Florida Car Insurance Guide (2020 Coverage + Quotes)

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Florida Statistics SummaryDetails
State Population21,299,325
Road MilesTotal in State: 122,391
Vehicle Miles Driven: 201.04 Billion
Driving DeathsSpeeding: 299 - 10%
Drunk Driving: 839 - 27%
VehiclesRegistered: 14,946,691
Total Stolen: 42,579
Most Popular VehicleToyota Corolla
Average Premiums (Annual)Liability: $858
Collision: $283
Comprehensive: $117
Full Coverage: $1,257
Percent of Motorists Uninsured26.7%
State Rank: 1st
Cheapest ProviderUSAA
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Florida Car Insurance has been dedicated to bringing you the best car insurance in Florida since 2017, with fresh updates for 2020. You may have wondered, “Why is Florida car insurance so expensive?” Florida is one of the few states with a high uninsured motorist percentage, and no-fault insurance plays a role in high rates.

Florida also has several metropolitan areas that have a dense population and a high number of claims. However, we can show you cheap car insurance loopholes that’ll save you money. Read on to learn more about Florida discount car insurance and learn everything you need to know to buy Florida auto insurance.

Find the best car insurance in Florida with our FREE comparison tool! Enter your ZIP code above for a comparison of Florida car insurance quotes.

Table of Contents

Florida Car Insurance Coverage and Rates

The biggest question in car insurance: “What will it cost!?” The cost of Florida auto insurance is high, but it’s better to be insured than to be uninsured.

Have you tried to Google how much the top insurers in your state charge for the coverage you need? Before this guide, you’d be on a frustrating, time-draining wild goose chase with no definitive answers.

Watch this video on what you can expect from Florida car insurance.

If you are looking for EXACT dollar amounts, specific Florida car insurance companies are charging without providing all of your personal information.

Florida Minimum Coverage Requirements

Before we get into details, let’s examine Florida car insurance requirements.

Florida Car Insurance Requirements
Coverage Type Also CalledMinimum Required
Personal Injury ProtectionPIP$10,000
Property Damage LiabilityPDL$10,000
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Florida car insurance laws mandate a minimum of 10/20/10. Here’s what 10/20/10 insurance in Florida means, according to the Florida DMV:

  • 1st number: (10 = $10,000) This is the bodily injury liability (BIL) required. It covers one person who is injured in one accident
  • 2nd number: (20 = $20,000) This is the BIL that covers all of the injured people in one accident
  • 3rd number: (10 = $10,000) This is the property damage liability (PDL) required. It covers the damages – you’re responsible for – to other people’s property

Florida is one of two states (New Hampshire is the other) that does NOT require bodily injury liability.

Forty-four states require at least $20,000 in bodily injury liability coverage, and some require as much as $50,000.

The Florida Financial Responsibility Act requires that if you’re found to have caused an accident, you’ll be required to cover $10,000 for one person per accident and $20,000 for multiple people per accident.

If you’re found to be at-fault without bodily injury liability coverage, you could pay out-of-pocket expenses you caused.

As stated in the above news report, this could change. For now, Florida is one of 10 states that require drivers to have at least $10,000 of personal injury protection (PIP) coverage.

PIP is also known as “no-fault coverage” that pays for your medical bills and personal injury costs regardless of who was at fault.

Here is the breakdown of what (and how much) PIP will cover:

  • 80% of medical bills: Pays for surgeries, prescriptions, ambulance fees, rehabilitation, glasses, hearing aids, etc.
  • 60% of lost wages: Pays you back for your actual lost income and your lost earning capacity.
  • 100% of services: Pays for services for things you can no longer do, such as cleaning or yard work.
  • 100% of mileage: Pays for the distance you log going back and forth to the doctors’ offices and rehab centers.
  • $5,000 death benefit: If someone on your policy dies. This is in addition to the $10,000 for the above four categories.

Important! Personal injury protection claims must be made within 14 days of the accident.

Forms of Financial Responsibility Required in Florida

Do you already carry the minimum car insurance required by Florida law? If you can answer “yes,” that’s great! But is it enough?

Every time you drive on Florida public roads, you must carry tangible proof that you and your vehicle are insured by an agent who works for a company licensed to sell auto insurance in Florida.

If you are involved in an accident or pulled over by a police officer, you MUST be able to show proof of insurance (POI) which includes the following:

  • Insurance company
  • Policy information
  • Effective dates

If you can’t show proof of your insurance, you will be given a ticket and lose your license. You will not receive a temporary or restricted license in the meantime. You will have your driving privileges entirely revoked until you pay the penalty and reinstatement fees, provide proof of insurance, and reapply for a new Florida license.

The chart below shows the price you’ll have to pay to get your license back:

Florida Fines to Reinstate License
Driving without InsuranceFine
1st Offense$150
2nd Offense$250
3 or more$500
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There’s no excuse to be driving without insurance. Don’t get behind the wheel without it. The below video provides tips for how you can protect yourself from the irresponsible uninsured motorists on the roads around you in Florida.

Don’t live in Florida but own a car that does? You still need Florida insurance for that vehicle.

Any person who has a vehicle in Florida for more than 90 days during 365 days must purchase personal injury protection and property damage liability. The 90 days do not have to be consecutive.

Car Insurance Premiums as a Percentage of Income in Florida

Here’s a preview of car insurance rates as a percentage of income in Florida.

Florida Premiums as % of Income
 201220132014
Disposable Personal Income$37,195$36,606$38,350
Full Coverage Premiums$1,197$1,210$1,209
Percent of Income3.22%3.30%3.15%
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Disposable Personal Income (DPI) is the money you earn before you pay your bills but after taxes.

Check out how quickly an income of $75,000 drops after taxes are deducted in top cities.

An excellent income of $75,000 quickly becomes $60,996 after taxes, and you still have all your bills to pay, including $1,257 a year for car insurance.

As a Florida resident, you should anticipate paying over three percent of your income for the state minimum required car insurance.

Curious how Florida’s premium-to-income ratio compares to nearby states? Check out the graph we made below to show just that.

Each state’s percentage didn’t fluctuate much from year to year, but Florida’s premiums-to-income rate was significantly higher.

A one percent difference between Alabama and Florida quickly translates to spending about $400 more of your hard-earned disposable income on car insurance.

Let’s take a closer look at disposable income versus car insurance rates in those same neighboring five states for 2014:

The average DPI is higher in Florida, but the percentage of income from car insurance is just as much.

Is it expensive? That’s because it is. Florida has the fourth most expensive car insurance (compared to income) in the United States.

Core Coverage Costs in Florida

To start this section off, we’ll explore core coverage rates from the National Association of Insurance Commissioners (NAIC).

Florida Core Coverage Costs
Coverage Type20112012201320142015
Liability$814$856$860$837$858
Collision$237$235$243$260$283
Comprehensive$110$106$107$112$117
Full Coverage$1,160$1,197$1,210$1,209$1,257
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The average full coverage car insurance costs in Florida were almost identical from 2013 to 2014. In 2015, Florida had the biggest price increase in five years.

Here’s how those costs compared to the states nearest Florida and the national average:

Florida’s car insurance coverage has been consistently more expensive than the states nearby, while the national average increased by $200 to $400 a year.

Additional Liability Coverage in Florida

Let’s look at some additional liability coverages and how car insurance companies pay out in Florida.

Florida Loss Ratios 2012-2014
Loss Ratio201220132014
Medical Payments (Med Pay)74%73%81%
Uninsured/Underinsured Motorist (UM/UIM)73%80%86%
Personal Injury Protection (PIP)75%62%76%
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The loss ratio shows how much a car insurance company pays in claims versus the number of premiums they earn from customers. It means that for every $100 earned from car insurance companies in Florida, $81 is spent in claims.

While personal injury protection (PIP) is required in Florida, medical payments (Med Pay) and uninsured/underinsured (UM/UIM) coverage are all optional.

Florida is ranked first for the most uninsured motorists in the entire country. An alarming 27 percent of the motorists on Florida roadways were driving without car insurance in 2015.

What does this mean? Uninsured motorists don’t have ANY help paying for damages and injuries they cause in an accident. If you sue them, they will likely go bankrupt before spending even a small portion of all the bills you will rake in.

That’s when the additional coverage listed above is such a massive help to you, the responsible driver. If you get in an accident with an uninsured motorist, your PIP, Med Pay, and UM/UIM coverage will pay those bills while you focus on getting a working vehicle, your health, and your life back.

With over a quarter of all the motorists on Florida roads driving illegally without car insurance, you better not get behind the wheel without PIP at the VERY least.

Let’s elaborate on the loss ratio.

On average, auto insurance providers paid for claims amounting to 76 percent of the premiums Florida residents paid for the additional liability coverage options: PIP, UM/UIM, and Med Pay.

The loss ratio is a lot more straightforward then it sounds. Here’s an example of Florida’s 76 percent loss ratio: you pay $1,000 for coverage, and your provider pays $760 for damages.

Florida’s loss ratio for additional liability coverage has been right where you want it. Here’s what can happen if they get too high or too low:

  1. If the loss ratio is too high, the insurance provider will soon be raising the rates to keep the business running
  2. If the loss ratio is too low, it means that the insurance provider is not paying out all of the claims they should be

Be sure to look at the provider’s loss ratio when choosing where to get your car insurance. Don’t just focus on what you’ll be charged, but more importantly, the coverage you will get back for that money you invest.

Add-ons, Endorsements, and Riders in Florida

  • Guaranteed Auto Protection (GAP)
  • Personal Umbrella Policy (PUP)
  • Rental Reimbursement
  • Emergency Roadside Assistance
  • Mechanical Breakdown Insurance
  • Non-Owner Car Insurance
  • Modified Car Insurance Coverage
  • Classic Car Insurance

Pay-As-You-Drive or Usage-Based Insurance in Florida

To get an idea of what usage-based insurance can do, watch this video.

This type of insurance goes by a few names:

  • Pay-as-you-drive (PAYD)
  • Usage-based insurance (UBI)
  • Pay-how-you-drive (PHYD)
  • Pay-per-mile
  • Pay-as-you-go

All of the above terms refer to car insurance companies using telematics to determine how you drive. Usually, your provider will use the driving data provided to adjust your premiums.

The box below lists four of the most popular usage-based programs that are available in Florida. Click on the program name for more details.

Florida Usage-Based Programs
Insurance CompanyProgram NameWhat it Can Save You
AllstateDrivewise- up to 10% at sign up
- up to 30% based on driving
NationwideSmartRide- 10% at sign up
- up to 40% based on driving
ProgressiveSnapshot- up to 30% based on driving
- on average: $130
State FarmDrive Safe & Save- about 5% at sign up
- up to 30% based on driving
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Most auto insurance providers offer a telematics program that helps streamline your coverage and lower your rates based on your driving and mileage.

Be sure to ask your local agent. Don’t have one yet? Use our FREE comparison tool to find the best provider for you.

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Car Insurance Rates in Florida by Gender and Age

Let’s take a quick look at how car insurance rates are affected by age and gender.

