Cheap Car Insurance in Florida
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Florida Car Insurance Minimums
Florida requires all drivers to carry minimum liability insurance. Here are the state-mandated minimums:
Property Damage
$10,000
- Personal injury protection (PIP): $10,000
No-fault state.
Florida requires PIP and property damage only — no bodily injury liability minimum, but 10/20 BI is required if you have certain violations.
Source: Fla. Stat. § 627.736 (PIP); Fla. Stat. § 324.022 (property damage liability $10,000); Fla. Stat. § 627.727 (UM offer and written rejection); Fla. Stat. § 627.730 (Florida Motor Vehicle No-Fault Law), verified 2026-09-01.
What drives car insurance rates in Florida
Average spend per insured vehicle, 2023
$1,865
Florida drivers spent $1,865 per insured vehicle on liability, collision and comprehensive in 2023, against $1,282 nationally.
Claims paid per premium dollar, 2023
73.2¢
Auto insurers in Florida paid 73.2 cents in claims for every premium dollar in 2023; the median state was 72 cents.
Traffic deaths per 100 million miles, 2024
1.26
Florida recorded 3,138 traffic deaths in 2024, 1.26 per 100 million vehicle miles against 1.19 nationally. Injury claims follow crash severity.
Vehicle thefts per 100,000 residents, 2025
70.9
Florida reported 16,646 motor vehicle thefts in 2025, 70.9 per 100,000 residents, from 123 the year before. Theft claims are paid under comprehensive coverage.
Natural-hazard loss rank
#3
FEMA ranks Florida #3 of 51 for expected annual loss from natural hazards; hurricane accounts for 49% of that loss, and comprehensive coverage is what pays for hurricane wind and flooding.
- Average spend per insured vehicle, 2023: NAIC Auto Insurance Database Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Traffic deaths per 100 million miles, 2024: NHTSA Fatality Analysis Reporting System, 2024
- Vehicle thefts per 100,000 residents, 2025: FBI Crime in the United States, 2025
- Natural-hazard loss rank: FEMA National Risk Index
Largest auto insurers in Florida
The ten insurer groups that wrote the most auto premium in Florida in 2025, with their share of the state total of $31.9 billion.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | Progressive Group | 25.79% | $8.2 billion |
| 2 | Berkshire Hathaway Group | 20.41% | $6.5 billion |
| 3 | State Farm Group | 17.39% | $5.6 billion |
| 4 | Allstate Insurance Group | 11.2% | $3.6 billion |
| 5 | United Services Automobile Association Group | 6.03% | $1.9 billion |
| 6 | Farmers Insurance Group | 2.16% | $690 million |
| 7 | Travelers Group | 2.03% | $648 million |
| 8 | Auto Owners Group | 1.64% | $524 million |
| 9 | United Automobile Insurance Co. | 1.52% | $487 million |
| 10 | Sentry Insurance Group | 1.38% | $442 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
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