Florida Auto Insurance [Rates + Cheap Coverage Guide]

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Florida Summary Stats
Road Miles Total Miles in State: 122,391
Vehicle Miles Driven: 201.04 Billion
Driving Deaths Speeding: 299

Drunk-Driving: 839
Vehicles Registered: 14,946,691
Stolen: 42,579
Most Popular Vehicle Toyota Corolla
Average Premiums Liability: $857.64
Collision: $282.96
Comprehensive: $116.53
Combined Premiums: $1,257.13
Percent of Motorists Uninsured 26.70%
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 $37,195.00 3.22%
2013 $1,209.70 $36,606.00 3.30%
2014 $1,208.77 $38,350.00 3.15%

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 Type Average 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 Ratio 2012 2013 2014
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.

Company Married 35-year old female Married 35-year old male Married 60-year old female Married 60-year old male Single 17-year old female Single 17-year old male Single 25-year old female Single 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!

City Zip Code Average
MIAMI 32003 $4,195.73
MIAMI 32007 $4,077.98
MIAMI 32008 $3,713.48
MIAMI 32009 $4,061.05
MIAMI 32011 $4,120.94
MIAMI 32024 $3,826.13
MIAMI 32025 $3,868.18
HIALEAH 32030 $4,207.37
MIAMI 32033 $3,836.69
MIAMI 32034 $4,108.56
HIALEAH 32038 $3,803.26
MIAMI 32040 $4,089.95
HIALEAH 32042 $4,523.13
MIAMI 32043 $4,126.30
MIAMI 32044 $3,965.69
MIAMI 32046 $4,062.90
MIAMI 32052 $3,775.04
MIAMI 32053 $3,726.17
MIAMI 32054 $3,910.22
MIAMI 32055 $3,840.06
OPA LOCKA 32058 $3,995.84
MIAMI 32059 $3,727.51
HIALEAH 32060 $3,723.18
MIAMI 32061 $3,871.34
MIAMI 32062 $3,717.73
MIAMI 32063 $4,126.59
MIAMI 32064 $3,723.18
HIALEAH 32065 $4,195.73
HOMESTEAD 32066 $3,747.46
MIAMI 32068 $4,195.73
MIAMI 32071 $3,713.48
MIAMI 32072 $4,527.98
TAMPA 32073 $4,248.62
MIAMI 32080 $3,855.03
MIAMI 32081 $3,873.37
TAMPA 32082 $3,916.43
MIAMI 32083 $3,993.09
HOMESTEAD 32084 $3,858.80
MIAMI 32086 $3,840.45
MIAMI 32087 $4,059.80
TAMPA 32091 $3,995.84
MIAMI 32092 $3,858.80
MIAMI 32094 $3,750.24
OPA LOCKA 32095 $3,858.80
OPA LOCKA 32096 $3,769.59
HIALEAH 32097 $4,113.81
HOMESTEAD 32099 $4,494.42
HOMESTEAD 32102 $3,837.18
HOMESTEAD 32105 $4,013.60
MIAMI 32110 $3,919.81
MIAMI 32111 $3,828.05
HOMESTEAD 32112 $3,978.67
TAMPA 32113 $3,752.97
TAMPA 32114 $4,031.15
HIALEAH 32117 $4,031.15
MIAMI 32118 $4,037.60
TAMPA 32119 $3,943.69
MIAMI 32124 $3,970.69
TAMPA 32127 $3,962.36
HOMESTEAD 32128 $3,955.91
MIAMI 32129 $3,955.91
MIAMI 32130 $4,073.57
MIAMI 32131 $3,996.97
MIAMI 32132 $3,942.87
MIAMI 32133 $3,752.97
TAMPA 32134 $3,808.63
TAMPA 32136 $3,919.81
MIAMI 32137 $3,919.81
MIAMI 32138 $3,978.67
KEY BISCAYNE 32139 $3,978.67
MIAMI 32140 $3,929.81
TAMPA 32141 $3,997.24
MIAMI 32143 $3,958.88
MIAMI 32145 $3,865.58
MIAMI 32147 $3,978.67
MIAMI BEACH 32148 $3,978.67
MIAMI 32157 $3,978.67
NORTH MIAMI BEACH 32159 $3,710.73
MIAMI 32160 $3,959.78
MIAMI 32162 $3,698.88
TAMPA 32163 $3,858.02
TAMPA 32164 $3,919.81
HALLANDALE 32168 $3,962.36
MIAMI 32169 $3,942.87
MIAMI 32174 $3,970.69
MIAMI 32176 $4,031.15
MIAMI 32177 $4,077.98
LAKE WORTH 32179 $3,752.97
DANIA 32180 $3,977.67
HOLLYWOOD 32181 $3,978.67
MIAMI 32182 $3,752.97
MIAMI BEACH 32185 $3,978.67
MIAMI 32187 $3,996.97
HOLLYWOOD 32189 $3,978.67
FORT LAUDERDALE 32190 $3,959.37
MIAMI BEACH 32192 $3,752.97
LAKE WORTH 32193 $3,978.67
LAKE WORTH 32195 $3,817.86
LAKE WORTH 32202 $4,540.13
WEST PALM BEACH 32204 $4,551.79
WEST PALM BEACH 32205 $4,688.66
FORT LAUDERDALE 32206 $4,548.58
WEST PALM BEACH 32207 $4,659.87
WEST PALM BEACH 32208 $4,637.20
TAMPA 32209 $4,548.58
TAMPA 32210 $4,655.01
HOLLYWOOD 32211 $4,646.26
TAMPA 32212 $4,489.16
MIAMI BEACH 32216 $4,404.35
PALM BEACH 32217 $4,428.97
FORT LAUDERDALE 32218 $4,539.33
FORT LAUDERDALE 32219 $4,539.33
FORT LAUDERDALE 32220 $4,494.42
DELRAY BEACH 32221 $4,494.42
FORT LAUDERDALE 32222 $4,493.80
TAMPA 32223 $4,297.99
TAMPA 32224 $4,297.99
BOYNTON BEACH 32225 $4,333.47
BOYNTON BEACH 32226 $4,424.47
LAKE WORTH 32227 $4,297.99
POMPANO BEACH 32233 $4,297.99
DELRAY BEACH 32234 $4,336.33
POMPANO BEACH 32244 $4,547.56
WEST PALM BEACH 32246 $4,333.47
WEST PALM BEACH 32250 $4,297.99
WEST PALM BEACH 32254 $4,547.34
WEST PALM BEACH 32256 $4,297.99
TAMPA 32257 $4,428.97
DELRAY BEACH 32258 $4,297.99
DELRAY BEACH 32259 $3,857.32
BOYNTON BEACH 32266 $4,295.77
BOYNTON BEACH 32277 $4,509.06
LAKE WORTH 32301 $3,930.22
POMPANO BEACH 32303 $3,930.22
DELRAY BEACH 32304 $3,930.22
HOLLYWOOD 32305 $3,978.28
BOYNTON BEACH 32306 $3,930.22
BOYNTON BEACH 32307 $3,930.22
FORT LAUDERDALE 32308 $3,930.22
WEST PALM BEACH 32309 $3,930.22
WEST PALM BEACH 32310 $3,930.22
FORT LAUDERDALE 32311 $3,930.22
FORT LAUDERDALE 32312 $3,930.22
POMPANO BEACH 32313 $3,930.22
DEERFIELD BEACH 32317 $3,930.22