Florida Car Insurance Rates: Gender, Age, Married vs Single
CompanySingle Female Age-17Single Male Age-17Single Female Age-25Single Male Age-25Married Female Age-35Married Male Age-35Married Female Age-60Married Male Age-60
Allstate$15,906$17,179$4,593$4,639$4,653$4,423$4,040$4,090
Geico$5,343$6,713$3,293$3,344$2,987$3,001$2,794$2,794
Liberty Mutual$7,860$12,117$3,711$5,037$3,711$3,711$3,399$3,399
Nationwide$7,315$9,014$3,347$3,484$3,040$3,001$2,710$2,806
Progressive$10,513$11,454$4,509$4,303$3,736$3,523$3,201$3,428
State Farm$6,166$7,833$2,399$2,556$2,159$2,159$1,955$1,955
USAA$5,638$6,552$2,060$2,226$1,646$1,619$1,536$1,525
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As you can see, your age and gender make a big difference in how much you pay for your car insurance.

On average, in Florida, a 17-year-old male can be expected to pay $15,654 more than a 60-year-old male.

Essentially this means that a teen boy living in Florida is having to spend more on car insurance than he would on buy his very first car. In addition to getting older, getting married can grant you lower rates too.

Plus, each provider charges their rates (within state laws). Take a look at this graph comparing three of the largest car insurance providers in Florida:

All three providers charge more for teen and student driver insurance in Florida, but Allstate puts a drastically high price tag on 17-year-old drivers’ car insurance rates premiums.

The reason teen and student drivers have expensive car insurance because they’re high-risk drivers.

Speaking from experience as a dad of two teen drivers and insurance agent, Dan Weedin shares helpful tips for lowering your teen’s car insurance rates in the video below.

Florida Car Insurance Rates by ZIP Code

It was difficult locating Florida car insurance rates by county, but we’ve got Florida car insurance by ZIP code.

The ZIP code in Florida with the cheapest car insurance is found in Waldo, where the premiums are $4,150 less a year than they are in parts of Miami.

This rate chart is a perfect example of why price comparing is so important in car insurance. In Tampa, for example, Allstate charges an average of $8,889 more a year than Geico. That is no little difference.

Take a look at the rates from the same three providers (compared above) in the five most and least expensive parts of Florida:

Allstate’s car insurance rates are drastically higher in many parts of Florida, especially Tampa. The best car insurance in Tampa, regardless of cost, is Progressive and Geico.

Florida Car Insurance Rates by City

Miami holds the top seven most expensive areas in Florida for car insurance, and Gainesville has the most zip codes with the least expensive car insurance in the state.

Here’s how the five most and least expensive areas in Florida compare to the state average for their car insurance rates.

How do your car insurance rates compare to Florida’s average annual cost of $4,681? Stick with us, and we can help you keep your prices below the average.

Best Florida Car Insurance Companies

Commercials, flyers, billboards, emails, Facebook ads. Car insurance companies seem to be everywhere these days. Do you feel overwhelmed by the topic? Does it seem impossible to know who you can trust in the insurance world? You’re not alone.

You face a personal, highly sensitive decision of where to invest your hard-earned money.

It’s essential that you know – without a doubt – that your insurance will fully cover costly damages and medical care you and your family could desperately need in the horrible event of a crash.

This is a MAJOR decision that no one should take lightly. Keep reading for some quick, essential statistics about the car insurance companies in Florida. This guide will help you know who you can trust.

Don’t worry. We are an impartial source. We don’t work for any of these companies. We’re just rounding up and laying out the must-know facts for our readers.

Let’s start by looking at the financial strength of the biggest car insurance providers in Florida.

Florida Car Insurance Financial Ratings of the Largest Companies

Let’s examine the A.M. Best ratings of Florida’s largest car insurance companies.

Florida's Largest Providers: A.M. Best Ratings
Group (by Size: Largest at the Top)A.M. Best Rating
GeicoA++
State FarmA++
ProgressiveA+
AllstateA+
USAAA++
Liberty MutualA
TravelersA++
AmTrustA-
WindhavenA
InfinityA-
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You probably recognize those grades we all wanted in school, but do you know what they mean when it comes to an insurer’s financial standing?

Here’s the rating guide straight from A.M. Best (Text too small? Click on the image for full size):

Four of the largest auto insurance companies in Florida have the highest A.M. Best score possible (A++) thanks to a “superior ability to meet their ongoing insurance obligations.”

Everyone deserves the peace of mind that their insurance provider will pay for any claims they owe.

Companies with the Best Ratings in Florida

J.D. Power has successfully collected and analyzed the opinions of consumers worldwide for over 50 years. Here is what they found in their most recent study regarding customer satisfaction of their car insurance companies:

USAA (only for military families) and MetLife are the only two companies in Florida to receive J.D. Power’s highest rating: “Among the best.” USAA car insurance in Florida is the cheapest company.

The phenomenal score of 849 (23 points higher than the national average) proves that MetLife’s Florida customers have been thrilled. What’s impressive is that MetLife and USAA scored higher than the most well-known names in car insurance.

J.D. Power shared insight from their findings in this 2018 auto insurance study:

“Overall satisfaction tends to be highest when customers interact via a mix of online and offline communication methods. When there is an insurer-initiated premium increase, it is important to communicate that an increase is coming.”

Car insurance customers want multiple ways to get the info and help they need, and they wish to be warned before their rates go up. That’s not much to ask. Good job, MetLife.

Companies with the Most Complaints in Florida

What’s just as telling as financial strength and happy customers?

That’s why we found the complaint index for the 30 largest car insurance companies in Florida.

Complaint index is a weighted ratio of the number of consumer complaints filed with the Department of Insurance against the number of premiums written by that same insurance company.

The below chart ranks the largest Florida providers by the number of confirmed complaints that have been filed against them. The car insurance companies with the highest complaint ratios are at the top.

Florida Car Insurance Companies: Complaint Ratios
CompanyPremiumsMarket ShareComplaint IndexRank
First Acceptance$44,787,8610.3%11.4130
Ocean Harbor$160,478,0330.9%8.3329
Windhaven$354,136,4522.0%7.7528
National General$86,253,8590.6%3.7527
Direct General$203,221,4821.2%3.1426
United Automobile$174,930,8401.0%3.0025
Infinity$414,519,0441.9%2.2724
Gainsco$66,053,7290.4%1.8523
Sentry$77,860,5940.4%1.7922
Imperial$55,422,6530.3%1.1021
AmTrust$218,443,2752.2%1.0220
Mercury$153,483,0170.9%0.9419
Liberty Mutual$287,758,2453.2%0.8618
Esurance$185,380,1791.1%0.8417
21st Century$142,595,5640.9%0.8316
Hartford$251,893,1461.5%0.7915
Auto-Owners$74,108,9050.4%0.7714
MetLife$137,718,5370.8%0.7613
Nationwide$154,888,5781.0%0.6212
Allstate$1,665,272,2389.6%0.6111
State Farm$2,806,322,37615.9%0.5810
Geico$3,952,146,78424.4%0.589
USAA$1,190,475,6557.1%0.518
Progressive$2,555,512,86015.8%0.507
Travelers$398,082,1422.3%0.456
Safeco$268,580,6271.5%0.425
Florida Farm Bureau$150,242,0650.8%0.414
Amica$104,089,0190.6%0.383
Southern-Owners$166,288,4251.0%0.372
AAA$170,392,1350.9%0.361
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Here’s an explanation of rankings.

  • Ranking of 1 = Least Complaints
  • Ranking of 30 = Most Complaints

It’s not included, but The General car insurance in Florida is among the cheapest companies in Florida. The General’s complaint index is 1.21.

A complaint index of one is average. According to their complaint index, here’s a visual for the five best and worst Florida car insurance providers (out of the 30 largest).

It’s very impressive when a provider can maintain a high market share and low complaint index such the below five (pulled from the above table):

Florida's Top 5 Providers: Low Complaint Index & High Market Share
CompanyMarket ShareComplaint IndexRank
Progressive15.8%0.507
USAA7.1%0.518
Geico24.4%0.589
State Farm15.9%0.5810
Allstate9.6%0.6111
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Although Geico has a lower rank, it’s the largest company in Florida in terms of market share.

Cheapest Florida Car Insurance Companies

Through a partnership with the data powerhouse, Quadrant, we were able to collect average car insurance rates drilled down to specific coverage and driver details.

Our team of experts analyzed and organized the – exact dollar amount – average annual premiums across hundreds of categories for each of the largest car insurance providers in the nation by market share.

Three of the top ten did not have rate information in Florida. Those three were:

  • American Family
  • Farmers
  • Travelers

American Family does not provide car insurance in any part of Florida, but Farmers and Travelers both do.

Here are the remaining top seven providers, their average annual rates, and how they compare to the state average for car insurance costs in Florida. They are listed by what they charge, cheapest at the top:

Florida's Top 7 Providers: Rates Compared to State Average
CompanyAverage$ Difference% Difference
USAA$2,850-$1,830-64%
State Farm$3,398-$1,283-38%
Geico$3,784-$897-24%
Nationwide$4,340-$341-8%
Liberty Mutual$5,368+$688+13%
Progressive$5,583+$903+16%
Allstate$7,441+$2,760+37%
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Since 65 percent of the population are visual learners, we made a graph to illustrate the above info for you. Here are the average annual rates the top five auto insurance providers in Florida charge:

In the same state, one company charges an average of $4,591 more a year for the same coverage.

We can’t repeat enough how important it is to price compare and shop around before choosing your car insurance provider. Just enter your ZIP code into our FREE comparison tool to get started.

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Rates by Commute and Miles in Florida

Most car insurance companies factor the length of your commute to and from work every day and the total miles you drive each year into how much they are going to charge you for your car insurance coverage.

Here’s a chart that shows the average annual rates of top providers in Florida charge according to how much you drive each day and all year:

Florida Rates by Commute & Annual Miles: 7 Companies
Commute & MilesCompanyRate
Commute: 10 miles
Annual Miles: 6,000
USAA$2,818
Commute: 25 miles
Annual Miles: 12,000
USAA$2,883
Commute: 10 miles
Annual Miles: 6,000
State Farm$3,278
Commute: 25 miles
Annual Miles: 12,000
State Farm$3,517
Commute: 10 miles
Annual Miles: 6,000
Geico$3,765
Commute: 25 miles
Annual Miles: 12,000
Geico$3,802
Commute: 10 miles
Annual Miles: 6,000
Nationwide$4,340
Commute: 25 miles
Annual Miles: 12,000
Nationwide$4,340
Commute: 10 miles
Annual Miles: 6,000
Liberty Mutual$5,194
Commute: 25 miles
Annual Miles: 12,000
Liberty Mutual$5,542
Commute: 10 miles
Annual Miles: 6,000
Progressive$5,583
Commute: 25 miles
Annual Miles: 12,000
Progressive$5,583
Commute: 10 miles
Annual Miles: 6,000
Allstate$7,228
Commute: 25 miles
Annual Miles: 12,000
Allstate$7,653
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Did you catch it? Not all car insurance providers are going to increase your rates based on how much you drive.

Nationwide and Progressive’s premiums do not increase when the commute and annual miles are driven are doubled.

Do you have a long commute to work every day? Take weekend road trips whenever possible? Have a child on a travel team? Regardless of the reason, if you shop around, you probably can avoid being penalized for those extra miles.

Rates by Coverage Level in Florida

Another significant factor that affects the cost of your car insurance is how much coverage you invest. Finding the best Florida car insurance coverage isn’t always what you’d expect. The chart below might surprise you.

