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Search by Quote ID → Search by Date of BirthCar 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.
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.
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%.
You can also save by bundling your policies. Combine your homeowners or renters insurance with your auto insurance and take advantage of additional savings.
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.
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.
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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:
Great Company with great rates
from Mercury Customer
Bruno in Palm City
First time using mercury for my car insurance. Very pleased with the company customer service, and the rates are incredible.
I am very Happy, so far with Mercury, have already referred
from Mercury Customer
Kelley in Palm Beach Gardens
Great rates!! Strong and Sustainability Involved!! New to Mercury no claims. So far very Happy!!
Excellent service
from Mercury Customer
C in Redington Beach
Every representative I interacted with was exceptional. Very professional, knowledgeable, and helpful.
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 TransitionFlorida Car Insurance FAQs
What is the average monthly payment for car insurance in Florida?
According to Bankrate, the average cost of auto insurance in Florida is $300 per month for full coverage and $93 per month for minimum coverage.
Why is auto insurance so expensive in Florida?
Florida’s high insurance costs are likely due to a combination of factors, including the state’s severe weather, no-fault insurance system, a high number of uninsured drivers, and heavy traffic and accidents in major cities like Miami and Orlando.
Is comprehensive and collision insurance required in Florida?
No, comprehensive and collision insurance is not required in Florida.
Do you need insurance to register a car in Florida?
Yes, the state requires you to have car insurance to register your vehicle.
How much car insurance do I need in Florida?
You need to have at least the state’s minimum coverage to drive in Florida. However, that may not be enough to cover all expenses in the event of a serious accident. It’s always a good idea to evaluate your personal circumstances and consider more than the bare minimum to ensure you’re fully protected on the road.
Can I have out-of-state car insurance in Florida?
No, you can’t have out-of-state insurance if you live in Florida.
Can you get car insurance without a license in Florida?
Yes, it’s possible to get car insurance in Florida if you don’t have a driver’s license. For example, you might own a car but have a designated driver. If you’re in this situation, contact an insurance agent who can help guide you through the process.
How to lower car insurance in Florida?
To lower your car insurance in Florida, compare quotes from multiple insurers to find the best rates. You can also take advantage of discounts, such as bundling your auto and home insurance. Additionally, choosing a higher deductible can reduce your premium, though it means paying more out-of-pocket in the event of a claim.
What happens if you don't have car insurance in Florida?
If you fail to maintain continuous insurance coverage, even if the vehicle is not being driven, your driver’s license and license plate can be suspended for up to three years. Additionally, if you cancel your insurance without surrendering your license plate first, you'll face reinstatement fees, which can be as high as $500.
Can you buy a car without insurance in Florida?
You may be able to purchase a car, but you can’t drive it since the state requires you to have auto insurance to register a vehicle and drive legally.
Is there a grace period for car insurance in Florida?
Yes, in Florida, there’s a 30-day grace period for paying your car insurance premium after the first payment. This means that if you miss a premium payment, you have up to 30 days to make the payment without losing coverage.
What are helpful resources for Florida drivers?
Here are some helpful resources for Florida drivers:
What other insurance options does Mercury offer in Florida?
Here are the products Mercury offers to Florida residents: