Best car insurance in Florida (2024)

The cheapest car insurance company in Florida is State Farm, which offers coverage for $134 per month — 42% less than the state average.

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By

Andrew HurstSenior Editor & Licensed Auto Insurance ExpertAndrew Hurst is a senior editor at Policygenius who has spent his entire career writing about life, disability, home, auto, and health insurance. His work has been featured in The New York Times, The Wall Street Journal, the Washington Post, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, and Property Casualty 360.

Edited by

Anna SwartzAnna SwartzSenior Managing EditorAnna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.
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Reviewed by

Ian Bloom, CFP®, RLP®Ian Bloom, CFP®, RLP®Certified Financial PlannerIan Bloom, CFP®, RLP®, is a certified financial planner and a member of the Financial Review Council at Policygenius. Previously, he was a financial advisor at MetLife and MassMutual.

Updated|4 min read

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Update: As of July 2023, Farmers is no longer offering car insurance in Florida. While Farmers is ending its coverage, subsidiaries of Farmers like Foremost and Bristol West will continue offering coverage in Florida.

State Farm has the cheapest car insurance in Florida, according to our expert analysis. The average cost of a full-coverage policy in Florida is $233 per month, but car insurance from State Farm costs $134 per month — $1,183 less per year than the statewide average.

Besides State Farm, the cheapest car insurance companies in Florida are GEICO, Travelers, and Nationwide. You can compare rates to make sure you get the best coverage for your needs.

Company

Average cost per month

State Farm

$134

GEICO

$149

Travelers

$164

Nationwide

$209

Methodology & why you can trust our rates

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: $50,000 per person/$100,000 per accident

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident

  • 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.

Cheapest car insurance companies in Florida

State Farm

State Farm logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.8

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Coverage for rideshare drivers

Good student discount

Mobile app

Usage-based discount

Offers classic car insurance

Offers motorcycle insurance

Why we chose itchevron icon

State Farm is one of our top car insurance companies thanks to its cheap rates and high customer service ratings. State Farm can even be an affordable pick for drivers with spotty records.

Pros and conschevron icon

Pros

  • Available in almost every state

  • Low rates for teens and drivers with accidents

  • High customer satisfaction ratings

Cons

  • Limited coverage options

More detailschevron icon

Why we chose State Farm:

State Farm is one of the best and cheapest car insurance companies in Florida, even for drivers with an accident or violation on their records.

One of the things we like most about State Farm is its customer service. It earns high scores from policyholders and receives fewer complaints than is average for the industry, according to the National Association of Insurance Commissioners.

How does the cost of car insurance from State Farm compare to the average in STATE?

The average cost of State Farm car insurance in Florida is $134 a month or $1,611 per year, which is 42% cheaper than the statewide average.

GEICO

Logo for GEICO insurance company

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.7

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Offers classic car insurance

All 50 states

Offers motorcycle insurance

Good student discount

Mobile app

Usage-based discount

Why we chose itchevron icon

GEICO is among our picks for top car insurance companies because of its low rates, convenient mobile app, and solid customer service.

Pros and conschevron icon

Pros

  • Available in all 50 states

  • Easy-to-use digital tools

  • Plenty of discounts

Cons

  • Only sells through GEICO agents

  • Doesn’t underwrite its other products

More detailschevron icon

Why we chose GEICO

GEICO is one of the best car insurance companies in Florida for cheap coverage, even for drivers with bad credit or families with newly-licensed drivers on their policies.

We also like GEICO’s convenient mobile app. You can make a claim, access your policy details, call for roadside assistance whenever you need it, and even estimate your vehicle’s damage after an accident to see what repairs might cost using a photo tool.

How does the cost of car insurance from GEICO compare to average in Florida?

The average cost of car insurance from GEICO in Florida is $149 a month or $1,793 per year, which is 36% cheaper than the statewide average.

Travelers

logo for Travelers car insurance

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.7

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Accident forgiveness

Bundle home & auto

Usage-based discount

Offers gap coverage

Offers new car replacement

All 50 states

Coverage for rideshare drivers

Mobile app

New homebuyer discount

Why we chose itchevron icon

Travelers has cheaper-than-average car insurance rates (along with a lengthy list of discounts), and a range of useful coverage add-ons.

