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While there’s a lot to enjoy about the Sunshine State, residents also have to deal with high auto insurance prices. According to the National Association of Insurance Commissioners (NAIC), car insurance in Florida is the fourth-most expensive in the nation on average. And while you can’t just change your zip code or driving record on a whim, you can shop around to find Florida car insurance companies that offer good rates.

We recently dove into a market review of over 30 car insurance brands nationwide to help you find the best coverage for your car. In Florida, car insurance providers USAA and Progressive topped our list. We strongly encourage you to get free car insurance quotes from multiple providers and compare them, as quotes will depend on several factors specific to you.

 
 

In this article:

Cheapest Car Insurance In Florida

Based on a 35-year-old driver with good credit and a clean driving history, Geico offers the cheapest Florida car insurance, with an estimated annual premium of $1,565 for full coverage. The statewide average estimate for a full coverage policy in Florida is $2,927 per year.

Car Insurance Provider Average Annual Cost Estimate
Geico $1,565
State Farm $1,873
Progressive $2,393
Travelers $2,471
Mercury Insurance $2,826
 

What Is The Average Cost Of Car Insurance In Florida?

Florida car insurance is rather expensive compared to the national average. In fact, according to data from the National Association of Insurance Commissioners Florida was the fourth most expensive state for auto coverage in the U.S. in 2018.

According to the NAIC, the average cost of car insurance in Florida was $1,426 in 2018, while the national average was $1,057. These numbers include all policies from minimum to full coverage. Here’s a breakdown of the coverage costs that year based on data from the Insurance Information Institute (III):

Type of Coverage Average Annual Expenditure in 2018
Liability coverage $1,010
Collision coverage $362
Comprehensive coverage $149
Total cost $1,426
 

*Most drivers carry liability coverage but not necessarily other types of auto insurance. Total average annual expenditure measures what Florida drivers actually spent on auto insurance in 2018.

These averages might not be what you see in your area. Many people know that the county they live in matters, but prices can even fluctuate between zip codes. Miami is one of the most expensive places to live, while rural areas and middle-class suburbs tend to be the cheapest. Even though Florida auto insurance costs a lot in some areas, other areas are cheaper and balance out the state average. 

Cheapest Florida Car Insurance For Young Drivers

In Florida, a 24-year-old driver can pay 32 percent more for full coverage car insurance than a 35-year-old driver. The average rate estimate for a 24-year-old driver in Florida is $3,870 per year. Geico offers the cheapest coverage for young drivers in Florida, with an annual rate estimate of $2,080.

Cheapest Florida Car Insurance Provider Estimated Annual Premium
Geico $2,080
State Farm $2,392
Travelers $2,938
Mercury $3,468
Progressive $3,601

Cheapest Florida Car Insurance For Drivers With A Recent Accident

Having a car accident can raise your insurance rates by a sizable amount. The average rate estimate for Florida drivers with a recent accident is $4,190 per year. State Farm offers the cheapest full coverage insurance for drivers in Florida with an accident on their record at an annual rate estimate of $2,180.

Cheapest Florida Car Insurance Provider Estimated Annual Premium
State Farm $2,180
Geico $2,314
Travelers $3,369
Progressive $3,779
National General $4,207

Cheapest Florida Car Insurance For Drivers With A Speeding Ticket

A speeding ticket is one of many traffic violations that will cause your premiums to jump. In Florida, the average estimate for drivers with a speeding ticket is $3,622 per year for a full coverage policy. State Farm offers the lowest rates for Florida drivers with a speeding ticket at an estimated $2,027 per year.

Cheapest Florida Car Insurance Provider  Estimated Annual Premium
State Farm $2,027
Geico $2,826
Travelers $3,094
Progressive $3,407
Mercury $3,534

Cheapest Florida Car Insurance For Drivers With A DUI

A DUI can cause a substantial increase in your auto insurance premiums. The average estimate for a full coverage policy for Florida drivers with a DUI is $4,231 per year. State Farm offers the lowest rates for drivers in Florida with a DUI at an estimated $2,027 per year

Cheapest Florida Car Insurance Provider  Estimated Annual Premium
State Farm $2,027
Progressive $2,875
Geico $2,933
National General $3,335
Travelers $3,625

 

Cheapest Florida Car Insurance For Drivers With Bad Credit

Florida is one of many states in the U.S. that allow insurance companies to use your credit score as a factor in your insurance premiums. And having bad credit can cause your rates to go up dramatically. For Florida drivers with poor credit, the average estimated premium is $5,339 per year for full coverage. Geico offers the cheapest insurance for drivers with bad credit at an estimated $2,921 per year.