Here are the average annual premiums from the top car insurance providers in Florida based on the level of coverage you buy:

Florida Rates by Coverage Level: 7 Providers
Coverage LevelCompanyRate
LowUSAA$2,451
LowState Farm$2,916
MediumUSAA$2,955
LowGeico$3,105
HighUSAA$3,146
LowNationwide$3,428
MediumState Farm$3,477
HighState Farm$3,800
MediumGeico$3,915
HighGeico$4,331
MediumNationwide$4,511
LowProgressive$4,681
LowLiberty Mutual$4,922
HighNationwide$5,080
MediumLiberty Mutual$5,457
MediumProgressive$5,712
HighLiberty Mutual$5,726
LowAllstate$5,763
HighProgressive$6,356
MediumAllstate$7,821
HighAllstate$8,738
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If you compare the providers’ rates in your area, you could end up paying less for more coverage.

According to the average rates in Florida, you could pay $1,122 less for a high level of coverage from State Farm than for low coverage from Liberty Mutual.

Since the above table makes it difficult to compare the costs for the same coverage from different providers, we created the below visual:

On average, with the top providers in Florida, the annual price jump from low to medium coverage is $940, and the increase from medium to high coverage is only $476 a year.

With Liberty Mutual, you can raise your coverage from low to high for as little as $67 a month. And, military families insured by USAA can pay for even cheaper, just $60 a month.

What’s even more important than keeping your premiums low is making sure you have sufficient coverage. Remember, investing in a higher level of coverage will likely save thousands in out-of-pocket expenses after an accident.

Rates by Credit History in Florida

The way your car insurance rates are determined has changed a lot over the past decade.

The most significant cost factors have shifted from how safely you drive to how you shop and your credit score.

Consumer Reports conducted a massive study analyzing over two billion price quotes across the U.S. which revealed the following:

“We found that behind the rate quotes is a pricing process that judges you less on driving habits and increasingly on socioeconomic factors. These include your credit history, whether you use department-store or bank credit cards, and even your TV provider.”

The below chart lays out the average annual rates the top providers in Florida charge depending on your credit score:

Florida Rates by Credit Scores
CompanyCreditRate
USAAGood$1,645
USAAFair$2,266
State FarmGood$2,495
GeicoGood$2,506
State FarmFair$3,046
GeicoFair$3,336
NationwideGood$3,596
NationwideFair$3,982
Liberty MutualGood$4,110
ProgressiveGood$4,302
USAAPoor$4,639
State FarmPoor$4,652
Liberty MutualFair$5,074
ProgressiveFair$5,170
AllstateGood$5,315
NationwidePoor$5,441
GeicoPoor$5,510
AllstateFair$6,574
Liberty MutualPoor$6,921
ProgressivePoor$7,278
AllstatePoor$10,432
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The biggest providers in Florida continually increase the price of your car insurance when your credit score is lower.

Here’s a visual that more specifically compares the cost by credit score level:

Look at all that orange! Drops in your credit score will cause severe spikes to your car insurance premiums.

A fair credit score will mean an average annual rate increase of $783, and a poor score will cost you another $2,203 a year.

Someone with a poor credit score in Florida should expect to pay $2,987 more than someone with a good credit score.

Here are the average annual rates and percent of increase you should expect based on your credit score in Florida:

  • Good Credit (670+) = average annual premiums: $3,424
  • Fair Credit (580-669) = 11-38 percent increase: $4,207
  • Poor Credit (300-579) = 51-182 percent increase: $6,410

The national average credit score in 2017 was the highest in five years, a “good” score of 675. According to Experian, the average credit score in Florida is 668.

How does your credit score compare to the norm? Count on this: working diligently to raise your credit score will save you some serious dough on your car insurance payments.

Rates by Driving Record in Florida

You should know this by now, but just in case you don’t. How you drive WILL affect how much you pay for your car insurance no matter where you live.

It’s also important to know that every car insurance provider handles claims and moving violations differently. Some insurers will drastically raise your rates, while others will let you stay at your current price point even after making a costly mistake.

Car insurance for high drivers in Florida will be more expensive. Here are the average annual rates the top providers in Florida charge based on your driving record.

Florida Rates by Driving Record: Top 7 Providers
CompanyDriving RecordRate
USAAClean Record$2,234
USAA1 Speeding Ticket$2,342
GeicoClean Record$2,637
USAA1 Accident$2,755
State FarmClean Record$3,105
Geico1 Accident$3,369
State Farm1 DUI$3,398
State Farm1 Speeding Ticket$3,398
State Farm1 Accident$3,690
NationwideClean Record$3,705
Liberty MutualClean Record$3,869
Nationwide1 Accident$4,066
USAA1 DUI$4,071
Nationwide1 Speeding Ticket$4,115
Geico1 Speeding Ticket$4,116
ProgressiveClean Record$4,408
Geico1 DUI$5,013
Liberty Mutual1 Accident$5,026
Liberty Mutual1 Speeding Ticket$5,285
Nationwide1 DUI$5,472
Progressive1 DUI$5,490
Progressive1 Speeding Ticket$5,916
AllstateClean Record$6,417
Progressive1 Accident$6,519
Allstate1 Speeding Ticket$7,120
Liberty Mutual1 DUI$7,292
Allstate1 Accident$7,701
Allstate1 DUI$8,524
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The cheapest rates for car insurance for a bad driving record is USAA car insurance. USAA is likely to have the best car insurance rates in South Florida.

High-risk car insurance companies in Florida will increase your car insurance rates by thousands if you’ve convicted for multiple vehicle violations or a DUI. The key to cheap high-risk car insurance in Florida.

Here’s a video that explains why car insurance goes up after an accident.

As the above attorney explains, Florida state law prohibits insurance providers from increasing your car insurance rates after an accident unless you were found to be at least partially at fault.

Keep in mind, the rate increases you see in the chart above after “one accident” are ones in which the insured customer was found to have some level of fault in the accident.

Since it’s tricky to compare all those rates, we broke down each event and associated increase for you below:

Florida Specific Rate Increases Based on Driving Record Event
CompanyClean RecordRate Increase: SpeedingRate Increase: AccidentRate Increase: DUI
Allstate$6,417$702$1,283$2,107
Geico$2,637$1,479$732$2,376
Liberty Mutual$3,869$1,416$1,157$3,422
Nationwide$3,705$410$360$1,767
Progressive$4,408$1,508$2,111$1,082
State Farm$3,105$293$585$293
USAA$2,234$108$521$1,837
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Most car insurance providers increase your rates in the following order (higher increases from left to right):

Clean Record >> One Speeding Ticket >> One Accident >> One DUI

However – like most things in the insurance world – there are exceptions to this. For example:

Geico, Liberty Mutual, and Nationwide charge more for a speeding ticket than an at-fault accident, and what’s more surprising is that Progressive and State Farm charge more for one accident than a DUI.

Here’s a visual to help you see what each event will cost you:

The rows that only show two colors are when the provider doesn’t have a rate increase for that claim or violation.

News Flash! Not only will accidents and violations raise your rates, but safe driving can do the opposite—lower them.

For instance, if you maintain a driving record free of at-fault accidents and significant violations for five years, Nationwide will lower your premiums by up to 10 percent.

Do you have a teen driver on your policy who added a claim to your once pristine record? Be sure to shop around, many of the biggest and best providers offer accident forgiveness.

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Largest Car Insurance Companies in Florida

Let’s take a closer look at market share and compare the largest companies by premium written.

Florida's Largest Car Insurance Providers: Market Share & Direct Premiums
CompanyPremiums WrittenMarket ShareRank
Geico$3,952,146,78424.4%1
State Farm$2,806,322,37615.9%2
Progressive$2,555,512,86015.8%3
Allstate$1,665,272,2389.6%4
USAA$1,190,475,6557.1%5
Liberty Mutual$287,758,2453.2%6
Travelers$398,082,1422.3%7
AmTrust$218,443,2752.2%8
Windhaven$354,136,4522.0%9
Infinity$414,519,0441.9%10
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Why is it important to know who the largest auto insurance providers are in your state? Because the biggest insurance companies are the ones who not only write the highest number of premiums in a calendar year, but they also have the biggest share of the auto insurance market.

These companies are the most experienced and most successful. They deserve a pretty graph for all they do to protect the motorists across the state of Florida. Check it out:

Number of Insurers in Florida

Florida runs out of dry land and roadways for all of its full-time residents, spring breakers, and snowbirds. But one thing Florida isn’t short on is insurance providers.

Here are the total number of Property and Casual Insurance providers operating in the state of Florida:

  • Domestic – 114 Rank: 7th
  • Foreign – 953 Rank: 4th

Florida is ranked in the top ten in the country in both categories for having such a high number of this specific type of insurance provider.

State Laws in Florida

A common consequence of breaking the law as a motorist is being required to trade your license for hefty fines and high-risk insurance. It’s an embarrassing and financially painful trade nobody wants to make.

How do you avoid this scenario? Don’t break the law! That’s easier said than done—especially if you don’t know the laws in your state.

We believe every motorist should know and understand the laws that govern insurance and our public roadways.

You don’t want to be blindsided with citations, fines, or higher insurance rates.

Car Insurance Laws in Florida

If insurance providers do not follow strict guidelines, they risk losing their license to sell insurance. Many people don’t realize that insurers are closely watched and restricted by state laws.

The following section covers the rules that govern insurance providers in Florida.

How State Insurance Laws are Determined

The form filing regulation in Florida is referred to as “Prior Approval.” Here’s what that means:

In Florida, insurance forms must be sent to the state insurance department and approved before they can be officially established and used.

The requests for approval must be sent at least 30 days before they are used. If the forms are not denied in time, they are considered approved. The state commissioner can extend the approval time frame by 15 days if he or she provides notice.

The rate filing regulation in Florida is referred to as “Use and File.” This means insurance rates don’t need to be filed with the state insurance department until after they are set.

Good News! If the rates are too high, the insurer is ordered to lower the premium and return the excess dollar amount. If the new rate is still too high, the state commissioner can set a lower rate.

Windshield Damage and Repair Laws in Florida

Florida does not have a specific law that makes driving with a cracked windshield illegal. However, some loopholes can make it very possible for you still to get a ticket for a crack or chip, here’s how:

The state of Florida does have laws that make anything that obstructs the driver’s view illegal. Plus there are federal laws that make the following unlawful:

  • Windshield cracks located in front of the driver’s line view
  • Windshield cracks that are located within three inches of other cracks

Since there are no specific Florida laws in place, police officers can write a ticket if they feel windshield cracks obstruct the driver’s line of view or break federal law.

Plus, there is a Florida law that makes it illegal to drive without fully functioning windshield wipers. So be sure your windshield cracks or chips don’t affect the use of your wipers.

Take Note: Even though there are no specific laws in Florida in regards to windshield cracks, you can still get a ticket, be required to pay a fine, and be required to repair or entirely replace the windshield.

So, before you get pulled over, find one of the many windshield repair companies eager to help.

Speaking of repairs, did you know that many states have laws on what type of repairs and replacements parts are used?

In Florida, insurance companies are not required to pay for repairs to be done with Original Equipment Manufacturer (OEM) parts. The parts must all be the “same fit, quality, and performance” of the original parts.