Pros and conschevron icon

Pros

  • Offers useful add-ons like new car replacement and gap coverage

  • Cheaper-than-average rates

  • Receives few complaints for service

Cons

  • Has lower satisfaction ratings than competitors

More detailschevron icon

Why we chose Travelers:

Travelers is one of the best car insurance companies in Florida thanks to its lower-than-average rates and long list of available insurance discounts.

Travelers’s range of coverage options are another selling point. Travelers offers gap insurance (which may be required if you lease or finance your car), along with accident forgiveness, new car replacement coverage, and special coverage for rideshare drivers in certain states.

How does the cost of car insurance from Travelers compare to average in Florida?

The average cost of car insurance from Travelers in Florida is $164 a month or $1,965 per year, which is 30% cheaper than the statewide average.

Nationwide

Nationwide logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starEmpty gray star

4.2

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Coverage for rideshare drivers

Mobile app

Good student discount

Offers flood insurance

Offers motorcycle insurance

Usage-based discount

Offers gap coverage

Why we chose itchevron icon

Nationwide has cheap average rates (including for young drivers), along with some coverage options you won’t find everywhere, like gap coverage and accident forgiveness.

Pros and conschevron icon

Pros

  • Low rates

  • Few customer complaints

  • Annual coverage review

Cons

  • Not available in Alaska, Hawaii, Louisiana or Massachusetts

  • Lower-than-average claims satisfaction ratings

More detailschevron icon

Why we chose Nationwide: 

Nationwide is another of the best options for car insurance in Florida. We like that Nationwide has low rates for families with young drivers, and a special pay-per-mile program called Smartmiles that can be a good money-saver if you don’t drive much.

Nationwide also offers add-ons like gap insurance (which may be required by your lender or lessor) along with accident forgiveness and a vanishing deductible option.

How does the cost of car insurance from Nationwide compare to average in Florida?

The average cost of car insurance from Nationwide in Florida is $209 a month or $2,508 per year, which is 10% cheaper than the statewide average.

Best car insurance companies in Florida

The best car insurance company in Florida is USAA. USAA scored the highest on J.D. Power’s 2023 Auto Insurance Survey for the Florida region. The survey measures how policyholders in Florida feel about their car insurance company, including customer service, billing, claims filing, and price. [1]

But USAA is only available to drivers affiliated with the military. State Farm, AAA, GEICO, and The Hartford also earned top scores in Florida — and are available to the general public.

Rank

Company

Score

1

USAA

858

2

State Farm

833

3

Automobile Club (AAA)

813

4

GEICO

812

4

The Hartford

812

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. 

The cheapest car insurance for the youngest drivers in Florida is GEICO, but State Farm is cheapest for older teens.

Age

Cheapest company

Average cost

16

GEICO

$4,471

18

State Farm

$4,036

21

State Farm

$2,757

25

State Farm

$1,823

30

State Farm

$1,635

35

State Farm

$1,617

45

State Farm

$1,581

55

State Farm

$1,513

60

State Farm

$1,485

65

State Farm

$1,480

70

GEICO

$1,521

Collapse table

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

The more violations on your driving record, the more you’ll pay for car insurance. In Florida, we found that State Farm often has the cheapest rates for drivers with a violation on their records.

A bar graph showing the cheapest companies for car insurance in Florida.

Violation

State Farm

GEICO

Travelers

Nationwide

Farmers

AIG

At-fault accident

$1,882

$2,365

$2,671

$3,545

$3,774

$4,618

Suspended license

$1,753

$1,799

$2,999

$5,351

$3,486

$4,664

Open container

$1,753

$1,799

$2,526

$5,351

$2,897

$3,665

Expired registration

$1,753

$1,799

$2,526

$2,932

$3,486

$4,468

Driving without lights

$1,753

$1,799

$2,526

$2,516

$3,486

$4,468

Running a red light

$1,753

$1,799

$2,526

$2,932

$3,384

$4,468

Following too closely

$1,753

$1,799

$2,526

$2,932

$3,486

$4,468

Hit and run

$1,753

$2,956

$2,999

$5,351

$3,487

$4,664

Not-at-fault accident

$1,635

$1,799

$2,037

$2,516

$2,698

$3,269

Passing a school bus

$1,753

$1,799

$2,049

$2,932

$3,486

$4,468

Reckless driving

$1,753

$2,831

$2,999

$5,351

$3,487

$4,664

Collapse table

Cheapest car insurance after an accident in Florida

The cheapest car insurance company in Florida if you have an at-fault accident on your record is State Farm, with an average rate of $82 a month, or $1,882 a year after a single at-fault accident.

