,930.71
BIG PINE KEY32953$3,923.13
MARATHON32955$3,989.57
KEY COLONY BEACH32958$4,105.22
MARATHON SHORES32960$4,105.22
OCOEE32962$4,120.56
GOTHA32963$4,295.63
GRAHAM32966$4,100.07
KEY LARGO32967$4,100.07
APOPKA32968$4,115.41
APOPKA32970$4,105.22
JACKSONVILLE32976$4,063.73
FORT PIERCE33001$4,526.69
FORT PIERCE33004$6,331.99
FORT PIERCE33009$6,446.92
FORT PIERCE33010$7,448.04
HOBE SOUND33012$7,304.68
INDIANTOWN33013$7,275.81
PALM CITY33014$7,025.36
STUART33015$6,836.28
STUART33016$7,146.88
OKEECHOBEE33018$6,873.10
BRADENTON33019$6,311.94
CORTEZ33020$6,329.66
PLYMOUTH33021$6,255.33
JACKSONVILLE33023$6,080.97
JACKSONVILLE33024$5,888.44
JACKSONVILLE33025$5,987.49
JACKSONVILLE33026$5,778.15
ZELLWOOD33027$5,726.98
DAVENPORT33028$5,639.35
DAVENPORT33029$5,672.30
JACKSONVILLE33030$6,870.04
WINTER PARK33031$6,870.04
JENSEN BEACH33032$7,024.81
STUART33033$6,859.88
MOUNT DORA33034$6,870.04
LAKE ALFRED33035$6,811.45
LAKE HAMILTON33036$4,529.72
HAINES CITY33037$4,523.06
WINTER HAVEN33039$6,913.51
PORT SAINT LUCIE33040$4,526.69
PORT SAINT LUCIE33042$4,526.69
OKEECHOBEE33043$4,526.69
JACKSONVILLE33050$4,526.69
JACKSONVILLE33051$4,526.69
BRADENTON33052$4,526.69
JACKSONVILLE33054$7,162.08
DUNDEE33055$6,880.57
ELLENTON33056$6,874.79
LAKELAND33060$6,085.96
HOMELAND33062$5,964.28
LAKESHORE33063$5,931.87
INDIAN LAKE ESTATES33064$6,028.54
NALCREST33065$6,022.32
RIVER RANCH33066$5,931.87
JACKSONVILLE33067$5,998.07
MAITLAND33068$6,151.92
EAGLE LAKE33069$6,132.34
WINTER HAVEN33070$4,529.72
SUMATRA33071$6,022.32
TELOGIA33073$5,926.07
PARRISH33076$5,998.07
BABSON PARK33109$6,635.48
BARTOW33122$7,163.83
LAKE WALES33125$7,606.64
LAKE WALES33126$7,297.22
LAKE WALES33127$7,517.24
POLK CITY33128$7,404.00
DAVENPORT33129$6,921.54
BRADENTON33130$7,592.83
BRADLEY33131$6,764.17
NICHOLS33132$6,830.71
CASSELBERRY33133$6,950.58
BRADENTON BEACH33134$6,990.92
EATON PARK33135$7,606.64
LAKELAND33136$7,592.83
LAKELAND33137$6,820.17
LAKELAND33138$6,726.34
BRADENTON33139$5,967.90
AUBURNDALE33140$6,304.97
WINTER HAVEN33141$6,327.92
MYAKKA CITY33142$7,631.16
BRADENTON33143$6,328.58
BRADENTON33144$7,197.53
LAKELAND33145$7,199.47
LAKELAND33146$6,418.37
LAKELAND33147$7,626.18
LAKELAND33149$6,683.63
BRADENTON33150$7,428.68
ONECO33154$6,228.41
JACKSONVILLE33155$6,965.52
JACKSONVILLE33156$6,375.97
JACKSONVILLE33157$6,435.23
FORT PIERCE33158$6,314.10
FORT PIERCE33160$6,570.63
FORT MEADE33161$6,983.18
FROSTPROOF33162$7,110.30
FORT OGDEN33165$7,078.68
FORT PIERCE33166$6,800.86
MULBERRY33167$7,216.08
CLEWISTON33168$7,240.81
LAKELAND33169$7,078.91
KATHLEEN33170$6,884.67
JACKSONVILLE33172$6,905.20
JACKSONVILLE33173$6,645.51
JACKSONVILLE33174$7,178.70
ATLANTIC BEACH33175$7,127.61
JACKSONVILLE BEACH33176$6,384.00
JACKSONVILLE33177$6,884.67
JACKSONVILLE33178$6,554.46
NEPTUNE BEACH33179$6,863.46
VERO BEACH33180$6,549.09
WEBSTER33181$6,769.70
CASSELBERRY33182$6,904.95
ALTAMONTE SPRINGS33183$6,682.41
TALLEVAST33184$7,153.93
ORANGE PARK33185$6,705.63
AVON PARK33186$6,587.52
ALTAMONTE SPRINGS33187$6,666.36
DELTONA33189$6,777.07
DELTONA33190$6,868.71
PALMDALE33193$6,753.02
FELDA33194$7,023.28
LABELLE33196$6,666.36
WINTER SPRINGS33199$7,178.70
LONGWOOD33301$5,844.67
LONGWOOD33304$5,841.64
DOCTORS INLET33305$5,834.52
CANTONMENT33306$5,823.32
FLEMING ISLAND33308$5,823.32
ORANGE PARK33309$6,225.37
MIDDLEBURG33311$6,305.41
SARASOTA33312$6,216.48
PENSACOLA33313$6,276.35
GENEVA33314$6,203.21
LAKE MARY33315$5,889.43
OVIEDO33316$5,836.74
FELLSMERE33317$5,848.86
SARASOTA33319$6,190.56
LONGBOAT KEY33321$6,041.03
OVIEDO33322$6,047.39
MID FLORIDA33323$5,939.29
SANFORD33324$5,846.95
LEHIGH ACRES33325$5,846.95
PENSACOLA33326$5,750.11
MID FLORIDA33327$5,655.48
DELAND33328$5,784.74
DELAND33330$5,727.38
LAKE MONROE33331$5,704.74
SANFORD33332$5,670.75
ORANGE CITY33334$5,922.43
CASSADAGA33351$6,041.03
MOLINO33388$5,852.01
PALM BAY33394$5,783.07
PALM BAY33401$6,276.25
PALM BAY33403$6,041.67
GRANT33404$6,041.67
MALABAR33405$6,276.25
PALM BAY33406$6,278.75
PENSACOLA33407$6,123.88
PENSACOLA33408$5,254.51
PENSACOLA33409$6,278.75
PENSACOLA33410$5,259.51
PENSACOLA33411$6,004.71
PENSACOLA33412$5,615.98
PENSACOLA33413$6,120.90
PENSACOLA33414$6,004.71
DEBARY33415$6,116.81
MACCLENNY33417$6,116.81
GREEN COVE SPRINGS33418$5,151.65
SARASOTA33426$6,159.33
CALLAHAN33428$5,926.72
VERO BEACH33430$5,357.60
VERO BEACH33431$5,957.82
FORT MYERS33432$5,957.82
PENSACOLA33433$5,954.38
YULEE33434$5,910.50
LAKE HELEN33435$6,159.33
LEHIGH ACRES33436$6,096.01
LEHIGH ACRES33437$6,096.01
LEHIGH ACRES33438$5,366.43
LEHIGH ACRES33440$4,305.88
LEHIGH ACRES33441$6,028.54
FERNANDINA BEACH33442$5,947.46
SEBASTIAN33444$6,102.38
VERO BEACH33445$6,200.91
WABASSO33446$6,138.53
MELBOURNE33449$6,095.30
ONA33455$4,504.37
GLENWOOD33458$4,863.64
OAK HILL33459$5,237.37
VERO BEACH33460$6,292.81
VERO BEACH33461$6,297.92
OSTEEN33462$6,290.16
BOWLING GREEN33463$6,344.28
GLEN SAINT MARY33467$6,153.40
SARASOTA33469$5,066.94
LAKE PLACID33470$5,417.48
LORIDA33471$4,067.18
SEBRING33472$6,057.63
SEBRING33473$6,057.63
SEBRING33476$5,346.40
SEBRING33477$5,098.69
SARASOTA33478$5,058.40
SARASOTA33480$6,225.52