Cheapest Florida Car Insurance Provider  Estimated Annual Premium
Geico $2,921
National General $3,189
UAIC $3,490
State Farm $3,585
Progressive $3,782
 

Factors That Affect Florida Car Insurance Quotes

The average car insurance payment depends on many demographic and personal factors. You can expect the following to be taken into account when car insurance companies are determining your policy premium:

  • Coverage types
  • The deductible you choose
  • Coverage limits
  • Age
  • The gender listed on your driver's license
  • Marital status
  • Location
  • Make, model, and year of your vehicle
  • Your driving record

Who Has The Best Car Insurance In Florida?

Finding the best car insurance in Florida requires looking at several factors. Sure, we all want to save money, but the cost can’t be the only factor. After all, you can go with the cheapest car insurance in Florida, but will your claims be paid promptly?

That’s why we evaluate car insurance coverage by various factors, looking at things like average cost, financial strength, J.D. Power claims satisfaction scores, and additional benefits.

Here's a quick overview of the top Florida car insurance providers. 

Best Florida Car Insurance Motor1 Rating Average Annual Cost 

1. USAA Car Insurance

4.8 N/A

2. Progressive Car Insurance

4.6 $2,393

3. Geico Car Insurance

4.6 $1,565

4. State Farm Car Insurance

4.6 $1,873

5. Allstate Car Insurance

4.2 $4,446
 

#1 USAA: Cheapest Florida Car Insurance

If you’re really looking for the cheapest car insurance in Florida, you can’t go wrong with USAA. Floridians with USAA pay about $1,000 for their yearly policy on average. The average price includes people on a range of policies, from the minimum to full coverage. Depending on the coverage options you want, you might see a higher price. Plus, USAA doesn’t add a fee to break your policy up into monthly payments.

We recently compared many popular car insurance companies and gave USAA the highest rating in our review with 4.8 out of 5.0 stars. After digging into the insurer, we found plenty of positive qualities. It has great financials according to its A++ AM Best rating, and it wrote over $15 billion in premiums in 2020, according to the NAIC.

Looking at customer service, USAA got a 909 out of 1,000 points in J.D. Power’s 2021 Auto Claims Satisfaction StudySM, placing it as one of the top five companies in the survey. USAA also scored 898 out of 1,000 on J.D. Power’s 2021 U.S. Auto Insurance StudySM for Florida. That was the highest score among surveyed providers.

Eligibility

USAA coverage is available for:

  • U.S. military members who are active, retired, honorably separated, or enlisted
  • Candidates in commissioning programs (ROTC, Academy, OCS/OTS)
  • Spouses and children of USAA members who have or have had an auto or property policy

If you meet any of these qualifications, USAA can be a smart choice. Between the price and the customer service, we think USAA is the best car insurance in Florida, hands down.

Pros Cons
Affordable rates and numerous discounts Only available for military and their families
Good option for military members  
Superior financial strength rating and A+ rating from the Better Business Bureau (BBB)  
 

To learn more about the car insurance provider, check out our complete review of USAA insurance.


#2 Progressive: Top Choice For Most Florida Drivers

At the end of the day, not everyone can get a USAA policy. That’s why we think you should also check out Progressive for cheap car insurance in Florida. While it offers some of the best rates, it can be a bit more expensive than USAA.

We found that Progressive offered better car insurance rates in Florida than in many other states. As another full-service company, Progressive has a lot going for it. The insurer has an AM Best financial strength rating of A+ and has brought new innovations to the car insurance market since its inception in 1937. For example, Progressive was the first car insurance company to sell policies online.

Looking at customer service, Progressive fared average in both of the studies by J.D. Power mentioned above. While there might be other companies with better customer service, we think Progressive offers the best car insurance for Floridians who aren't eligible for USAA coverage.

Pros Cons
One of the top auto insurers in the United States Average claims process
Superior financial strength rating Mixed customer service reviews
Great choice for high-risk drivers Higher rates than some competitors
Easy quotes process  
 

To learn more about the car insurance provider, check out our review of Progressive car insuranceFor a full comparison between Progressive and USAA, read our review of USAA vs. Progressive.


#3 Geico: Best Florida Car Insurance For Students

Geico may provide the best car insurance rates for students in Florida. The company offers a long list of money-saving features such as good student discounts and usage-based insurance. If you're a good driver with a clean record, you may find excellent rates with Geico.

Geico is a full-service insurer with an A++ AM Best financial strength rating. The company also has a good industry reputation and many positive customer reviews.

In the annual J.D. Power Auto Claims Satisfaction Study Geico consistently scores above average. In the 2021 study, Geico scored above the national average with 881 out of 1,000 points. However, in the J.D. Power 2021 U.S. Auto Insurance StudySM, Geico underperformed compared to the average for the Florida region, scoring 823 out of 1,000 points. 

