Cheap Car Insurance Florida You Can Count On

Here’s why:

• High accident and claim rates

• Severe weather risks like hurricanes and flooding

• No-fault insurance laws that lead to more medical claims

• Uninsured drivers — nearly 20% of drivers in Florida don’t have insurance

These factors all contribute to the state’s high insurance costs, making Florida’s car insurance rates some of the highest in the nation.

But just because rates are high doesn’t mean you can’t find cheap car insurance. The key is knowing where to look, what discounts to take advantage of, and which companies offer the best rates for your situation.

How to Get Cheap Car Insurance in Florida

Getting cheap car insurance in Florida doesn’t mean settling for bare-minimum protection. The key is to balance coverage with smart discounts and know where to shop.

Here’s how to lower your premium in 2025:

• Compare quotes from multiple insurers
  Rates vary dramatically between providers. At Budget Insurance Agency, we compare multiple carriers for you—saving you time and money.

• Ask about available discounts
  Common discounts include safe driver, good student, multi-policy bundling, low mileage, paperless billing, and telematics programs.

• Customize your coverage
  We help you avoid overpaying by choosing coverage limits and deductibles that make sense for your situation—without sacrificing protection.

• Maintain a clean driving record
  Tickets and accidents lead to higher premiums. Staying violation-free can significantly reduce your rates over time.

• Review your policy regularly
  If you’ve recently moved, changed vehicles, or adjusted your commute, you might qualify for cheaper insurance based on your new profile.

Pro Tip: Most drivers save 10–25% annually just by shopping around. Don’t leave that money on the table.

Get the Best Rates with Budget Insurance Agency

We specialize in helping Florida drivers access cheap car insurance that still provides real protection when you need it.

When you work with us, we’ll:

• Compare rates from multiple companies to ensure you get the best deal

• Highlight the cheapest company, such as GEICO, known for its competitive rates and extensive discounts

• Help you customize a policy with your chosen insurance company based on your needs and budget

• Walk you through all available discounts

• Provide real-time support from experienced, local agents

Whether you need state-minimum coverage or full protection, we’ll make sure you’re not overpaying.

“I saved over $700 a year by switching through Budget Insurance Agency. They helped me understand my coverage and made it easy to compare rates.” – Maria G., Orlando

Minimum Car Insurance Requirements in Florida

To legally drive in Florida, you must carry at least the minimum amount of:

• $10,000 in Personal Injury Protection (PIP)

• $10,000 in Property Damage Liability (PDL)

This minimum required coverage ensures legal compliance but may not be enough in the event of a serious accident or if you’re hit by an uninsured driver.

Collision coverage, while not mandated by law, helps pay for repairs or replacement of your vehicle if it’s damaged in an accident with another vehicle or object. It is often required by lenders or lessors when financing or leasing a car.

That’s why many of our customers choose to add:

• Bodily Injury Liability

• Uninsured/Underinsured Motorist Coverage

• Comprehensive and Collision

• Roadside Assistance or Rental Reimbursement

Our agents will explain your options and help you decide what’s right for your situation.

Who Qualifies for Cheap Car Insurance in Florida?

While rates vary based on several factors, including whether you are considered a higher risk due to driving experience, history of accidents, or credit scores, you may qualify for discounts if you:

• Have clean records or clean driving records

• Drive fewer miles each year

• Own a home or bundle policies

• Have good credit

• Are a student with a B average or higher

• Complete a defensive driving course

• Use telematics or a usage-based insurance program

We’ll check every available discount to help you lock in cheap car insurance that meets Florida’s legal requirements and your personal needs.

Average Insurance Rates by Florida City (2025 Estimates)

These are just averages—our agents help you find car insurance rates and car insurance premiums below the local average by comparing real-time quotes from multiple providers.

Frequently Asked Questions

1. Can I really get cheap car insurance in Florida?

Yes—especially if you shop around, compare quotes, and obtain a free car insurance quote, taking advantage of discounts. Working with an independent agency like Budget Insurance Agency gives you access to multiple carriers, which often results in better rates than going directly through one insurance company.

2. Is minimum coverage enough in Florida?

Minimum required coverage keeps you legal, but it might not cover all expenses after a serious accident. Our agents can help you find affordable options that increase your protection without a huge jump in price. Opting for more coverage can provide better financial protection against Florida’s high insurance costs and risk factors.

3. Does Florida require full coverage?

No, Florida doesn’t legally require full coverage, but lenders typically do if your vehicle is financed or leased. We can help you build a full coverage plan that includes both comprehensive coverage and collision coverage to meet those requirements—without overpaying.

4. How can I lower my premium?

Maintain a clean driving record, avoid lapses in coverage, bundle your policies, and consider enrolling in a telematics program. We’ll help you explore all the ways to lower your car insurance rates, including monitoring your driving behavior to qualify for discounts.

5. Can I get insured if I don’t have a Florida driver’s license?

Yes, in some cases. Whether you’re new to the state or insuring a vehicle for someone else to drive, our team can help you navigate the process with the insurance company and find legal coverage that meets the requirements set by state regulators.

Get a Free Quote on Cheap Car Insurance in Florida

Don’t waste time shopping around on your own to get a free car insurance quote. At Budget Insurance Agency, we do the comparison shopping for you. Whether you’re looking for cheap car insurance in Florida, more protection for your vehicle, or just honest guidance from an insurance company—we’re here to help.