VENUS33483$6,082.78
BOSTWICK33484$6,096.51
PALATKA33486$5,957.82
DE LEON SPRINGS33487$5,957.82
SARASOTA33493$5,357.60
SARASOTA33496$6,007.61
WAUCHULA33498$6,007.61
FORT MYERS33510$5,933.28
ZOLFO SPRINGS33511$5,608.68
FORT MYERS33513$3,948.53
FORT MYERS33514$3,948.53
MOORE HAVEN33521$3,915.92
SEBASTIAN33523$5,186.49
HILLIARD33525$5,186.49
BRYCEVILLE33527$5,315.37
FORT MYERS33530$5,636.98
FORT MYERS33534$5,601.96
SANDERSON33538$3,897.63
SARASOTA33540$5,186.49
NORTH FORT MYERS33541$5,230.84
CAPE CORAL33542$5,117.09
CAPE CORAL33543$5,264.76
CAPE CORAL33544$5,161.44
CAPE CORAL33545$5,117.09
CAPE CORAL33547$5,365.64
CAPE CORAL33548$5,405.44
MELBOURNE33549$5,602.29
BOKEELIA33556$5,576.04
SAINT JAMES CITY33558$5,571.04
SARASOTA33559$5,516.67
DAYTONA BEACH33563$5,183.29
DAYTONA BEACH33565$5,183.75
DAYTONA BEACH33566$5,183.29
ORMOND BEACH33567$5,172.95
SARASOTA33569$5,527.55
SARASOTA33570$5,148.29
MELBOURNE33572$5,148.29
NORTH FORT MYERS33573$5,148.29
BARBERVILLE33574$5,117.09
ARCADIA33576$5,186.49
SARASOTA33578$5,695.36
ARCADIA33579$5,476.07
ALVA33584$5,573.93
CLERMONT33585$3,971.68
MELBOURNE33586$5,636.26
EDGEWATER33587$5,636.98
EAST PALATKA33592$5,517.60
SAN MATEO33593$5,117.09
LAWTEY33594$5,383.52
STARKE33596$5,354.97
FORT MYERS33597$4,293.79
FORT MYERS33598$5,181.56
RAIFORD33602$6,894.71
SCOTTSMOOR33603$6,931.90
COCOA33604$6,815.74
ROCKLEDGE33605$6,854.53
COCOA33606$6,737.80
FORT MYERS33607$6,976.36
FORT MYERS33609$6,107.87
CRESCENT CITY33610$6,495.30
GRANDIN33611$5,990.83
GEORGETOWN33612$6,850.08
HOLLISTER33613$6,265.76
INTERLACHEN33614$6,828.10
LAKE COMO33615$6,673.01
POMONA PARK33616$5,988.68
PUTNAM HALL33617$5,760.45
SATSUMA33618$5,906.63
WELAKA33619$6,514.39
TALLAHASSEE33620$5,961.95
PIERSON33621$5,822.92
MILTON33624$6,264.18
SUMTERVILLE33625$6,236.56
DELAND33626$5,651.99
DAYTONA BEACH33629$5,990.83
ORMOND BEACH33634$6,733.02
OSPREY33635$6,188.84
MELBOURNE33637$6,188.52
MILTON33647$5,575.56
HAMPTON33701$5,328.73
CENTURY33702$5,334.99
MC DAVID33703$5,334.99
PORT ORANGE33704$5,328.73
NEW SMYRNA BEACH33705$5,369.59
MILTON33706$5,205.41
LAKE GENEVA33707$5,343.70
SEVILLE33708$5,231.32
PALM COAST33709$5,343.70
PORT ORANGE33710$5,354.18
PORT ORANGE33711$5,369.59
BOCA GRANDE33712$5,369.59
BUSHNELL33713$5,369.59
CENTER HILL33714$5,369.59
INDIALANTIC33715$5,215.88
DAYTONA BEACH33716$5,334.99
EDGEWATER33730$5,338.61
NEW SMYRNA BEACH33755$5,298.60
CHOKOLOSKEE33756$5,329.43
EVERGLADES CITY33759$5,350.57
BROOKER33760$5,311.92
CAPE CANAVERAL33761$5,308.69
PATRICK AFB33762$5,333.41
COCOA BEACH33763$5,311.92
SATELLITE BEACH33764$5,311.92
MELBOURNE BEACH33765$5,259.94
MERRITT ISLAND33767$5,245.84
TALLAHASSEE33770$5,290.77
TALLAHASSEE33771$5,311.92
TALLAHASSEE33772$5,202.66
TALLAHASSEE33773$5,268.74
TALLAHASSEE33774$5,241.27
TALLAHASSEE33776$5,202.66
TALLAHASSEE33777$5,268.74
TALLAHASSEE33778$5,247.59
TALLAHASSEE33781$5,364.76
TALLAHASSEE33782$5,322.39
TALLAHASSEE33785$5,202.66
TALLAHASSEE33786$5,202.66
FLORAHOME33801$4,305.40
PINELAND33803$4,358.57
FORT MYERS33805$4,345.65
ESTERO33809$4,342.43
MERRITT ISLAND33810$4,345.65
CLERMONT33811$4,358.57
MONTVERDE33812$4,414.38
CLERMONT33813$4,358.57
FERNDALE33815$4,345.09
GROVELAND33823$4,353.34
MASCOTTE33825$4,248.51
BUNNELL33827$4,373.58
FLAGLER BEACH33830$4,372.05
PALM COAST33834$4,095.15
PALM COAST33835$4,362.39
FORT MYERS BEACH33837$4,489.58
FLORAL CITY33838$4,421.02
PONTE VEDRA BEACH33839$4,389.49
COLEMAN33840$4,359.91
CAPTIVA33841$4,323.58
SANIBEL33843$4,322.35
MIMS33844$4,458.40
TITUSVILLE33847$4,408.19
TITUSVILLE33848$4,821.71
COCOA33849$4,302.18
NOKOMIS33850$4,464.79
LAKE BUTLER33851$4,464.79
NORTH PORT33852$4,086.54
NORTH PORT33853$4,372.05
LECANTO33854$4,408.19
IMMOKALEE33855$4,408.19
HOMOSASSA33856$4,408.19
HOMOSASSA33857$4,086.54
INVERNESS33859$4,372.05
INVERNESS33860$4,316.23
ENGLEWOOD33863$4,362.39
LAKE PANASOFFKEE33865$4,103.66
CRYSTAL RIVER33867$4,406.96
ASTATULA33868$4,369.91
NORTH PORT33870$4,086.23
HOWEY IN THE HILLS33872$4,086.23
NORTH PORT33873$4,072.79
BLOUNTSTOWN33875$4,086.23
KEYSTONE HEIGHTS33876$4,086.54
OCHOPEE33880$4,389.49
ALTHA33881$4,439.69
WEWAHITCHKA33884$4,353.34
BONITA SPRINGS33890$4,071.55
EUSTIS33896$4,489.58
SORRENTO33897$4,368.67
CLARKSVILLE33898$4,370.81
MELROSE33901$4,060.27
PONTE VEDRA33903$4,052.08
HERNANDO33904$4,047.28
HOLDER33905$4,114.55
INVERNESS33907$3,981.36
MURDOCK33908$3,981.36
VENICE33909$4,052.08
VENICE33912$4,060.27
LULU33913$4,070.88
DUNNELLON33914$4,047.28
PAISLEY33916$4,070.88
PUNTA GORDA33917$4,015.66
LAKE CITY33919$3,925.64
LLOYD33920$4,000.80
PUNTA GORDA33921$3,954.64
HASTINGS33922$4,042.48
NORTH PORT33924$3,915.87
VENICE33927$3,851.67
CRYSTAL RIVER33928$3,923.52
BEVERLY HILLS33930$4,223.85
DUNNELLON33931$3,919.21
SAINT AUGUSTINE33935$4,223.85
SAINT AUGUSTINE33936$4,112.43
SAINT AUGUSTINE33938$3,871.72
OCALA33944$4,227.32
OCALA33945$3,927.14
THE VILLAGES33946$3,850.68
OXFORD33947$3,850.68
WILDWOOD33948$3,851.67
CARRABELLE33950$3,844.14
LANARK VILLAGE33952$3,844.14
EASTPOINT33953$3,851.67
SAINT JOHNS33954$3,852.87
APALACHICOLA33955$3,865.72
SAINT AUGUSTINE33956$4,042.48
