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Floridians live in the seventh most-expensive state for car insurance in the country, with average premiums at $323 per month. For comparison, the national average rate for car insurance is $100 cheaper, at $233 per month.
The Sunshine State’s exposure to hurricanes and flooding contributes to the higher cost of insurance in Florida. But comparing quotes from multiple insurers to find cheap car insurance can help Florida motorists hold down car insurance costs.
Quick Facts
The average cost of car insurance in Florida is $323/mo.
State Farm is the cheapest provider in Florida with average rates of $127/mo.
The easiest way to cut car insurance costs is to compare quotes online.
Table of contents
- Best cheap car insurance in Florida: State Farm
- What to know about minimum car insurance requirements in Florida
- Tips for getting cheap car insurance in Florida
- Liability-only vs. full-coverage car insurance in Florida
- How your driving history affects Florida car insurance rates
- How credit scores affect Florida car insurance quotes
- How your city affects Florida car insurance quotes
- How your age affects your Florida car insurance rates
- Florida car insurance FAQs
Best cheap car insurance in Florida: State Farm

State Farm
Best Cheap Car Insurance in Florida
Cheap car insurance coverage is all about finding the right car insurance company for you. Here’s our list of the top insurance companies selling cheap car insurance to Florida drivers. Individual rates will vary based on factors like driving history and coverage level, but the top providers with the cheapest rates include State Farm, GEICO, and USAA.
Car Insurance Company | Insurify Composite ScoreThe Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. | Average Monthly Quote |
---|---|---|
State Farm | 88 | $127 |
GEICO | 88 | $137 |
USAA | 96 | $174 |
American Family | 89 | $220 |
Allstate | 85 | $229 |
Erie | 85 | $166 |
Travelers | 80 | $230 |
Progressive | N/A | $250 |
National General | 58 | $251 |
Safeco | 86 | $266 |
Direct Auto | N/A | $278 |
AssuranceAmerica | N/A | $301 |
Pronto | N/A | $317 |
Mercury | N/A | $334 |
Farmers | 85 | $347 |
Liberty Mutual | 82 | $372 |
Midvale Home & Auto | N/A | $383 |
Infinity | N/A | $434 |
Bristol West | N/A | $472 |
Dairyland | N/A | $536 |
The General | N/A | $592 |
Amica | N/A | $689 |
Learn More: Best Car Insurance Companies
Insurify Composite Score (ICS)
To calculate the Insurify Composite Score, a proprietary rating, Insurify data scientists weigh multiple factors that reflect the quality, reliability, and health of an insurance company.
Inputs to the score include J.D. Power ratings, Consumer Reports customer satisfaction surveys and customer complaints, mobile app reviews, user-generated company reviews, and financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch.
What to know about minimum car insurance requirements in Florida
If you operate a car or park it on a Florida road, you’ll have to insure the vehicle. You’ll need to carry proof of insurance in your car at all times and have it available when:
Requested by law enforcement
Renewing vehicle registration
The vehicle is involved in a car accident
The minimum liability insurance requirements for private passenger vehicles in Florida[1] are:
$10,000 per accident for property damage liability: If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident. Florida is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.
$10,000 per accident for PIP: Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.
Florida DMV information
The state’s DMV office is called the Florida Department of Highway Safety and Motor Vehicles[2] (FLHSMV). In person and online, Florida drivers can apply for or renew a driver’s license, pay a speeding ticket, register a vehicle or title, and access safety resources. You can find DMV locations in all of Florida’s 67 counties.
Public transportation in Florida
Buses through the Florida Public Transportation Association[3] help Floridians travel affordably in most cities and counties. Trolleys are also a widespread transportation option, and more cities are following in Miami’s footsteps and offering bikesharing programs for people to travel from place to place at a low cost. Ridesharing services, like Uber and Lyft, are also available.
Compare Car Insurance Quotes Instantly
Tips for getting cheap car insurance in Florida
Shopping around for car insurance from a number of providers helps you understand your coverage options and find savings. With an online quote-comparison tool, you can compare quotes from regional and national providers before making any purchasing decisions. The best insurance provider for you depends on your insurance needs and driving history.
Choosing a higher deductible or lower coverage limits can also reduce your monthly and annual premiums. Just keep in mind, though, that lower coverage amounts and higher deductibles may leave you on the hook for more money in case of an accident that your insurance doesn’t cover.
Liability-only vs. full-coverage car insurance in Florida
If you live in Florida, your cheapest car insurance option will likely be liability-only auto insurance, which pays for expenses related to injuries and damage to the other party’s car if you cause an accident. Keep in mind, liability-only insurance doesn’t help you repair or replace your own car if you’re in an at-fault accident.
