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 | |
|---|---|---|
$134 | ||
$149 | ||
$164 | ||
$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
4.8
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 it
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 cons
Pros
Available in almost every state
Low rates for teens and drivers with accidents
High customer satisfaction ratings
Cons
Limited coverage options
More details
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
4.7
Offers classic car insurance
All 50 states
Offers motorcycle insurance
Good student discount
Mobile app
Usage-based discount
Why we chose it
GEICO is among our picks for top car insurance companies because of its low rates, convenient mobile app, and solid customer service.
Pros and cons
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 details
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
4.7
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 it
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 cons
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 details
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
4.2
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 it
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 cons
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 details
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 |
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.
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 |
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 |
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.