Pros Cons
Superior financial strength rating and A+ rating from the BBB Average quotes experience
Many choices for coverage Usage-based app not available in all states
High level of customer satisfaction  
Available in 50 states  
 

To learn more about Geico, read our Geico car insurance review.


#4 State Farm: Best Florida Car Insurance For Young Drivers

State Farm is the biggest auto insurer in the United States, covering more drivers than any other company. One thing that makes this provider stand out is its suite of insurance apps that can make life easier and provide discounts:

  • State Farm app: This app lets you submit claims, pay for your policies, manage your bank accounts, and more.
  • Steer Clear: This is an educational app available for drivers under the age of 25. Drivers complete in-app courses, log progress with a mentor, complete driving hours, and receive a certification. The certification provides reduced rates for young drivers.
  • Drive Safe & Save™: This is State Farm’s usage-based insurance app. If you score high enough, you can get up to a 30-percent discount on your premium. The app tracks things like cornering, hard braking, acceleration, and phone use while driving.
  • State Farm Pocket Estimate: State Farm’s Pocket Estimate lets you snap photos of your car’s damage and get a repair estimate right in the app.

Most of the State Farm apps have excellent user ratings in the Google Play and Apple app stores.

Pros Cons
Comprehensive coverage offerings Reported errors with autopay
Extensive selection of discounts available in 48 states Not taking new customers in Massachusetts or Rhode Island
Positive customer reviews and easy online quotes process Higher rates than some competitors
Many discounts for teens and students  
Superior financial strength rating and A+ rating from the BBB  
 

You can find more information in our State Farm insurance review.


#5 Allstate: Best Local Agents For Florida Car Insurance

Allstate works through a network of local agents to provide coverage to its customers. This means that customer service quality may vary from state to state. Allstate's Florida network is particularly strong. The company received the second highest score in the J.D. Power 2021 Auto Insurance Study for the state of Florida.

In addition to offering discounts for student drivers and first-time car owners, Allstate has a mileage-based discount program called Drivewise®. Customers can receive a 3-percent discount on their policy just for signing up. After 50 trips, drivers can receive up to 15-percent cash back for safe driving, with assessments every six months after that. You can even earn Allstate Rewards® points that can be used for things like gift cards to restaurants and local businesses. 

Pros Cons
Works through a network of local agents to provide coverage in 50 states Expensive
Superior financial strength rating and A+ rating from the BBB Mixed customer service reviews
Mileage-based discount program  
 

Read our Allstate insurance review to learn more.


Why Is Car Insurance In Florida So Expensive?

Florida car insurance is complex, and many factors influence the price. Here are a few things to know about what drives up the price of car insurance in Florida:

  • Large driving population: According to Florida Highway Safety and Motor Vehicles data, there were 17 million licensed drivers in 2018. The department also recorded 400,000 crashes that year.
  • Uninsured motorists: Data from the Insurance Research Center shows that approximately 20 percent of drivers in Florida were uninsured in 2019, and greater risks mean higher prices for policyholders. 
  • Weather: The Sunshine State is known for its pleasant weather, but when hurricane season comes around, many cars suffer the consequences, resulting in more claims being filed.

Drivers might think that car insurance is cheap for Floridians because the liability requirements are relatively low compared to that of other states, but that’s incorrect. Florida is actually ranked as the fourth-most expensive state for auto insurance by the NAIC. 

Costs can vary depending on your location, driving history, and more. The only way to be sure you're getting the best rates is by getting quotes from multiple providers and comparing.

 

Minimum Coverage Requirements For Florida Car Insurance

Each state requires residents to provide proof that they can handle the financial responsibility of a car accident. By far, the most common way states do this is by requiring car insurance. Florida is one of those states and has financial responsibility laws that require every driver to carry auto insurance.

These are the minimum coverage requirements for Florida car insurance:

  • $10,000 - Property damage liability insurance: Covers damages to other drivers' cars and other property in an accident you caused.
  • $10,000 - Personal injury protection (PIP): Covers a portion of your medical expenses and lost wages resulting from a covered accident, regardless of who is at fault. This is also the maximum amount of PIP coverage you can have in Florida.

Additional Coverage

While these are the basic car insurance requirements in Florida, you can always buy more coverage. Florida's coverage requirements are lower than in most states. In reality, even a minor accident could easily surpass $10,000 in property damage or medical claims. And you're responsible for any uncovered amount. 