PORT CHARLOTTE33957$3,915.87
EL JOBEAN33960$4,079.50
PORT CHARLOTTE33965$3,993.21
PORT CHARLOTTE33966$4,072.12
UMATILLA33967$3,993.21
PLACIDA33971$4,168.14
ROTONDA WEST33972$4,112.43
OCALA33973$4,112.43
PORT CHARLOTTE33974$4,112.43
ENGLEWOOD33976$4,112.43
LAMONT33980$3,844.14
MONTICELLO33981$3,846.14
PUNTA GORDA33982$3,869.54
PORT CHARLOTTE33983$3,844.14
PUNTA GORDA33990$4,052.08
PUNTA GORDA33991$4,047.94
EUSTIS33993$4,048.93
TAVARES34102$3,783.36
OCALA34103$3,783.36
GULF BREEZE34104$3,797.43
GULF BREEZE34105$3,797.43
NAVARRE34108$3,783.36
BRISTOL34109$3,797.43
HOSFORD34110$3,797.43
OCALA34112$3,783.36
SAINT AUGUSTINE34113$3,783.36
LAKE CITY34114$3,797.43
NAPLES34116$3,797.43
ASTOR34117$3,797.43
GRAND ISLAND34119$3,797.43
LEESBURG34120$3,839.84
ELKTON34134$3,797.43
CANDLER34135$3,881.12
LAKE CITY34137$3,797.43
PORT SAINT JOE34138$3,942.52
WEWAHITCHKA34139$3,942.52
WEIRSDALE34140$3,797.43
ALTOONA34141$3,885.56
DUNNELLON34142$3,901.52
DUNNELLON34145$3,783.36
FORT MC COY34201$4,365.26
FORT WHITE34202$4,351.75
OCALA34203$4,341.09
CRAWFORDVILLE34205$4,783.59
PANACEA34207$4,782.57
SAINT MARKS34208$4,783.59
SOPCHOPPY34209$4,426.85
NAPLES34210$4,500.02
NAPLES34211$4,347.16
NAPLES34212$4,358.27
NAPLES34215$4,498.15
NAPLES34216$4,645.27
NAPLES34217$4,361.71
NAPLES34219$4,378.70
NAPLES34221$4,632.04
BONITA SPRINGS34222$4,418.43
COPELAND34223$3,899.53
GOODLAND34224$3,846.14
JAY34228$4,173.22
SUMMERFIELD34229$3,969.52
OCALA34231$4,028.02
CHATTAHOOCHEE34232$4,054.63
GRETNA34233$4,029.02
QUINCY34234$4,079.69
OCALA34235$4,089.73
OCALA34236$4,073.06
FOUNTAIN34237$4,124.20
YOUNGSTOWN34238$4,073.53
NAPLES34239$4,080.81
NAPLES34240$4,174.77
NAPLES34241$4,005.33
NAPLES34242$4,038.64
NAPLES34243$4,191.02
MARCO ISLAND34250$4,631.02
BELLEVIEW34251$4,352.55
PANAMA CITY34264$4,339.22
FRUITLAND PARK34266$4,013.34
LEESBURG34267$4,320.27
OKAHUMPKA34269$4,001.40
YALAHA34270$4,250.01
JASPER34275$3,911.89
GREENSBORO34285$3,871.67
HAVANA34286$3,865.34
MIDWAY34287$3,890.16
QUINCY34288$3,893.21
PANAMA CITY34289$3,907.71
PANAMA CITY34291$3,907.71
PANAMA CITY34292$3,864.68
PANAMA CITY BEACH34293$3,871.67
PANAMA CITY34420$3,779.94
PANAMA CITY34428$3,863.02
MEXICO BEACH34429$3,895.63
PANAMA CITY BEACH34431$3,816.24
LYNN HAVEN34432$3,816.24
WHITE SPRINGS34433$3,861.23
GRACEVILLE34434$3,870.76
OCALA34436$3,918.22
BAKER34442$3,872.55
HOLT34445$3,872.55
BONIFAY34446$3,899.93
NOMA34448$3,899.93
FAIRFIELD34449$3,664.09
LOWELL34450$3,899.93
REDDICK34452$3,899.93
OCALA34453$3,872.55
CITRA34461$3,905.16
EASTLAKE WEIR34465$3,863.02
OCKLAWAHA34470$3,842.22
ORANGE SPRINGS34471$3,858.02
SPARR34472$3,841.88
ANTHONY34473$3,847.11
PONCE DE LEON34474$3,858.02
WESTVILLE34475$3,764.47
WELLBORN34476$3,789.08
MAYO34479$3,799.99
ROSEMARY BEACH34480$3,784.18
BASCOM34481$3,784.18
CAMPBELLTON34482$3,753.90
COTTONDALE34484$3,858.02
GRAND RIDGE34488$3,716.67
GREENWOOD34491$3,790.85
MALONE34498$3,664.09
MARIANNA34601$4,692.22
MARIANNA34602$4,715.36
SNEADS34604$4,885.76
ALFORD34606$4,875.27
LEE34607$4,909.00
MADISON34608$4,898.41
PINETTA34609$4,898.41
CHIPLEY34610$5,116.51
WAUSAU34613$4,862.62
PAXTON34614$4,862.62
JENNINGS34636$4,862.62
CRESTVIEW34637$5,134.11
MILLIGAN34638$5,254.61
CRESTVIEW34639$5,295.11
LAUREL HILL34652$5,395.44
LIVE OAK34653$5,367.21
LIVE OAK34654$5,398.09
CARYVILLE34655$5,335.33
MC ALPIN34660$5,327.88
SALEM34661$4,692.22
SILVER SPRINGS34667$5,299.90
BRANFORD34668$5,395.44
O BRIEN34669$5,299.90
VERNON34677$5,327.88
LADY LAKE34679$5,367.21
EBRO34681$5,327.88
PERRY34683$5,366.53
PERRY34684$5,386.26
SHADY GROVE34685$5,252.15
STEINHATCHEE34688$5,221.27
THE VILLAGES34689$5,328.57
ARGYLE34690$5,368.63
DEFUNIAK SPRINGS34691$5,395.44
MOSSY HEAD34695$5,308.69
DEFUNIAK SPRINGS34698$5,347.35
CROSS CITY34705$3,893.74
OLD TOWN34711$3,923.05
SUWANNEE34714$4,000.17
FREEPORT34715$3,921.19
CEDAR KEY34729$3,919.95
CHIEFLAND34731$3,779.28
SANTA ROSA BEACH34734$4,523.75
BRONSON34736$3,919.95
MORRISTON34737$3,892.50
WILLISTON34739$4,641.48
BELL34740$4,547.56
TRENTON34741$4,830.20
GULF HAMMOCK34743$4,983.28
OTTER CREEK34744$4,827.66
INGLIS34746$4,826.67
YANKEETOWN34747$4,673.29
HORSESHOE BEACH34748$3,779.28
DESTIN34753$3,919.95
EGLIN AFB34756$3,923.05
HURLBURT FIELD34758$4,826.67
FORT WALTON BEACH34759$4,591.24
FORT WALTON BEACH34761$4,525.80
MARY ESTHER34762$3,779.28
NICEVILLE34769$4,791.82
SHALIMAR34771$4,694.47
VALPARAISO34772$4,678.87
GREENVILLE34773$4,528.08
EVINSTON34785$3,858.02
HAWTHORNE34786$4,554.63
ISLAND GROVE34787$4,547.56
LOCHLOOSA34788$3,837.18
MC INTOSH34797$3,779.28
ORANGE LAKE34945$4,316.64
MIRAMAR BEACH34946$4,331.97
EARLETON34947$4,507.05
GAINESVILLE34949$4,548.56
GAINESVILLE34950$4,507.05
GAINESVILLE34951$4,331.97
GAINESVILLE34952$4,574.94
GAINESVILLE34953$4,592.86
GAINESVILLE34956$4,504.37
GAINESVILLE34957$4,486.44
GAINESVILLE34972$4,500.88
GAINESVILLE34974$4,430.16
ALACHUA34981$4,507.05
LA CROSSE34982$4,507.05
GAINESVILLE34983$4,574.94
GAINESVILLE34984$4,592.86
GAINESVILLE34986$4,434.21
ARCHER34987$4,434.21
MICANOPY34990$4,504.37
NEWBERRY34994$4,504.37
HIGH SPRINGS34996$4,486.44
WALDO34997$4,504.37

