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Cheapest Car Insurance in Florida

Alligators and oranges! What state could be more exciting to visit than fancy Florida? With over 1,250 golf courses, a tropical climate and seemingly endless miles of white-sandy beaches, “The Sunshine State” holds bragging rights for the most popular retirement destination in the country. So whether drivers are setting up shop for the next stage in life, spending a tropical weekend or making Florida their home, wants to help. By providing this page of essential car insurance information, Florida drivers can continue to enjoy their sunshine without spending time worrying about auto insurance.


Protection against tropical storms is a necessary step when driving in the only state that borders both the Gulf of Mexico and the Atlantic Ocean. Vehicle protection is just as important, and to help search out the correct information, listed below are just the facts.

Minimum Requirements for Car Insurance in Florida

  • The Florida Department of Highway Safety and Motor Vehicles (DHSMV) states that liability coverage is mandatory for all vehicles registered in the state.
  • Liability Coverage minimums:
    • $10,000 personal injury protection.
    • $10,000 property damage liability.
  • If a driver fails to maintain current insurance, the DHSMV can suspend driving privileges and vehicle license/registration for up to 3 years. A re-instatement fee ranging from $150 to $500 will be required depending on the number of subsequent offenses.

New Driver Licensing Requirements

  • The Florida DHSMV requires every florida driver to be licensed.
  • Applicants at least 15 years old can obtain a Learner’s Permit. This permit requires that the applicant:
    • Complete and pass a Traffic Law and Substance Abuse Education Course.
    • Provide a Parental Consent Form signed by a parent or legal guardian.
    • Pass the written, vision and hearing tests.
    • An applicant with a Learner’s Permit may only drive during daylight hours during the first 3 months and until 10 pm after 3 months. The permit holder must always be accompanied by a licensed driver age 21 or older.
  • Applicants ages 16 and 17 who have held a Learner’s Permit for one year with no violations can obtain an Intermediate License. To obtain the Intermediate License, the applicant must:
    • Provide documentation of 50 hours of driving verified by a parent or legal guardian. Included in the 50 hours must be 10 hours of night driving.
    • Pass the road test.
  • Restrictions with this license include:
    • 16 years old – must be accompanied by a licensed driver age 21 to drive during nighttime hours. Can drive alone between the hours of 6 am and 11 pm.
    • 17 years old – may drive alone between the hours of 5 am and 1 am, and my drive between the hours of 1 am and 5 am if accompanied by a licensed driver age 21 or older.
  • Vision Screening. To pass the vision screening, an applicant must meet the following guidelines:
    • Visual acuity of 20/40 with or without corrective lenses.
    • Visual acuity of 20/50 or worse with or without corrective lenses will be referred to a specialist for improvement.
    • Visual acuity of 20/70 may pass if the worse eye is 20/200 or better. Verification is required by a specialist.
    • If blind in one eye, the other eye must have a visual acuity of at least 20/40.
  • Written Test. The written exam tests the applicant’s knowledge of the Florida Driver’s Manual. It consists of 40 multiple-choice questions regarding road rules and 10 questions regarding specific traffic signs.
  • Road Test. Once the visual and written tests are successfully completed, the applicant may proceed to the road test. The vehicle, provided by the applicant, must be insured, registered and safely operable. A licensed driver is required to drive the vehicle to and from the testing site.
    The applicant will be tested in the following areas:

    • Three point turn.
    • Gear shifting (if applicable to the vehicle).
    • Road crossing approach.
    • Observe right-of-way.
    • Straight in parking.
    • Grade parking.
    • Quick stop.
    • Backing.
    • Obey traffic signs and signals.
    • Signal and turn.
    • Passing.
    • Lane management.
    • Following distance.
    • Proper posture.
  • Fees. A regular driver’s license requires the applicant to pay a $48 fee.


