Florida Insurance Agencies by County

How to Lower Your Car Insurance in Florida (And How Insurance Companies Score You)

Trying to cut the cost of car insurance in Florida? Whether you’re commuting in Miami, Tampa, Orlando, or driving coastal highways, there are smart ways to keep premiums low. This overview explains how Florida insurers evaluate drivers — and what you can do to save money.

How Car Insurance Companies in Florida Score You

Florida insurers use a mix of personal history, risk factors, and vehicle data when calculating your premium. Key factors include:

• Driving history – Accidents, speeding tickets, DUIs, and prior claims can significantly impact rates.
• Location – Dense metro areas and high-fraud regions often see higher premiums.
• Vehicle type – Repair costs, theft risk, and safety features matter.
• Annual mileage – Driving fewer miles may qualify you for lower rates.
• Coverage choices – Higher limits and full coverage cost more; higher deductibles usually lower monthly costs.
• Credit score – Florida allows credit-based insurance scoring; better credit often means better pricing.

10 Ways to Lower Your Car Insurance in Florida

1. Shop quotes frequently. Florida rates vary widely—shopping around is critical.
2. Bundle auto with home or renters insurance. Multi-policy discounts can be significant.
3. Choose higher deductibles. If you can afford it, this can reduce premiums.
4. Ask about telematics programs. Safe driving habits can earn discounts.
5. Maintain continuous coverage. Lapses often lead to higher rates.
6. Review PIP and coverage limits. Adjust responsibly based on your needs.
7. Check all discounts. Safe driver, multi-car, homeowner, paid-in-full, autopay, and good student discounts may apply.
8. Consider liability-only on older vehicles. Full coverage may not be cost-effective for low-value cars.
9. Reduce annual mileage if possible. Report accurate mileage.
10. Re-shop every 6–12 months. Florida’s market changes often.

Florida Minimum Auto Insurance Requirements

Florida is a no-fault state and generally requires 10/20/10 coverage — $10,000 in Personal Injury Protection (PIP), $10,000 in Property Damage Liability, and Bodily Injury Liability of $10,000 per person / $20,000 per accident in certain circumstances. Many drivers choose higher limits for better protection.

Hurricanes, Flooding, and Comprehensive Coverage

Florida drivers face hurricanes, flooding, theft, and storm-related damage. Comprehensive coverage can help protect your vehicle from non-collision damage such as theft, falling objects, and storm impacts (coverage varies by policy).

Use the county list above to explore local insurance agencies in your area and compare options side-by-side.