POMPANO BEACH 32320 $3,855.07
POMPANO BEACH 32321 $3,841.94
BOCA RATON 32322 $3,857.79
BOCA RATON 32323 $3,857.79
WEST PALM BEACH 32324 $3,787.33
WELLINGTON 32327 $3,799.48
POMPANO BEACH 32328 $3,857.79
POMPANO BEACH 32330 $3,773.68
TAMPA 32331 $3,646.33
TAMPA 32332 $3,787.33
TAMPA 32333 $3,773.68
HOLLYWOOD 32334 $3,841.94
MIAMI BEACH 32335 $4,384.55
POMPANO BEACH 32336 $3,845.52
TAMPA 32337 $3,868.15
BOCA RATON 32340 $3,727.51
BOCA RATON 32343 $3,773.68
BOCA RATON 32344 $3,845.52
BOCA RATON 32346 $3,799.48
BOCA RATON 32347 $3,702.07
DEERFIELD BEACH 32348 $3,702.07
FORT LAUDERDALE 32350 $3,727.51
BRANDON 32351 $3,773.68
POMPANO BEACH 32352 $3,787.33
POMPANO BEACH 32355 $3,799.48
BOCA RATON 32356 $3,716.93
POMPANO BEACH 32357 $3,702.07
FORT LAUDERDALE 32358 $3,799.48
BOCA RATON 32359 $3,700.56
TAMPA 32360 $4,384.55
FORT LAUDERDALE 32401 $3,773.01
HOLLYWOOD 32403 $3,779.37
FORT LAUDERDALE 32404 $3,773.01
FORT LAUDERDALE 32405 $3,773.01
FORT LAUDERDALE 32407 $3,773.01
FORT LAUDERDALE 32408 $3,773.01
FORT LAUDERDALE 32409 $3,773.01
FORT LAUDERDALE 32410 $3,773.01
FORT LAUDERDALE 32413 $3,773.01
FORT LAUDERDALE 32420 $3,732.83
FORT LAUDERDALE 32421 $3,882.41
FORT LAUDERDALE 32422 $3,684.30
TAMPA 32423 $3,740.42
FORT LAUDERDALE 32424 $3,889.99
FORT LAUDERDALE 32425 $3,761.04
HOLLYWOOD 32426 $3,740.42
TAMPA 32427 $3,719.90
FORT LAUDERDALE 32428 $3,726.32
FORT LAUDERDALE 32430 $3,874.81
HOLLYWOOD 32431 $3,740.42
FORT LAUDERDALE 32433 $3,684.30
RIVERVIEW 32434 $3,684.30
HOLLYWOOD 32435 $3,684.30
FORT LAUDERDALE 32437 $3,707.52
FORT LAUDERDALE 32438 $3,784.04
TAMPA 32439 $3,678.84
HOLLYWOOD 32440 $3,767.46
DURANT 32442 $3,740.42
SYDNEY 32443 $3,740.42
SUN CITY 32444 $3,773.01
WEST PALM BEACH 32445 $3,740.42
BRANDON 32446 $3,740.42
LUTZ 32448 $3,740.42
GIBSONTON 32449 $3,882.40
ODESSA 32452 $3,761.04
TAMPA 32455 $3,752.24
SEFFNER 32456 $3,821.54
LUTZ 32459 $3,675.48
RIVERVIEW 32460 $3,740.42
THONOTOSASSA 32461 $3,743.34
LUTZ 32462 $3,711.10
RIVERVIEW 32463 $3,726.32
LOXAHATCHEE 32464 $3,752.24
LUTZ 32465 $3,821.54
NEW PORT RICHEY 32466 $3,784.04
NEW PORT RICHEY 32501 $4,114.16
PORT RICHEY 32502 $4,131.70
HOLIDAY 32503 $4,131.70
PALM HARBOR 32504 $4,131.70
VALRICO 32505 $4,131.70
SAINT PETERSBURG 32506 $4,131.70
SAINT PETERSBURG 32507 $4,131.70
SAINT PETERSBURG 32508 $4,131.70
SAINT PETERSBURG 32514 $4,184.02
SAINT PETERSBURG 32526 $4,131.70
HOLIDAY 32531 $3,763.29
NEW PORT RICHEY 32533 $4,202.55
ARIPEKA 32534 $4,166.48
PALM HARBOR 32535 $3,965.35
CANAL POINT 32536 $3,725.92
LITHIA 32537 $3,725.92
PINELLAS PARK 32538 $3,726.26
BELLE GLADE 32539 $3,725.92
SOUTH BAY 32541 $3,653.93
VALRICO 32542 $3,652.75
SAINT PETERSBURG 32544 $3,652.75
CLEARWATER 32547 $3,652.75
DUNEDIN 32548 $3,652.75
PAHOKEE 32550 $3,597.34
SAINT PETERSBURG 32561 $3,842.12
SAINT PETERSBURG 32563 $3,842.12
SAINT PETERSBURG 32564 $3,763.29
NEW PORT RICHEY 32565 $3,793.82
SAINT PETERSBURG 32566 $3,842.12
SAINT PETERSBURG 32567 $3,725.92
SAINT PETERSBURG 32568 $3,965.35
CLEARWATER 32569 $3,652.75
CLEARWATER 32570 $3,965.75
SAINT PETERSBURG 32571 $3,961.67
SAINT PETERSBURG 32577 $4,137.28
TARPON SPRINGS 32578 $3,652.75
OZONA 32579 $3,652.75
OLDSMAR 32580 $3,652.75
CRYSTAL BEACH 32583 $3,971.78
PINELLAS PARK 32601 $3,489.42
DOVER 32603 $3,494.66
CLEARWATER 32605 $3,494.66
CLEARWATER 32606 $3,494.66
CLEARWATER 32607 $3,494.66
LARGO 32608 $3,494.66
CLEARWATER 32609 $3,489.42
SAFETY HARBOR 32610 $3,504.58
HUDSON 32611 $3,494.66
HUDSON 32612 $3,492.52
CLEARWATER 32615 $3,490.52
LAND O LAKES 32617 $3,752.97
LARGO 32618 $3,486.59
LARGO 32619 $3,665.61
SEMINOLE 32621 $3,673.62
WESLEY CHAPEL 32622 $3,932.71
CLEARWATER 32625 $3,677.88
PALM BEACH GARDENS 32626 $3,677.88
LAND O LAKES 32628 $3,679.57
NORTH PALM BEACH 32631 $3,523.03
PALM HARBOR 32633 $3,646.11
LARGO 32634 $3,758.20
CLEARWATER BEACH 32639 $3,664.09
LARGO 32640 $3,646.11
LAKE HARBOR 32641 $3,489.42
SAINT PETERSBURG 32643 $3,486.23
ZEPHYRHILLS 32648 $3,663.20
TARPON SPRINGS 32653 $3,494.66
SAINT PETERSBURG 32654 $3,646.11
SAINT PETERSBURG 32656 $3,889.41
SEMINOLE 32658 $3,490.52
SEMINOLE 32662 $3,646.11
INDIAN ROCKS BEACH 32663 $3,758.20
BELLEAIR BEACH 32664 $3,610.75
ORLANDO 32666 $3,873.81
DADE CITY 32667 $3,486.59
DADE CITY 32668 $3,673.62
ZEPHYRHILLS 32669 $3,486.59
SAN ANTONIO 32680 $3,679.57
ORLANDO 32681 $3,610.75
PLANT CITY 32683 $3,664.09
PLANT CITY 32686 $3,758.20
PLANT CITY 32692 $3,679.57
WIMAUMA 32693 $3,664.79
PLANT CITY 32694 $3,481.35
WESLEY CHAPEL 32696 $3,673.62
PALM BEACH GARDENS 32701 $4,248.40
RUSKIN 32702 $3,817.39
APOLLO BEACH 32703 $4,514.27
SUN CITY CENTER 32706 $4,157.26
LAND O LAKES 32707 $4,282.27
ZEPHYRHILLS 32708 $4,216.77
WESLEY CHAPEL 32709 $4,552.27
SAINT LEO 32712 $4,521.37
TRILBY 32713 $4,127.05
ORLANDO 32714 $4,282.27
ORLANDO 32720 $3,971.43
SPRING HILL 32722 $4,100.98
ORLANDO 32723 $4,164.15
ORLANDO 32724 $4,164.15
JUPITER 32725 $4,235.82
JUPITER 32726 $3,843.20
JUPITER 32730 $4,362.23
ORLANDO 32732 $4,179.60
KISSIMMEE 32735 $3,837.18
ORLANDO 32736 $3,875.81
SPRING HILL 32738 $4,235.82
ORLANDO 32744 $4,112.60
SPRING HILL 32745 $4,172.50
SPRING HILL 32746 $4,179.60
BROOKSVILLE 32747 $4,161.67
SPRING HILL 32750 $4,211.79
ORLANDO 32751 $4,397.77
ORLANDO 32754 $3,913.84
JUPITER 32757 $4,479.24
BROOKSVILLE 32759 $4,100.43
BROOKSVILLE 32763 $4,157.70
ISTACHATTA 32764 $4,099.16
ORLANDO 32765 $4,173.00
KISSIMMEE 32766 $4,179.60
KISSIMMEE 32767 $3,869.80
KISSIMMEE 32768 $4,497.35
KISSIMMEE 32771 $4,161.67
INTERCESSION CITY 32773 $4,168.37
ORLANDO 32775 $3,990.52
ORLANDO 32776 $3,875.81
SAINT CLOUD 32778 $3,843.20
BRADENTON 32779 $4,215.19
BRADENTON 32780 $3,913.84
BRADENTON 32784 $3,851.31
ORLANDO 32789 $4,673.30
ORLANDO 32792 $4,488.64
ORLANDO 32796 $3,913.84
ORLANDO 32798 $4,490.25
ORLANDO 32799 $4,164.27
ORLANDO 32801 $4,685.45
BROOKSVILLE 32803 $4,672.43
SAINT CLOUD 32804 $4,872.35
ORLANDO 32805 $5,104.32
BROOKSVILLE 32806 $4,777.97
NOBLETON 32807 $4,803.23
ORLANDO 32808 $5,185.50
JACKSONVILLE 32809 $5,116.71
ORLANDO 32810 $4,924.58
ORLANDO 32811 $5,104.32
SAINT CLOUD 32812 $4,801.95
WINTER PARK 32814 $4,651.11
KISSIMMEE 32816 $4,692.63
ORLANDO 32817 $4,726.65
ORLANDO 32818 $5,195.54
ORLANDO 32819 $4,656.58
ORLANDO 32820 $4,633.32
JACKSONVILLE 32821 $4,690.51
ORLANDO 32822 $4,902.83
JACKSONVILLE 32824 $5,014.30
ORLANDO 32825 $4,834.48
JACKSONVILLE 32826 $4,726.65
ANNA MARIA 32827 $4,731.81
KENANSVILLE 32828 $4,687.51
JACKSONVILLE 32829 $4,726.18
ORLANDO 32831 $4,666.22
ORLANDO 32832 $4,633.36
PALMETTO 32833 $4,666.22
TERRA CEIA 32834 $4,660.70
ORLANDO 32835 $4,873.49
PORT SAINT LUCIE 32836 $4,624.95
PORT SAINT LUCIE 32837 $4,766.98
KISSIMMEE 32839 $5,116.71
PORT SAINT LUCIE 32901 $4,104.18
PORT SAINT LUCIE 32903 $3,948.38
WINDERMERE 32904 $3,999.26
CHRISTMAS 32905 $4,134.60
JACKSONVILLE 32907 $4,134.60
JACKSONVILLE 32908 $4,132.48
JACKSONVILLE 32909 $4,134.60
FORT PIERCE 32920 $3,930.71
KILLARNEY 32922 $3,990.44
WINTER GARDEN 32925 $3,930.71
JACKSONVILLE 32926 $3,989.52
JACKSONVILLE 32927 $3,913.84
JACKSONVILLE 32931 $3,930.71
JACKSONVILLE 32934 $4,016.93
JACKSONVILLE 32935 $4,045.39
ISLAMORADA 32937 $3,930.71
TAVERNIER 32940 $3,969.04
SAINT CLOUD 32948 $4,177.17
OLUSTEE 32949 $4,134.60
LONG KEY 32950 $4,134.60
KEY WEST 32951 $3,930.71
SUMMERLAND KEY 32952 $3,930.71
BIG PINE KEY 32953 $3,923.13
MARATHON 32955 $3,989.57
KEY COLONY BEACH 32958 $4,105.22
MARATHON SHORES 32960 $4,105.22
OCOEE 32962 $4,120.56
GOTHA 32963 $4,295.63
GRAHAM 32966 $4,100.07
KEY LARGO 32967 $4,100.07
APOPKA 32968 $4,115.41
APOPKA 32970 $4,105.22
JACKSONVILLE 32976 $4,063.73
FORT PIERCE 33001 $4,526.69
FORT PIERCE 33004 $6,331.99
FORT PIERCE 33009 $6,446.92
FORT PIERCE 33010 $7,448.04
HOBE SOUND 33012 $7,304.68
INDIANTOWN 33013 $7,275.81
PALM CITY 33014 $7,025.36
STUART 33015 $6,836.28
STUART 33016 $7,146.88
OKEECHOBEE 33018 $6,873.10
BRADENTON 33019 $6,311.94
CORTEZ 33020 $6,329.66
PLYMOUTH 33021 $6,255.33
JACKSONVILLE 33023 $6,080.97
JACKSONVILLE 33024 $5,888.44
JACKSONVILLE 33025 $5,987.49
JACKSONVILLE 33026 $5,778.15
ZELLWOOD 33027 $5,726.98
DAVENPORT 33028 $5,639.35
DAVENPORT 33029 $5,672.30
JACKSONVILLE 33030 $6,870.04
WINTER PARK 33031 $6,870.04
JENSEN BEACH 33032 $7,024.81
STUART 33033 $6,859.88
MOUNT DORA 33034 $6,870.04
LAKE ALFRED 33035 $6,811.45
LAKE HAMILTON 33036 $4,529.72
HAINES CITY 33037 $4,523.06
WINTER HAVEN 33039 $6,913.51
PORT SAINT LUCIE 33040 $4,526.69
PORT SAINT LUCIE 33042 $4,526.69
OKEECHOBEE 33043 $4,526.69
JACKSONVILLE 33050 $4,526.69
JACKSONVILLE 33051 $4,526.69
BRADENTON 33052 $4,526.69
JACKSONVILLE 33054 $7,162.08
DUNDEE 33055 $6,880.57
ELLENTON 33056 $6,874.79
LAKELAND 33060 $6,085.96
HOMELAND 33062 $5,964.28
LAKESHORE 33063 $5,931.87
INDIAN LAKE ESTATES 33064 $6,028.54
NALCREST 33065 $6,022.32
RIVER RANCH 33066 $5,931.87
JACKSONVILLE 33067 $5,998.07
MAITLAND 33068 $6,151.92
EAGLE LAKE 33069 $6,132.34
WINTER HAVEN 33070 $4,529.72
SUMATRA 33071 $6,022.32
TELOGIA 33073 $5,926.07
PARRISH 33076 $5,998.07
BABSON PARK 33109 $6,635.48
BARTOW 33122 $7,163.83
LAKE WALES 33125 $7,606.64
LAKE WALES 33126 $7,297.22
LAKE WALES 33127 $7,517.24
POLK CITY 33128 $7,404.00
DAVENPORT 33129 $6,921.54
BRADENTON 33130 $7,592.83
BRADLEY 33131 $6,764.17
NICHOLS 33132 $6,830.71
CASSELBERRY 33133 $6,950.58
BRADENTON BEACH 33134 $6,990.92
EATON PARK 33135 $7,606.64
LAKELAND 33136 $7,592.83
LAKELAND 33137 $6,820.17
LAKELAND 33138 $6,726.34
BRADENTON 33139 $5,967.90
AUBURNDALE 33140 $6,304.97
WINTER HAVEN 33141 $6,327.92
MYAKKA CITY 33142 $7,631.16
BRADENTON 33143 $6,328.58
BRADENTON 33144 $7,197.53
LAKELAND 33145 $7,199.47
LAKELAND 33146 $6,418.37
LAKELAND 33147 $7,626.18
LAKELAND 33149 $6,683.63
BRADENTON 33150 $7,428.68
ONECO 33154 $6,228.41
JACKSONVILLE 33155 $6,965.52
JACKSONVILLE 33156 $6,375.97
JACKSONVILLE 33157 $6,435.23
FORT PIERCE 33158 $6,314.10
FORT PIERCE 33160 $6,570.63
FORT MEADE 33161 $6,983.18
FROSTPROOF 33162 $7,110.30
FORT OGDEN 33165 $7,078.68
FORT PIERCE 33166 $6,800.86
MULBERRY 33167 $7,216.08
CLEWISTON 33168 $7,240.81
LAKELAND 33169 $7,078.91
KATHLEEN 33170 $6,884.67
JACKSONVILLE 33172 $6,905.20
JACKSONVILLE 33173 $6,645.51
JACKSONVILLE 33174 $7,178.70
ATLANTIC BEACH 33175 $7,127.61
JACKSONVILLE BEACH 33176 $6,384.00
JACKSONVILLE 33177 $6,884.67
JACKSONVILLE 33178 $6,554.46
NEPTUNE BEACH 33179 $6,863.46
VERO BEACH 33180 $6,549.09
WEBSTER 33181 $6,769.70
CASSELBERRY 33182 $6,904.95
ALTAMONTE SPRINGS 33183 $6,682.41
TALLEVAST 33184 $7,153.93
ORANGE PARK 33185 $6,705.63
AVON PARK 33186 $6,587.52
ALTAMONTE SPRINGS 33187 $6,666.36
DELTONA 33189 $6,777.07
DELTONA 33190 $6,868.71
PALMDALE 33193 $6,753.02
FELDA 33194 $7,023.28
LABELLE 33196 $6,666.36
WINTER SPRINGS 33199 $7,178.70
LONGWOOD 33301 $5,844.67
LONGWOOD 33304 $5,841.64
DOCTORS INLET 33305 $5,834.52
CANTONMENT 33306 $5,823.32
FLEMING ISLAND 33308 $5,823.32
ORANGE PARK 33309 $6,225.37
MIDDLEBURG 33311 $6,305.41
SARASOTA 33312 $6,216.48
PENSACOLA 33313 $6,276.35
GENEVA 33314 $6,203.21
LAKE MARY 33315 $5,889.43
OVIEDO 33316 $5,836.74
FELLSMERE 33317 $5,848.86
SARASOTA 33319 $6,190.56
LONGBOAT KEY 33321 $6,041.03
OVIEDO 33322 $6,047.39
MID FLORIDA 33323 $5,939.29
SANFORD 33324 $5,846.95
LEHIGH ACRES 33325 $5,846.95
PENSACOLA 33326 $5,750.11
MID FLORIDA 33327 $5,655.48
DELAND 33328 $5,784.74
DELAND 33330 $5,727.38
LAKE MONROE 33331 $5,704.74
SANFORD 33332 $5,670.75
ORANGE CITY 33334 $5,922.43
CASSADAGA 33351 $6,041.03
MOLINO 33388 $5,852.01
PALM BAY 33394 $5,783.07
PALM BAY 33401 $6,276.25
PALM BAY 33403 $6,041.67
GRANT 33404 $6,041.67
MALABAR 33405 $6,276.25
PALM BAY 33406 $6,278.75
PENSACOLA 33407 $6,123.88
PENSACOLA 33408 $5,254.51
PENSACOLA 33409 $6,278.75
PENSACOLA 33410 $5,259.51
PENSACOLA 33411 $6,004.71
PENSACOLA 33412 $5,615.98
PENSACOLA 33413 $6,120.90
PENSACOLA 33414 $6,004.71
DEBARY 33415 $6,116.81
MACCLENNY 33417 $6,116.81
GREEN COVE SPRINGS 33418 $5,151.65
SARASOTA 33426 $6,159.33
CALLAHAN 33428 $5,926.72
VERO BEACH 33430 $5,357.60
VERO BEACH 33431 $5,957.82
FORT MYERS 33432 $5,957.82
PENSACOLA 33433 $5,954.38
YULEE 33434 $5,910.50
LAKE HELEN 33435 $6,159.33
LEHIGH ACRES 33436 $6,096.01
LEHIGH ACRES 33437 $6,096.01
LEHIGH ACRES 33438 $5,366.43
LEHIGH ACRES 33440 $4,305.88
LEHIGH ACRES 33441 $6,028.54
FERNANDINA BEACH 33442 $5,947.46
SEBASTIAN 33444 $6,102.38
VERO BEACH 33445 $6,200.91
WABASSO 33446 $6,138.53
MELBOURNE 33449 $6,095.30
ONA 33455 $4,504.37
GLENWOOD 33458 $4,863.64
OAK HILL 33459 $5,237.37
VERO BEACH 33460 $6,292.81
VERO BEACH 33461 $6,297.92
OSTEEN 33462 $6,290.16
BOWLING GREEN 33463 $6,344.28
GLEN SAINT MARY 33467 $6,153.40
SARASOTA 33469 $5,066.94
LAKE PLACID 33470 $5,417.48
LORIDA 33471 $4,067.18
SEBRING 33472 $6,057.63
SEBRING 33473 $6,057.63
SEBRING 33476 $5,346.40
SEBRING 33477 $5,098.69
SARASOTA 33478 $5,058.40
SARASOTA 33480 $6,225.52
VENUS 33483 $6,082.78
BOSTWICK 33484 $6,096.51
PALATKA 33486 $5,957.82
DE LEON SPRINGS 33487 $5,957.82
SARASOTA 33493 $5,357.60
SARASOTA 33496 $6,007.61
WAUCHULA 33498 $6,007.61
FORT MYERS 33510 $5,933.28
ZOLFO SPRINGS 33511 $5,608.68
FORT MYERS 33513 $3,948.53
FORT MYERS 33514 $3,948.53
MOORE HAVEN 33521 $3,915.92
SEBASTIAN 33523 $5,186.49
HILLIARD 33525 $5,186.49
BRYCEVILLE 33527 $5,315.37
FORT MYERS 33530 $5,636.98
FORT MYERS 33534 $5,601.96
SANDERSON 33538 $3,897.63
SARASOTA 33540 $5,186.49
NORTH FORT MYERS 33541 $5,230.84
CAPE CORAL 33542 $5,117.09
CAPE CORAL 33543 $5,264.76
CAPE CORAL 33544 $5,161.44
CAPE CORAL 33545 $5,117.09
CAPE CORAL 33547 $5,365.64
CAPE CORAL 33548 $5,405.44
MELBOURNE 33549 $5,602.29
BOKEELIA 33556 $5,576.04
SAINT JAMES CITY 33558 $5,571.04
SARASOTA 33559 $5,516.67
DAYTONA BEACH 33563 $5,183.29
DAYTONA BEACH 33565 $5,183.75
DAYTONA BEACH 33566 $5,183.29
ORMOND BEACH 33567 $5,172.95
SARASOTA 33569 $5,527.55
SARASOTA 33570 $5,148.29
MELBOURNE 33572 $5,148.29
NORTH FORT MYERS 33573 $5,148.29
BARBERVILLE 33574 $5,117.09
ARCADIA 33576 $5,186.49
SARASOTA 33578 $5,695.36
ARCADIA 33579 $5,476.07
ALVA 33584 $5,573.93
CLERMONT 33585 $3,971.68
MELBOURNE 33586 $5,636.26
EDGEWATER 33587 $5,636.98
EAST PALATKA 33592 $5,517.60
SAN MATEO 33593 $5,117.09
LAWTEY 33594 $5,383.52
STARKE 33596 $5,354.97
FORT MYERS 33597 $4,293.79
FORT MYERS 33598 $5,181.56
RAIFORD 33602 $6,894.71
SCOTTSMOOR 33603 $6,931.90
COCOA 33604 $6,815.74
ROCKLEDGE 33605 $6,854.53
COCOA 33606 $6,737.80
FORT MYERS 33607 $6,976.36
FORT MYERS 33609 $6,107.87
CRESCENT CITY 33610 $6,495.30
GRANDIN 33611 $5,990.83