Best Florida Car Insurance Companies

There is a countless number of car insurance providers out there that want your business. It can seem overwhelming, with all of them fighting for your business, but that’s what we’re here for.

In this section, we’ll go over all of the information you’ll need to know about the different car insurance companies in Florida. We’ll touch on the largest companies, the companies with the best ratings, the companies with the most complaints, and more.

Continue reading to find out the best car insurance companies in Florida.

– Largest Companies Financial Rating

One of the first thing’s you’ll want to know about a company is what their financial strength is like. Do they have a higher rating, meaning they’re more likely to provide you the best coverage you need? Or do they have a lower rating, meaning that they’re less responsible than their counterparts?

Providers (by Size – Largest at Top)A.M. Best Rating
Berkshire HathawayA++
State FarmB++
ProgressiveA+
Allstate InsuranceA+
USAAA++
Liberty MutualA
TravelersA++
AmTrustA-
WindhavenNot Rated
Infinity InsuranceA

– Companies with Best Ratings

J.D. Power did a study in 2019 to compare the overall customer satisfaction of customers for their insurance companies based on their region. The chart below shows the overall customer satisfaction index ranking that the Florida region received.

Florida JD Power Chart

– Companies with Most Complaints in Florida

Another factor to consider is exactly how many complaints do these providers have? Are their customers generally satisfied with their coverage? Or is there a large portion of customers who are not?

Number of Customer Complaints201720162015Total
Geico757252199
State Farm3513493941,094
Progressive140153149442
Allstate464957152
USAA533321107
Liberty Mutual25152363
Travelers2114
Windhaven5446293981571
Infinity137141179457

You can find more customer complaint statistics from the Florida Office of Insurance Regulation, which shows statistics for other types of insurance as well (such as home and life insurance).

– Cheapest Companies in Florida

Cost is obviously going to be near the top of most people’s check list’s for purchasing car insurance. Who has the most expensive car insurance, and who has the cheapest? Well, we’ve taken the hard work out of the equation for you and have listed the top five most expensive and top five least expensive car insurance providers in Florida.

CompanyAverage CostCompared to State AveragePercent Compared to Average
Allstate F&C$7,440.46$2,760.0037.09%
Geico General$3,783.63-$896.83-23.70%
Liberty Mutual Ins Co$5,368.15$687.6912.81%
Allied P&C$4,339.60-$340.86-7.85%
Progressive Select$5,583.30$902.8416.17%
State Farm Mutual Auto$3,397.67-$1,282.79-37.75%
USAA$2,850.41-$1,830.05-64.20%

– Commute Rates by Companies

Group25 Miles Commute / 12000 Annual Mileage10 Miles Commute / 6000 Annual Mileage
Allstate$7,653.06$7,227.85
Progressive$5,583.30$5,583.30
Liberty Mutual$5,542.32$5,193.97
Nationwide$4,339.60$4,339.60
Geico$3,802.25.$3,765.00
State Farm$3,517.12$3,278.22
USAA$2,882.80$2,818.01

– Coverage Level Rates by Companies

Did you know that for only slightly more, you could be getting a better high coverage insurance plan? By comparing high coverage plans between the different car insurance companies, you could save hundreds of dollars!

