AARP Car Insurance in Florida

Q: What Is the Average Car Insurance Cost Per Month in Florida?

The Harford’s customers pay between $121 to $162 a month for car insurance, on average. † While this range is the same for drivers across the country, it’s important to find an insurance company that understands the unique needs of senior drivers. We’re proud to offer the only auto insurance endorsed by AARP, complete with exclusive benefits and savings just for experienced drivers. For example, you can save up to 10% just for being an AARP member.†

Get Auto Insurance in Florida From The Hartford

Whether you just moved to the Sunshine State or are shopping for new car insurance in Florida, experienced drivers can enjoy peace of mind on the road with AARP^® Auto Insurance from The Hartford.¹ The Hartford has protected AARP members since 1984, offering exclusive benefits and discounts plus customizable coverage options. It’s why we’ve earned a reputation for integrity and trust as well as high customer ratings for claims services.

Types of Car Insurance Coverage in Florida

AARP auto insurance in Florida from The Hartford includes car insurance coverages that you can tailor to meet your unique needs, such as:

Liability Coverage

There are two types of liability coverages:

Bodily injury liability coverage to protect you from financial loss if you hurt someone in an accident.
Property damage liability coverage, which pays for damage that your car causes to property you don’t own.

Uninsured/Underinsured Motorist Coverage

Uninsured motorist coverage and underinsured motorist coverage help cover damages if you are hit by a driver who doesn’t have any or enough car insurance to cover the costs of damages and injuries. This insurance is split into three coverages:

Uninsured/underinsured motorist bodily injury coverage to help with bodily injury costs for you and your passengers.
Uninsured motorist property damage coverage to help pay for damage to your car.

Comprehensive Coverage

Comprehensive insurance pays to repair damage to your car from things like:

Natural disasters
Theft
Vandalism
Collision with an animal

Collision Coverage

Collision insurance helps cover the cost to repair or replace your car if you hit another vehicle or object, like a fence.

Medical Payments Coverage

Medical payments coverage is an optional coverage that provides financial assistance for medical expenses and rehabilitation after an accident.³

Personal Injury Protection

Personal injury protection (PIP) insurance, also known as no-fault insurance, helps pay for losses related to injuries from a car accident, no matter who was at fault. In addition to medical bills, PIP also helps cover funeral costs or lost wages.

The Hartford's car insurance calculator explains what type of insurance is required based on where you live, plus how much additional protection you may want, depending on your insurance goals.

Florida Car Insurance Requirements

As a Florida resident, you are required by law to have auto insurance. If you don’t have car insurance in Florida, you could be fined.

Before you can register and operate a vehicle in Florida, you must show proof of insurance. Florida state law requires you to have insurance at the following minimum limits for these required coverages:

Property damage liability coverage: $10,000 per accident
Personal injury protection (PIP) coverage: $10,000 per person

Proof of Car Insurance in Florida

Before you can register a vehicle, you must have auto insurance in Florida. Keep a copy of your car insurance ID card in your vehicle in case of a car accident. Florida also accepts electronic proof of insurance. With The Hartford mobile app, you can store your information right on your phone. For more information, visit Google Play™ or the App Store.™

What Is the Average Car Insurance Cost Per Month in Florida?

The Harford’s customers pay between $158 to $196 a month for car insurance, on average.²

While this range is the same for drivers across the country, it’s important to find an insurance company that understands the unique needs of senior drivers. We’re proud to offer the only auto insurance endorsed by AARP, complete with exclusive benefits and savings just for experienced drivers. For example, you can save up to 10% just for being an AARP member.^†

Remember:

Car insurance rates are complex and based on many unique factors. For example, the cost of auto insurance in Florida differs depending on where you live, your driving history and vehicle type.

Florida Car Insurance Laws

There are several safe driving laws meant to protect you on Florida’s roads, including:⁴

Florida Seat Belt Laws

It is mandatory to wear a seat belt while driving in Florida. All front seat passengers and all passengers under 18 must also have their seat belts fastened.

Florida Distracted Driving Laws

Distracted driving is anything that takes your eyes off the road or your hands off the wheel, like texting while driving, which is banned for all drivers in Florida.

Florida Teen Driver Laws

Florida has implemented graduated licensing laws to ensure that teenagers gain the experience they need to be safe behind the wheel. These laws limit nighttime driving, restrict teen passengers and ensure teens with a new driver’s license get driving practice with an adult.

The Financial Responsibility Law

Based on your driving record, you could be required to carry full liability auto insurance in Florida. For example, full coverage could be required if you’ve caused a car accident where someone had a covered injury or if you’ve received excessive points on your license. Past DUIs or repeated driving offenses would be other reasons Florida could require you to have full liability car insurance coverage.

The Florida No-Fault Law

Florida car insurance laws require drivers to have personal injury protection (PIP) coverage. Florida is a no-fault state, which means that if you’re in a car accident, each driver will file a claim with their own car insurance. Each driver’s insurance company pays for certain losses, like bodily injury, no matter who is at fault. This does not mean you can’t be sued for injury or damages.

Car Insurance Discounts and Benefits for Florida Drivers

Florida drivers can enjoy these car insurance discounts and benefits with AARP Auto Insurance from The Hartford:

Bundle your home and auto insurance, car and renters insurance or auto and condo insurance for an average savings of $963.**
Save 8% just by starting your auto insurance quote online.
Get a discount of up to 10% for paying your AARP car insurance bill from The Hartford on time.
Take advantage of a 5% defensive driving discount by taking an approved defensive driver course, like the AARP Driver Safety Course.
With The Hartford’s TrueLane Program, you can save up to 15% just for participating and earn a renewal discount of up to 40%, depending on your driving habits.^
If you pay your bill in full instead of making monthly payments, you’ll be eligible to receive extra discounts.

