Every Florida auto coverage type — compared.
From FL minimum liability to FR-44 to classic-car agreed-value, we match you with the cheapest licensed FL carrier for what you need.
Liability-Only Insurance (FL Minimum Coverage)
Florida is one of the cheapest states for minimum-coverage liability — the legal minimum is $10K PIP + $10K PDL (no bodily injury required, unique to FL). This is why so many FL drivers run cheap liability-only on older paid-off cars.
ViewFull-Coverage Auto Insurance
Lenders require full coverage on financed vehicles. FL avg full-coverage runs $3,200–$3,500/yr — but the spread between cheapest and priciest carrier on the same driver is often $1,500+/yr. Shop every renewal.
ViewSR-22 / FR-44 Filing Insurance
Florida is unique — most states use SR-22 forms, but FL requires an FR-44 for DUI, alcohol-related, and serious offenses (with 100/300/50 minimum liability). SR-22 is used for other suspensions. We match you with carriers that file the right one.
ViewNon-Owner Car Insurance
FL non-owner policies cover you when driving borrowed/rented vehicles and satisfy DHSMV requirements for SR-22 / FR-44 reinstatement. Typically $40–$80/mo with minimum liability.
ViewRideshare / Delivery Driver Insurance
Florida personal auto policies usually exclude rideshare/delivery use — meaning if you crash mid-trip, your claim can be denied. Carriers like Progressive, GEICO, State Farm, and Allstate offer rideshare endorsements (typically $10–$25/mo) that fill the gap.
ViewCommercial Auto Insurance
If you use your vehicle for paid work (more than commuting + rideshare), FL personal policies likely exclude it. Commercial auto is more expensive but pays out — and often required by clients/landlords/lenders.
ViewClassic & Collector Car Insurance
Classic-car policies in FL use agreed-value coverage (you and the carrier agree the payout up front) instead of actual cash value — and limited mileage tiers make them often CHEAPER than your daily-driver policy.
ViewInsurance for New / Teen Drivers
FL good-student (GPA 3.0+) discount averages 10–15%. The state-approved 4-Hour Basic Driver Improvement Course can save another 8% for 3 years.
ViewInsurance Without a Driver's License
FL carriers can write a policy for an unlicensed owner if a licensed primary driver is listed (e.g., a permit holder, suspended driver, or family member). Direct Auto, Bristol West, and GAINSCO commonly do this.
ViewFR-44 Insurance After DUI
Florida's FR-44 (FL Statute 324.131) requires 100/300/50 limits — five times the minimum FL liability. Average FR-44 premium runs $200–$400/mo for 3 years before you can drop it.
ViewNot sure what coverage you need?
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