GEORGETOWN 33612 $6,850.08
HOLLISTER 33613 $6,265.76
INTERLACHEN 33614 $6,828.10
LAKE COMO 33615 $6,673.01
POMONA PARK 33616 $5,988.68
PUTNAM HALL 33617 $5,760.45
SATSUMA 33618 $5,906.63
WELAKA 33619 $6,514.39
TALLAHASSEE 33620 $5,961.95
PIERSON 33621 $5,822.92
MILTON 33624 $6,264.18
SUMTERVILLE 33625 $6,236.56
DELAND 33626 $5,651.99
DAYTONA BEACH 33629 $5,990.83
ORMOND BEACH 33634 $6,733.02
OSPREY 33635 $6,188.84
MELBOURNE 33637 $6,188.52
MILTON 33647 $5,575.56
HAMPTON 33701 $5,328.73
CENTURY 33702 $5,334.99
MC DAVID 33703 $5,334.99
PORT ORANGE 33704 $5,328.73
NEW SMYRNA BEACH 33705 $5,369.59
MILTON 33706 $5,205.41
LAKE GENEVA 33707 $5,343.70
SEVILLE 33708 $5,231.32
PALM COAST 33709 $5,343.70
PORT ORANGE 33710 $5,354.18
PORT ORANGE 33711 $5,369.59
BOCA GRANDE 33712 $5,369.59
BUSHNELL 33713 $5,369.59
CENTER HILL 33714 $5,369.59
INDIALANTIC 33715 $5,215.88
DAYTONA BEACH 33716 $5,334.99
EDGEWATER 33730 $5,338.61
NEW SMYRNA BEACH 33755 $5,298.60
CHOKOLOSKEE 33756 $5,329.43
EVERGLADES CITY 33759 $5,350.57
BROOKER 33760 $5,311.92
CAPE CANAVERAL 33761 $5,308.69
PATRICK AFB 33762 $5,333.41
COCOA BEACH 33763 $5,311.92
SATELLITE BEACH 33764 $5,311.92
MELBOURNE BEACH 33765 $5,259.94
MERRITT ISLAND 33767 $5,245.84
TALLAHASSEE 33770 $5,290.77
TALLAHASSEE 33771 $5,311.92
TALLAHASSEE 33772 $5,202.66
TALLAHASSEE 33773 $5,268.74
TALLAHASSEE 33774 $5,241.27
TALLAHASSEE 33776 $5,202.66
TALLAHASSEE 33777 $5,268.74
TALLAHASSEE 33778 $5,247.59
TALLAHASSEE 33781 $5,364.76
TALLAHASSEE 33782 $5,322.39
TALLAHASSEE 33785 $5,202.66
TALLAHASSEE 33786 $5,202.66
FLORAHOME 33801 $4,305.40
PINELAND 33803 $4,358.57
FORT MYERS 33805 $4,345.65
ESTERO 33809 $4,342.43
MERRITT ISLAND 33810 $4,345.65
CLERMONT 33811 $4,358.57
MONTVERDE 33812 $4,414.38
CLERMONT 33813 $4,358.57
FERNDALE 33815 $4,345.09
GROVELAND 33823 $4,353.34
MASCOTTE 33825 $4,248.51
BUNNELL 33827 $4,373.58
FLAGLER BEACH 33830 $4,372.05
PALM COAST 33834 $4,095.15
PALM COAST 33835 $4,362.39
FORT MYERS BEACH 33837 $4,489.58
FLORAL CITY 33838 $4,421.02
PONTE VEDRA BEACH 33839 $4,389.49
COLEMAN 33840 $4,359.91
CAPTIVA 33841 $4,323.58
SANIBEL 33843 $4,322.35
MIMS 33844 $4,458.40
TITUSVILLE 33847 $4,408.19
TITUSVILLE 33848 $4,821.71
COCOA 33849 $4,302.18
NOKOMIS 33850 $4,464.79
LAKE BUTLER 33851 $4,464.79
NORTH PORT 33852 $4,086.54
NORTH PORT 33853 $4,372.05
LECANTO 33854 $4,408.19
IMMOKALEE 33855 $4,408.19
HOMOSASSA 33856 $4,408.19
HOMOSASSA 33857 $4,086.54
INVERNESS 33859 $4,372.05
INVERNESS 33860 $4,316.23
ENGLEWOOD 33863 $4,362.39
LAKE PANASOFFKEE 33865 $4,103.66
CRYSTAL RIVER 33867 $4,406.96
ASTATULA 33868 $4,369.91
NORTH PORT 33870 $4,086.23
HOWEY IN THE HILLS 33872 $4,086.23
NORTH PORT 33873 $4,072.79
BLOUNTSTOWN 33875 $4,086.23
KEYSTONE HEIGHTS 33876 $4,086.54
OCHOPEE 33880 $4,389.49
ALTHA 33881 $4,439.69
WEWAHITCHKA 33884 $4,353.34
BONITA SPRINGS 33890 $4,071.55
EUSTIS 33896 $4,489.58
SORRENTO 33897 $4,368.67
CLARKSVILLE 33898 $4,370.81
MELROSE 33901 $4,060.27
PONTE VEDRA 33903 $4,052.08
HERNANDO 33904 $4,047.28
HOLDER 33905 $4,114.55
INVERNESS 33907 $3,981.36
MURDOCK 33908 $3,981.36
VENICE 33909 $4,052.08
VENICE 33912 $4,060.27
LULU 33913 $4,070.88
DUNNELLON 33914 $4,047.28
PAISLEY 33916 $4,070.88
PUNTA GORDA 33917 $4,015.66
LAKE CITY 33919 $3,925.64
LLOYD 33920 $4,000.80
PUNTA GORDA 33921 $3,954.64
HASTINGS 33922 $4,042.48
NORTH PORT 33924 $3,915.87
VENICE 33927 $3,851.67
CRYSTAL RIVER 33928 $3,923.52
BEVERLY HILLS 33930 $4,223.85
DUNNELLON 33931 $3,919.21
SAINT AUGUSTINE 33935 $4,223.85
SAINT AUGUSTINE 33936 $4,112.43
SAINT AUGUSTINE 33938 $3,871.72
OCALA 33944 $4,227.32
OCALA 33945 $3,927.14
THE VILLAGES 33946 $3,850.68
OXFORD 33947 $3,850.68
WILDWOOD 33948 $3,851.67
CARRABELLE 33950 $3,844.14
LANARK VILLAGE 33952 $3,844.14
EASTPOINT 33953 $3,851.67
SAINT JOHNS 33954 $3,852.87
APALACHICOLA 33955 $3,865.72
SAINT AUGUSTINE 33956 $4,042.48
PORT CHARLOTTE 33957 $3,915.87
EL JOBEAN 33960 $4,079.50
PORT CHARLOTTE 33965 $3,993.21
PORT CHARLOTTE 33966 $4,072.12
UMATILLA 33967 $3,993.21
PLACIDA 33971 $4,168.14
ROTONDA WEST 33972 $4,112.43
OCALA 33973 $4,112.43
PORT CHARLOTTE 33974 $4,112.43
ENGLEWOOD 33976 $4,112.43
LAMONT 33980 $3,844.14
MONTICELLO 33981 $3,846.14
PUNTA GORDA 33982 $3,869.54
PORT CHARLOTTE 33983 $3,844.14
PUNTA GORDA 33990 $4,052.08
PUNTA GORDA 33991 $4,047.94
EUSTIS 33993 $4,048.93
TAVARES 34102 $3,783.36
OCALA 34103 $3,783.36
GULF BREEZE 34104 $3,797.43
GULF BREEZE 34105 $3,797.43
NAVARRE 34108 $3,783.36
BRISTOL 34109 $3,797.43
HOSFORD 34110 $3,797.43
OCALA 34112 $3,783.36
SAINT AUGUSTINE 34113 $3,783.36
LAKE CITY 34114 $3,797.43
NAPLES 34116 $3,797.43
ASTOR 34117 $3,797.43
GRAND ISLAND 34119 $3,797.43
LEESBURG 34120 $3,839.84
ELKTON 34134 $3,797.43
CANDLER 34135 $3,881.12
LAKE CITY 34137 $3,797.43
PORT SAINT JOE 34138 $3,942.52