GroupHigh CoverageMedium CoverageLow Coverage
Allstate$8,737.79$7,820.73$5,762.84
Progressive$6,356.27$5,712.27$4,681.36
Liberty Mutual$5,726.09$5,456.65$4,921.70
Nationwide$5,079.97$4,511.14$3,427.69
Geico$4,330.61$3,915.19$3,105.08
State Farm$3,799.88$3,477.29$2,915.85
USAA$3,145.87$2,954.56$2,450.79

You can see in the table above that a low coverage plan with State Farm is $2,915.85, while a high coverage plan with USAA is $3,145.87. That means that for only $230.02 MORE a year, you could get a plan that will give you more protection.

It can be tempting to stick with the lower coverage plans, as they tend to be the cheapest plans, but getting that extra coverage is definitely something to consider.

– Credit History Rates by Companies

GroupGood Credit HistoryFair Credit HistoryPoor Credit History
Allstate$5,314.82$6,574.17$10,432.38
Geico$2,505.51$3,335.60$5,509.78
Liberty Mutual$4,109.70$5,073.66$6,921.08
Nationwide$3,596.12$3,981.62$5,441.06
Progressive$4,302.18$5,169.65$7,278.07
State Farm$2,495.39$3,045.80$4,651.82
USAA$1,645.31$2,266.46$4,639.45

– Driving Record Rates by Companies

GroupDriving RecordAnnual Average
AllstateWith 1 DUI$8,524.13
AllstateWith 1 accident$7,700.66
AllstateWith 1 speeding violation$7,119.64
AllstateClean record$6,417.39
GeicoWith 1 DUI$5,012.72
GeicoWith 1 speeding violation$4,116.12
GeicoWith 1 accident$3,368.94
GeicoClean record$2,636.72
Liberty MutualWith 1 DUI$7,291.64
Liberty MutualWith 1 speeding violation$5,285.32
Liberty MutualWith 1 accident$5,026.31
Liberty MutualClean record$3,869.33
NationwideWith 1 DUI$5,472.37
NationwideWith 1 speeding violation$4,114.99
NationwideWith 1 accident$4,065.71
NationwideClean record$3,705.32
ProgressiveWith 1 accident$6,519.19
ProgressiveWith 1 speeding violation$5,915.72
ProgressiveWith 1 DUI$5,490.35
ProgressiveClean record$4,407.95
State FarmWith 1 accident$3,690.25
State FarmWith 1 DUI$3,397.66
State FarmWith 1 speeding violation$3,397.66
State FarmClean record$3,105.11
USAAWith 1 DUI$4,070.81
USAAWith 1 accident$2,755.24
USAAWith 1 speeding violation$2,341.64
USAAClean record$2,233.94

– Largest Car Insurance Companies in Florida

You’ve seen the ten largest car insurance companies previously, as well as their financial ratings. Here, we will give you the exact scope of what makes these companies the largest.

RankCompany/Group NameDirect Premiums WrittenLoss RatioMarket Share
1Geico$4,678,32678.78%24.44%
2State Farm Group$3,042,87179.80%15.89%
3Progressive Group$3,031,44466.17%15.84%
4Allstate Insurance Group$1,842,80055.45%9.63%
5USAA Group$1,357,36782.20%7.09%
6Liberty Mutual Group$617,08968.42%3.22%
7Travelers Group$444,62367.79%2.32%
8Amtrust NGH Group$413,35161.98%2.16%
9J. Whited Group (Windhaven)$385,88556.59%2.02%
10InFinanciality Prop & Casualty Insurance Group$357,01167.06%1.86%

– Number of Insurers

There are two types of insurers in every state, a domestic provider and a foreign provider.

A domestic provider is a provider who is only providing insurance coverage in one state, and they are only located in that state. Think of that local company down the street, and that’s what we’re talking about.

A foreign provider is a provider who provides insurance in many states, and are also located in many states. These are the bigger, national, companies such as Geico or Progressive.

So how many do you have to work within Florida? There are 114 domestic providers and 953 foreign providers, making the total number of providers you can choose from in Florida at 1067. That’s a lot!

Florida State Laws

Every state has laws that are particular to that state, driving is no exception. In order to follow the laws of Florida, you’ll need to know all of the most important laws. After all, the last thing we want for you is to get a ticket for breaking a law you didn’t even know existed.

– Car insurance Laws

There are specific laws pertaining to just car insurance that is applicable in all states, although they all vary to some degree as to how they handle it.

Keep reading to find out more about the different Florida specific car insurance laws you’ll want to know.

– How State Laws for Insurance are Determined

The good news for drivers is that car insurance companies are not the ones who get to dictate what car insurance laws and rates get approved. There’s a process that must occur for the different laws and rates to get approved.

Any and all car insurance forms and rates are required to be filed and approved by Florida’s Office of Insurance Regulation and must wait for a period of 30 days before it will be enacted.

– Windshield Coverage

According to a Florida statute, if you have comprehensive insurance, there is no deductible you have to meet for car windshields.

Companies are not required to use OEM parts should you need to fix/repair your windshield, but have to meet a standard for replacement parts.

– High-Risk Insurance

A high-risk driver is typically someone who has been caught driving without insurance or has been caught driving under the influence. If this applies to you, you may be wondering, well how can I get insurance?

It’s required that you carry car insurance in order to legally drive, but it can be hard to find a provider who is willing to provide affordable coverage given this kind of record.

In Florida, this may mean that you will need to file for an SR-22 or FR-44. These two forms will work as your proof of insurance. What’s the difference between the two?

You would need to file for an SR-22 form if you’ve been caught in any of the following situations:

  • Driving without insurance
  • Too many points on your driver’s license
  • Revoked/Suspended driver’s license
  • Been in a car accident that caused injury/property damage

With the SR-22 form, you may be required to carry this form for up to two years, or three years in other high-risk reasons.

An FR-44 form, on the other hand, is for drivers that are even higher risk.

According to the Florida DMV:

FR-44 certificates are required when a driver has been convicted of a DUI and did not hold the following amounts of coverage for bodily injury liability and property damage liability insurance on the date of the arrest:

  • $100,000 for the injuries of any one person

  • $300,000 for the injuries to all people in one accident

  • $50,000 for property damage liability (PDL)

So if you are in need of some form of insurance and have gone through any of the situations above, you have options!

– Automobile Insurance Fraud in Florida

Did you know that insurance companies lose, on average, about 10 percent due to fraud? Don’t think that sounds that bad? Well, according to the Insurance Information Institute (III), that equates to about $30 billion, EACH YEAR!

What makes this worse is that according to a study conducted in 2008, of the 12 no-fault states, Florida had the highest rate of car insurance fraud for BOTH bodily injury and person injury protection.

Unfortunately, this is a common issue in no-fault states. To combat this, however, Florida implemented a no-fault auto insurance bill that, as a result, reduced the fraud rate in the state. This law states that if a Florida citizen does commit insurance fraud, they get a civil penalty which comes with the following consequences:

  • First Time Offense: up to $5,000 fine
  • Second Time Offense: fine between $5,000 and $10,000
  • Third Time Offense: fine between $10,000 and $15,000

Have any questions or concerns? Make sure to check out the Florida Office of Insurance Regulation!

We recommend that you avoid all of these costly consequences and only submit claims to your insurance company for valid claims. It’s simply not worth all of the hassle!

