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Coverage and service for the Sunshine State

If you live in Florida or plan to move there, we can help you find the protection you need with USAA Auto Insurance.

Whether you’re heading to the sandy beaches of Miami or cruising down the stunning Florida Keys, we can be there for you.

Required car insurance coverage in Florida

Florida law requires drivers to have the following minimum coverage limits. The state also requires vehicle owners to be financially responsible if they’re involved in an accident. 

Popular coverage options

Some drivers choose to have more coverage for greater protection.

Collision

If your vehicle is damaged in an accident related to driving, this can help pay to repair or replace it. Leasing companies or lenders may require collision coverage.

Comprehensive

If your vehicle is damaged by things like fire, flooding or hail, this can help pay to repair or replace it. Leasing companies or lenders may require comprehensive coverage.

Rental reimbursement‍ ‍ See note 1

If your vehicle is in the shop for repairs after a covered loss, this helps cover the cost of a rental car.

Roadside assistance‍ ‍ See note 2

If you're broken down, out of gas or stranded with a flat tire, you can get help with roadside assistance.

How much is car insurance in Florida?

Florida members paid $272 per month on average in 2024‍ ‍ See note 3 for USAA Auto Insurance.

There are many things that affect auto insurance rates. How many miles you drive a year and your driving record both play a part.  

Florida also has a high percentage of uninsured drivers and a higher risk for natural disasters, making car insurance more expensive.

USAA SafePilot Miles™ could help you save while you serve.‍ ‍ See note 4

If you’re active duty living on base and don’t drive too often, USAA SafePilot Miles could be a great option to help lower your expenses. It could also help you if you’re about to deploy.

Learn about SafePilot Miles

Other ways to make your car insurance cheaper

You don’t have to sacrifice quality coverage and service to lower your premium. We can help with auto discounts and savings.

Multi-vehicle

You’ll save automatically when you have two or more vehicles on a policy.‍ ‍ See note 5

Bundle and save

Save up to 10% when you bundle auto and property policies.‍ ‍ See note 6

New vehicle

If your vehicle is less than 3 years old, you might get a discount on your car insurance.‍ ‍ See note 5

Why choose USAA Auto Insurance

Find out what it means to be a member.

Members save

A survey showed that our members saved an average of $840 per year when they switched to USAA Auto Insurance.‍ ‍ See note 7

Claims made easier

Manage your policy and claims from anywhere 24/7 using the USAA Mobile App.

Florida car insurance FAQ

If you’re moving to Florida or within the state, you should change the vehicle location on your auto policy. You may also want to review your coverage and deductibles, as insurance needs can change with a move. 

It’s also a good idea to check with your state to see if you need to update your vehicle registration. 

Some states may require you to carry a physical insurance ID card. You can print your own card or we can send it to you. You can also save a digital copy to the USAA Mobile App.

Yes. Drivers are usually required to get personal injury protection or no-fault coverages in Florida. That means if you or your passengers are injured in a car accident, then your own auto insurance would help cover related medical costs no matter who caused the accident.

Related footnotes:

  1. Rental Reimbursement and Transportation Expenses are additional coverages and require additional premium. Restrictions apply.

  2. USAA Roadside Assistance™ is part of USAA Towing and Labor coverage and applies to covered vehicles only. USAA Roadside Assistance is provided through Agero Services Corp. NOTE: If you need to use Roadside Assistance for an insured vehicle that does not have USAA Towing and Labor coverage, you will be responsible for all charges and services performed. Roadside Assistance coverage does not cover the cost of repair parts. Additional premium required for towing and labor coverage with Roadside Assistance.

  3. Average monthly cost for car insurance is based on Monthly Average Premium on USAA Auto Insurance policies for state listed.

  4. The USAA SafePilot® and USAA SafePilot Miles™ programs are optional programs available with USAA Auto Insurance. Member must have an active USAA Auto Insurance policy and enroll in USAA SafePilot or USAA SafePilot Miles to receive discounts and/or mileage based rates. These programs are only available in select states. Program availability and state restrictions apply. Smartphone, data plan and download of the USAA DriveSafe™ App required.

    USAA SafePilot and USAA SafePilot Miles: Earned driving discount is offered at renewal and is based on driving behavior of all the rated drivers on the policy. Discount will vary by program selected and may vary by state. Discounts are subject to change over the life of the policy.

    USAA SafePilot program: Participation discount expires at first renewal in which the earned driving discount is applied, not to exceed 365 days.

    USAA SafePilot Miles program: This program is best for those comfortable with a monthly bill that varies and if you drive less than 8,000 miles per year.

    Review the Program Terms and Conditions (Opens in New Window) for more information.

  5. Discounts may not be available in all locations and are subject to change, other restrictions may apply.

  6. Savings are off total premium. Not available in all states or in all situations. To qualify for a discount on the property policy, a USAA Auto Insurance policy must be active within 60 days of issuing the property policy. Discounts will apply at renewal for existing property product(s). Discount subject to change. Restrictions apply.

  7. Potential average savings based on a countrywide survey conducted March 6, 2025 to April 4, 2025 of new customers who self-reported savings when they switched to USAA Auto Insurance between July 1, 2024 to March 26, 2025. Individual savings may vary and isn't guaranteed.

Related footnotes:

  1. Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change. To join USAA, separated military personnel must have received a discharge type of Honorable or General Under Honorable Conditions. Eligible family members may also join USAA.

  2. Property and casualty insurance underwritten by United Services Automobile Association (USAA), USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, NOBLR Reciprocal Exchange, based in San Antonio, Texas; USAA EU DAC (Europe), and USAA S.A. UK Branch (pending cancellation to align with the pending branch authorization application) and is available only to persons eligible for property and casualty group membership. Each company has sole financial responsibility for its own products.

    Coverages subject to the terms and conditions of the policy.

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