The best car insurance in Florida

Nicole Wakelin

By

Nicole Wakelin

Nicole Wakelin

Automotive journalist

Nicole Wakelin is an automotive journalist who has covered the industry for over a decade. She’s always loved cars and the fact that they regularly hand her the keys to shiny new automobiles so she can write about them is a constant source of amazement. She covers breaking news, writes reviews, and attends auto shows and new vehicle launches across the country.

Her work has appeared in a wide range of publications both online and in print. These include U.S. News & World Report, The Boston Globe, TrueCar, Kelley Blue Book, and Autobytel. In addition, she speaks to all things automotive at conferences, on the radio, and on podcasts, including co-hosting the weekly Wheel Bearings Podcast.

Nicole is a current member and former Vice President of the New England Motor Press Association. She is also a juror for both the Women’s World Car of the Year and the North American Car, Truck and Utility of the Year.

Published October 13, 2021

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The average cost of a full coverage car insurance policy in Florida is $2,914 per year. However, rates vary greatly from one city to the next — the average cost of car insurance in Miami is $4,222, while drivers in Titusville pay an average of $2,476 a year.

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Rates in Florida may be higher than in most other U.S. states, but savvy drivers can still find cheap car insurance. The key is to get quotes from several companies. Policygenius can help you compare quotes from top car insurance companies to find the coverage that’s right for you.

Key Takeaways

  • GEICO has the lowest average rate for full coverage car insurance in Florida at $1,110 a year

  • Mercury Insurance has the highest average rate for full coverage car insurance in Florida at $3,187

  • Florida minimum liability requirements are $10,000 in personal injury protection and $10,000 in property damage liability

Cheapest car insurance companies in Florida

Insurance costs vary based on where you live, your age, your driving history, and the kind of car you drive. Every insurance company has its own formula for setting rates, so you can get very different rates from two companies for the same coverage. The table below shows the five cheapest car insurance companies in Florida and their J.D. Power scores.

Company

Average cost

JD Power Rating

GEICO

$1,432

871

State Farm

$1,630

881

Travelers

$2,245

861

Nationwide

$2,503

876

Mercury Insurance

$3,187

849

Cheapest car insurance companies by age in Florida

How old you are also plays a part in how much you’ll pay for car insurance. Younger drivers pay significantly more than older drivers. The longer you’ve been driving, the more experience you have on the road, while younger drivers may be more likely to take risks or make mistakes behind the wheel.

In Florida however, a single company has the lowest rate no matter your age.

Age

Cheapest company

Average cost

16

GEICO

$4,218

18

GEICO

$3,848

21

GEICO

$2,488

25

GEICO

$1,779

30

GEICO

$1,527

35

GEICO

$1,394

45

GEICO

$1,376

55

GEICO

$1,291

Choosing the right car insurance company in Florida

Choosing the right car insurance company may seem like a daunting task, but it’s easier than you might think. There are some key factors to consider when shopping:

  • Cost: You don’t want to overpay for car insurance. Get quotes from multiple companies so you can compare.

  • Coverage: Choose a policy with coverage that protects you, but there’s no need to go overboard.

  • Customer Service: The service you get when you buy your policy is the service you’ll get when you file a claim. If buying the policy was a hassle, then filing a claim won’t be any better.

Policygenius can help you compare quotes and see which coverage is included so you can make an informed decision about the policy you purchase.

Car insurance rates for drivers with driving violations in Florida

Your driving history can have a positive or negative impact on how much you pay for car insurance, depending on your record. Speeding tickets will increase your rates, and accidents will increase them even more, especially if you’re determined to be at fault. The more violations you have on your driving record, the more you’ll pay for car insurance.

Do your best to keep a clean record and you’ll save money on coverage. The table below shows the average annual car insurance rates for drivers with a variety of violations for both GEICO and State Farm.

Violation

GEICO

State Farm

Travelers

Nationwide

Mercury Insurance

At-fault Accident

$2,088

$1,916

$3,018

$3,535

$5,125

DUI

$2,696

$1,785

$3,381

$5,331

$4,431

Driving with a suspended license

$1,514

$1,785

$3,381

$5,331

$3,079

Driving with an open container

$1,514

$1,785

$2,861

$5,331

$4,431

Driving with expired registration

$1,514

$1,785

$2,861

$2,926

$4,346

Driving without Lights

$1,514

$1,785

$2,861

$2,512

$4,346

Failure to show documents

$1,514

$1,785

$2,861

$2,926

$4,346

Failure to stop at a red light

$1,514

$1,785

$2,861

$2,926

$4,346

Cheapest car insurance for drivers with bad credit in Florida

You might be surprised to learn that insurance companies consider your credit score when determining your car insurance rates. The following table shows the five cheapest car insurance companies in Florida for drivers with bad credit.

Company

Rates for drivers with bad credit

GEICO

$2,837

State Farm

$3,113

UAIC

$3,484

AIG

$3,611

Direct Auto

$3,831

Car insurance costs in Florida cities

Car insurance costs vary greatly from one city to the next depending on a number of factors, like crime rates and previous claims. As you might imagine, rates are higher in cities than in more rural areas. Lots of cars on narrow streets leads to more fender benders, which means higher car insurance rates. The list below shows the average annual car insurance costs for the 10 biggest cities in Florida based on population size.

  • Jacksonville: $1,736

  • Miami: $4,222

  • Tampa: $3,824

  • St. Petersburg: $1,868

  • Orlando: $1,636

  • Hialeah: $4,239

  • Tallahassee: $2,483

  • Fort Lauderdale: $3,654

  • Port St. Lucie: $2,738

  • Pembroke Pines: $3.528

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Buying car insurance in Florida

The state of Florida requires car insurance to register a vehicle, but it has very low minimums. Every registered vehicle must have:

  • Personal Injury Protection (PIP) $10,000 per accident

  • Personal Damage Liability (PDL) $10,000 per accident

Proof of insurance must be provided at the time of registration and coverage must be maintained even if the vehicle is not being driven or is inoperable. Additionally, the policy must be from a carrier licensed in Florida. If you move to Florida from another state, speak with your agent about having that policy transferred.

Driving without the required insurance can result in a suspension of your driving privileges and your license plate for up to three years. It may be reinstated, but it will require the payment of a $500 fee.

Florida is a no-fault state. This means that no one driver is named as being at fault for an accident. It also means that you cannot expect the other driver’s insurance to pay your claim. Every claim you file needs to be filed with your own carrier who will pay you for the claim.

This makes it especially important to have enough coverage in the event of an accident. Make sure you’re comfortable with any deductibles you choose and that the full amount of the coverage you select will cover any necessary repairs or medical bills incurred.

How to get cheap car insurance in Florida

  • Drive safely: Avoid accidents and moving violations, including speeding tickets, to keep your rates low

  • Watch your credit: Good credit will help you get a good deal on car insurance while bad credit can raise your rates

  • Shop around: Compare rates from multiple insurance companies to see which offers the best rates

  • Choose coverage carefully: Look at your coverage options, including deductibles, and choose the best coverage for your needs.

Frequently asked questions

Who has the cheapest car insurance rates in Florida?

According to our data, the cheapest car insurance companies in Florida are GEICO and State Farm.

Is Florida a no-fault state?

Yes, Florida is a no-fault state. This means that no one driver is determined to be at-fault for an accident and that each needs to file claims with their own insurance company.

Does Florida require car insurance?

Yes, like most states, Florida does require car insurance, but in very low amounts. You must have $10,000 each of Personal Injury Protection (PIP) and Personal Damage Liability (PDL).

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.