Car insurance

Uninsured motorist coverage protects you if you're hit by a driver with no insurance. It covers medical bills, lost wages, and sometimes pain and suffering. It's optional in many states but recommended.

As of 2025, the average car insurance cost in Florida is approximately $2,560 per year, or about $213 per month for full coverage. Minimum coverage averages around $1,100 per year.

To get a low auto insurance quote, you'll need to provide personal details, vehicle information, driving history, current insurance status, and your desired coverage. Insurers consider factors like your driving record, credit score, and car usage. To lower your rate, you can bundle policies, increase your deductible, maintain good credit, drive safely, and take advantage of discounts for things like low mileage or safety features. Comparing quotes from multiple providers is one of the best ways to find the most affordable option.

Stacked insurance lets you combine uninsured/underinsured motorist coverage across multiple vehicles for greater protection. It’s usually worth it if you own more than one car and want extra coverage, especially in areas with many uninsured drivers. It’s less useful if you only have one vehicle or are trying to cut costs.