Can you trust Florida repair shops with your beloved vehicle?

The Florida Motor Vehicle Repair Act can help to put your worries at ease. Since settling in place in 1980, this act has required anyone paid to repair vehicles to register with the Florida Department of Agriculture and Consumer Services (FDACS), and many strict laws govern these repairs.

That’s not all! Good news for Florida residents: you live in a “zero deductible” state. What this means:

Florida is one of only three states that require insurance companies to replace or repair your windshield for FREE.

The catch: vehicle owners must have comprehensive car insurance for this fee to be waived. If you don’t have one, we strongly suggest you get it. Use our FREE comparison tool to help you find the best comprehensive coverage in your area.

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High-Risk Insurance in Florida

Choosing to drive under the influence of drugs or alcohol, without a license or insurance, or being reckless in general will land you on the high-risk driver list before you know it.

In Florida, there are two forms of insurance companies file and send to the DMV as proof of a high-risk driver’s extended (quite costly) level of coverage: SR-22 and FR-44.

Only two states use FR-44s: Florida and Virginia.

In Florida, individuals convicted of a DUI or DWI must have FR-44s (aka “DUI Insurance”) before they can reinstate. FR-44s must be maintained for three years.

An SR-22 is required for all other reasons that need a driver to obtain high-risk insurance, such as having a suspended license, failing to maintain insurance, and serious driving violations.

To be clear, you do NOT want an SR-22 or FR-44. These labels hit both your reputation and wallet—hard.

Do you think basic car insurance costs a lot? State minimum insurance requirements are nothing compared to high-risk insurance. Check out the higher levels of coverage an SR-22 and FR-44 require:

SR-22 and FR-44 Coverage Requirements
FR-44SR-22
100/300/5010/20/10
$100,000: Bodily Injury Liability per person
$300,000: Bodily Injury Liability per accident
$50,000: Property Damage Liability
$10,000: Bodily Injury Liability per person
$20,000: Bodily Injury Liability per accident
$10,000: Property Damage Liability
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FR-44 has as much as 15 times the coverage requirements of an SR-22. Florida doesn’t even require bodily injury liability for drivers who aren’t high risk, so these amounts are astronomically high compared to the state minimums.

Are you a high-risk driver in Florida who has been denied coverage?

In 1973 the Florida Automobile Joint Underwriting Association (FAJUA) was created for drivers just like you. The Florida Insurance Commissioner created this “High-Risk Market” or “Market of Last Resort” to ensure that all drivers in the state can have adequate car insurance. High-risk coverage from FAJUA cost motorists up to 200 percent more. If it’s the only way to get back on the road, you should take the opportunity and start mending your driving reputation.

Low-Cost Insurance in Florida

Although Florida has a program for high-risk drivers, it does not have one to help low-income drivers.

California, Hawaii, and New Jersey are the only three states with government-funded programs to help low-income families pay for their car insurance.

If you’re living on a small income, you need to realize that being caught without insurance will cost you much more than the car insurance bills. We know it’s tempting to save all that money, but driving without insurance is never worth it.

Struggling financially? Here are some tips to help you be able to afford Florida’s coverage requirements:

  • Drive a cheap car to insure – Smaller vehicles with lots of safety features that are under ten years old, but not brand new usually cost less to insure.
  • Don’t miss payments – Almost as bad as having no insurance is to have a lapse in your car insurance coverage. Once you have an error in coverage, other providers will charge you more or deny you altogether.
  • Evaluate your coverage – As we discussed above, sometimes more coverage costs less. Make sure you have the best rates for the best price.
  • Try to own just one car – The more cars you own, the more you have to pay for insurance. Also, fewer cars mean fewer maintenance costs.
  • Don’t settle on a plan – Shop around. Compare companies and the various policies they have to offer. Our free comparison tool makes that easy.
  • Look into discounts – Your car insurance agent might forget or not realize a discount you could qualify. See what’s available and ask about any savings you might be able to earn.

Automobile Insurance Fraud in Florida

Here’s a list of penalties for insurance fraud.

Florida Laws Against Fraud
Efforts:Florida Law?
Insurance Fraud Classified as a CrimeYes: penalties include fine and prison time
Immunity Statues EstablishedYes: protects the proper exchange of information between customer and insurer
Fraud Bureaus in PlaceYes: the Enforcement and Investigation Bureau in the Department of Insurance investigates fraud in all three financial sectors
Mandatory Insurer Fraud PlanYes: requires insurers to create and implement programs to reduce insurance fraud
Mandatory Auto Photo InspectionYes: five states require photos to be taken of used cars before collision or comprehension coverage is provided
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Out of all the laws listed by the Insurance Information Institute (III), Florida has taken every step to stop insurance fraud. Many states have only two or three of the above actions in place.

Below are the criminal penalties for insurance fraud in Florida:

Florida Penalties for Fraud
Fraud AmountClassificationPrison Time
Under $20,0003rd Degree Felonyup to 5 years
$20,000 to $99,9992nd Degree Felonyup to 15 years
$100,000 or more1st Degree Felonyup to 30 years
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In addition to those serious penalties, people caught trying to steal money through fraudulent behavior in Florida are also hit with hefty fines:

Florida Fines for Fraud
OffenseFine
1stup to $5,000
2ndup to $10,000
3rd or moreup to $15,000
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Did you know? Florida is considered one of five “hot spot states” for insurance fraud, and this increased prevalence of fraud is a primary reason car insurance is so expensive in these states.

In 2011 car insurance fraud cost Florida consumers and insurers roughly $658 million.

“Auto insurance fraud is a crime, and all Floridians pay for it. Auto insurers are paying out more than they should in no-fault claims, and their policyholders are paying out more in premiums.”

– Insurance Information Institute

A Florida resident insuring two cars has to pay over $115 fraud taxes alone thanks to all the selfish scammers across the state.

Statute of Limitations in Florida

In Florida, the statute of limitations for claims are:

  • Property Damage – four years
  • Personal Injury – four years

What this means: You have four years to file a lawsuit over property damage or personal injury.

The statute of limitations in Florida is much longer than in most of the U.S. In 25 states, the time frame to take someone to court over harm or loss is only two years or less.

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Licensing Laws in Florida

Back in 2005, Congress passed the REAL ID Act, which lays out specific standards for official forms of identification. This act will eventually make all driver’s licenses that don’t meet every specification invalid.

Florida is one of 37 states that is “compliant,” meaning all Florida forms of identification now meet the standards set forth by the Department of Homeland Security (DHS) and the REAL ID laws.

Beginning October 1, 2020, non-DHS compliant identification will no longer be accepted for travel by the Transportation Security Administration (TSA).

Do you have a gold star on the top right corner of your Florida driver’s license?

Whether you plan to travel by plane or not, be sure to get your updated REAL ID driver’s license so you can have documentation accepted across the country.

License Suspension in Florida

Here are the top reasons Florida residents can get their driving privileges suspended or fully revoked:

  • Driving Impaired: being found guilty of a DUI will (at the very least) cause a license suspension. Depending on the number of offenses and severity of the crime, the individual’s license could be permanently revoked.
  • Points on the License: if a driver gets 12 or more points in a year, his/her license will get suspended anywhere from 30 days to three years, depending on the total number of points he/she accumulated.
  • Refusing a Breath Test: if a driver is stopped for a DUI and refuses to take a breath test, his/her license will get suspended.
  • Failing a Breath Test: if a driver registers over the legal limit (BAC .08) on a breathalyzer, his/her license will get suspended.
  • Driving without a License: driving without a license will, at the very least, suspend the driver’s license (if he has one) or result in jail time if the individual has prior offenses.
  • Driving on a Suspended License: driving on a suspended license outside of the terms will result in additional suspension and up to five years in jail time.
  • Driving without Insurance: getting caught driving without the Florida minimum insurance will result in license suspension.

Those are just the seven most common reasons Florida drivers get their license suspended. You can also lose your driving privileges for other serious moving violations, not paying child support, providing false information, not responding to a DMV notice, failing to appear in court, not paying fines owed, and more.

Value your driver’s license and recognize the privilege it represents. Getting your driver’s license suspended will cost you time and money if you ever want to get it back. You do not want this to happen.

This is what it will cost you to get your license back after the suspension period is over.

Florida Fines to Reinstate License
ReasonFee
General Suspension$45
Child Support$60
Unpaid Tickets$60
Revocation$75
Driving Impaired$130
Driving Uninsured$150
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The fees listed above are for the first offense only. The reinstatement fees increase for subsequent offenses.

Penalties for Driving without Insurance in Florida

As we discussed earlier, you do NOT want to get caught driving without insurance.

You’re completely wrong if you think driving uninsured will save you money. It might seem smart, but unless you want to be bankrupt, lose your home and car, and even face jail time, DON’T DO IT.

 Reinstatement FeeSuspension Period
1st Offense$150up to 3 years
2nd Offense$250up to 3 years
3rd Offense +$500up to 3 years
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It is considered a subsequent offense if it happens within three years from the prior offense.

Don’t forget! Those fees are nothing compared to what will cost you if you get in an accident without insurance.

An accident attorney, Jeffrey Meldon, who practices law in Gainesville, Florida shares this warning:

“It is heartbreaking to see how, in one second, a person’s life can be devastated because they failed to plan and purchase adequate insurance. Beware: Neither the state of Florida nor the other driver will protect you – only you can plan and protect yourself and your family.”

Teen Driver Laws in Florida

We need to do all we can to keep our youth safe. Below are some of the laws in place for young drivers to give them the safe and supervised experience behind the wheel that they desperately need.

Here are the specific requirements teenagers must meet to get their Florida driver’s license:

Florida Teen License Requirments
RequirementsSpecifics
Time with Learning Permit12 months
Minimum Supervised Driving Time50 hrs; 10 at night
Minimum Age16-years-old
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During the 12-month holding period while they have an intermediate license or learner’s permit, teen drivers in Florida have set times they are not allowed to drive:

Florida Teen Restricted License
AgeTimes Prohibited
16-year-olds11pm to 6am
17-year-olds1am to 5am
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Do those laws seem strict? They aren’t at all compared to other states!

Florida is one of only four states in the country that does not have restrictions on the age or number of passengers their brand-new, teen drivers are allowed to have.

Three states and D.C. don’t allow their learner’s permit drivers to have any passengers of any age (parents excepted), and six states only allow these young drivers to have one passenger of any age.

License Renewals and Older Drivers in Florida

Florida is very lax compared to other states concerning older drivers. Look at the requirements for older drivers for license renewal.

Florida License Renewal Procedures
 FrequencyVision Test RequiredMail or Online
General Populationevery 8 yearsif in personboth allowed for every other renewal
Older Driversevery 6 years if 80 and olderevery renewal if 80 and olderboth allowed for every other renewal
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Twelve states start having new requirements for drivers in their 60s. In Oregon, those stricter rules start for drivers who are only 50.

With its large population of elderly residents, Florida’s older driver laws really should start before motorists reach 80 years of age. Seventy-six percent of Florida residents are 60 and older, while only 8 percent are 80 or older.

Most would expect Florida to be the strictest in this department.

