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Coverage and service fit for Florida

Florida has the longest coastline — about 1,350 miles — in the contiguous United States, offering a variety of scenic road trips. If you live in the Sunshine State, USAA offers a combination of coverage and service fit for Florida. Whether you're perusing the Panhandle or cruising the Keys, USAA can be there for you.

The average cost of car insurance in Florida

There are many things involved in determining auto insurance rates. How many miles you drive a year and your driving record both play a part in how much you'll pay. Florida also has a high percentage of uninsured drivers and a higher risk for natural disasters, making car insurance more expensive.

See note$216See noteper month

The average monthly cost for all USAA auto policies issued in Florida in 2023.See note1

Florida car insurance coverage requirements

Florida is a no-fault state, which means no matter who caused the accident, your personal injury protection insurance will provide initial coverage for covered medical costs up to your policy limits.

Florida law requires drivers to have a minimum of:

  • $10,000 of personal injury protection

    This helps pay for your medical costs, no matter who's at fault in the accident.

  • $10,000 of property damage liability

    This helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident.

Some drivers choose to have higher limits and more coverages for greater protection. If you're responsible for injuries and damage that cost more than your policy will cover, you may have to pay out of pocket.

A popular coverage option is roadside assistance.See note2 It can help if you're broken down and need a tow. Many drivers also add rental reimbursement.See note3 It helps cover the cost of a rental car if your vehicle is in the shop for repairs after a covered loss.

If you're making payments to a leasing company or a lender, they may also require you to carry collision and comprehensive coverages. Learn more about the different types of car insurance coverage.

Get up to 30% off your premium for being a safe driver.See note4

With USAA SafePilot®, the better you drive, the bigger the discount you may earn.

Reasons to choose USAA Auto Insurance in Florida

A countrywide survey showed that when members switched to a USAA Auto Insurance policy, they saved an average of $725 on their annual premium.See note5 Here's what else you can expect with a USAA Auto Insurance policy.

Coverage for whatever moves you

Still have questions about car insurance?

We can help. To speak with a representative, call 800-531-USAA (8722).([thats 800-531-]8722)