Each state sets its own minimums for how much liability insurance it requires drivers to carry. If you have a low-value vehicle, can afford to make repairs out of your own pocket, and getting the cheapest policy available is your top priority, liability-only insurance may make sense for you.
For a higher level of protection, you can choose full-coverage insurance, which includes basic liability plus collision and comprehensive coverage. Collision coverage pays for damages to your car, even if you’re at fault for an accident. Comprehensive pays for damages caused by events out of your control, like vandalism, weather, and animals. Auto lenders and leasing companies typically require drivers to carry full coverage on a car they’ve financed.
You may also opt for full coverage if:
You have a high-value vehicle.
You wouldn’t be able to afford to repair or replace your car out of pocket.
Your car’s actual cash value (the payout you’d likely get if your car is totaled) exceeds your annual premium to carry full coverage.
Here’s a look at the cheapest auto insurance in Florida by policy type.
Car Insurance Company | Average Monthly Quote: Liability | Average Monthly Quote: Full Coverage |
---|---|---|
State Farm | $131 | $129 |
GEICO | $135 | $132 |
Allstate | $228 | $224 |
Travelers | $213 | $245 |
Safeco | $228 | $275 |
Direct Auto | $276 | $284 |
Mercury | $331 | $319 |
Progressive | $242 | $324 |
National General | $228 | $335 |
Midvale Home & Auto | $323 | $380 |
Liberty Mutual | $313 | $381 |
Bristol West | $399 | $500 |
Dairyland | $342 | $529 |
The General | $485 | $1,037 |
How your driving history affects Florida car insurance rates
Your driving history is the factor that most influences your car insurance costs. Good drivers — whose records are free of serious traffic violations like speeding tickets or reckless driving — tend to get the best car insurance rates in Florida. But infractions like driving under the influence or at-fault accidents can significantly increase insurance costs.
Here’s a look at average monthly quotes for the cheapest car insurance in Florida based on driving and accident history.
See More: High-Risk Car Insurance Florida
Car Insurance Company | Clean Record | At-Fault Accident | With a DUI | Speeding Ticket |
---|---|---|---|---|
State Farm | $129 | $184 | $256 | $172 |
GEICO | $132 | $189 | $263 | $177 |
Allstate | $224 | $320 | $445 | $300 |
Travelers | $245 | $350 | $487 | $328 |
Safeco | $275 | $393 | $547 | $369 |
Direct Auto | $284 | $405 | $564 | $380 |
Mercury | $319 | $455 | $634 | $427 |
Progressive | $324 | $463 | $645 | $434 |
National General | $335 | $478 | $666 | $448 |
Midvale Home & Auto | $380 | $543 | $756 | $509 |
Liberty Mutual | $381 | $545 | $758 | $511 |
Bristol West | $500 | $715 | $995 | $670 |
Dairyland | $529 | $756 | $1,053 | $709 |
The General | $1,037 | $1,483 | $2,064 | $1,390 |
See More: SR-22 Insurance Florida
SR-22 insurance in Florida
The state of Florida has two special insurance certificates that you may need to reinstate your driver’s license if it gets revoked for a serious violation. An SR-22 — or FR-44 for DUIs and drug-related offenses — certificate will definitely hike your car insurance rates. That said, the companies below can help SR-22 and FR-44 drivers find affordable car insurance.
How credit scores affect Florida car insurance quotes
In Florida, a person’s credit score is something car insurance companies consider when setting premiums. Generally, people with excellent or good credit scores can qualify for lower car insurance premiums than people with average or poor credit scores.
Credit Tier | Average Monthly Quote |
---|---|
Excellent | $315 |
Good | $372 |
Average | $408 |
Poor | $633 |
See More: Bad Credit Car Insurance Florida
How your city affects Florida car insurance quotes
Florida is one of the most expensive states for purchasing car insurance, but rates will vary depending on what city you live in. Factors like population, crime rates, and climate influence these price fluctuations. Pricier cities in Florida include Fort Lauderdale, Miami, Orlando, and Tampa. Find average rates for the most populated Florida cities in the chart below.
City | Average Monthly Quote |
---|---|
Bradenton | $293 |
Edgewater | $285 |
Fort Lauderdale | $420 |
Fort Myers | $302 |
Hollywood | $411 |
Jacksonville | $359 |
Kissimmee | $369 |
Lakeland | $330 |
Miami | $527 |
Naples | $317 |
Ocala | $304 |
Orlando | $408 |
Palm Beach | $404 |
Pensacola | $304 |
Pompano Beach | $393 |
Saint Petersburg | $348 |
Tallahassee | $276 |
Tampa | $494 |
West Palm Beach | $482 |
Wildwood | $301 |
How your age affects your Florida car insurance rates
Because insurers generally equate age with experience level, your age will significantly affect how much you pay for car insurance. New drivers, who tend to be teens or people in their early 20s, typically pay more for insurance than drivers 25 and older.
