Florida Car Insurance

Residents, Cars & Insurance Information on The State of Florida

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Population and Drivers

Florida has a 19,317,568 total residents, 15,786,188 of those are 16 or over. 6,768,578 registred licensed male drivers, 48.71%, and 7,128,003 are licensed female drivers, 51.29%, which brings the total of drivers to 13,896,581.

Cars, Buses and Motorcycles:

7,535,856 cars are registred to drive on the roads of Florida. 7,471,652 private/commercial and 64,204 are publicly owned. 31,234 buses in total, 13,556 private/commercial and 17,678 are publicly owned.
As for motorcycles, there are total of 619,152 bikes, 619,079 registred private/commercial and 73 public property. Overall, there are approximatly 15,665,986 registred vehicles in Alabama.

Speed Limits

Cars are limited to 65 mph in urban areas and 70 mph in rural areas. Trucks are limited to 70 mph in urban roads and 65 mph in rural ones.

Auto Insurance Requirements

Driving in Florida mandate a 10/20/10 coverage:
Physical Damage Liability (PD) Liability, No-Fault Personal Injury Protection (PIP) at $10,000, $20,000, $10,000.
Instead of policy limits, policyholders can satisfy the requirement with a combined single limit policy.

Uninsured Drivers

24.00% of Florida drivers are estimated to be driving uninsured according to Insurance Research Council on 2009. Which ranks Florida #5 among states where drivers take to the road without car insurance.

Bad and Worst Drivers - The Scores

When compared with other states, Florida scores 33 on fatalities per 100 miles, 38 on failure to obey traffic laws, 18 of drunk driving, 48 on tickets and 51 on careless driving. Overall, Florida ranks #6 for worst drivers.

Most Stolen Vehicles

2000 Honda Civic is the most stolen car in Florida, according to a study from National Insurance Crime Bureau. Top 10 are:
1. 2000 Honda Civic
2. 1996 Honda Accord
3. 1990 Toyota Camry
4. 2006 Ford F150 Pickup
5. 2004 Dodge Ram Pickup
6. 2008 Nissan Altima
7. 2000 Dodge Caravan
8. 2007 Toyota Corolla
9. 1995 Nissan Maxima
10. 1996 Jeep Cherokee/Grand Cherokee

Car Insurance Rates from Companies & Brokers in Florida

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Sample Florida auto insurance rates across various plans


Plan Highest Lowest Average
Monthly $764.08 $19.67 $162.90
Biannually (6 Mths) $4584.50 $118.00 $977.42
Yearly $9169.00 $236.00 $1954.83

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Monthly rates in Florida across all cities

Highest Monthy$764.08

Lowest Monthly$19.67

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Annual rates in Florida across all cities

Highest Annual$9169.00

Lowest Annual$236.00

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