The Hartford offers optional coverages and benefits that add extra financial protection for AARP members, such as:

New Car Replacement Coverage

If you total your new car, we’ll pay to replace it with a new car of the same make and model without subtracting anything for depreciation.^§§

RecoverCare^§ Coverage

This benefit helps pay for home services, like house cleaning, if you’re injured in an accident and can’t do them yourself.

Lifetime Car Repair Assurance

Get access to our 1,600 authorized repair shops. If you use one of our recommendations, we’ll guarantee the workmanship on all repairs.

Disappearing Deductible

This optional benefit reduces your collision deductible on your auto policy over time as long as you’re a safe driver and maintain a clean driving record.^‡

Rental Car Reimbursement Coverage

Also called transportation expense coverage, this benefit helps pay for a rental car while your vehicle is in the shop after an accident.

Accident Forgiveness

This benefit excuses your first accident if you need to file a car insurance claim, as long as all drivers on your policy have a clean driving record and are accident-free for five straight years with The Hartford.^‡

male customer pleased with getting AARP Car Insurance in Florida online

Get a Quote for AARP Car Insurance in Florida Today

For 40 years, The Hartford has helped keep experienced drivers and their loved ones safe on the road at a price they’ve earned. To learn more about The Hartford’s car insurance benefits for AARP members, call our representatives today at 888-546-9099 or get a quote.

What The Hartford’s Customers in Florida Are Saying

“The Hartford talked me through this stressful experience. They made everything easy and handled everything for me.”

Margaret, from Spring Hill, Florida

“All [the] people I’ve spoken with have been informative and accommodating beyond m[y] expectations. I absolutely recommend The Hartford.”

Jay, from Sebastian, Florida

“The Hartford was excellent in handling everything for me.”

Joseph, from Naples, Florida

“The Hartford was as helpful and easy to work with as can possibly be expected. Customer support and claims representatives were prompt and professional throughout.”

Alice, from Cape Coral, Florida

“Had a claim and was very easy to get repairs I needed done.”

Clifford, from Crescent City, Florida

“Very quick and easy to work with. … Everyone was nice and responsive.”

Amanda, from Sanford, Florida

Frequently Asked Questions About Auto Insurance in Florida

At What Age Is Car Insurance Cheapest?

Age is just one factor when calculating the cost of car insurance. Typically, car insurance costs decrease with age, as you are considered more experienced on the road and less likely to cause an accident.

The Hartford offers numerous discounts you can take advantage of to get the best rate, like bundling homeowners and auto insurance for seniors. In fact, you can save $963 when you combine your policies with AARP Auto and Home Insurance from The Hartford.**

How Much Is Car Insurance in Florida?

Auto insurance rates in Florida will be different for everyone. You might even pay a different price than your neighbor. That’s because costs depend on things like your coverage amounts and discounts, type of vehicle you drive, location and driving history.

Is Florida a No-Fault State?

Florida is a no-fault state, so if you’re in a car accident, both drivers must file a claim with their own car insurance company. No matter who is at fault, each driver’s insurer will pay for certain losses, like bodily injury. You or the other driver can still be sued for injury, medical expenses or damages.

Why Is Auto Insurance in Florida So Expensive?

Florida car insurance prices are among the highest in the country due to factors like requiring no-fault insurance, high accident rates and extreme weather-related incidents.⁵

What Is the Minimum Auto Insurance Coverage in Florida?

At a minimum in Florida, you’ll need Personal Injury Protection (PIP) coverage and Property Damage Liability (PDL) for basic auto insurance. While this is the minimum coverage required in Florida, you may need additional coverage based on your needs.

How Do I Get Car Insurance Through AARP?

There is no such thing as AARP insurance. Car insurance from The Hartford, however, is designed exclusively for members. In fact, The Hartford offers the only national auto insurance program endorsed by AARP. To get an auto insurance quote, AARP members can call The Hartford at 888-546-9099. Not a member? We’ll help you sign up.

AARP Benefits and Discounts

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Last Updated: February 25, 2026

² Auto insurance rates by age range from 9/1/24 to 8/31/25.

³ Medical benefits are calculated on the basis of usual, customary and reasonable charges.

⁴ Governors Highway Safety Administration, “States”

⁵ Legal Clarity, “Why Is Florida Car Insurance So Expensive?”

^ Not available in all states, terms and conditions apply.

^† Average annual savings are derived from 6-month policy terms and based on information reported by customers who switched to The Hartford’s newest rate plan between 9/1/24 and 8/31/25. This data is also used to determine the number/percentage of individuals who saved money when they switched. Your savings may vary. Rate differences from AARP members and non-members vary by state and AARP membership tenure.

** Average annual savings are based on information reported by customers who switched to The Hartford’s newest rate plan between 9/1/24 and 8/31/25. Average auto insurance savings $597 and average home insurance savings $366. Your savings may vary. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance program from The Hartford. The Hartford does not write new business in all areas, including the states of CA and FL.

^§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage^® is a registered mark of The Hartford.

^§§ Terms and conditions apply.

^‡ Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.

^‡‡ Terms and conditions apply. Availability varies by state.

^‡‡‡ Based on one car and driver; individual rate/premium/savings will vary based on actual coverage selections and characteristics of vehicle(s)/driver(s).

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