Florida Car Insurance

If you’re driving in the Sunshine State, there’s one thing you absolutely can’t leave home without: car insurance. Whether you’ve just moved to Florida or have called it home for years, understanding the state’s insurance requirements can feel like a chore.

But don’t worry. You’re not alone in figuring this out.

At Budget Insurance Agency, we’ve helped thousands of Florida drivers understand their coverage and make smart choices. In this guide, we’ll break down everything you need to know about Florida car insurance so you can drive with confidence and peace of mind.

Getting Car Insurance in Florida

Florida offers scenic drives and year-round sunshine, but it also comes with higher-than-average accident rates and a large number of uninsured drivers. That makes having the right coverage even more important.

Getting car insurance in Florida starts with meeting the minimum legal requirements. From there, you can choose whether to stick with the basics or add extra coverage for better protection.

You can get car insurance through large national providers or work with a local agency like Budget Insurance Agency. We help you compare quotes from top carriers, making it easier to find the right policy at the right price.

Ways to Save on Budget Insurance Agency Auto Insurance in Florida

At Budget Insurance Agency, there are several ways to help you save on your auto insurance, especially if you’re a safe driver or open to using modern tools to improve your rates.

Save More Than Ever with Drivewise-Style Tracking

Our usage-based programs work similarly to systems like Drivewise. With your permission, we track driving habits such as speed, braking, and time of day using a mobile app or device. The safer you drive, the more you could save.

One Florida customer saved more than 20 percent simply by driving safely during daily commutes. It’s an easy way to earn a discount for habits you already have.

Good Drivers Save More with Budget Insurance Agency

If you have a clean driving record, Budget Insurance Agency will help match you with carriers that reward safe drivers. Programs like safe driving bonuses or accident forgiveness can help you avoid rate increases after minor accidents.

Auto Insurance Made Simple

Managing your car insurance should be quick and easy. Our tools let you access your policy, update your coverage, and view your ID cards online or through your mobile device. It’s simple, convenient, and designed with you in mind.

Florida Car Insurance State Minimums

Florida requires drivers to carry the following minimum coverage:

• $10,000 in Personal Injury Protection (PIP)

• $10,000 in Property Damage Liability (PDL)

Florida is a no-fault state. This means your insurance covers your medical bills and lost wages, regardless of who caused the accident.

However, these minimums are often not enough to cover the full cost of a serious crash. Many drivers choose to add more coverage to protect themselves financially in case of major injuries or property damage.

Get an Auto Quote

Getting a quote is one of the easiest and most effective ways to find the right policy for your needs. At Budget Insurance Agency, we make it simple to compare quotes from multiple top-rated insurers.

Whether you’re insuring your first car or reviewing your existing policy, we’ll help you find the best value based on your budget and driving habits.

Other Types of Car Insurance Coverage in Florida

In addition to the state-required minimums, many Florida drivers choose to add the following types of coverage for added protection:

• Bodily Injury Liability: Pays for injuries you cause to others in an accident

• Uninsured or Underinsured Motorist Coverage: Helps cover costs if the other driver doesn’t have enough insurance

• Collision Coverage: Pays for damage to your car from an accident, regardless of fault

• Comprehensive Coverage: Covers damage from theft, storms, vandalism, or falling objects

• Gap Insurance: Pays the difference between your car’s actual value and the balance on your loan or lease

For example, one of our customers in Tampa avoided thousands in out-of-pocket costs after a tropical storm when a tree fell on their vehicle. Their comprehensive coverage took care of the damage.

Florida Car Insurance Discounts

Florida drivers have access to a wide range of discounts when they work with Budget Insurance Agency, including:

• Safe driver discounts

• Multi-policy discounts for bundling home and auto

• Good student discounts

• Low mileage discounts

• Anti-theft device savings

• Telematics and usage-based program discounts

We can help identify every available discount and match you with insurers offering the best savings based on your driver profile.

How Much Does an Auto Insurance Policy Cost in Florida?

Florida consistently ranks among the most expensive states for car insurance. As of 2025, the average annual premium for full coverage is around $2,560, while minimum coverage averages about $1,100.

Rates vary depending on where you live. For example:

• Drivers in Miami and Hialeah tend to pay the highest premiums

• Cities like Tallahassee and Gainesville are often more affordable

Your personal details, such as your driving record, vehicle, age, and credit score, also play a big role in your final rate.

Some Factors That Impact Your Car Insurance Rates in Florida

Several factors make car insurance more expensive in Florida compared to other states. These include:

• High accident and injury claim rates

• Frequent hurricanes and flood damage

• A large number of uninsured drivers

• High rates of fraud and legal expenses

• Heavy traffic in densely populated areas

On a personal level, your driving history, how much you drive, and even your ZIP code can impact what you pay for coverage.

Florida’s Rules on Electronic Proof of Insurance

Florida allows drivers to carry and present electronic proof of insurance. This means you can show your digital insurance card on your smartphone if you’re pulled over or registering your vehicle.

To be safe, we recommend taking a screenshot of your ID card in case you’re somewhere with poor cell service or your phone battery dies.

Conclusion

Understanding Florida car insurance doesn’t have to be stressful. With the right guidance and support, you can choose a policy that gives you the protection you need at a price that fits your budget.

At Budget Insurance Agency, we’re committed to helping Florida drivers make confident, informed decisions about their coverage. Whether you’re new to the state, shopping for better rates, or simply reviewing your options, we’re here to help every step of the way.

Get in touch with Budget Insurance Agency today to get a personalized quote, explore your coverage options, and discover how easy and affordable car insurance in Florida can be.