CarsOct 5, 2025
Car insurance in Florida for new residents
New state, new rates. PIP, deductibles and why three quotes are non-negotiable.
Why it's expensive
Florida requires PIP (Personal Injury Protection). No US driving history means insurers price in extra risk.
Vehicle age, zip code and even credit score move the needle. One agent gives one picture — get at least three quotes.
Lowering the bill
Raise the deductible if you can cover repairs out of pocket. Drop comprehensive on a cheap car — keep required liability + PIP.
Ask about bundles, defensive driving discounts and low-mileage programs.
Before you buy
Quote the exact VIN before you sign — trim and year can add $50 or $500 per month.
Dealers offer insurance at the desk. Compare with an independent agent; don't sign under pressure.