Auto Coverage Estimator

See estimated Florida auto rates across three coverage tiers. Useful for deciding whether to bump from the state minimum to recommended limits.

Florida state minimum (PIP $10K + PDL $10K)

$73 – $98/mo

Florida's legal minimum is $10K Personal Injury Protection plus $10K Property Damage Liability. Bodily Injury liability is NOT required by FL law for most drivers — which leaves you personally exposed if you cause an accident.

Recommended (BI 100/300 + PDL 100 + PIP + UM)

$111 – $150/mo

Adds Bodily Injury and Uninsured Motorist coverage. The level most agents recommend if you own a home or have savings to protect.

Full coverage (above + Comp + Collision)

$149 – $202/mo

Required if you have a loan or lease. Often worth it on newer vehicles.

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Connects you to a Florida-licensed agent at Sentinel Casualty Insurance — quotes based on your full driver profile.

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Estimates are illustrative and based on Florida 2026 carrier averages — not binding quotes. Actual premiums vary by carrier, vehicle, ZIP, and underwriting.

How this calculator works

Florida’s auto market has wide rate variation by ZIP code, age, credit, driving record, and mileage. We start with a Florida-baseline monthly premium for each coverage tier and apply weighted multipliers for each input.

Real carrier quotes also factor in vehicle make/model, garaging address, prior coverage, and insurance score. Click “Start my auto quote” to get personalized quotes that account for those.

Calculators provide estimates only. Real carrier quotes vary based on factors not captured here. Click “Start my quote” to get a real quote tailored to your specifics from a Florida-licensed agent.