Florida Visitors and New Residents

Not sure if you need a Florida driver’s license? The below box should help with some of the tricky scenarios:

Florida License General Information
Florida License Required...Florida License NOT Required...
If you register to vote in FloridaIf you are a non-resident who attends college in Florida
If you enroll your children in Florida public schoolsIf you are a non-resident who works in Florida
If you file a homestead exemption in FloridaIf you drive only farm vehicles or work machines
If you live in Florida for more than six consecutive monthsIf you are a member of the military stationed in Florida (only if not employed)
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Teen drivers take note! You must be at least 16 years old to drive in Florida with a license from another state.

Are you moving to Florida? As soon as you do one of the following: become employed, enroll your child in school, or establish residency, you have 30 days to get a Florida driver’s license and register your car.

Trying to get your Florida license by mail or online? Here’s a list of reasons you would be required to go to your local DMV office in person:

  • If you are getting your first Florida driver’s license
  • If your last license renewal was done by mail or online
  • If your current driver’s license is not REAL ID-compliant
  • If you have legally changed your name since your previous license

Important! If this is your first REAL ID driver’s license, you must bring original documents that validate your identity, Social Security Number (SSN), and Florida residential address.

How to be sure: REAL ID-compliant driver’s licenses started being administered in Florida on January 1, 2010. If your last Florida license was before that date, it is not compliant. Another easy way to tell is the DHS compliant REAL IDs have a gold star in the top right corner.

Driving Record Points, Suspensions and Revocations in Florida

Did you get nailed with points on your driving record? These are the kind of points that no one wants.

Why? Because points on your driving record will increase the cost of your car insurance. Plus, if you get too many of these points, you can lose your license and be labeled a high-risk driver who is required to have an SR-22.

Here is a list of the most common traffic violations and the number of points you get for each one in Florida:

Florida Driving Offenses and Points
OffensePoints
Driving carelessly3
Driving in reverse or improper backing up3
Driving on the shoulder of the road3
Driving recklessly3
Driving too fast for the conditions3
Driving with an open container3
Failing to move over for a stopped vehicle on the side of the road3
Failing to obey a traffic control device (including a sign)3
Failing to stop at a steady red light3
Failing to yield3
Failing to yield the right-of-way to a pedestrian3
Not obeying child restraint laws: child 5 and under not in a separate car seat3
Not obeying child restraint laws: seat belts etc3
Not obeying seat belt laws3
Speeding: driving over the posted limit (less than 15mph over)3
Violating a set curfew3
Committing a moving violation that results in an accident4
Failing to stop at a traffic signal or red light4
Failing to stop at steady red signal on a one-way street before making a left turn4
Failing to stop for a school bus4
Passing on the enter/exit side while a school bus is stopped (mandatory hearing)4
Speeding: driving over the posted limit (more than 15mph over)4
Committing a moving violation that results in bodily harm6
Leaving the scene of a crash without giving information (when over $50 in damage)6
Leaving without providing information after causing property damage on an unattended vehicle6
Speeding resulting in an accident6
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Regardless of what you did to accumulate them, if you get too many points on your driving record, your insurance will skyrocket, and you will risk losing your driver’s license.

Here are the specifics on the license suspensions these points will cause in Florida:

Florida Points and License Suspensions
Points & Time FrameLength of Suspension
12 points in 12 months30 days
18 points in 18 months3 months
24 points in 36 months12 months
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As we discussed earlier, racking up points isn’t the only way Florida residents can lose their driving privileges. Below are examples of violations that cause an immediate license suspension or even revocation.

Florida License Suspensions
ViolationSuspension or Revocation
Causing death or serious injury by a non-DUI moving violationLicense suspended for 3 months to 1 year
Determined to be a Habitual Traffic Offender (HTO)License revoked for 5 years
Failing a vision testLicence revoked indefinitely unless driver can prove adequate vision
Failing to make child support paymentsLicense suspended indefinitely until payments made
Using a fraudulent driver's licenseLicense suspended for 1 year
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We can’t repeat it enough: driving is a privilege. Remember that every single time you get behind the wheel.

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Rules of the Road in Florida

You would think that the states making up the United States of America would have the same traffic laws, but that’s not the case. Due to these variances, we suggest all drivers learn the road rules where they’re headed before crossing state lines.

You are responsible for knowing the traffic laws where you drive. Don’t get blindsided by an expensive ticket waiting for you in your mailbox because you broke a law you didn’t know existed.

Whether you’re moving to Florida, educating your teen driver, a non-resident newly employed in Florida, or just planning to drive through on vacation, the below details are essential for you. Keep scrolling!

Fault vs. No-Fault

In 1971, Florida was the second state in the nation to adopt a no-fault insurance policy to govern its motorists. Today, only Florida and eight other states have fixed no-fault insurance laws.

Florida’s no-fault law means that no matter who caused the accident, your personal injury protection (PIP) coverage pays for your vehicle’s damage and injuries.

According to the Insurance Information Institute (III), “The no-fault system is intended to lower the cost of auto insurance by taking small claims out of the courts.” If that’s the case, it’s scary to think what the premiums would look like in Florida if it weren’t a no-fault state.

No-fault systems have their benefits, but Florida has a bad combination that can cause severe problems for the innocent victims of a crash. Florida is a no-fault state plus not requiring bodily injury liability (pays for injuries you cause to others).

When a driver causes a crash resulting in injuries to you and everyone in your car and damage to your vehicle, YOU are the one who pays, even though you didn’t do anything wrong.

According to Florida law, there are situations where the innocent victims of a crash can sue the at-fault driver if the injuries they sustained are serious enough. Below are some examples that may warrant a bodily injury lawsuit:

  • Complete loss of bodily function
  • Permanent bodily injuries
  • Significant scarring or disfigurement

The tragic event of death resulting from a car crash is another example where the innocent victims can sue the at-fault driver to recoup expenses.

If you are being sued because of a car accident you caused in Florida, be sure to find an experienced lawyer to help you.

Seat Belt and Car Seat Laws in Florida

Our data experts conduct hundreds of studies every year to compare drivers, states, roads, laws, and more. One of these studies includes seat belt use across the nation. After compiling detailed statistics from NHTSA reports, our team discovered the following:

Florida is ranked 22nd in the country for drivers and passengers wearing their seat belts (21 states are doing better). Our five-year study found that nearly 12 percent of Florida residents do not obey the seat belt laws in their state.

Here are the laws that millions of people in Florida are ignoring:

Florida Seat Belt Laws
Seat Belt LawsSpecifics
Effective DateJuly 1, 1986
EnforcementPrimary since June 30, 2009
Front SeatPassengers 6-years-old and older
All SeatsPassengers 6 to 17-years-old
1st Offense Fine$30 plus fees
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Let’s hope Florida residents take heed to the laws below since they are in place to protect our precious youth:

Florida Car Seat Laws
Car Seat LawsSpecifics
Car Seat RequiredChildren 5-years-old
and under

1st Offense Fine$60 plus fees and 3 points
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Surprise, Surprise! Yet another area Florida is extremely lax – child restraint laws. Almost every other state has a specific weight, height, and age requirements for all three types of child car seats:

  • Rear-Facing Seats
  • Forward-Facing Seats
  • Booster Seats

Florida doesn’t have a law in place regarding these specific seats, only a law stating that children aged five and under need to be in a separate car seat of some kind. This car seat law is insufficient because rear-facing seats make a huge difference in protecting small children.

Besides lacking specific car seat guidelines, Florida doesn’t have any laws requiring kids to sit in the back seat.

Due to the intense impact of airbags, it’s hazardous for children younger than 13 or under 65 pounds to ride in the front seat of the vehicle, but it is perfectly legal in Florida.

However, Florida law has laws prohibiting people from riding in the cargo area of pickup trucks. Anyone 18 and older is allowed to ride in the flatbed of a truck. There are four instances when people aged 17 and under are also allowed.

If they are sitting in an enclosed cargo area, sitting in a seat with a seat belt, riding on a “non-limited-access” road, or duty as an employee, it’s allowed.

Local law can override these exceptions and completely prohibit minors from riding in the cargo areas of pickup trucks and flatbeds.

Keep Right and Move Over Laws in Florida

According to Florida statute 316.081, motorists in Florida must drive on the right side of the road unless:

  • they are passing another vehicle that is operating in the same direction
  • there is an obstruction in the road (drivers must yield right-of-way)
  • making a left turn at an intersection, private road, or driveway
  • authorized by an official traffic control device
  • during rush hour traffic when all lanes are full

Drivers must stay right when they are traveling slower than the rest of the traffic. Motorists who don’t follow Florida’s keep right law, are subject to a moving violation with a minimum fine of $121.

WAIT! There’s more! You can’t always keep right. Generally, you should drive in the right lane. If there’s a vehicle stopped on the side of the road such as a police officer, ambulance, utility vehicle, tow truck, broken down or crashed cars, Florida has a law in place (statute 316.126) ordering that you move over a lane to your left.

If you are traveling on a one-lane road or the lane to your left isn’t available, you must either:

Slow down 20 mph below the speed limit

– OR –

Slow down to 5 mph if on a 20 mph road

Violating Florida’s Move Over Law results in a moving violation, fines of up to $500, and three points added to your driving record.

Speed Limits in Florida

Speed limits vary in Florida. Here’s a quick look into what you can expect.

Florida Speed Limits
Road TypeMax Speed
Rural
Interstates
70 mph
Urban
Interstates
65 mph
Limited
Access Roads
70 mph
Other
Roads
65 mph
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Before you drive over the posted speed limit in Florida, keep in mind most of the U.S. is much more strict on how fast vehicles can travel.

Compared to Florida, 31 states have slower speed limits on their interstates. On many major highways across America, motorists aren’t allowed to travel over 55 mph.

When you see a speed limit sign, please realize that number is the fastest you can drive, not how fast you need to drive. Also, that maximum posted speed is not safe in certain conditions such as rain, snow, or low visibility.

Remember, even if you drive under the posted speed limit if you’re driving too fast for the conditions, you can get a ticket and three points added to your driving record, according to Florida law.

Ridesharing Laws in Florida

A study conducted by Pew Research found that from 2015-2018 the percentage of U.S. adults who used rideshare services. Uber or Lyft grew from 15 to 36 percent.

Ride-hailing services are top-rated in Florida by residents and tourists alike.

From 2016 to 2017, 14.5 percent of Uber trips in Florida were taken by out-of-staters, and 27.3 percent of users said they spend more money on their vacations now that they can get around easier thanks to rideshare.

Nowadays, most people use ride-hailing and ridesharing interchangeably. “Rideshare” means a ride you request (and pay for) through an app on your phone that usually arrives in under 5 minutes and begins at your current location.

Florida legislators felt the need to set some boundaries on this ever-growing commodity.