Rates for drivers with an at-fault accident

State Farm

$1,882

GEICO

$2,365

Travelers

$2,671

Nationwide

$3,545

AIG

$4,618

Cheapest car insurance for drivers with a DUI in Florida

Florida drivers already pay some of the highest car insurance rates in the nation, and Florida drivers with a DUI or DWI pay even more for car insurance, paying an average of $4,036 per year, or 44% more than drivers without a DUI.

Drivers with a DUI should still compare quotes to save money on their car insurance, since some companies offer better rates than others. According to our research, State Farm, Farmers, and GEICO have the lowest rates for drivers with a DUI.

Company

Rates for drivers with DUIs

State Farm

$1,753

GEICO

$2,956

Travelers

$2,999

AIG

$3,665

Nationwide

$5,351

Cheapest car insurance for drivers with a speeding ticket in Florida

A speeding ticket will also raise your car insurance rates. Florida drivers with a speeding ticket on their record pay an average of $3,527 per year for car insurance, which is more than $700 higher than the average rate for drivers with a clean driving history.

We found that State Farm, GEICO, and Travelers had the cheapest average rates for Florida drivers with a speeding ticket on their record.

Company

Rates for drivers with speeding tickets

State Farm

$1,753

GEICO

$2,831

Travelers

$2,999

Nationwide

$3,312

AIG

$4,468

→ Read more about finding cheap SR-22 or FR-44 insurance in Florida

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. In fact, having bad credit can sometimes affect your rates more than having certain driving violations does.

We found that the cheapest car insurance company in Florida for drivers with bad credit is GEICO.

Company

Rates for drivers with bad credit

GEICO

$3,198

UAIC

$3,204

AIG

$3,516

State Farm

$3,517

Farmers

$3,708

Cheapest car insurance in Florida by city

The cost of car insurance in your area can depend on local factors like crime rates, population density, the number of car accidents, and more. Here are the cheapest car insurance companies in the 10 most populated cities in Florida.

Largest cities

Cheapest company

Average yearly rate for the cheapest company

Overall citywide average

Jacksonville

GEICO

$1,536

$2,706

Miami

GEICO

$1,902

$4,015

Tampa

GEICO

$1,827

$3,664

Orlando

State Farm

$1,628

$2,942

St. Petersburg

State Farm

$1,897

$3,125

Port St. Lucie

State Farm

$1,633

$2,626

Hialeah

GEICO

$1,802

$4,036

Cape Coral

GEICO

$1,471

$2,472

Tallahassee

State Farm

$1,360

$2,377

Fort Lauderdale

State Farm

$2,080

$3,497

Collapse table

Ready to shop car insurance?

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.

According to Florida state law, 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.

Is Florida a no-fault state?

Yes, Florida is a no-fault state. That means that after an accident, you need to seek coverage for your injuries and medical bills from your own car insurance company, even if the other driver was at fault.

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

  • Florida is an expensive state for car insurance, but there are still some tried-and-true ways to lower your car insurance rates.

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

  • 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.

Find car insurance in your city:

Frequently asked questions

Who is the cheapest car insurance in Florida?

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

How much is car insurance in Florida per month?

In Florida, the average cost of car insurance is $233 per month. This makes Florida the most expensive state for auto insurance coverage in the country.

What type of car insurance is required in Florida?

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

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.

References

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Policygenius uses external sources, including government data, industry studies, and reputable news organizations to supplement proprietary marketplace data and internal expertise. Learn more about how we use and vet external sources as part of oureditorial standards.

  1. J.D. Power

    . "

    Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds

    ." Accessed September 23, 2023.

Author

Andrew Hurst is a senior editor at Policygenius who has spent his entire career writing about life, disability, home, auto, and health insurance. His work has been featured in The New York Times, The Wall Street Journal, the Washington Post, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, and Property Casualty 360.

Editor

Anna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.

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