  • BAC limit: .08 The Florida Driver’s Manual notes that Florida holds a Zero Tolerance Law regarding drivers under the age of 21. It states that if a driver under the age of 21 is stopped and determined to have a BAC of .02 to below .05, he/she will receive a 6 month license suspension. A driver under the age of 21 with a BAC of .05 or higher receives the additional penalty of attending a substance abuse program. Following are the penalties pertinent to Florida DUI/DWI offenses:
  • First Offense:
    • Minimum $500 and maximum $1,000 fine. If the driver has a BAC of .15 or higher and/or accompanied by a minor, the fines are minimum $1,000 and maximum $2,000.
    • Community service of 50 hours.
    • Probation maximum of 1 year.
    • Possible imprisonment of 6 months maximum. If the driver has a BAC of .15 or higher and/or accompanied by a minor, the maximum is 9 months.
    • License revocation of 180 days.
    • DUI school for 12 hours.
    • Possible Ignition Interlock Device (IID) for a maximum of 6 months.
  • Second Offense:
    • Minimum $1,000 and maximum $2,000 fine. If the driver has a BAC of .15 or higher and/or accompanied by a minor, the fines are minimum $2,000 and maximum $4,000.
    • Imprisonment of 9 months maximum.
    • License revocation of 180 days.
    • DUI school for 21 hours.
    • Ignition Interlock Device for a minimum of 1 year.
  • Third Offense:
    • Minimum $2,000 and maximum $5,000 fine. If the driver has a BAC of .15 or higher and/or accompanied by a minor, the fines are a minimum of $4,000.
    • Imprisonment of 12 months maximum.
    • License revocation of 180 days.
    • DUI school for 21 hours.
    • Ignition Interlock Device for a minimum of 2 years.
  • Fourth or Subsequent Offense(s):
    • Minimum $1,000 fine.
    • Imprisonment of 5 years maximum.
    • Permanent license revocation.
    • DUI school (hours unspecified).
    • Ignition Interlock Device for 5 years.

Texting & Driving Laws informs Florida drivers that texting is banned for all drivers.

Unique Laws

Florida has a wide array of residents, and just as wide an array of interesting laws. For instance, while tying an elephant to a parking meter, be sure to remember that the meter fee must be paid as if the elephant were a vehicle. It is also illegal to sell one’s children, and, not only are drivers required to have a license, so are skateboarders!


Best Cheap Car Insurance Quotes for Florida Methodology

Car insurance quotes are for one car and one driver who has state minimum coverage with $500 comprehensive and collision deductibles. The hypothetical driver is 40 years old, female, married, employed, a college graduate, and has good credit. She has no moving violations, accidents, claims, or lapse in coverage. The vehicles are assumed to be garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Car insurance quotes include commonly available discounts and are estimates and not guaranteed.

Average Car Insurance Premiums

Since 1991, only one year has seen Florida’s average auto insurance premiums drop to match the national average. indicates a mostly upward trend in both auto insurance averages even though they have been well above the national average for several years.

Drunk Driving Fatalities

The National Highway Traffic Safety Administration indicates that Florida’s drunk driving fatalities have leveled off after a large spike in 2011. Even during 2011, Florida’s numbers were reported as being below the national average. Since then, the numbers have been decreasing.

Teen Drinking and Driving

The Center for Disease Control reports that Florida’s teen drivers drink and drive slightly more than other U.S. teens.

Vehicular Theft in Florida

Florida’s vehicle theft statistics show a significant drop between 2011-2013. A spike in 2014, though, has theft rates almost identical to the national average.

Cheap Car Insurance understands you work hard for your money so, why spend more on your auto insurance. Here is a list of some of the car insurance discounts that will help keep your hard-earned money in your pockets:

  • Multi-car insurance discount
  • Good student discount
  • Military discount
  • Car safety features discount
  • Anti-theft discount
  • Bundling your auto with home or renters
  • Defensive driving discount
  • Usage or low-mileage discount
  • Senior citizen discount
  • Mature driver discount

Insurance discounts may vary by state so, contact us today to see if you qualify for any of these car insurance discounts!

Driver Rating Best Rate Option
Good driversState Farm
Drivers with an at-fault crashState Farm
Drivers with poor creditGeico
Retired driversState Farm
Drivers with a military affiliationUSAA


State Department of Insurance

Florida Office of Insurance Regulation
200 E. Gaines St.
Tallahassee, FL 32399
(850) 413-3140
Get Directions

Department of Transportation

Florida Department of Transportation
605 Suwannee St.
Tallahassee, FL 32399-0450
(850) 414-4100
(866) 374-FDOT (3368)
Get Directions

Department of Motor Vehicles

Florida Department of Highway Safety and Motor Vehicles
(850) 617-2000
For a list of offices, hours and locations, visit the Florida DHSMV website.

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