According to Statute 627.748 (the “Uber/Lyft Bill”), which became effective on July 1, 2017, here are the Florida rideshare laws:

Florida Rideshare Requirements
Company RequirementsDriver Requirements
Conduct criminal background checks for each hireHave a valid driver's license
Conduct new background checks every 3 yearsHave proof of adequate car insurance coverage
Have a nondiscrimination policy in placeHave proof vehicle is registered for rideshare
Have a zero-tolerance policy in place for impaired drivingMust be accommodating to service animals
Have the driver's picture and plate number visible on the appNever alter or hide ride details from law enforcement
Keep drivers' records for at least a year after they leaveNever discriminate against certain customers
Must maintain records of every ride for at least one yearNever try to charge more for a disabled person
Not hire any drivers who are listed sex offenders or have any arrests/charges in the past 5 yearsNot accept a paid ride unless on the digital network
Review driving history records for every driver before they're hiredNot accept or try to get street hails
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Florida law also specifies the exact car insurance coverage requirements for rideshare drivers in each stage of the job and whenever they operate their vehicle, as listed in the table below:

Uber and Lyft provide $1 million in both bodily injury liability and uninsured/underinsured motorist coverage. This insurance only covers their drivers when they are en route with a paid customer.

These two TNCs also offer coverage for when drivers are logged in and not giving a ride. However, drivers must already have their own comprehensive and collision coverage to qualify, and the deductibles are $1,000 for Uber and $2,500 for Lyft.

Automation on the Road in Florida

The chart below shows Florida’s status and current requirements for Autonomous Vehicles (updated April 2019):

Florida AV status
AV TopicFlorida Law
Driving AllowedFull Deployment
Regulated Platooning TechnologyYes
Operator License RequiredYes
Operator Required to be in the VehicleNo
Liability Insurance RequiredNo
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Florida is one of only 14 states that allow autonomous vehicles (AVs) to be driven on its public roads—many states still only allow fully self-driving cars to be tested under specific parameters.

Florida and only five other states do not (yet) require liability insurance for these self-driving vehicles. On the other hand, four states require as much as $5,000,000 of liability coverage before AVs can legally be deployed.

Toll Roads in Florida

Florida is ranked first for having the most toll roads in the country, and it’s home to the top ten most expensive toll roads in America: State Road 417.

With expensive tolls seemingly at every turn and many stops that don’t even have a cash lane, most Florida residents use a prepaid SunPass transponder.

Especially to drivers new to the area, tolls can be confusing and cause deadly crashes, which is why the Florida tolls are now set up to take a photo of your license plate and mail you an invoice if you don’t pay.

Warning: you only have ten days to pay the invoice, or you face fines that increase with time, and you’ll be unable to renew your license or vehicle registration without paying it all off.

Tinted Windows in Florida

If you know anything about Florida, you know it gets a lot of sunshine, and it gets hot. All that sunshine does a great job of heating cars.

One short errand can turn your vehicle left in the parking lot into an unwanted sauna. Let’s just say that dark leather seats are not the best welcome when you hop back in. What’s a good solution to this problem? Tinted windows.

But wait! There are laws on that too. Before you pay someone to tint your vehicles’ windows, make sure they follow these strict rules or risk a ticket and have to pay to have it removed.

The rules on window tinting are twofold. Here are the details.

 Tint Darkness: SedansTint Darkness: SUVs & Vans
WindshieldNon-reflective tint is allowed above the AS-1 lineNon-reflective tint is allowed above the AS-1 line
Front Side WindowsMust allow more than 28% of light inMust allow more than 28% of light in
Back Side WindowsMust allow more than 15% of light inMust allow more than 6% of light in
Rear WindowMust allow more than 15% of light inMust allow more than 6% of light in
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What is an AS-1 line? It’s an imaginary parallel line that runs across the windshield at the point “AS-1” is printed on the glass. Most vehicles have this imprint, but if it’s not visible, five inches below the top of the windshield is the distance used instead.

 Tint Reflection: SedansTint Reflection: SUVs & Vans
WindshieldNone allowedNone allowed
Front Side WindowsNo more than 25%No more than 25%
Back Side WindowsNo more than 35%No more than 35%
Rear WindowNone allowedNone allowed
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Safety Laws in Florida

The busier life gets, the more we usually slip up. Let’s slow down and remember how important it is never to take our eyes off the road and always value the privilege of operating a motor vehicle before we lose that right altogether.

Below are laws in Florida that every motorist who drives anywhere in this state must know and follow.

Distracted Driving Laws in Florida

Imagine the scenario: you’re driving, and hear a beep. A text has come through on your cell phone. Intrigued, you grab your phone with one hand while you keep your other on the steering wheel. Everything seems good until suddenly, you’ve lost control.

The next thing you know, your car has flown off of the street and onto somebody’s front lawn. Not only have you damaged their landscaping and their property, but you’ve also damaged your car.

Here’s the deal: distracted driving is dangerous. Washington D.C. and 24 states have laws banning hand-held cell phone use while driving, and 39 states (including D.C.) completely ban cellphone use by teen drivers (each with their specifications). However, Florida didn’t have laws prohibiting either until it finally joined the fight in the middle of 2019.

Florida’s new texting while driving law (effective July 1st, 2019) is a primary traffic offense that will be enforced by fines, and subsequent offenses will assign points to the driver’s record.

There are some loopholes to this new law. For instance, drivers can hold their phones to talk, touch, and look at their phones when using them for navigation, and texting, while stopped at traffic lights, is allowed.

Please Note: The laws are more strict in school zones and active work zones with workers present. Beginning October 1st, 2019, only hands-free phone use is allowed when driving in these areas. As Florida’s new distracted driving laws are implemented, drivers will receive warnings only until January 1, 2020.

Also, the Florida DOT created 64 “Safe Phone Zones,” which are rest areas, welcome centers, and service plazas designated as areas where motorists should pull over to use their cell phones safely.

Hopefully, these efforts make a difference. Florida is ranked second for having the most distracted drivers in America just behind nearby Louisiana.

Drunk Driving laws Florida

In 2017, there were 839 people killed in Florida car crashes involving a drunk driver. Let’s see what laws are in place to make that deadly act of driving under the influence illegal:

Florida DUI Laws
Florida LawsSpecifics
Name for the OffenseDriving Under the Influence (DUI)
BAC Limitunder 21 = 0.02%
21 & older = 0.08%
commercial = 0.04%
High BAC Limit0.15%
Criminal Status1st & 2nd = misdemeanors
3 or more = 3rd degree felony
Look Back Period5 yrs for 2nd
10 yrs for 3rd
unlimited for 4th+
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In Florida alone in 2017, there were 32,727 motorists arrested for driving under the influence. Those are just the ones who got caught.

Here are the penalties in place for each conviction in Florida:

Florida DUI Penalties
 1st DUI2nd DUI3rd DUI4th DUI
Community Service50 hrs50 hrsCourt orderedCourt ordered
Fine$500-$1,000; High BAC or minor in the car: $1,000-$2,000$1,000-$2,000; High BAC or minor in the car: $2,000-$4,000$2,000-$5,000; High BAC or minor in the car: min $4,000min $2,000
Jail Timemin 8 hrs up to 6 mo; High BAC or minor in the car: up to 9 momin 10 days up to 9 mo; High BAC or minor in the car: up to 12 momin 30 days up to 5 yrsup to 5 yrs
License Revokedmin 180 days up to 1 yr2nd DUI in 5 yrs: min 5 yrs; 2nd in 6+ yrs: min 180 days up to 1 yr10 yrsPermanent
Mandatory Ignition
Interlock Device
Yes - required for at least 6 moYes - required for at least 2 yrsYes - required for at least 2 yrsNA
Mandatory ProgramDUI school, substance abuse ed., evaluation and treatment as requiredDUI school, substance abuse ed., evaluation and treatment as requiredDUI school, substance abuse ed., evaluation and treatment as requiredDUI school, substance abuse ed., evaluation and treatment as required
Probationup to 1 yrup to 1 yrup to 1 yr with monthly reportingNA
Vehicle Impounded10 days30 days90 days90 days
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Florida’s DUI laws and penalties are average, but there’s one state in particular that makes Florida look easy: Utah, where at just 0.05 percent, you’re considered a drunk driver!

If you’ve ever been convicted of a DUI, you can still get car insurance. Enter your ZIP code to compare car insurance in your local area!

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Marijuana-Impaired Driving Laws in Florida

Twenty states have laws in place regarding drivers impaired by marijuana, but Florida does not.

Even though there’s no specific law on marijuana-impaired driving, you can still get arrested for it in Florida.

Driving intoxicated most definitely put others in danger, and you can be intoxicated by many substances other than alcohol, including marijuana.

However, since marijuana stays in your system for so long, it’s difficult to prove an individual was impaired by marijuana while driving.

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Driving in Florida

We have laid out the essential traffic and insurance laws that govern Florida, and we have shown you how your state stacks up in every category from drugged-driving to monthly insurance rates.

Now it’s time to go over some dangers every driver and car owner in Florida could encounter.

Vehicle Theft in Florida

Some clarification for the chart above: the three pickup trucks listed are all the full-size versions. The totals in the “number stolen” column are stolen vehicles for that make and model of any year. The “most popular year” column shows the model years that were stolen most frequently.

Florida Stolen Vehicles
Make & ModelMost Popular YearNumber Stolen
Ford Pickup20062,211
Nissan Altima20151,275
Toyota Camry20161,248
Honda Civic20001,109
Honda Accord20161,106
Toyota Corolla20151,075
Chevrolet Pickup2005810
Hyundai Sonata2016679
Dodge Pickup2005530
Chevrolet Impala2016484
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There were 936 more Ford pickup trucks stolen than any other vehicle in Florida in 2016. The National Insurance Crime Bureau (NICB) reports that the 2006 model was the most-stolen Ford pickup truck. When thieves target a specific year, it’s usually because that model lacks an anti-theft feature that makes it easier to steal.

It’s not just in Florida that the full-sized pickup by Ford is a favorite among thieves. It was the third most stolen vehicle in the nation in 2016 just below the Honda Accord and Civic.

What car do you drive? Always lock your doors, keep an eye on your keys, and don’t walk away from your vehicle while it’s idling. Stay Alert! Car thieves have smart distraction tactics you’d least suspect.

Cities in Florida with the Most Vehicle Theft

Below are the number of vehicles stolen for every city in Florida, as documented by the FBI for 2016. The cities are listed and ranked by the total number of thefts from greatest to least. The search box makes it easy to find a city.

