Best and cheapest car insurance in Florida

The cheapest car insurance in Florida comes from GEICO, which offers coverage for $119 per month — 51% lower than the state average.

Nicole WakelinAndrew Hurst

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.

&Andrew Hurst

Andrew Hurst

Senior Editor & Licensed Auto Insurance Expert

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

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Expert reviewed

This article has been reviewed by a licensed Policygenius expert to ensure that sources, statistics, and claims meet our standard for accurate and unbiased advice.

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By

Ian Bloom, CFP®, RLP®

Ian Bloom, CFP®, RLP®

Certified Financial Planner

Ian 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.

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GEICO has the cheapest car insurance in Florida. The average cost of a full-coverage policy in Florida is $243 per month, but car insurance from GEICO costs $119 per month — $1,482 less per year than average in the Sunshine State.

Besides GEICO, the cheapest car insurance companies in Florida are State Farm, Travelers, and Nationwide.

Company

Average cost

GEICO

$119/month

State Farm

$136/month

Travelers

$187/month

Nationwide

$209/month

Cheapest car insurance companies in Florida

GEICO

4.6

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

GEICO logo

GEICO is nationally available and often has some of the cheapest rates. GEICO gets fewer service complaints than average, even though claims satisfaction can be mixed. Drivers can also customize their car insurance from GEICO with a few useful add-ons.

Pros

  • Available in every state and the District of Columbia

  • Usually has some of the cheapest rates

  • Gets fewer complaints than expected for its service

  • Allows drivers to add different types of useful coverages to a basic policy

Cons

  • Mixed reputation for claims satisfaction

The cheapest car insurance company in Florida is GEICO. On average, a full-coverage car insurance policy from GEICO costs $119 per month — $1,482 less than average in Florida. We also found that GEICO has the cheapest insurance in Florida for newly-licensed drivers, for whom rates are often very expensive.

State Farm

3.8

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

State Farm logo

As the country’s biggest car insurance company, State Farm makes it easy for drivers to get coverage, make claims, and stay in contact. Also, State Farm is one of the cheapest insurers for most drivers, and tends to have great customer service.

Pros

  • Coverage available in nearly every state (along with in-person offices)

  • Cheap car insurance, including for some high-risk drivers

  • Consistently high customer service ratings

  • Some discounts, especially for good drivers

Cons

  • Doesn’t offer as many coverage options as some competitors

State Farm is the cheapest car insurance in Florida behind GEICO, with an average rate of $136 per month, or $1,630 per year. State Farm also has the cheapest car insurance in Florida for people who have a recent violation (like a DUI or speeding ticket) or an at-fault accident on their records.

Travelers

4.3

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

Travelers logo

Travelers has cheaper-than-average rates (and a long list of discounts). Plus, drivers can upgrade a standard policy with any of the company’s useful add-ons. But Travelers has weaker claims satisfaction and complaint scores than other providers.

Pros

  • Lower-than-average rates

  • Offers useful endorsements like new car replacement, gap coverage

  • Has a range of discounts that can save drivers money

  • Coverage is available to all drivers in most states

Cons

  • Customer service scores are lower than some competitors

Drivers in Florida can also get cheap car insurance from Travelers, at an average of $187 per month for a full-coverage policy. At $2,245 per year, auto insurance from Travelers is 23% cheaper than the state average in Florida. Travelers’ long list of discounts means that car insurance could be even cheaper for some drivers. 

Although it’s one of the cheapest companies for car insurance in Florida, Travelers doesn’t offer home insurance in Florida, so you’ll miss out on a bundling discount.

Nationwide

3.8

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

Nationwide logo

Nationwide has cheap average rates (including for younger drivers), along with some coverage add-ons like gap coverage and accident forgiveness. Despite a mixed reputation for claims satisfaction, it's still a top pick of ours for auto insurance.

Pros

  • Cheaper-than-average rates

  • Affordable car insurance for newly licensed drivers

  • Optional perks like vanishing deductible, accident forgiveness

  • Offers SmartMiles, our pick for the best per-mile insurance

  • Has a few discounts drivers can use to get cheaper rates

Cons

  • Ranked below-average for claims satisfaction

Nationwide has some of the cheapest car insurance in Florida, with an average monthly rate of $209. We found that Florida drivers can get car insurance from Nationwide for $411 cheaper than the statewide average. 

Unfortunately, Nationwide doesn’t offer homeowners insurance in Florida, so drivers won’t be able to bundle their auto and home policies together.

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, GEICO has the lowest average 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

60

GEICO

$1,251

65

GEICO

$1,229

70

GEICO

$1,259

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

Suspended license

$1,514

$1,785

$3,381

$5,331

$3,079

Open container

$1,514

$1,785

$2,861

$5,331

$4,431

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

Not showing documents

$1,514

$1,785

$2,861

$2,926

$4,346

Running a red light

$1,514

$1,785

$2,861

$2,926

$4,346

Failure to yield

$1,514

$1,785

$2,861

$2,926

$4,346

Following too closely

$1,514

$1,785

$2,861

$2,926

$4,346

Hit and run

$2,696

$1,785

$3,381

$5,331

$4,431

Illegal turn

$1,514

$1,785

$2,898

$2,926

$4,346

Improper passing

$1,514

$1,785

$2,898

$2,926

$4,346

Not-at-fault accident

$1,514

$1,654

$2,324

$2,512

$3,518

Passing a school bus

$1,514

$1,785

$2,336

$2,926

$4,346

Racing

$2,696

$1,785

$2,336

$5,331

$4,431

Reckless driving

$2,562

$1,785

$3,381

$5,331

$4,431

Speeding

$2,562

$1,785

$3,381

$3,304

$3,827

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.

Here's how the five cheapest car insurance companies in Florida stack up 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.

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 GEICO and State Farm.

How much is car insurance in Florida per month?

In Florida, the average cost of car insurance is $243 per month. This makes Florida the most expensive 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.

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.

Authors

Automotive journalist

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.

Senior Editor & Licensed Auto Insurance Expert

Andrew Hurst

Senior Editor & Licensed Auto Insurance Expert

gray linkedin icon link

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

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