WEWAHITCHKA 34139 $3,942.52
WEIRSDALE 34140 $3,797.43
ALTOONA 34141 $3,885.56
DUNNELLON 34142 $3,901.52
DUNNELLON 34145 $3,783.36
FORT MC COY 34201 $4,365.26
FORT WHITE 34202 $4,351.75
OCALA 34203 $4,341.09
CRAWFORDVILLE 34205 $4,783.59
PANACEA 34207 $4,782.57
SAINT MARKS 34208 $4,783.59
SOPCHOPPY 34209 $4,426.85
NAPLES 34210 $4,500.02
NAPLES 34211 $4,347.16
NAPLES 34212 $4,358.27
NAPLES 34215 $4,498.15
NAPLES 34216 $4,645.27
NAPLES 34217 $4,361.71
NAPLES 34219 $4,378.70
NAPLES 34221 $4,632.04
BONITA SPRINGS 34222 $4,418.43
COPELAND 34223 $3,899.53
GOODLAND 34224 $3,846.14
JAY 34228 $4,173.22
SUMMERFIELD 34229 $3,969.52
OCALA 34231 $4,028.02
CHATTAHOOCHEE 34232 $4,054.63
GRETNA 34233 $4,029.02
QUINCY 34234 $4,079.69
OCALA 34235 $4,089.73
OCALA 34236 $4,073.06
FOUNTAIN 34237 $4,124.20
YOUNGSTOWN 34238 $4,073.53
NAPLES 34239 $4,080.81
NAPLES 34240 $4,174.77
NAPLES 34241 $4,005.33
NAPLES 34242 $4,038.64
NAPLES 34243 $4,191.02
MARCO ISLAND 34250 $4,631.02
BELLEVIEW 34251 $4,352.55
PANAMA CITY 34264 $4,339.22
FRUITLAND PARK 34266 $4,013.34
LEESBURG 34267 $4,320.27
OKAHUMPKA 34269 $4,001.40
YALAHA 34270 $4,250.01
JASPER 34275 $3,911.89
GREENSBORO 34285 $3,871.67
HAVANA 34286 $3,865.34
MIDWAY 34287 $3,890.16
QUINCY 34288 $3,893.21
PANAMA CITY 34289 $3,907.71
PANAMA CITY 34291 $3,907.71
PANAMA CITY 34292 $3,864.68
PANAMA CITY BEACH 34293 $3,871.67
PANAMA CITY 34420 $3,779.94
PANAMA CITY 34428 $3,863.02
MEXICO BEACH 34429 $3,895.63
PANAMA CITY BEACH 34431 $3,816.24
LYNN HAVEN 34432 $3,816.24
WHITE SPRINGS 34433 $3,861.23
GRACEVILLE 34434 $3,870.76
OCALA 34436 $3,918.22
BAKER 34442 $3,872.55
HOLT 34445 $3,872.55
BONIFAY 34446 $3,899.93
NOMA 34448 $3,899.93
FAIRFIELD 34449 $3,664.09
LOWELL 34450 $3,899.93
REDDICK 34452 $3,899.93
OCALA 34453 $3,872.55
CITRA 34461 $3,905.16
EASTLAKE WEIR 34465 $3,863.02
OCKLAWAHA 34470 $3,842.22
ORANGE SPRINGS 34471 $3,858.02
SPARR 34472 $3,841.88
ANTHONY 34473 $3,847.11
PONCE DE LEON 34474 $3,858.02
WESTVILLE 34475 $3,764.47
WELLBORN 34476 $3,789.08
MAYO 34479 $3,799.99
ROSEMARY BEACH 34480 $3,784.18
BASCOM 34481 $3,784.18
CAMPBELLTON 34482 $3,753.90
COTTONDALE 34484 $3,858.02
GRAND RIDGE 34488 $3,716.67
GREENWOOD 34491 $3,790.85
MALONE 34498 $3,664.09
MARIANNA 34601 $4,692.22
MARIANNA 34602 $4,715.36
SNEADS 34604 $4,885.76
ALFORD 34606 $4,875.27
LEE 34607 $4,909.00
MADISON 34608 $4,898.41
PINETTA 34609 $4,898.41
CHIPLEY 34610 $5,116.51
WAUSAU 34613 $4,862.62
PAXTON 34614 $4,862.62
JENNINGS 34636 $4,862.62
CRESTVIEW 34637 $5,134.11
MILLIGAN 34638 $5,254.61
CRESTVIEW 34639 $5,295.11
LAUREL HILL 34652 $5,395.44
LIVE OAK 34653 $5,367.21
LIVE OAK 34654 $5,398.09
CARYVILLE 34655 $5,335.33
MC ALPIN 34660 $5,327.88
SALEM 34661 $4,692.22
SILVER SPRINGS 34667 $5,299.90
BRANFORD 34668 $5,395.44
O BRIEN 34669 $5,299.90
VERNON 34677 $5,327.88
LADY LAKE 34679 $5,367.21
EBRO 34681 $5,327.88
PERRY 34683 $5,366.53
PERRY 34684 $5,386.26
SHADY GROVE 34685 $5,252.15
STEINHATCHEE 34688 $5,221.27
THE VILLAGES 34689 $5,328.57
ARGYLE 34690 $5,368.63
DEFUNIAK SPRINGS 34691 $5,395.44
MOSSY HEAD 34695 $5,308.69
DEFUNIAK SPRINGS 34698 $5,347.35
CROSS CITY 34705 $3,893.74
OLD TOWN 34711 $3,923.05
SUWANNEE 34714 $4,000.17
FREEPORT 34715 $3,921.19
CEDAR KEY 34729 $3,919.95
CHIEFLAND 34731 $3,779.28
SANTA ROSA BEACH 34734 $4,523.75
BRONSON 34736 $3,919.95
MORRISTON 34737 $3,892.50
WILLISTON 34739 $4,641.48
BELL 34740 $4,547.56
TRENTON 34741 $4,830.20
GULF HAMMOCK 34743 $4,983.28
OTTER CREEK 34744 $4,827.66
INGLIS 34746 $4,826.67
YANKEETOWN 34747 $4,673.29
HORSESHOE BEACH 34748 $3,779.28
DESTIN 34753 $3,919.95
EGLIN AFB 34756 $3,923.05
HURLBURT FIELD 34758 $4,826.67
FORT WALTON BEACH 34759 $4,591.24
FORT WALTON BEACH 34761 $4,525.80
MARY ESTHER 34762 $3,779.28
NICEVILLE 34769 $4,791.82
SHALIMAR 34771 $4,694.47
VALPARAISO 34772 $4,678.87
GREENVILLE 34773 $4,528.08
EVINSTON 34785 $3,858.02
HAWTHORNE 34786 $4,554.63
ISLAND GROVE 34787 $4,547.56
LOCHLOOSA 34788 $3,837.18
MC INTOSH 34797 $3,779.28
ORANGE LAKE 34945 $4,316.64
MIRAMAR BEACH 34946 $4,331.97
EARLETON 34947 $4,507.05
GAINESVILLE 34949 $4,548.56
GAINESVILLE 34950 $4,507.05
GAINESVILLE 34951 $4,331.97
GAINESVILLE 34952 $4,574.94
GAINESVILLE 34953 $4,592.86
GAINESVILLE 34956 $4,504.37
GAINESVILLE 34957 $4,486.44
GAINESVILLE 34972 $4,500.88
GAINESVILLE 34974 $4,430.16
ALACHUA 34981 $4,507.05
LA CROSSE 34982 $4,507.05
GAINESVILLE 34983 $4,574.94
GAINESVILLE 34984 $4,592.86
GAINESVILLE 34986 $4,434.21
ARCHER 34987 $4,434.21
MICANOPY 34990 $4,504.37
NEWBERRY 34994 $4,504.37
HIGH SPRINGS 34996 $4,486.44
WALDO 34997 $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 Hathaway A++
State Farm B++
Progressive A+
Allstate Insurance A+
USAA A++
Liberty Mutual A
Travelers A++
AmTrust A-
Windhaven Not Rated
Infinity Insurance A