– Statute of Limitations

If you are involved in an accident, chances are that you’ll want to submit claims for personal injury, property damage, or both. If you are, you will want to know the statute of limitations laws in Florida.

What is the statute of limitations? It’s essentially the amount of time that you have in order to submit your claim.

In Florida, you have four years for both personal injury and property damage claims.

This may sound like a lot of time, however, time can fly quickly if you are dealing with the repercussions of an accident. Things such as hospital stays and vehicle repairs can take time to do. So make sure you have the time you need to make the claims you need.

– Vehicle Licensing Laws

Just like with car insurance, there are laws regarding vehicle licensing. Whether you’re a newer driver or an older driver, there are rules that you will need to adhere to in order to be able to legally drive in the state.

– Penalties for Driving Without Insurance

If you are ever caught driving without insurance, there are penalties that you will be facing. We mentioned the SR-22 form you will be required to have and hold, but there are other consequences as well!

First OffenseSecond OffenseThird Offense (and Beyond)
Suspension of license and registration until reinstatement fee ($150) is paid and non-cancelable coverage is securedSuspension of license and registration until reinstatement fee ($250) is paid and non-cancelable coverage is securedSuspension of license and registration until reinstatement fee ($500) is paid and non-cancelable coverage is secured

– Teen Driver Laws

Do you have a teen driver ready for the road and ready to jump behind the wheel? Not so fast. There are a few requirements and restrictions that will need to be followed.

Type of LicenseAge RequirementsPre-RequisitesPassenger RestrictionsDriving Restrictions
Learners PermitMinimum 15–Complete the DATA course (can take it at age 14)
–Take the DMV test (can take it at age 14.5
–At age 15, take a vision test at DMV
Must be a licensed driver of 21 or older in the front passenger seatCan't drive after sunset for the first 3 months and then can't drive after 10 p.m.
Restricted LicenseMinimum 16–12-month holding period
–Minimum supervised 50 hours of driving (10 must be at night)
noneNo driving from 11 p.m.-6 a.m. for 16 year-olds; No driving from 1 a.m.-5 a.m. for 17 year-olds
Unrestricted LicenseMinimum 18Must satisfy all previous requirementsnonenone

– License Renewal Procedures

According to the Insurance Insitute for Highway Safety (IIHS), the following license renewal procedures are required for Florida citizens:

 General PopulationOlder Population
License Renewal Cycleevery 8 yearsevery 6 years for people 80 years and older
Proof of Adequate Visionwhen renewing in person80 and older, every renewal
Mail/Online Renewal Permittedboth, every other renewalboth, every other renewal

If you are an elderly citizen, there are a few extra things you will want to remember in order to keep your driver’s license.

In addition, according to the Florida Statute Section 627.052, drivers who are 55 years and older are authorized to complete a Mature Driver (Senior Citizen) Discount course, which is approved by the Florida Department of Highway Safety and Motor Vehicles (FLHSMV).

If this course is completed, you are able to turn in a certificate to your insurance provider for an insurance discount. This discount lasts for approximately three years as long as the driver maintains a safe driving record.

– New Residents

Decided to make Florida your home? Well, in order to make the transition, you will need to exchange your out-of-state license for a Florida one. Luckily you won’t need to take any sort of knowledge test, but you will be required to perform a vision exam!

– Rules of the Road

Safe driver, safe roads. That’s what we all want! In order to drive safely, you’ll want to know what rules you need to follow on the road. Not knowing what rules you need to follow can lead to tickets, fines, and worse, accidents.

Keep reading to find out more about Florida’s rules of the road!

– Fault Versus No-Fault

As mentioned previously, Florida is a no-fault state. This means that no matter who is at fault for the accident, your insurance provider is the one who will pay for your expenses.

So making sure you have more than the minimum insurance coverage could mean the difference if you are ever in an accident!

– Seat Belt and Car Seat Laws

Click it, or ticket. It’s a commonly heard phrase on the road, and it’s an important one. You are required to wear a seat belt in Florida. Anyone from the age of six years and older are allowed to ride in the front passenger seat and therefore required to wear a seatbelt.

If you are caught without your seat belt, you could be facing a $30 fine (not including any additional fees that may apply) just for a first-time offense.

It’s a little different though for car seat laws. Children who are five years and younger must be in a car seat, no exceptions. They are not permitted to be in an adult seat belt unless in the situation of an emergency.

– Keep Right and Move Over Laws

Keep Right and Move Over Laws are very simple to understand, and kind of bleed into one another. We’ll show you what we mean.

If you are driving slower than the traffic around you, you will need to move out of the left lane so that you don’t block traffic.

Think of it this way: If you are slower than the traffic around you, keep in the right lane.

– Speed Limits

Road TypeSpeed Limit
Rural interstates (mph)70
Urban interstates (mph)65
Other limited access roads (mph)70
Other roads (mph)65

– Ridesharing

Everyone in this day and age has heard of ridesharing services such as Uber and Lyft. With their increased popularity for use, as well as popularity as a side job for the everyday working citizen, the need for laws and regulations for these services has been addressed.

In Florida, there are only two companies who provide coverage specifically for ridesharing: Foremost (of Farmers) and Prime.

If you are a rider using these services, you can rest assured that there are many insurance requirements that drivers must follow:

  • Drivers need to have their own insurance policies with at least the minimum liability coverage
  • When the rideshare app is opened, the company (such as Uber, Lyft, etc) are required to provide higher coverage

In addition, these companies want to make sure that the riders are safe, and have the following restrictions for hiring drivers:

  • Can’t be a registered sex offender
  • Must have a valid license and registration
  • Can’t have had your license revoked/suspended within the past three years
  • Can’t have been convicted of a DUI, hit-and-run, or other serious driving violations within the past five years

– Automation on the Road

Did you know that automated driving in Florida is legal? This means that you can drive any sort of automated vehicle as long as you have a license.

This is a new topic of conversation with all of the new technology coming out in vehicles, so make sure to visit the Florida Department of Transportation to find out more about automated driving.

– Safety Laws

In addition to knowing some of the basic rules of the road, you’ll want to know the specific safety laws that are enacted in Florida. These rules have been put into place to keep you safe, so knowing what to expect in Florida will help keep you and your loved ones as safe as possible.

– DUI Laws

Drinking and driving is one of the most avoidable offenses known to any driving law. If you are caught driving with a blood alcohol content (BAC) of 0.08 percent or more, you immediately will be charged with a DUI.

Check out some of the DUI laws in Florida in the table down below.

