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Car Insurance Florida

Whether you’re cruising down the streets of Miami or the scenic roads of the Florida Keys, Mercury is here to help protect you and your vehicle. We offer a range of customizable coverage options that meet Florida’s car insurance laws while helping you save with competitive rates and discounts.

Contact us today for a fast, free quote!

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Florida Car Insurance Requirements

In Florida, drivers must carry specific types of insurance to comply with state laws. Here’s a breakdown of what you need:

  • Personal injury protection (PIP): PIP helps cover medical expenses for you and your passengers, regardless of fault. Florida requires a minimum of $10,000 in PIP.
  • Property damage liability (PDL): This covers damages to other people’s property in the event of an accident. The state requires a minimum of $10,000 in PDL.

You can also get optional auto insurance coverages to help better protect yourself. Here are some of your options:

  • Bodily injury liability: This coverage helps pay for medical expenses, lost wages, and even legal fees if you cause an accident that injures someone else.
  • Collision protection: If your car is damaged in a collision with another vehicle or object (like a tree or guardrail), collision coverage helps cover the cost of repairs or replacement.
  • Comprehensive coverage: Comprehensive insurance protects your car from damages that aren’t caused by a collision, such as theft, vandalism, weather damage, or hitting an animal.
  • Uninsured/underinsured motorist coverage: This coverage helps protect you in case you’re in an accident caused by a driver who doesn’t have insurance or not enough to cover your medical bills or repairs.

What Is Full Coverage Auto Insurance in Florida?

Full coverage auto insurance in Florida typically refers to a combination of coverages that go beyond the state’s minimum requirements. Along with the state-mandated coverage (PIP and PDL), it usually includes bodily injury liability, collision protection, and comprehensive coverage. Ultimately, full coverage gives you better protection than relying solely on the state’s minimum coverage requirements. 

How Much Is Car Insurance in Florida?

According to Bankrate, the average cost of car insurance in Florida is $3,594 per year for full coverage and $1,111 per year for minimum coverage. However, these are averages, so your premium can vary based on multiple factors like location, driving history, and age.

Is Florida a No-Fault Car Insurance State?

Yes, Florida is a no-fault car insurance state. This means that if you’re involved in an accident, your own insurance will cover your medical expenses and certain other losses, regardless of fault.

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Get Car Insurance Savings & Discounts in Florida

Florida drivers have plenty of opportunities to save, thanks to a variety of discounts we offer. Here are some of the discounts you may qualify for in Florida:

  • Multi-Car Discount: Got more than one car in the family? Insure them all with us and enjoy up to 16% off.
  • Accident-Free for 3 Years: If you’ve been accident- and violation-free for three years, you could save up to 8%.
  • Paid in Full: Paying your premium in full upfront? You could enjoy a 15% discount.
  • AutoPay: Enroll in auto-pay and receive an additional 4% off your premium.
  • E-Signature Discount: Sign your documents electronically and get a 3% discount.
  • New Business 5-Year Accident-Free: New customers with a clean record for the past five years can receive a discount of up to 14%.

How to Get Car Insurance in Florida

Ready to get started with affordable, reliable car insurance? Contact a local Mercury agent to discuss your options and get a personalized quote. You can also start a quote online or call us at (877) 325-1238.

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Factors Affecting Car Insurance Rates in Florida

Several key factors can influence how much you pay for car insurance in Florida, including:

  • Driving record: If you have a clean record with no accidents or tickets, you’ll likely pay less. On the flip side, speeding tickets, accidents, or other violations can raise your rates.
  • Location: Drivers in densely populated areas like Miami or Orlando may pay higher premiums due to increased traffic, higher accident rates, and even weather risks. In smaller towns or rural areas, rates tend to be lower since the risk of accidents is less.
  • Age: Younger drivers, particularly teens, tend to pay more for car insurance because they’re seen as higher risk due to their limited driving experience.
  • Vehicle type: Luxury cars, sports cars, or newer models typically cost more to insure because they’re more expensive to repair or replace. Standard sedans or older models generally come with lower premiums.

  • Coverage options: Basic coverage will cost less, but if you opt for extras like collision, comprehensive, or uninsured motorist coverage, you’ll pay a bit more for the added peace of mind.

Top-Rated Car Insurance in Florida

For over 60 years, Mercury Insurance has been committed to providing quality coverage at affordable prices while delivering exceptional customer service. Over the years, Mercury has been honored with numerous awards, including being named one of America’s Most Trustworthy Companies by Forbes multiple times. We were also recognized as the Best Insurer for Overall Satisfaction in the Shopping Segment of the J.D. Power 2021 U.S. Digital Experience Study. Read about their experiences.

Drivers love Mercury, too. Here’s what real customers have to say about us:

Learn More About Car Insurance

Check out our top blogs to learn more about auto insurance:

What’s the Difference Between At-Fault vs. No-Fault States?

Your Guide to Car Insurance Requirements State-by-State

What Do You Need to Know About Car Insurance After Marriage?

Car Insurance When Moving States: Steps to Ensure a Smooth Transition

Florida Car Insurance FAQs