Florida Auto Insurance Calculator 2026
Estimate your auto insurance premium in Florida (FL). Florida rates are 30% above the national average. Enter your details below for a personalized estimate.
Driver Profile
Ages 16-100
Coverage & Vehicle
Average is ~12,000 miles/year
Fill in your details to see your estimated auto insurance premium
Florida Auto Insurance Overview
Florida drivers pay approximately 30% more than the national average for auto insurance. The state premium factor is 1.30x relative to the national baseline.
Florida Minimum Coverage Requirements
Florida requires minimum liability coverage of 10/20/10 ($10,000/$20,000 bodily injury, $10,000 property damage).
Florida requires Personal Injury Protection (PIP) with a minimum of $10,000.
Note: No-fault state; PIP required; bodily injury liability required
Advertiser Disclosure: Some of the products featured on this page are from our partners who may compensate us. This may influence which products we write about and where they appear on the page. However, this does not influence our evaluations. Our opinions are our own.
Compare Auto Insurance in Your Area
Compare Auto Insurance
Save avg. $600/yrCompare rates from 50+ carriers. Average savings of $600/year.
Get Quotes