Rate jumped after an accident in Florida? See where you stand.
An at-fault accident usually raises your premium for several years. But insurers don't all charge the same surcharge, so some may price you much lower than your current company. Check your number below, then compare.
How this estimate works
We turn your premium into a yearly cost and compare it to published Florida average annual premiums for your coverage level:
- Full coverage: $2,738 (Experian, Aug 2026 marketplace data) to $3,972 (InsuranceQuotes.com, insurer rate filings as of Aug 31, 2026; CarInsurance.com, updated Aug 18, 2026, reports $3,916).
- Liability only: $1,508 (InsuranceQuotes.com, 15/30/10) to $1,635 (CarInsurance.com, 50/100/50).
- State minimum: $1,224 (InsuranceMetrics, July 2026) to $1,672 (Experian, Aug 2026). CarInsurance.com reports $1,228.
More than 10% above the range = "may be overpaying"; more than 10% below = "good deal". Age, record, car and ZIP are shown as notes only, since we don't have verified Florida figures for each. This is an estimate, not a quote. Figures checked Oct 10, 2026.
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