Low Income Car Insurance Florida | Affordable Coverage

How to Get the Cheapest Car Insurance in Florida

As an independent brokerage, Insurance Medics shops over 20 carriers to find you the lowest rate. Here is what makes the biggest difference in lowering your premium:

💡 Pro Tip: Choosing Florida's minimum required coverage (PIP + PDL) instead of full coverage can cut your monthly premium by 40–60%. If your car is older or paid off, minimum coverage may be the right choice for your budget.

Florida Minimum Coverage Requirements

Florida is a no-fault state, which means all drivers must carry:

$10,000 Personal Injury Protection (PIP) — covers your medical expenses regardless of fault
$10,000 Property Damage Liability (PDL) — covers damage you cause to another person's property

Estimated Low Income Auto Insurance Rates in Florida

Coverage Type	Estimated Monthly Rate
Florida Minimum (PIP + PDL)	$80 – $140/mo
Liability Only	$90 – $160/mo
Full Coverage — Older Vehicle	$150 – $220/mo
SR22 + Minimum Coverage	$120 – $200/mo

*Rates vary based on driving history, vehicle, ZIP code, and other factors. Call for your exact quote.

Tips to Lower Your Car Insurance Premium in Florida

Choose minimum coverage if your car is paid off and older
Pay your premium in full (some carriers offer a discount)
Bundle auto with renters or homeowners insurance
Maintain a clean driving record — avoid tickets and accidents
Take a defensive driving course — some carriers offer discounts
Shop your policy every 6 months — rates change frequently

Frequently Asked Questions

Is there government-sponsored low income car insurance in Florida?

Florida does not currently have a state-sponsored low income auto insurance program like California's CLCA. However, working with an independent broker like Insurance Medics gives you access to the most competitive rates from multiple carriers.

Can I get car insurance with no money down in Florida?

Some carriers offer policies with low or no down payment. Call us at (855) 460-3330 and we will check what options are currently available for your ZIP code and driving record.

What is the cheapest legal car insurance in Florida?

The cheapest legal option is Florida's minimum required coverage: $10,000 PIP and $10,000 PDL. Our agents can find you the carrier with the lowest rate for this coverage in your area.

Can I get car insurance with a bad driving record?

Yes. We work with carriers who specialize in high-risk and non-standard auto insurance. Even with tickets, accidents, DUI, or SR22 requirements, we can find coverage for you.

¿Tienen seguros económicos para personas de bajos ingresos en español?

Sí. Tenemos agentes bilingües que pueden ayudarte a encontrar el seguro más económico disponible. Llama al (855) 460-3330.

Low Income Car Insurance in Florida

Find the Lowest Rate Available

Affordable Options We Offer

Low Down Payment

Monthly Payment Plans

Minimum Coverage

Same-Day Coverage