Florida's Stolen Vehicles by City
Florida CityVehicles StolenRank
Jacksonville3,0271
Miami1,9962
Orlando1,2403
Tallahassee1,0994
St. Petersburg1,0955
Fort Lauderdale9186
Hialeah6297
Tampa6288
Miami Beach5659
Pompano Beach56410
West Palm Beach55311
Hollywood53512
Miami Gardens41913
Daytona Beach39114
Gainesville36715
Lauderhill33916
Lakeland31017
Davie30918
Miramar27919
Pembroke Pines26320
Boynton Beach25421
Plantation25322
North Miami25123
Largo24224
Delray Beach23925
Clearwater23226
Sunrise22827
Titusville22228
Deerfield Beach22029
Fort Myers22030
Lake Worth18531
Melbourne18332
Panama City18133
Sanford18134
Coral Springs17935
Oakland Park17436
Pinellas Park17237
Lauderdale Lakes16838
Cape Coral16339
Homestead16040
Boca Raton15741
Opa Locka15242
North Miami Beach15043
Doral14944
North Lauderdale13845
Palm Bay13546
Hallandale13347
Ormond Beach13248
Ocala13149
Apopka13050
Kissimmee13051
Riviera Beach13052
Tamarac12453
Sarasota12254
DeLand11955
Coconut Creek11856
Dania11757
Cocoa11258
Margate10559
Pensacola10260
Jacksonville Beach9761
Fort Pierce9462
Wellington9363
Cutler Bay9064
Lake Park8565
Port St. Lucie8566
Plant City8367
Key West8268
Winter Garden8069
Winter Haven8070
Port Orange7971
Palm Springs7772
Altamonte Springs7673
Leesburg7674
Greenacres City6975
Palm Beach Gardens6976
Coral Gables6877
Hialeah Gardens6878
Ocoee6779
Bradenton6580
Sweetwater6481
West Park6482
Crestview6283
Jupiter6084
Lantana5985
Belle Glade5886
Miami Lakes5387
Winter Park5388
St. Cloud5189
Fort Walton Beach4990
Medley4891
New Smyrna Beach4892
Holly Hill4793
Florida City4694
Rockledge4695
Miami Springs4596
New Port Richey4497
Casselberry4298
Temple Terrace4299
Aventura41100
Longwood40101
Pembroke Park40102
South Daytona40103
Dunedin39104
West Melbourne39105
Weston39106
Eustis38107
Royal Palm Beach37108
Village of Pinecrest37109
Palmetto Bay35110
Bartow34111
Cocoa Beach34112
Wilton Manors34113
Lake City33114
Maitland32115
Sunny Isles Beach31116
Atlantic Beach30117
Miami Shores30118
Clermont29119
Gulfport29120
Southwest Ranches29121
Cooper City28122
North Bay Village28123
North Port27124
St. Augustine27125
Auburndale26126
Haines City26127
Lake Wales26128
Tarpon Springs26129
Orange City25130
Alachua23131
Lynn Haven23132
Key Biscayne22133
Sebastian22134
Springfield22135
St. Pete Beach22136
Mangonia Park21137
Zephyrhills21138
Palatka20139
Sebring20140
Winter Springs19141
Belleair18142
Brooksville18143
Okeechobee18144
Palm Beach18145
Naples17146
Safety Harbor17147
Seminole17148
Lady Lake16149
North Palm Beach16150
South Miami16151
Venice16152
Edgewater15153
Milton15154
Vero Beach15155
Bunnell14156
Live Oak14157
Edgewood13158
Hypoluxo13159
Niceville13160
Orange Park13161
Pahokee13162
Palmetto13163
Parkland13164
Daytona Beach Shores12165
Eatonville12166
Kenneth City12167
Lake Mary12168
Lighthouse Point12169
Neptune Beach12170
Oldsmar12171
Wildwood12172
Dade City11173
Green Cove Springs11174
Mount Dora11175
Punta Gorda11176
Apalachicola10177
Dunnellon10178
Panama City Beach10179
Satellite Beach10180
Parker9181
Stuart9182
Valparaiso9183
Indian Harbour Beach8184
Lauderdale-by-the-Sea8185
Ocean Ridge8186
Surfside8187
Arcadia7188
Bay Harbor Islands7189
Biscayne Park7190
Chattahoochee7191
El Portal7192
Indian Rocks Beach7193
Minneola7194
Oviedo7195
Perry7196
Starke7197
Tavares7198
West Miami7199
Flagler Beach6200
Highland Beach6201
Jasper6202
Lake Alfred6203
Lake Clarke Shores6204
South Bay6205
Treasure Island6206
Wauchula6207
Belle Isle5208
Chipley5209
Fruitland Park5210
Interlachen5211
Lake Hamilton5212
Marco Island5213
Port Richey5214
Umatilla5215
Virginia Gardens5216
Belleair Beach4217
Belleair Bluffs4218
Clewiston4219
Davenport4220
Fellsmere4221
Graceville4222
Juno Beach4223
Madison4224
Marianna4225
Mascotte4226
South Pasadena4227
Windermere4228
Belleview3229
Crescent City3230
Hillsboro Beach3231
Holmes Beach3232
Madeira Beach3233
Redington Beaches3234
St. Augustine Beach3235
Tequesta3236
Williston3237
Atlantis2238
Bal Harbour Village2239
Bowling Green2240
Carrabelle2241
De Funiak Springs2242
Gulf Breeze2243
Havana2244
Indialantic2245
Indian Shores2246
Lake Helen2247
Lake Placid2248
Oakland2249
Sanibel2250
Blountstown1251
Bradenton Beach1252
Fernandina Beach1253
Golden Beach1254
Gretna1255
Gulf Stream1256
Jupiter Inlet Colony1257
Jupiter Island1258
Longboat Key1259
Melbourne Beach1260
Mexico Beach1261
Monticello1262
North Redington Beach1263
Palm Beach Shores1264
Ponce Inlet1265
Sea Ranch Lakes1266
South Palm Beach1267
White Springs1268
Center Hill0269
Chiefland0270
High Springs0271
Howey-in-the-Hills0272
Indian Creek Village0273
Indian River Shores0274
Jennings0275
Key Colony Beach0276
Lawtey0277
Manalapan0278
Melbourne Village0279
Midway0280
Port St. Joe0281
Sewall's Point0282
Trenton0283
Welaka0284
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About 3,027 vehicles were stolen in 2016 in that one city alone. There were 1,031 more vehicles stolen in Jacksonville, then in Miami – the city ranked second.

Road Fatalities in Florida

Watch this news report on Florida traffic fatalities.

Although this section of our Florida guide is rather dreary, we feel all drivers should know the risk factors that result in injuries and deaths. Once you’re educated on the dangers to be wary of and the driving behaviors to avoid, you can do your part to save lives on Florida’s public roadways.

Okay, now that you were warned, let’s begin by looking at how specific weather conditions affect death totals.

Florida Fatal Crashes by Light and Weather Condition

Let’s look at the number of fatal crashes by light and weather conditions.

Florida Fatal Crashes by Light and Weather Conditions
Weather ConditionDaylightDark but LightedPitch BlackDawn or DuskOther or UnknownTotal
Normal1,12580165814742,735
Rain61473150144
Snow/Sleet000000
Other38243240
Unknown012003
TOTAL1,18985771515562,922
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The chart above shows the total number of car crashes in Florida in 2017, that resulted in lives lost. It is a crash count, not a death count. The disturbing reality is that one car crash often causes multiple, devastating injuries, and deaths.

Florida Traffic Fatalities by County

The table below shows the car crash death totals from 2013-2017 in every county in Florida.

All 67 counties are listed in alphabetical order. Use the search box to pull up the area quickly.

Florida Fatalities by County
County20132014201520162017
Alachua3330374655
Baker9212137
Bay1730323829
Bradford541067
Brevard7665829884
Broward180173224245225
Calhoun12431
Charlotte2219233027
Citrus1726292431
Clay1018332621
Collier3339463523
Columbia1715222020
Desoto27161115
Dixie92624
Duval133120133156151
Escambia4543494651
Flagler1624122533
Franklin22151
Gadsden126121819
Gilchrist43354
Glades8314213
Gulf22219
Hamilton36559
Hardee5102512
Hendry11810199
Hernando2920352534
Highlands2121222118
Hillsborough171158190228190
Holmes659910
Indian River2222242628
Jackson918301817
Jefferson61574
Lafayette50425
Lake4841615548
Lee928195105113
Leon1833294034
Levy2113212323
Liberty21043
Madison94772
Manatee4049567154
Marion4655707090
Martin1520303425
Miami-Dade225280339294285
Monroe2011213218
Nassau1017152218
Okaloosa2229342132
Okeechobee12961013
Orange124143142171189
Osceola4250494955
Palm Beach137130187181162
Pasco55717086107
Pinellas83116103128118
Polk94113112137111
Putnam1920202626
Santa Rosa3118191319
Sarasota3131586849
Seminole4430444147
St. Johns3139373042
St. Lucie3338363541
Sumter1920171723
Suwannee1317122014
Taylor664613
Union21324
Volusia908687122130
Wakulla322147
Walton171391721
Washington835510
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All five years, the three counties with the most traffic deaths remained the same. Here are their five-year fatality totals:

  • Miami-Dade County – 1,423
  • Broward County – 1,047
  • Hillsborough County – 937

It’s bad news: for all three counties, the 2016-2017 death totals were significantly higher than their 2013-2014 totals.

Miami-Dade County had a drastic 27 percent increase in traffic fatalities from 2013 to 2017.

Remember, these numbers consist of preventable tragedies. Here’s a news report showing a Miami-Dade County car crash.

Traffic Fatalities in Florida by Road Type

Okay, now let’s look at rural vs. urban roadways.

Here are the car crash death totals by road type across ten years:

Florida Fatalities by Road Type
YearRuralUrban
20081,1611,809
20091,0351,498
20109461,482
20119681,420
20128731,555
20139691,434
20146341,860
20158591,972
20168702,275
20176741,731
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Interestingly, rural road safety in Florida has improved from 2008 to 2017, while urban roads have experienced an increase in traffic deaths across those same years.

There were 1,508 more traffic deaths on urban roads from 2013-2017 than there were the five years prior (2008-2012), and 977 less compared those same time frames for rural roads.

Floria Traffic Fatalities by Person Type

What were all those people doing when they were killed? This next table breaks down the deaths by the types of vehicle drivers used.

Florida Fatalities by Person Type
Person Type20132014201520162017
Bicyclists133139150138125
Bus Occupants02060
Large Truck Occupants2522313045
Motorcyclists485478615586590
Other/Unknown4458516256
Passenger Car Occupants7267689031,0481,001
Pedestrians499588629653654
Pick-up Truck Occupants191199215297258
Utility Truck Occupants219186271262306
Van Occupants8154739477
State Total2,4032,4942,9383,1763,112
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Pedestrian fatalities have been on the steady rise in Florida since 2013, with up to 18 percent in just 12 months.

Florida Traffic Fatalities by Crash Type

Now let’s look at some crash specifics for the accidents that caused all these deaths:

Florida Fatalities by Crash Type
Crash Type20132014201520162017
Involving an Intersection7648031,0091,0431,134
Large Truck Involved197190225293292
Rollover Involved431371481573538
Single Vehicle Crash1,3761,3951,6001,6961,622
Speeding Involved346245320310299
Roadway Departure Involved9579401,0711,2031,122
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Traffic accidents involving intersections were the only category that had constant increases all five years.

Alarming facts: in 2017, there were 246 more single-car crash deaths and 370 more intersection crash deaths in Florida than there were in 2013.

Florida Counties with the Most Traffic Fatalities

The chart below shows a five-year trend for the ten counties in Florida where the most traffic deaths occur:

Florida: 10 Counties with the Most Fatalities
County20132014201520162017
Miami-Dade225280339294285
Broward180173224245225
Hillsborough171158190228190
Orange124143142171189
Palm Beach137130187181162
Duval133120133156151
Volusia908687122130
Pinellas83116103128118
Lee928195105113
Polk94113112137111
Top 10 Counties Total1,3291,4001,6121,7671674
Remaining Counties Total1,0741,0941,3261,4091438
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Overall the death count is going up across Florida, but the greatest increase this five-year trend shows is Orange County.

In 2017 there were 65 more people killed in Orange County traffic deaths than in 2013.

Approximately 55 percent of ALL the traffic deaths in Florida are happening in these ten counties.

