Full Coverage Car Insurance in Florida: Costs and Strategies to Save Money

Every state has its own unique insurance laws. These regulations determine the factors that affect insurance premium costs. If you live in or are visiting Florida, it’s essential to understand full coverage car insurance, associated costs, and strategies for finding the most affordable policy.

This blog covers key factors affecting car insurance costs in Florida, average car insurance rates in the state, available coverage types, and common misconceptions about car insurance expenses. Let’s get started!

Factors Affecting Car Insurance Costs in Florida

Several factors determine the costs of car insurance in Florida:

• Driving Record: Having an excellent driving record allows you to spend less. On the contrary, driving crimes, violations, and accidents will result in increased rates.
• Age and Gender: Younger drivers or senior citizens, particularly males, may have to pay extra.
• Location: High traffic congestion and crime rates, as opposed to tranquil rural places, may result in higher premiums.
• Vehicle Type: High-performance or luxurious vehicles are more expensive to cover because of their higher repair costs and theft rates.
• Credit Score: The insurers may use credit history as a determinant of risk. Low scores might increase the premiums.
• Coverage Level: Full coverage of car insurance in Florida that includes comprehensive, and collision insurance would be more expensive than minimum liability coverage.
• Annual Mileage: Those who drive higher miles annually will pay more in premiums because they are exposed to more potential threats.

Average Car Insurance Costs in Florida:

Florida has one of the highest car insurance rates. In 2025, the median full-coverage annual premium was $3,992, or about $333 per month. It’s a few bucks higher than the national average because of specific reasons:

• High population density and congested roads with heavy traffic.
• Hurricanes and tropical storms are frequent in Florida, which can lead to more claims.
• Many Florida drivers do not have insurance; this pushes the cost for the insured to cover themselves in case of an accident involving an uninsured driver.

Florida-Specific Laws & Coverage Options

Understanding affordable car insurance Florida rules and coverages can be very important to ensure proper protection.

1. No-Fault Insurance System

Florida has a no-fault system. Each driver must carry Personal Injury Protection, which will pay for you and your passengers’ medical costs after an accident, irrespective of fault. It’s a quick method of providing for medical bills and reducing lawsuits, but it results in higher premiums since more claims are made.

2. Minimum Coverage

The state requires the following minimum coverage:

• Personal Injury Protection $10,000
• Property Damage Liability (PDL): $10,000

These offer minimal financial protection.

3. Optional Coverages

To add another layer of protection, consider adding optional coverages like:

• Bodily Injury Liability: Covers others’ injuries if you cause an accident.
• Uninsured/Underinsured Motorist Coverage: This covers you in case of an accident where the driver has insufficient insurance.
• Comprehensive and Collision Coverage: This covers accidents, theft, or even natural disasters.

Common Myths About Florida Car Insurance Costs

The following car insurance misunderstandings can create insufficient coverage and lead to hidden expenses:

Myth: Your Vehicle’s Colour Affects Your Insurance Premium

Truth: The car’s colour plays no role in the determination of the premium quotes. Car owners should be sure that insurance costs depend on vehicle attributes such as car make, age, model, and safety qualities.

Myth: Car Windshield Repair & Replacement is not Covered

Fact: Full coverage car insurance in Florida abides by the “Florida windshield law,” which requires insurance companies to waive the deductible for auto glass repair & replacement. This means car owners won’t have to pay for windshield or side window repair & replacement services.

Myth: Minimum Coverage is Enough

Fact: Although the minimum coverage in Florida meets the legal requirements, it is still not enough to provide financial protection in case of a serious accident.

Conclusion

Every state has its own regulations, coverage options, and cost factors. Suppose you are looking for affordable car insurance in Florida or full coverage car insurance in Florida. In that case, you must understand the costs and factors influencing them to make the best financial and safety decisions.

In this regard, you can connect with NuVision Auto Glass for professional windshield repair and replacement, along with ADAS calibration. With mobile windshield replacement services, you get the highest level of service for auto glass repair & replacement in your own home.

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FAQs

What are Florida car insurance costs per month?

Florida car insurance costs range between $95 and $348 each month, and they can fluctuate depending on location, driving history, and other aspects of your coverage.

Is $200 per month a bad car insurance quote?

Paying $200 for full coverage car insurance in Florida might not be such a high rate, but paying it only for minimum liability insurance can be quite high.

Is Florida the costliest state to have car insurance in?

Yes, Florida, along with Louisiana and Michigan, is among the top three costliest states for car insurance in 2025. 

Why is Florida car insurance so high?

Florida car insurance costs are high because of factors like a no-fault insurance system, several Florida drivers without coverage, hurricanes and high-severity weather affecting the state, and an increasing number of accidents in places like Miami, Tampa, and Orlando.