Penalty TypeFirst OffenseSecond OffenseThird OffenseFourth (or Subsequent) Offense
License Suspension or Revocation180 days to 1 year– 2nd in 5 years= min 5-year revocation
– 2nd in 6+ years= 180 days to 1 year revocation
– 3rd in 10 years of 2nd conviction= min 10-year revocation, may be eligible for hardship
– Reinstatement after 2 years
Mandatory permanent revocation with no hardship reinstatement allowed
Imprisonment– 8 hours to 6 months
– High BAC (.15) or minor in car= 9 months or less
– For a first conviction, total period of probation and incarceration may not exceed 1 year
– 9 months or less
– High BAC or minor in car= 12 months or less
– 2nd in 5 years= mandatory imprisonment at least 10 days with 48 hours consecutive confinement
– If 3rd in 10 years, mandatory 30 days with 48 consecutive hours
– If 3rd in over 10 years, imprisonment no more than 12 months
5 years or less
Fine– $500-$1000
– High BAC or minor in car= $1000-$2000
– $1000-$2000
– High BAC or minor in car= $2000-$4000
– More than 10 years from 2nd conviction= $2000-$5000
– High BAC or minor in car= $4000 min
$2000 min
Other– Car impounded for 10 days unless family has no other transportation
– Mandatory 50 hours community service (CS) or additional fine of $10 for each hour of CS required
2nd in 5 years= car impounded for 30 days unless family has no other transportation3rd in 10 years= car impounded for 90 days unless family has no other transportation

After three offenses a DUI is considered a felony in Florida. Save yourself the trouble and don’t drink and drive! Make sure you have a safe ride home after drinking, it’s not worth your life or the life of someone else!

– Marijuana-Impaired Driving Laws

With the legalization of marijuana in many states, new laws and restrictions have been created surrounding it. Florida, who has not legalized marijuana recreationally, there are currently no laws specific to driving while marijuana-impaired.

– Distracted Driving Laws

Ever since the dawn of the cellphone age, there have been many concerns about distracted driving.

Since then, there have been many laws created and enforced to help protect drivers on the road.

Effective October 1st, 2019, the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) says that the Florida law prohibits all drivers from using handheld devices in work and school zones.

As well, texting while driving is now a primary offense (effective July 1st, 2019). That second you spending looking at your phone to reply to a text is a second away from paying attention to the road.

Don’t believe us? Watch the following video from IIHS to find out about the dangers of distracted driving.

Florida Can’t-Miss Facts

Down to the last section, way to go! In this last part of our comprehensive guide, we will cover a few facts and statistics about Florida driving.

– Vehicle Thefts

One of the worst things that can happen to your vehicle, something you’ve put your hard-earned money and resources into, has been stolen, but it’s an unfortunate part of owning a vehicle. Below, we’ve compiled our data to give you a better view as to what kinds of vehicles are looking to steal in Florida, as well as the cities with the most vehicle thefts.

Top vehicles stolen in Florida

Top Cities in Florida for vehicle theft

– Road Dangers in Florida

Accidents happen, but knowing the specific causes of some of the more common crash types will help arm you to stay safe on the road. We’ve covered various statistics about vehicle fatalities from weather conditions, demographics, and more.

According to the National Highway Traffic Safety Administration (NHSTA), the data displayed down below are all of the fatalities seen in Florida.

– Fatal Crashes by Weather Condition and Light Condition

Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal
Normal1,12580165814742,735
Rain61473150144
Snow/Sleet000000
Other38243240
Unknown012003
TOTAL1,18985771515562,922

– Crashes by Road Type Fatalities

Florida Traffic Fatalities2008200920102011201220132014201520162017
Total2,9802,5602,4442,4002,4312,4032,4942,9383,1763,112
Rural1,1611,035946968873969634859870674
Urban1,8091,4981,4821,4201,5551,4341,8601,9722,2751,731
Unknown1027161230010731707

– Person Type Fatalities

Vehicle Type2015 Fatalities2016 Fatalities2017 Fatalities
Passenger Car9031,0481,001
Light Truck – Pickup213289256
Light Truck – Utility271262306
Light Truck – Van739477
Light Truck – Other282
Large Truck313045
Other/Unknown Occupants253430
Total Occupants1,5181,7711,717
Bus060
Total Motorcyclists615586590
Pedestrian629653654
Bicyclist and Other Cyclist150138125
Other/Unknown Nonoccupants262826
Total Nonoccupants805819805
Total2,9383,1763,112

– Crash Type Fatalities

Crash Type20132014201520162017
Single Vehicle1,3761,3951,6001,6961,622
Involving a Large Truck197190225293292
Involving Speeding346245320310299
Involving a Rollover431371481573538
Involving a Roadway Departure9579401,0711,2031,122
Involving an Intersection7648031,0091,0431,134
Total Fatalities (All Crashes)2,4032,4942,9383,1763,112

– Five-Year Trend For The Top 10 Counties

RankingCounty20132014201520162017
1Miami-Dade County225280339294285
2Broward County180173224245225
3Hillsborough County171158190228190
4Orange County124143142171189
5Palm Beach County137130187181162
6Duval County133120133156151
7Volusia County908687122130
8Pinellas County83116103128118
9Lee County928195105113
10Polk County94113112137111
TotalAll Counties2,4032,4942,9383,1763,112

– Speeding Fatalities by County

County NameSpeeding Fatalities (2015)Speeding Fatalities (2016)Speeding Fatalities (2017)
Jefferson County301
Holmes County400
Levy County721
Desoto County630
Hamilton County214
Lafayette County100
Glades County101
Jackson County342
Gilchrist County101
Suwannee County223
Highlands County302
Columbia County223
Hernando County510
Putnam County201
Polk County181113
Marion County9710
Palm Beach County373118
Lee County181221
Leon County733
Hillsborough County302722
Gadsden County164
Alachua County568
Lake County632
Charlotte County352
Sumter County200
Broward County302822
Walton County123
Volusia County8129
Sarasota County6114
Pinellas County141316
Citrus County222
Brevard County8915
Pasco County764
Indian River County230
Martin County282
Bay County275
Miami-Dade County293023
St. Lucie County334
Flagler County112
St. Johns County214
Orange County101019
Seminole County355
Escambia County238
Santa Rosa County102
Okaloosa County132
Clay County132
Duval County4911
Osceola County100
Collier County112
Manatee County151
Baker County011
Bradford County010
Calhoun County000
Dixie County000
Franklin County000
Gulf County000
Hardee County000
Hendry County032
Liberty County010
Madison County000
Monroe County011
Nassau County010
Okeechobee County003
Taylor County011
Union County000
Wakulla County001
Washington County001

– Alcohol-Impaired Driving Fatalities

County NameFatalities 2015Fatalities 2016Fatalities 2017
Hamilton County214
Gadsden County164
Glades County101
Okeechobee County003
Jefferson County301
Suwannee County223
Gilchrist County101
Hendry County032
Taylor County011
Walton County123
Columbia County223
Jackson County342
Washington County001
Baker County011
Wakulla County001
Alachua County568
Lee County181221
Marion County9710
Bay County275
Brevard County8915
Escambia County238
Levy County721
Highlands County302
Polk County181113
Flagler County112
Volusia County8129
Pinellas County141316
St. Johns County214
Hillsborough County302722
Orange County101019
Citrus County222
Putnam County201
Monroe County011
St. Lucie County334
Martin County282
Palm Beach County373118
Duval County4911
Santa Rosa County102
Broward County302822
Charlotte County352
Seminole County355
Leon County733
Okaloosa County132
Sarasota County6114
Clay County132
Miami-Dade County293023
Pasco County764
Lake County632
Collier County112
Manatee County151
Holmes County400
Desoto County630
Lafayette County100
Hernando County510
Sumter County200
Indian River County230
Osceola County100
Bradford County010
Calhoun County000
Dixie County000
Franklin County000
Gulf County000
Hardee County000
Liberty County010
Madison County000
Nassau County010
Union County000

– Teen Drinking and Driving

What makes the above statistics so heartbreaking? This INCLUDES teen drivers as well.