Here’s a graph to see the comparison of traffic deaths in these ten counties from 2015-2017:

As you can see, 2016 was a bad year for traffic deaths, especially in Broward, Hillsborough, and Polk counties. In 2015, Miami-Dade had a scary spike in deaths—fortunately, there were 54 fewer people killed on those same roads in 2017.

Traffic Fatalities in Florida Involving Speeding

In a rush? Is it worth risking a lifelong injury (or death) to shave a few minutes off your commute? Is it worth a $376 fine?

Just remember if you get in a car accident, you’ll never make it on time. And much worse – if you kill someone while speeding, you’ll only end up without a license, in handcuffs, facing jail time. Slow down. Speeding kills. Below are the numbers to prove it.

Florida Traffic Fatalities Caused by Speeding
County20132014201520162017
Alachua93568
Baker01011
Bay23275
Bradford01010
Brevard1168915
Broward2819302822
Calhoun00000
Charlotte32352
Citrus30222
Clay00132
Collier62112
Columbia25223
Desoto00630
Dixie50000
Duval1654911
Escambia106238
Flagler23112
Franklin11000
Gadsden00164
Gilchrist30101
Glades11101
Gulf20000
Hamilton00214
Hardee00000
Hendry13032
Hernando20510
Highlands01302
Hillsborough3427302722
Holmes00400
Indian River0123
Jackson22342
Jefferson20301
Lafayette20100
Lake50632
Lee1513181221
Leon35733
Levy32721
Liberty00010
Madison30000
Manatee33151
Marion969710
Martin03282
Miami-Dade3125293023
Monroe32011
Nassau20010
Okaloosa24132
Okeechobee11003
Orange1610101019
Osceola42100
Palm Beach1915373118
Pasco22764
Pinellas716141316
Polk159181113
Putnam41201
Santa Rosa53102
Sarasota526114
Seminole85355
St. Johns56214
St. Lucie50334
Sumter32200
Suwannee72223
Taylor00011
Union00000
Volusia1388129
Wakulla11001
Walton04123
Washington01001
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The counties in Florida with the most speeding fatalities in 2017 were Miami-Dade, Broward, and Hillsborough. These three counties alone had a combined 67 deaths caused by one deadly decision in that year.

In 2015 and 2016, Palm Beach was the county in Florida, with the most traffic deaths caused by speeding. Here’s the five-year fatality total for those top four counties:

  • Hillsborough County – 140
  • Miami-Dade County – 138
  • Broward County – 127
  • Palm Beach – 120

Miami-Dade County had the most fatalities, while Palm Beach had the least deaths.

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Traffic Fatalities in Florida Involving Alcohol

You think having a little alcohol, being a little tipsy, then driving yourself home is okay? A lot of Floridians think it’s okay to mix drinking and driving.

In 2017, 58 percent of the traffic deaths in Florida involved drivers with alcohol in their system—27 percent of those drivers were drunk.

If you’re convicted of DUI manslaughter in Florida, a second-degree felony, you can go to prison for 10 to 15 years.

The chart below lists the total number of traffic deaths that involved a drunk driver (BAC = .08+) from 2013-2017 in all 67 Florida counties:

Florida's Drunk Driving Deaths by County
County20132014201520162017
Alachua9813914
Baker12452
Bay4129155
Bradford21021
Brevard1415252522
Broward5142566657
Calhoun00101
Charlotte6651012
Citrus364713
Clay34896
Collier712964
Columbia34846
Desoto044310
Dixie60513
Duval3939395344
Escambia2411141215
Flagler512366
Franklin11010
Gadsden20758
Gilchrist10102
Glades31405
Gulf21101
Hamilton12134
Hardee16012
Hendry43353
Hernando64769
Highlands53674
Hillsborough5647547044
Holmes00214
Indian River29976
Jackson44553
Jefferson20030
Lafayette20111
Lake227151615
Lee2419333338
Leon61481410
Levy451017
Liberty10011
Madison22131
Manatee1215132015
Marion1212141922
Martin4510108
Miami-Dade5173817366
Monroe93793
Nassau32564
Okaloosa6101246
Okeechobee53213
Orange3342446051
Osceola1110101219
Palm Beach3632465440
Pasco1613232024
Pinellas2240244334
Polk2627343329
Putnam51091310
Santa Rosa154724
Sarasota87172116
Seminole911121210
St. Johns5109910
St. Lucie714799
Sumter56346
Suwannee63542
Taylor11015
Union11211
Volusia2526214038
Wakulla12034
Walton87359
Washington10012
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From 2013 to 2016, the three counties with the most DUI fatalities were consistently Broward, Hillsborough, and Miami-Dade. In 2017, Orange County had more than Hillsborough. Here are the five-year death totals for those top four counties:

Top 10 Florida County Fatality Comparison

In sections above, we showed you how many total fatalities happened in all 67 Florida counties every year from 2013 to 2017, and we gave you the breakdown for how many of those traffic deaths were caused by speeding and drunk driving.

Since that’s a lot of numbers and info to compare, we put it all in a graph. Below is a visual comparing these crash causes for the ten counties in Florida with the most traffic deaths in 2017.

In all ten counties, over 30 percent of the traffic deaths were caused by speeding or drunk driving.

If law enforcement in these counties started to crack down on these two offenses alone, there would be a significant reduction in deaths across the state.

Teen Drinking and Driving in Florida

Underage drinking and driving is a major problem in Florida that can’t be ignored. Florida’s rate of drivers (under 21) impaired by alcohol and killing people in car crashes was worse than 36 states and D.C. in 2016.

What doesn’t add up here is that Florida’s death rate by underaged impaired drivers was worse than 73 percent of the county, but its DUI arrest rate for teen drivers was low.

Here are the stats: Florida had 1.6 deaths for every 100,000 people caused by an illegal drinker who was driving impaired, but according to the FBI reports for that same year, Florida only had 109 teen driver DUI arrests.

EMS Response Time in Florida

Most people don’t ask until someone is hurt or in trouble: “How fast will help arrive?!”

How long it takes for the Emergency Medical Services (EMS) to arrive in your area is very helpful to knowledge to have, but I bet none of your neighbors know the answer.

It’s not just random trivia either. Knowing how fast EMS arrives at crash sites can help you make split-second decisions such as if someone needs CPR or a tourniquet.

Check out the average EMS response times below for both rural and urban fatal car crashes in Florida:

Florida EMS Response Times - Urban vs Rural
EMS Response TimesRural Fatal CrashesUrban Fatal Crashes
Time of Crash to EMS Notification17 minutes 9 seconds1 minute and 47 seconds
Notification to EMS Arrival15 minutes5 minutes and 49 seconds
EMS Arrival to Hospital ArrivalNANA
Time of Crash to Hospital ArrivalNA35 minutes
Total Fatal Crashes7682,141
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EMS teams can arrive at the scene of a fatal crash much faster in the urban areas of Florida

An important fact to keep in mind is that even in urban areas in Florida, from the time of a fatal crash until medical help arrives will likely be over seven minutes. In those crucial minutes, you can move the injured out of traffic, give CPR if needed, and apply pressure to a wound. You might not be an expert, but a little help could save someone’s life.

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Transportation Facts for Florida

In addition to the scary stuff, we have covered DUI manslaughter and emergency tourniquets. It’s essential to know basic commuter facts in your area that will affect your daily life.

If you live in a friendly, safe neighborhood, it’s easy to become oblivious to your surroundings. But, things can be much different, just a few miles from your home.

Let’s start by looking at how many vehicles there are per family across the state.

For all three graphs below, the 2017 data shown compares Florida households in orange to the U.S. average in grey.

Car Ownership in Florida

A combined 67 percent of Florida families own one or two cars. In the rest of the country, it is less common to own one care and more common to own three cars than it is in Florida.

Commute Times in Florida

Overall, Florida residents have a longer commute than the average American employee. Check out this graph for details.

The most common commute length for Florida residents is 30-34 minutes one-way, whereas the highest percentage of Americans have a much shorter average commute of only 15-19 minutes each way.

Ten percent of Florida employees have to endure a 45-59 minute commute to and from work, which is a higher percentage than the national average. Fortunately, Florida beats the U.S. average, with under three percent of residents having a “super commute” (over an hour and a half long).

Commuter Transportation in Florida

When comparing the average Floridian to the rest of the country, the travel mode used to get to and from work is similar. Here is Florida’s standard method travel for commutes compared to the national average.

The biggest differences are more Florida residents drive alone and work from home, and less use public transportation or walk to work than the average American employee.

In Florida, just under 80 percent of those employed drive alone to work every day.

Traffic Congestion in Florida

Each year INRIX does a massive traffic study that analyzes congestion and mobility in over 200 cites and 38 countries around the world. Their 2018 findings showed that Americans lose an average of 97 hours a year sitting in traffic, which costs the nation over $87 billion.

For two consecutive years, four cities in Florida have ranked in this global traffic study due to having some of the busiest roads in the world. Let’s see how the most congested cities in Florida compared to the other 216 cities in the 2018 update to this study.

 JacksonvilleMiamiOrlandoTampa
2017 Rank18070125114
2018 Rank17973127107
2018 Hours Lost to Traffic601057487
2017-2018 Percent Change+1%-5%+16%+11%
Per Driver Cost of Congestion$840$1,470$1,037$1,216
Inner City Avg Travel Time3 minutes5 minutes4 minutes5 minutes
Inner City Avg Speed17 mph12 mph15 mph13 mph
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In Miami, residents are losing 105 hours a year to traffic. In addition to being infuriating, this congestion costs the city an outrageous $1,470 for each motorist. This troubling expense is $122 (per driver) more than the national average.

Traffic Results in Crashes: Drivers stuck in traffic kill time on their phones, then even after the cars start moving, they’re still distracted and cause an accident. It happens all too often.

Make sure you have the car insurance you need to cover vehicle damages and maybe even a chiropractor bill to fix your neck from the whiplash. In Florida, no matter who is at fault, your PIP coverage is what pays. Enter your ZIP code below to compare the top Florida car insurance providers in your area!

Frequently Asked Questions: Florida Car Insurance

Let’s go over a few frequently asked questions for the final section of the guide. For more information about Florida car insurance, visit our main page.

#1 – Who has the cheapest car insurance in Florida?

USAA, Geico, and State Farm have the cheapest car insurance rates in Florida.

What is the best car insurance in Florida? Geico, Progressive, and Allstate are the best car insurance companies in Florida based on ratings and reviews.

#2 – How much is car insurance in Florida per month?

Florida car insurance averages $105 per month.

#3 – Is car insurance high in Florida?

Yes. According to Forbes, Florida is fourth in the most expensive states for car insurance. Why is car insurance so high in Florida?

Florida has the highest percentage of uninsured drivers in the United States, and no-fault insurance makes rates go up as well.

#4 – Can I find cheap car insurance in Melbourne, FL?

Direct Auto Insurance is one of the cheapest companies in Melbourne.

#5 – What are the best insurance companies to work for in Florida?

The top three best companies to work for are Blue Cross and Blue Shield of Florida, Florida Health Care Plans, and Citizens Property Insurance.

#6 – What does FL mean on BACtrack?

“FL” means there was an error when the BACtrack Keychain doesn’t get a sufficient breath sample in order to measure the blood alcohol content.

#7 – Do you need insurance to drive in Florida?

Yes. All drivers in the United States are required to comply to state minimum requirements for car insurance.

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