The following table gives a high-level view of how age can affect insurance rates.
Quotes for younger drivers
Since multiple other factors can affect the cost of car insurance in Florida, younger drivers may pay significantly more for car insurance — especially if they have some incidents on their driving records.
Car Insurance Company | Liability Only | Full Coverage | With an Accident | With a DUI |
---|---|---|---|---|
National General | $303 | $323 | $327 | $635 |
Progressive | $283 | $310 | $368 | $567 |
Travelers | $253 | $283 | $281 | $563 |
AssuranceAmerica | $373 | $383 | $414 | $746 |
Bristol West | $514 | $588 | $621 | $573 |
Dairyland | $479 | $669 | $739 | N/A |
Direct Auto | $393 | $383 | $434 | $722 |
Infinity | $618 | $582 | $591 | N/A |
Liberty Mutual | $409 | $466 | $430 | N/A |
Mercury | $470 | $455 | $487 | N/A |
Midvale Home & Auto | $463 | $507 | $551 | N/A |
Pronto | N/A | $409 | N/A | N/A |
Safeco | $316 | $334 | $333 | $679 |
The General | $514 | $696 | $769 | N/A |
Quotes for middle-aged drivers
Generally, drivers see their car insurance premiums fall after age 25. Still, certain factors like whether they choose full coverage or a liability-only policy, can push their auto insurance costs up or down.
Car Insurance Company | Liability Only | Full Coverage | With an Accident | With a DUI |
---|---|---|---|---|
National General | $161 | $208 | $248 | $388 |
Progressive | $180 | $242 | N/A | $450 |
Travelers | $216 | $232 | $227 | $466 |
AssuranceAmerica | $234 | $277 | $364 | $503 |
Bristol West | $337 | $432 | $475 | N/A |
Dairyland | $288 | $472 | $573 | N/A |
Direct Auto | $225 | $238 | $281 | $446 |
Infinity | $340 | $369 | $433 | $698 |
Liberty Mutual | $286 | $354 | $343 | $712 |
Mercury | $285 | $297 | $362 | $549 |
Midvale Home & Auto | $287 | $336 | $389 | $629 |
Pronto | N/A | $217 | N/A | N/A |
Safeco | $210 | $257 | $267 | $511 |
The General | $346 | $533 | $596 | N/A |
Quotes for senior drivers
Drivers in their 60s and older generally see much lower car insurance rates than younger motorists. Still, as age can decrease motor skills and vision, older drivers do often see their rates edge up a bit.
Car Insurance Company | Liability Only | Full Coverage | With an Accident | With a DUI |
---|---|---|---|---|
Liberty Mutual | $218 | $268 | $280 | $265 |
Progressive | $134 | $171 | $182 | $167 |
Travelers | $167 | $175 | $188 | $171 |
AssuranceAmerica | $194 | $219 | $276 | $206 |
Bristol West | $283 | $370 | $425 | $355 |
Dairyland | $240 | $374 | $480 | $348 |
Direct Auto | $201 | $195 | $245 | $183 |
Infinity | $245 | $266 | $307 | $256 |
Mercury | $207 | $211 | $297 | $190 |
Midvale Home & Auto | $274 | $300 | $374 | $277 |
National General | $126 | $172 | $214 | $158 |
Safeco | $193 | $212 | $248 | $204 |
The General | $374 | $560 | $683 | $532 |
Florida car insurance FAQs
The top auto insurance providers in Florida with the lowest rates are State Farm, GEICO, and USAA, as well as smaller companies like Safeco and Direct Auto. For full-coverage insurance, drivers in Florida pay monthly rates of $127 with State Farm, $137 with GEICO, and $174 with USAA. Drivers pay $266 with Safeco and $278 with Direct Auto.
State Farm has the cheapest average rates for both the state’s minimum required liability insurance and a full-coverage policy. By driver history, the cheapest average rates for those with clean records and those with a recorded DUI, at-fault accident, or speeding ticket are from USAA.
Only 15% of Florida drivers have a driving incident on their record, but Floridians pay some of the highest average auto rates in the country. Auto insurance providers likely view the weather and climate[4] in Florida as risk factors that increase rates. Heavy rainstorms, hurricanes, tropical storms, and flooding increase the likelihood of vehicle incidents and damage.
By driver age, young drivers pay the highest auto insurance rates in Florida. Teen drivers spend an average of $618 per month, and drivers under 25 pay an average of $425 per month. Senior drivers, on the other hand, are given the lowest rates from auto insurance providers in the area, with rates below $262 per month once they enter their 50s.