According to the FBI UCR, Florida ranks as the 47th for the number of DUI arrest for drivers 18 years old and younger. That’s pretty good, but that still doesn’t make up for the fact that this means that there were, in this data collection from 2016, 109 DUI arrests for teens.

What about for drivers who are over 18, but still under 21 years of age?

Well, according to Responsibility.org, there are about 1.6 fatalities per 100,000 people in Florida. The national average for this? 1.2 fatalities per 100,000 people. That means that underage drinking-related fatalities are HIGHER than the national average!

– EMS Response Time

Rural vs. UrbanTimeNumberPercentNumberPercentNumberPercent
Rural Fatal Crashes0 to 10872.7%654.5%00%
11 to 2019.1%327.3%00%
31 to 4019.1%19.1%00%
41 to 5000%19.1%00%
61 to 12019.1%00%00%
Total11100%11100%00%
Urban Fatal Crashes0 to 1023100%2596.2%00%
11 to 2000%13.8%00%
31 to 4000%00%1100%
Total23100%26100%1100%

– Transportation

Check out the information down below about the various transportation in Florida!

– Car Ownership

According to Data USA, Florida citizens own on average approximately two vehicles per household.

Car Ownership in Florida

– Commute Time

How long does it typically take you to get to work? Well, according to Data USA, it takes an average travel time of 26.1 minutes for Florida citizens to get to work. This is HIGHER than the national average of 25.5 minutes.

Commute Time in Florida

– Commuter Transportation

The most common method of travel in Florida, according to Data USA, is to drive alone. At a whopping 79.4 percent, it is the highest-ranking method of commuter transportation.

Commuter Transportation in Florida

– Traffic Congestion in Florida

Needless to say, Florida is a gorgeous place, and there are a lot of people who reside there. Meaning, that there is a LOT of traffic in Florida.

This won’t make drivers feel any better, as according to the INRIX scorecard, Florida has FIVE major cities that have made it onto the global traffic congestion index.

CityHours Spent in TrafficPeak (Time in Traffic)Daytime (Time in Traffic)Overall (Time in Traffic)
Miami6413%7%9%
Orlando3411%6%7%
Tampa2813%5%7%
Clearwater219%5%6%
Jacksonville219%4%6%

Not to mention that on TomTom, these cities are ranked as the following:

  • Miami:
    • Rank: 101
    • Congestion Level: 30 percent (down by 1 percent)
    • Morning Peak: 52 percent
    • Evening Peak: 63 percent
    • Highways: 20 percent
    • Non-Highways: 35 percent
  • Orlando
    • Rank: 221
    • Congestion Level: 22 percent (down by 0 percent)
    • Morning Peak: 33 percent
    • Evening Peak: 52 percent
    • Highways: 12 percent
    • Non-Highways: 27 percent
  • Tampa
    • Rank: 207
    • Congestion Level: 23 percent (down by 0 percent)
    • Morning Peak: 39 percent
    • Evening Peak: 53 percent
    • Highways: 18 percent
    • Non-Highways: 25 percent
  • Jacksonville
    • Rank: 314
    • Congestion Level: 17 percent (down by 1 percent)
    • Morning Peak: 32 percent
    • Evening Peak: 43 percent
    • Highways: 10 percent
    • Non-Highways: 22 percent

Ranked in the one to three hundred range isn’t so bad, right? Well, considering this is on a GLOBAL scale, it doesn’t mean it’s good either.

If that wasn’t enough, according to Numbeo, these cities also have the following ratings:

CityTraffic IndexTime Index (in minutes)Time Exp. IndexInefficiency IndexCO2 Emission Index
Miami212.7943.022635.68240.5510591.95
Orlando18137.08909.89230.669716.53
Tampa175.7436.33769.44206.289469.6
Jacksonville171.0235.19585.71222.859350.92

That was an earful! The bottom line of all this data is that there is a good amount of traffic in several cities in Florida, so make sure you allocate enough time for yourself to get around.

You did it! You’ve made to the end! We hope that this comprehensive guide was helpful to you, and was able to give you the confidence you need to select the best coverage and rates to fit YOUR needs.

Want to start comparing rates in your area now? Don’t forget to use our FREE online tool below, all you need is your zip code.

References:
  1. https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists
  2. https://www.allstate.com/tr/car-insurance/electronic-insurance-card.aspx
  3. http://www.calculatorpro.com/calculator/insurance-cost-calculator/
  4. https://www.naic.org/
  5. https://www.jdpower.com/business/press-releases/2019-us-auto-insurance-study
  6. https://www.floir.com/siteDocuments/2017AnnualReport.pdf
  7. http://laws.flrules.org/1997/178
  8. http://www.carwindshields.info/states
  9. https://www.flhsmv.gov/pdf/frmanual/ftp-procedure-manual.pdf
  10. https://www.dmv.org/fl-florida/car-insurance.php
  11. https://www.iii.org/article/background-on-insurance-fraud
  12. http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0800-0899/0817/Sections/0817.234.html
  13. https://www.floir.com/
  14. http://www.leg.state.fl.us/Statutes/index.cfm?App_mode=Display_Statute&URL=0000-0099/0095/Sections/0095.11.html
  15. https://www.iihs.org/topics/older-drivers/license-renewal-laws-table
  16. http://www.leg.state.fl.us/Statutes/index.cfm?App_mode=Display_Statute&Search_String=&URL=0600-0699/0627/Sections/0627.0652.html
  17. https://www.flhsmv.gov/driver-licenses-id-cards/florida-granddriver/mature-driver-discount-insurance-courses/
  18. http://www.automatedfl.com/
  19. https://www.carinsurancecomparison.com/what-company-has-the-best-dui-car-insurance-quotes/
  20. https://www.responsibility.org/get-the-facts/state-map/state/florida/issue/marijuana-drug-impaired-driving-laws/
  21. https://www.iihs.org/
  22. https://cdan.nhtsa.gov/SASStoredProcess/guest
  23. https://ucr.fbi.gov/crime-in-the-u.s/2016/crime-in-the-u.s.-2016/tables/table-22
  24. https://www.responsibility.org/wp-content/uploads/2018/02/2016-Under-21-Alcohol-Impaired-Driving-Fatalities-Per-100000-Population-by-State.pdf
  25. https://datausa.io/profile/geo/florida/#category_transportation
  26. http://inrix.com/scorecard/
  27. https://www.tomtom.com/en_gb/traffic-index/ranking/
  28. https://www.tomtom.com/en_gb/traffic-index/miami-traffic#statistics
  29. https://www.tomtom.com/en_gb/traffic-index/orlando-traffic#statistics
  30. https://www.tomtom.com/en_gb/traffic-index/tampa-traffic#statistics
  31. https://www.tomtom.com/en_gb/traffic-index/jacksonville-traffic#statistics
  32. https://www.numbeo.com/traffic/region_rankings.jsp?title=2019&region=021

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