Question 1

What insurance do I need in Florida?

Accepted Answer

Florida requires minimum auto liability coverage of 10/20/10 + PIP. For homeowners, coverage requirements depend on your mortgage lender, but most require dwelling and liability coverage. We recommend carrying higher limits than the minimum for better protection.

Question 2

How much does car insurance cost in Florida?

Accepted Answer

The average cost of car insurance in Florida is $2,560 per year for full coverage. Your actual rate depends on your age, driving record, vehicle, location within Florida, and coverage levels.

Question 3

How can I find affordable insurance in Florida?

Accepted Answer

Compare quotes from multiple carriers using Truvo — it's free and takes 2 minutes. Bundling car and home insurance often saves up to 25%. You can also save with a clean driving record, higher deductibles, and multi-policy discounts.

Question 4

What factors affect insurance rates in Florida?

Accepted Answer

Key factors include your ZIP code within Florida, driving record, age, credit score, vehicle and home details, coverage level, and claims history. Florida is a no-fault state with among the highest auto rates nationally. Home insurance is extremely expensive due to hurricane exposure.

Insurance in Florida

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