Drivers in the Sunshine State pay an average auto insurance rate of $323 per month, exceeding the national average rate of $233 per month and making it the seventh most-expensive state for purchasing car insurance. Policyholders in Florida’s border states pay lower monthly average rates of $185 in Alabama and $282 in Georgia, by comparison.
Despite Florida’s high monthly average, affordable options exist. For example, State Farm offers Florida drivers coverage for $127 a month. Based on our data, rates in Florida have actually decreased by around 9% between July 2021 and July 2022. That downward trend is unusual in industry conditions that have been leading to increased rates across multiple insurers.
As determined by Insurify Composite Scores, which consider customer and claims satisfaction and industry and financial rankings, State Farm, USAA, and American Family are the best car insurance companies in the state. USAA policyholders in Florida pay $174 per month for coverage, and the company earned an A++ rating from A.M. Best.
State Farm presents drivers in the state with the most affordable quote of just $127 per month, while American Family policyholders pay $220 per month. The best option for you depends on the coverage you need, your driving history, and more.
Yes, you need personal injury protection (PIP) coverage in the state of Florida, specifically $10,000 per accident. If an accident occurs, PIP coverage covers the costs of medical payments. Additional non-medical benefits, including lost wage compensation, household expenses, and funeral costs, may apply in some cases depending on your chosen plan.
Florida is a no-fault state, which means both individuals involved in an auto accident must pay for bodily injury expenses through their own insurance providers, regardless of who caused the accident.
Yes, car insurance is mandatory in the state of Florida. State minimum coverage requirements include $10,000 per accident for property damage and $10,000 per accident for personal injury protection (PIP) coverage.[5] Most states with car insurance coverage requirements also mandate the purchase of bodily injury liability, but Florida doesn’t.
Florida is a no-fault state, which means both parties’ insurance providers will pay for medical expenses, regardless of who caused the crash. Property damage liability covers costs needed to repair the property of others involved in the accident, as well as legal costs related to a lawsuit. PIP coverage applies to medical payments related to the accident.
Like in most states, Florida car insurance follows the vehicle rather than the driver. If you allow someone to borrow your car and an accident occurs, your insurance will still apply to the vehicle. As long as the person driving the car has a driver’s license, no major issues with coverage are likely. But drivers without a license will face legal or financial consequences.
Though car insurance primarily follows the vehicle of the insured, any applicable insurance from the person who borrowed your car may also come into play to cover costs related to the auto accident.
Full-coverage insurance includes liability, collision, and comprehensive coverage in a single robust policy. Liability insurance includes coverage for bodily injury and property damage you cause others in an at-fault accident. Collision coverage takes it a step further and provides you and your vehicle with protection in a collision, whether or not you caused it.
Comprehensive coverage takes care of expenses related to theft, vandalism, and weather-related damages. Policy add-ons for a full-coverage policy differ by auto insurer and provide opportunities for even more coverage. Drivers with inexpensive vehicles may find that choosing a cheaper policy type makes more sense than full-coverage insurance.
Insurify Insights
How Florida Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Florida below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Florida drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Toyota Corolla
Most Popular Car in Florida
#42
State with the Most Speeding Tickets Rank
#36
State with the Moving Violations Rank
#50
State with the Most DUIs Rank
#35
State with the most Suspended Licenses
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Florida is the #28 state in the country for drivers with an at-fault accident on their driving record.
- Rank among states: #28
- Percent of drivers in Florida with an accident: 8.5%
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Florida is the #50 state in the country for drivers with a prior drunk driving conviction.
- Rank among states: #50
- Percent of drivers in Florida with a DUI: 0.6%
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Florida is the #16 state in the country for drivers with a reckless driving offense on record.
- Rank among states: #16
- Percent of drivers in Florida with a reckless driving offense: 1.6%
The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Florida is the #18 state in the country for drivers with a rude driving violation on record.
- Rank among states: #18
- Percent of drivers in Florida with a rude driving violation: 1.8%
Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Florida is the #42 state in the country for drivers with a speeding ticket on record.
- Rank among states: #42
- Percent of drivers in Florida with a speeding ticket: 6.6%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Florida is the #16 state in the country for drivers with a failure to yield violation on record.
- Rank among states: #16
- Percent of drivers in Florida with a failure to yield violation: 0.2%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Compare Car Insurance Quotes Instantly
Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
Sources
- Florida Highway Safety and Motor Vehicles. "State Minimum Car Insurance Requirements." Accessed November 17, 2022
- Florida Department of Highway Safety and Motor Vehicles. "MyDMV Portal." Accessed November 17, 2022
- Florida Public Transportation Association. "Florida Public Transportation Association." Accessed November 17, 2022
- United States Environmental Protection Agency. "What Climate Change Means for Florida." Accessed November 17, 2022
- Insurance Information Institute. "Automobile Financial Responsibility Laws By State." Accessed November 17, 2022