– 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 Complaints 2017 2016 2015 Total
Geico 75 72 52 199
State Farm 351 349 394 1,094
Progressive 140 153 149 442
Allstate 46 49 57 152
USAA 53 33 21 107
Liberty Mutual 25 15 23 63
Travelers 2 1 1 4
Windhaven 544 629 398 1571
Infinity 137 141 179 457

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.

Company Average Cost Compared to State Average Percent Compared to Average
Allstate F&C $7,440.46 $2,760.00 37.09%
Geico General $3,783.63 -$896.83 -23.70%
Liberty Mutual Ins Co $5,368.15 $687.69 12.81%
Allied P&C $4,339.60 -$340.86 -7.85%
Progressive Select $5,583.30 $902.84 16.17%
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

Group 25 Miles Commute / 12000 Annual Mileage 10 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!

Group High Coverage Medium Coverage Low 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

Group Good Credit History Fair Credit History Poor 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

Group Driving Record Annual Average
Allstate With 1 DUI $8,524.13
Allstate With 1 accident $7,700.66
Allstate With 1 speeding violation $7,119.64
Allstate Clean record $6,417.39
Geico With 1 DUI $5,012.72
Geico With 1 speeding violation $4,116.12
Geico With 1 accident $3,368.94
Geico Clean record $2,636.72
Liberty Mutual With 1 DUI $7,291.64
Liberty Mutual With 1 speeding violation $5,285.32
Liberty Mutual With 1 accident $5,026.31
Liberty Mutual Clean record $3,869.33
Nationwide With 1 DUI $5,472.37
Nationwide With 1 speeding violation $4,114.99
Nationwide With 1 accident $4,065.71
Nationwide Clean record $3,705.32
Progressive With 1 accident $6,519.19
Progressive With 1 speeding violation $5,915.72
Progressive With 1 DUI $5,490.35
Progressive Clean record $4,407.95
State Farm With 1 accident $3,690.25
State Farm With 1 DUI $3,397.66
State Farm With 1 speeding violation $3,397.66
State Farm Clean record $3,105.11
USAA With 1 DUI $4,070.81
USAA With 1 accident $2,755.24
USAA With 1 speeding violation $2,341.64
USAA Clean 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.

Rank Company/Group Name Direct Premiums Written Loss Ratio Market Share
1 Geico $4,678,326 78.78% 24.44%
2 State Farm Group $3,042,871 79.80% 15.89%
3 Progressive Group $3,031,444 66.17% 15.84%
4 Allstate Insurance Group $1,842,800 55.45% 9.63%
5 USAA Group $1,357,367 82.20% 7.09%
6 Liberty Mutual Group $617,089 68.42% 3.22%
7 Travelers Group $444,623 67.79% 2.32%
8 Amtrust NGH Group $413,351 61.98% 2.16%
9 J. Whited Group (Windhaven) $385,885 56.59% 2.02%
10 InFinanciality Prop & Casualty Insurance Group $357,011 67.06% 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 Offense Second Offense Third Offense (and Beyond)
Suspension of license and registration until reinstatement fee ($150) is paid and non-cancelable coverage is secured Suspension of license and registration until reinstatement fee ($250) is paid and non-cancelable coverage is secured Suspension 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 License Age Requirements Pre-Requisites Passenger Restrictions Driving Restrictions
Learners Permit Minimum 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 seat Can't drive after sunset for the first 3 months and then can't drive after 10 p.m.
Restricted License Minimum 16 –12-month holding period
–Minimum supervised 50 hours of driving (10 must be at night)
none No 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 License Minimum 18 Must satisfy all previous requirements none none

– License Renewal Procedures

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

  General Population Older Population
License Renewal Cycle every 8 years every 6 years for people 80 years and older
Proof of Adequate Vision when renewing in person 80 and older, every renewal
Mail/Online Renewal Permitted both, every other renewal both, 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 Type Speed 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 Type First Offense Second Offense Third Offense Fourth (or Subsequent) Offense
License Suspension or Revocation 180 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 transportation 3rd 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 Condition Daylight Dark, but Lighted Dark Dawn or Dusk Other / Unknown Total
Normal 1,125 801 658 147 4 2,735
Rain 61 47 31 5 0 144
Snow/Sleet 0 0 0 0 0 0
Other 3 8 24 3 2 40
Unknown 0 1 2 0 0 3
TOTAL 1,189 857 715 155 6 2,922

– Crashes by Road Type Fatalities

Florida Traffic Fatalities 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
Total 2,980 2,560 2,444 2,400 2,431 2,403 2,494 2,938 3,176 3,112
Rural 1,161 1,035 946 968 873 969 634 859 870 674
Urban 1,809 1,498 1,482 1,420 1,555 1,434 1,860 1,972 2,275 1,731
Unknown 10 27 16 12 3 0 0 107 31 707

– Person Type Fatalities

Vehicle Type 2015 Fatalities 2016 Fatalities 2017 Fatalities
Passenger Car 903 1,048 1,001
Light Truck – Pickup 213 289 256
Light Truck – Utility 271 262 306
Light Truck – Van 73 94 77
Light Truck – Other 2 8 2
Large Truck 31 30 45
Other/Unknown Occupants 25 34 30
Total Occupants 1,518 1,771 1,717
Bus 0 6 0
Total Motorcyclists 615 586 590
Pedestrian 629 653 654
Bicyclist and Other Cyclist 150 138 125
Other/Unknown Nonoccupants 26 28 26
Total Nonoccupants 805 819 805
Total 2,938 3,176 3,112

– Crash Type Fatalities

Crash Type 2013 2014 2015 2016 2017
Single Vehicle 1,376 1,395 1,600 1,696 1,622
Involving a Large Truck 197 190 225 293 292
Involving Speeding 346 245 320 310 299
Involving a Rollover 431 371 481 573 538
Involving a Roadway Departure 957 940 1,071 1,203 1,122
Involving an Intersection 764 803 1,009 1,043 1,134
Total Fatalities (All Crashes) 2,403 2,494 2,938 3,176 3,112

– Five-Year Trend For The Top 10 Counties

Ranking County 2013 2014 2015 2016 2017
1 Miami-Dade County 225 280 339 294 285
2 Broward County 180 173 224 245 225
3 Hillsborough County 171 158 190 228 190
4 Orange County 124 143 142 171 189
5 Palm Beach County 137 130 187 181 162
6 Duval County 133 120 133 156 151
7 Volusia County 90 86 87 122 130
8 Pinellas County 83 116 103 128 118
9 Lee County 92 81 95 105 113
10 Polk County 94 113 112 137 111
Total All Counties 2,403 2,494 2,938 3,176 3,112

– Speeding Fatalities by County

County Name Speeding Fatalities (2015) Speeding Fatalities (2016) Speeding Fatalities (2017)
Jefferson County 3 0 1
Holmes County 4 0 0
Levy County 7 2 1
Desoto County 6 3 0
Hamilton County 2 1 4
Lafayette County 1 0 0
Glades County 1 0 1
Jackson County 3 4 2
Gilchrist County 1 0 1
Suwannee County 2 2 3
Highlands County 3 0 2
Columbia County 2 2 3
Hernando County 5 1 0
Putnam County 2 0 1
Polk County 18 11 13
Marion County 9 7 10
Palm Beach County 37 31 18
Lee County 18 12 21
Leon County 7 3 3
Hillsborough County 30 27 22
Gadsden County 1 6 4
Alachua County 5 6 8
Lake County 6 3 2
Charlotte County 3 5 2
Sumter County 2 0 0
Broward County 30 28 22
Walton County 1 2 3
Volusia County 8 12 9
Sarasota County 6 11 4
Pinellas County 14 13 16
Citrus County 2 2 2
Brevard County 8 9 15
Pasco County 7 6 4
Indian River County 2 3 0
Martin County 2 8 2
Bay County 2 7 5
Miami-Dade County 29 30 23
St. Lucie County 3 3 4
Flagler County 1 1 2
St. Johns County 2 1 4
Orange County 10 10 19
Seminole County 3 5 5
Escambia County 2 3 8
Santa Rosa County 1 0 2
Okaloosa County 1 3 2
Clay County 1 3 2
Duval County 4 9 11
Osceola County 1 0 0
Collier County 1 1 2
Manatee County 1 5 1
Baker County 0 1 1
Bradford County 0 1 0
Calhoun County 0 0 0
Dixie County 0 0 0
Franklin County 0 0 0
Gulf County 0 0 0
Hardee County 0 0 0
Hendry County 0 3 2
Liberty County 0 1 0
Madison County 0 0 0
Monroe County 0 1 1
Nassau County 0 1 0
Okeechobee County 0 0 3
Taylor County 0 1 1
Union County 0 0 0
Wakulla County 0 0 1
Washington County 0 0 1

– Alcohol-Impaired Driving Fatalities

County Name Fatalities 2015 Fatalities 2016 Fatalities 2017
Hamilton County 2 1 4
Gadsden County 1 6 4
Glades County 1 0 1
Okeechobee County 0 0 3
Jefferson County 3 0 1
Suwannee County 2 2 3
Gilchrist County 1 0 1
Hendry County 0 3 2
Taylor County 0 1 1
Walton County 1 2 3
Columbia County 2 2 3
Jackson County 3 4 2
Washington County 0 0 1
Baker County 0 1 1
Wakulla County 0 0 1
Alachua County 5 6 8
Lee County 18 12 21
Marion County 9 7 10
Bay County 2 7 5
Brevard County 8 9 15
Escambia County 2 3 8
Levy County 7 2 1
Highlands County 3 0 2
Polk County 18 11 13
Flagler County 1 1 2
Volusia County 8 12 9
Pinellas County 14 13 16
St. Johns County 2 1 4
Hillsborough County 30 27 22
Orange County 10 10 19
Citrus County 2 2 2
Putnam County 2 0 1
Monroe County 0 1 1
St. Lucie County 3 3 4
Martin County 2 8 2
Palm Beach County 37 31 18
Duval County 4 9 11
Santa Rosa County 1 0 2
Broward County 30 28 22
Charlotte County 3 5 2
Seminole County 3 5 5
Leon County 7 3 3
Okaloosa County 1 3 2
Sarasota County 6 11 4
Clay County 1 3 2
Miami-Dade County 29 30 23
Pasco County 7 6 4
Lake County 6 3 2
Collier County 1 1 2
Manatee County 1 5 1
Holmes County 4 0 0
Desoto County 6 3 0
Lafayette County 1 0 0
Hernando County 5 1 0
Sumter County 2 0 0
Indian River County 2 3 0
Osceola County 1 0 0
Bradford County 0 1 0
Calhoun County 0 0 0
Dixie County 0 0 0
Franklin County 0 0 0
Gulf County 0 0 0
Hardee County 0 0 0
Liberty County 0 1 0
Madison County 0 0 0
Nassau County 0 1 0
Union County 0 0 0

– 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. Urban Time Number Percent Number Percent Number Percent
Rural Fatal Crashes 0 to 10 8 72.7% 6 54.5% 0 0%
11 to 20 1 9.1% 3 27.3% 0 0%
31 to 40 1 9.1% 1 9.1% 0 0%
41 to 50 0 0% 1 9.1% 0 0%
61 to 120 1 9.1% 0 0% 0 0%
Total 11 100% 11 100% 0 0%
Urban Fatal Crashes 0 to 10 23 100% 25 96.2% 0 0%
11 to 20 0 0% 1 3.8% 0 0%
31 to 40 0 0% 0 0% 1 100%
Total 23 100% 26 100% 1 100%

– 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.

City Hours Spent in Traffic Peak (Time in Traffic) Daytime (Time in Traffic) Overall (Time in Traffic)
Miami 64 13% 7% 9%
Orlando 34 11% 6% 7%
Tampa 28 13% 5% 7%
Clearwater 21 9% 5% 6%
Jacksonville 21 9% 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:

City Traffic Index Time Index (in minutes) Time Exp. Index Inefficiency Index CO2 Emission Index
Miami 212.79 43.02 2635.68 240.55 10591.95
Orlando 181 37.08 909.89 230.66 9716.53
Tampa 175.74 36.33 769.44 206.28 9469.6
Jacksonville 171.02 35.19 585.71 222.85 9350.92

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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