If you're looking for greater protection, you can add bodily injury (BI) liability coverage, comprehensive coverage, and collision coverage to your auto insurance policy. You also have the option to add more medical coverage to your insurance policy by adding medical payments (MedPay). MedPay functions similar to PIP (except that it doesn’t pay lost wages), but it can help cover what PIP doesn't.  

You also have the option to add uninsured motorist/underinsured motorist coverage (UM/UIM). This pays for property and medical damages in the event that an accident is caused by a driver without sufficient insurance. Since Florida had an uninsured rate of 26.7 percent in 2015, according to the Insurance Information Institute, this is coverage you may want to consider. 


Is Florida A No-Fault State?

Florida has a no-fault car insurance system. That means you turn to your own insurance company to claim injury coverage whether you caused an accident or not. If you have the minimum required coverage, you don’t risk not being able to cover the other party’s medical expenses. You risk not covering your own.

Say you had a $2,000 bill for a neck brace and whiplash treatment. Your PIP coverage would pay for this. In addition to that, your car sustained $3,000 in damage from the accident. The other driver’s property damage liability would pay for that.

Pros And Cons Of No-Fault States

The advantage of a no-fault system is that you can get medical payment coverage right away. You don’t have to file a claim with another auto insurance company and go back and forth with that company.

However, there are some downsides to the no-fault system. Florida requires that you seek coverage from your PIP plan before health insurance, and some people take advantage of the system. PIP claims fraud is not uncommon, and the Insurance Research Council found that Floridians claim about 50 percent more on their injuries than the nationwide average.


What Happens When Insurance Doesn’t Cover The Costs?

You might assume that in a no-fault state, you don’t really have any responsibility when you cause an accident. However, that’s not the case. As we just mentioned, Florida requires drivers to carry a minimum of $10,000 in PIP, but that’s also the maximum they can carry. Florida also does not require people to purchase MedPay, so many people only have PIP.

Imagine you caused a severe accident and the other driver claimed $20,000 in medical bills. Their own PIP would cover $10,000 of that amount, but Florida law allows them to sue you for the other $10,000. Under a personal injury lawsuit, the other driver could sue for:

  • Disability
  • Medical expenses
  • Lost income
  • Pain and suffering
  • Emotional trauma

The other driver can also sue you if they suffer a permanent injury from the accident. Permanent injury includes:

  • Loss of an important bodily function
  • Disfigurement
  • Scarring
  • Death

That’s why it’s a good idea to carry BI coverage on your Florida car insurance plan. That coverage will pay for the other party’s medical costs in an accident that you cause. PIP gets used first, but BI is there to safeguard against lawsuits when claims go beyond the limit.


SR-22 Florida Car Insurance Requirements

While there is no BI requirement for the general public, Florida requires drivers who have caused any degree of injury in an accident to carry it. If you don’t carry it at the time of an accident, you have to file an SR-22 and purchase minimum BI coverage. This form carries a small fee and certifies that you will have BI for the next three years. The state minimum requirements for BI in Florida are:

  • $10,000 BI per person: This coverage pays for the other driver’s medical expenses when you are at fault in an accident.
  • $20,000 BI per accident: Your BI needs to at least cover $20,000 per accident. This works similarly to property damage liability and is given out on a first-come, first-served basis.

FR-44 Florida Car Insurance Requirements

The FR-44 certificate also requires a minimum level of BI coverage. Drivers who are convicted of a DUI are required to file this form and purchase:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident

These minimums are a lot higher, but that’s because a drunk driver can cause a lot more damage. Auto insurance rates are also higher for people with FR-44 certificates.


Florida Car Insurance: Summary

Florida car insurance is both expensive and complicated. But there are several reputable companies that offer competitive rates on auto coverage in the Sunshine State. The best insurer for you, however, depends largely on your driver profile and other factors. So the provider with the best rates for your neighbor may not offer the best rates for you.

The only way to know for sure you're getting the best Florida car insurance rates is to get offers from multiple providers and compare them. 

 
 

FAQ: Car Insurance In Florida

What is the lowest car insurance in Florida?

We found that Geico and USAA have some of the lowest prices for auto insurance in Florida. Both companies offer a wide array of discounts and coverage, but USAA is only available to military members and their families.

What are the best auto insurance companies in Florida?

Our insurance experts identified USAA, Progressive, and Geico as some of the best insurance providers in Florida. All three have excellent reviews from the BBB and extensive insurance coverage.

How can I get cheap car insurance in Florida?

Car insurance rates differ from person to person because they’re set by many factors. Some ways you can lower your insurance premium include asking your insurance provider about discounts, choosing a higher deductible, and comparing car insurance quotes from multiple companies.

Methodology

In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews auto insurance rate estimates generated by Quadrant Information Services for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.

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