PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
Why is car insurance so expensive in Florida?
We have two cars and two adult drivers, no kids, one accident last year, and our insurance premium for this renewal period is $1,900 for six months. Why is Florida car insurance so expensive?
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Florida is one of the most expensive states for car insurance because it’s a no-fault state with busy roads, high healthcare costs, and one of the highest rates of uninsured drivers.
- High number of uninsured drivers: According to a 2019 study from the Insurance Information Institute, 20.4% of Florida drivers don’t carry auto insurance This represents a major liability for insurance companies and raises rates for everyone else.
- Busy roads: Florida attracts tons of tourists—approximately 137.6 million in 2022 alone! The result is crowded roads with drivers who don’t know the area: a recipe for crashes.
- No-fault insurance: Because Florida is a no-fault state, all drivers must purchase personal injury protection (PIP). Florida’s PIP costs are elevated due to the high cost of healthcare in the Sunshine State.
- Inflation: Insurance rates have increased for drivers in all states in 2023 as a result of the rising cost of car repairs
To keep your Florida insurance costs low, use an insurance broker like
Jerry
that can automatically shop for you and find you the best rate at every renewal.View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies