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Auto

Insurance

Florida

Let Us Do the Shopping For YOU!

HERE’S WHERE TO START: In Florida, you’re required to carry the following minimum limits for coverage: $10,000 property damage liability per accident$10,000 personal injury protection.

Each State has it’s own minimum liability requirements to grant a driver legal access to the road. This keeps you protected and your fellow driver.

Here’s a Florida Marlin’s ballpark of rates to expect!

The General$80
National General$88
Mendota Ins. Company$100
Progressive Insurance$102
TOP 4 COMPANIES FOR LIABILITY ONLY, WE SELL EM ALL!
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Don’t drive without getting covered. And Don’t Tail-gate.

We Bring you Savings!

We here at A Plus Insurance are not ‘Captive Agents’, thus we are able to shop through our Trusted Carriers to find you the best rate. No Brokerage fees, No Pressure, No Drama! Below are just some of our Trusted Insurance Companies that will help you recover after an unexpected loss.

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2022 Insurance Florida
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Advantage Auto Insurance
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The Sunshine State, home to Dolphins both aquatic and land dwelling! We can work together to find a rate that’ll keep you poolside! So what rate can you expect?

CHEAPEST AUTO INSURANCE FOR MALE DRIVERS IN FLORIDA

Males typically pay less for insurance than females in Florida, but the numbers are so close depending on the city in Florida.

The metric with more impact isn’t always gender, much of the time it is age and location…so a teenage male will be much more expensive to insure. So gentlemen, if you are paying less for insurance in Florida once over 25, we guess dinner is on you!

Top Average Monthly Rates For Males in Florida

Car Insurance CompanyAverage Monthly Payment
The General$151
21st Century$155
GAINSCO$156
Progressive$156

CHEAPEST INSURANCE FOR FEMALE DRIVERS IN FLORIDA

Did you know that Miami is the only US City founded by a female?

When compared nationwide, a woman’s car insurance is less expensive than her male counterpart. This should be even more with Florida Insurance. This is due to the statistical connection between male drivers and auto insurance claims.


Ladies have the brains and the beauty, with that comes perks like a lower insurance premiums. In either case the key to finding the best insurance in Florida for you boils down to one key action: Shop around!

Top Average Monthly Rates For Females in Florida

Car Insurance CompanyAverage Monthly Payment
Dairyland$128
Assurance America$134
GAINSCO$136
Nationwide$138

CHEAPEST CAR INSURANCE FOR YOUNG DRIVERS IN FLORIDA

There’s a multitude of things that an insurance carrier considers when settling on your rate. It is no different in the U.S.’s third most populous state of Florida with well over 21 million happy and tanning residents.

One key factor not to be ignored is age. If you are under 25, you will be paying more for insurance. But this is not the end of the tale, some insurance companies offer Good Student Discounts. Study hard and drive safely!

Top Average Monthly Rates For Young Drivers in Florida

Car Insurance CompanyAverage Monthly Payment
National General$124
Progressive Insurance$135
Acceptance RTR$148
American Family$149

BEST AUTO INSURANCE WITH BUNDLE / HOMEOWNERS INSURANCE FLORIDA

Mickey and Minnie…talk about a classic bundle!

You know what else is a classic bundle?

Connecting your Auto and Home insurance. Why you may ask? It leads to discounts…great Florida insurance discounts you can use to bring the whole family to Disney!  

Top Average Monthly Auto Rates in Florida With Homeowners Bundle

Car Insurance CompanyAverage Monthly Payment
GEICO$129
Bristol West$136
Mendota$136
Acceptance RTR$137

LEAST EXPENSIVE BROADFORM / NONOWNERS AUTO INSURANCE FLORIDA

Don’t let the name fool you, a broadform policy is not as broad as the name might suggest.

In fact it is very limited insurance in Florida…however, because of this it tends to be fairly inexpensive…especially if you are looking for cheap car insurance in Florida.


Broadform policies ONLY cover auto liability for YOU the named insured. It covers the state minimum limits of liability thus, injuries sustained by another driver (Property and Bodily) are covered.

It does NOT cover you or your passengers injuries or your vehicles injuries.


When would one need a Broadform if it’s so limited: Perhaps you don’t own the vehicle you drive or you drive someone else’s vehicle on occasion…then this could be the way to go.

Top Average Monthly Auto Broadform or Nonowners Rates – Insurance Florida

Car Insurance CompanyAverage Monthly Payment
Progressive$87
Dairyland$92
The General$121
Medota$140

CHEAPEST FULL COVERAGE – INSURANCE FLORIDA

Full coverage insurance in Florida means you have added Comprehensive and Collision to you policy. This is vital to cover a newer vehicle that you are unable to replace in the case of a total loss. This way… you won’t be up the creek in Gator country without a paddle.

Top Average Monthly Auto Full Coverage Rates in Florida

Car Insurance CompanyAverage Monthly Payment
National General$128
Mendota$147
USAA$150
Bristol West$153
Full coverage does not include other add-ons like med pay, rental, and towing.
Do You Know the Difference?

FR-44 Vs. SR-22

SR-22 is for general serious violations and FR-44 is for violations that involve impairment such as a DUI /DWI or other alcohol related violations.

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2022 Insurance Florida

MOST AFFORDABLE INSURANCE WITH DUI, ACCIDENTS, OR VIOLATIONS IN FLORIDA

All states require a SR-22 filing for serious moving violations and the Sunshine state is no different.

Florida, however, is one of the two states that require a FR-44 filing.
What is the difference between the two?

SR-22 is for general serious violations and FR-44 is for violations that involve impairment such as a DUI /DWI or other alcohol related violations.

These violations can raise your Florida Insurance rates, that is why it is key to shop around.

Top Average Monthly Auto Rates in Florida With Violations on Record – Insurance Florida

Car Insurance CompanyAverage Monthly Payment
Dairyland$147
Bristol West$150
21st Century$152
Nationwide$157

MOST AFFORDABLE SR-22 INSURANCE IN FLORIDA

An SR-22 as mentioned above is for serious moving violations not related to driving while impaired. For example, too many speeding tickets within a brief period.

Top Average Monthly Auto Rates in Florida With An SR-22

Car Insurance CompanyAverage Monthly Payment
Dairyland$79
National General$91
Progressive Insurance$95
The General$100
SR-22 is not insurance but an attachment to an actual policy to be filed that says you are financially responsible enough to be on the road.

LOWEST COST AUTO INSURANCE WITH BAD OR POOR CREDIT IN FLORIDA

Does bad credit have you floundering like Florida’s state fish the Largemouth Bass?

This may have affected your insurance rates.


Don’t despair, we’ll get you to freshwater by shopping around for the rate that is perfect for you!

Top Average Monthly Auto Rates in Florida With Bad or Poor Credit

Car Insurance CompanyAverage Monthly Payment
Dairyland$147
Nationwide$155
Assurance America$160
The General$166

Frequently Asked Questions

How much is insurance in Florida per month?

The average cost of car insurance in Florida is $185 monthly for Full Coverage Insurance in Florida. But, there are no blanket insurances. Factors like driving history, gender, credit, and vehicle, even location can impact your final rate.

Is Florida an ‘a fault’ state?

Florida is a “no-fault” car insurance state, simplifying the claims process, since your own insurance pays for your medical bills and other economic losses.

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2022 Insurance Florida
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Last Updated on by Amanda Moss