Cheapest and Best Car Insurance Quotes in Florida (2024)
State Farm has the best cheap full coverage insurance in Florida, at $163 per month or $1,956 a year. Geico has the cheapest minimum coverage, at $39 per month or $468 a year.
Find Cheap Auto Insurance Quotes in Florida
Florida's best cheap car insurance
To help you get the best cheap Florida insurance, ValuePenguin compared quotes from the top car insurance companies across every ZIP code in the state. Our experts ranked the best Florida companies based on customer service, complaints, affordable rates and financial stability.
Our experts gathered quotes for minimum coverage, which meets Florida's state requirements. Quotes for full coverage policies include collision and comprehensive coverage, plus higher liability limits than state minimums.
Cheap full coverage car insurance in Florida: State Farm
State Farm has the best cheap full coverage car insurance in Florida, at $163 per month.
The average cost of car insurance in Florida is $249 per month for full coverage. That makes Florida the second most expensive state in the country.
There are several reasons why Florida car insurance is expensive. Much of the state is densely populated, which leads to more traffic and accidents. Florida also has a lot of uninsured drivers compared to other states. And the state's frequent severe weather events also affect insurance rates.
Find Cheap Auto Insurance Quotes in Florida
Geico also has cheap full coverage at $167 per month. That's only $4 per month more than State Farm.
Best full coverage car insurance in Florida
Company | Monthly rate | ||
|---|---|---|---|
| State Farm | $163 | |
| Geico | $167 | |
| Travelers | $198 | |
| UAIC | $241 | |
| Progressive | $297 | |
| Allstate | $429 | |
Cheap liability-only car insurance in Florida: Geico
Geico has the best cheap liability insurance in Florida.
Florida minimum car insurance from Geico costs around $39 per month. That's less than half the Florida average of $101 per month.
Best cheap minimum car insurance in Florida
Company | Monthly rate |
|---|---|
| Geico | $39 |
| State Farm | $55 |
| Travelers | $64 |
| Progressive | $128 |
| UAIC | $131 |
| Allstate | $185 |
Florida drivers can also save on car insurance with State Farm, which costs $55 per month.
Cheapest car insurance in Florida for seniors: Geico
Geico has the best quotes for senior drivers in Florida.
Full coverage from Geico costs $140 per month for a 65-year-old driver in Florida. That's $88 per month cheaper than the state average.
State Farm is also an affordable option for Florida seniors. Full coverage from State Farm costs $148 per month for a 65-year-old Florida driver.
Company | Age 65 | Age 75 | Age 85 |
|---|---|---|---|
| Geico | $140 | $157 | $192 |
| State Farm | $148 | $169 | $214 |
| Travelers | $171 | $208 | $269 |
| UAIC | $223 | $236 | $236 |
| Progressive | $269 | $367 | $460 |
| Allstate | $417 | $471 | $701 |
Car insurance quotes usually go up after age 65. That's because insurance companies find that senior drivers are more likely to get into accidents.
Florida seniors can save money with discounts geared towards retirees. This can include defensive driving and low mileage discounts.
Both Geico and State Farm offer these discounts to help you lower your rates.
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Cheapest insurance in Florida for young drivers: Geico
Geico is the cheapest car insurance company for teen drivers in Florida.
A minimum coverage policy from Geico costs $89 per month for an 18-year-old driver. That's less than half what the average teen pays for insurance in Florida. And Geico is 40% cheaper than average for full coverage car insurance.
A minimum coverage policy from Geico costs $89 per month for an 18-year-old driver. That's less than half what the average teen pays for insurance in Florida. And Geico is 40% cheaper than average for full coverage car insurance.
Geico also has the cheapest rates for families looking to add a teen to their car insurance policy. A minimum coverage policy for a family with a teen costs $87 per month from Geico, while full coverage costs $380 per month.
Best car insurance in Florida for teens
Individual policy for an 18-year-old driver
Family policy with one teen driver
Company | Minimum coverage | Full coverage |
|---|---|---|
| Geico | $89 | $430 |
| Travelers | $141 | $529 |
| State Farm | $142 | $467 |
| UAIC | $311 | $546 |
| Allstate | $323 | $1,145 |
| Progressive | $427 | $1,168 |
Individual policy for an 18-year-old driver
Company | Minimum coverage | Full coverage |
|---|---|---|
| Geico | $89 | $430 |
| Travelers | $141 | $529 |
| State Farm | $142 | $467 |
| UAIC | $311 | $546 |
| Allstate | $323 | $1,145 |
| Progressive | $427 | $1,168 |
Family policy with one teen driver
Company | Minimum coverage | Full coverage |
|---|---|---|
| Geico | $87 | $380 |
| State Farm | $138 | $493 |
| Travelers | $215 | $656 |
| Progressive | $297 | $853 |
| Allstate | $426 | $1,055 |
| UAIC | $440 | $903 |
Young drivers in Florida pay more than twice as much for car insurance as 30-year-old drivers. That's because teens have less driving experience, which means they're more likely to cause a crash.
Teen drivers can get cheaper rates by sharing a policy with their parents. A family car insurance policy costs about 62% less for teens than two separate policies.
Cheapest insurance in Florida after a ticket: State Farm
State Farm has the cheapest full coverage insurance in Florida after a speeding ticket.
You can expect auto insurance quotes in Florida to go up by 18% after one speeding ticket. That's an average increase of $45 per month for full coverage insurance.
Company | Monthly rate |
|---|---|
| State Farm | $176 |
| UAIC | $241 |
| Travelers | $245 |
| Geico | $280 |
| Progressive | $397 |
| Allstate | $429 |
Best FL auto insurance after an accident: State Farm
State Farm has the cheapest full coverage car insurance in Florida after an accident.
At $190 per month, full coverage from State Farm costs around half as much as most Florida drivers pay after causing a crash. It's also $39 per month less than the second-cheapest company, Geico.
Low cost auto insurance in Florida after an accident
Company | Monthly rate |
|---|---|
| State Farm | $190 |
| Geico | $229 |
| Travelers | $270 |
| UAIC | $313 |
| Progressive | $442 |
| Allstate | $744 |
Just one accident raises full coverage rates by around $116 per month in Florida. That's an average increase of 53%.
If you've recently caused an accident, don't rush to buy a new policy right away.
Your current company usually won't raise rates until you have to renew. You should wait to shop for new insurance until about one month before your current insurance expires.
Cheapest for teens with a ticket or accident: Geico
Geico has the best cheap auto insurance in Florida for young drivers with a speeding ticket or an accident on their record.
Minimum coverage from Geico costs $104 per month for an 18-year-old with a speeding ticket. That's less than half the Florida average of $254 per month.
However, State Farm has the cheapest rates for teens with a ticket that shares a policy with their parents. A full coverage family policy costs $536 per month at State Farm.
Best Florida insurance companies for teens after a ticket or accident
Individual policy for an 18-year-old driver
Family policy with one teen driver
Company | Ticket | Accident |
|---|---|---|
| Geico | $104 | $92 |
| State Farm | $156 | $171 |
| Travelers | $172 | $194 |
| UAIC | $311 | $387 |
| Allstate | $323 | $619 |
| Progressive | $458 | $474 |
Rates are for a minimum coverage policy for an 18-year-old driver.
Individual policy for an 18-year-old driver
Company | Ticket | Accident |
|---|---|---|
| Geico | $104 | $92 |
| State Farm | $156 | $171 |
| Travelers | $172 | $194 |
| UAIC | $311 | $387 |
| Allstate | $323 | $619 |
| Progressive | $458 | $474 |
Rates are for a minimum coverage policy for an 18-year-old driver.
Family policy with one teen driver
Company | Speeding | Accident |
|---|---|---|
| State Farm | $536 | $574 |
| Geico | $544 | $471 |
| Travelers | $783 | $804 |
| UAIC | $903 | $1,039 |
| Progressive | $1,002 | $1,171 |
| Allstate | $1,055 | $1,438 |
Rates are for a full coverage policy for two married adults with a teen driver on their policy.
After an at-fault accident, minimum coverage from Geico costs just $92 per month. That's an increase of only $3 per month and is much cheaper than the state average.
Geico also has the best full coverage rates for teens on a family policy after an accident at $471 per month. And you might not see your rate increase if you have accident forgiveness.
Car insurance costs 6% more after a ticket and 35% more after an accident for 18-year-old drivers.
Cheapest auto insurance in Florida after a DUI: Travelers
Travelers has the most affordable car insurance in Florida for drivers with a DUI.
Full coverage from Travelers costs $292 per month after a DUI, which is 29% cheaper than average. Geico is the second-cheapest company, with an average rate of $293 per month.
Cheap DUI car insurance companies in Florida
Company | Monthly rate |
|---|---|
| Travelers | $292 |
| Geico | $293 |
| Progressive | $337 |
| UAIC | $424 |
| Allstate | $547 |
| State Farm | $585 |
Rates increase by an average of 66% for drivers who have a DUI or DWI in Florida.
In addition, you may have to get FR-44 insurance in Florida after a DUI.
Drivers with an FR-44 must have higher liability limits in Florida. This can cause your rates to be even more expensive.
Cheapest Florida car insurance for drivers with bad credit: UAIC
UAIC has the best cheap car insurance for Florida drivers with poor credit.
At $241 per month, full coverage from UAIC costs half as much as the state average. And UAIC is $71 per month less than the second-cheapest company, Geico.
Company | Monthly rate |
|---|---|
| UAIC | $241 |
| Geico | $312 |
| Travelers | $411 |
| Progressive | $464 |
| Allstate | $814 |
| State Farm | $833 |
In Florida, drivers with poor credit pay twice as much for car insurance as those with good credit. That's because insurance companies believe drivers with bad credit scores are more likely to make a claim in the future.
Best car insurance in Florida
State Farm has the best auto insurance in Florida. It offers affordable rates and has a reputation for dependable customer service.
Geico is another good company for Florida drivers. You can get quotes online without talking to an agent and could get some of Florida's cheapest rates.
Best insurance companies in FL
Company |
Editor's rating
|
J.D. Power
|
A.M. Best
|
|---|---|---|---|
| State Farm | 842 | A++ | |
| Geico | 835 | A++ | |
| Travelers | 829 | A++ | |
| Allstate | 824 | A+ | |
| Progressive | 819 | A+ | |
| UAIC | NR | NR |
Customer service is an important part of choosing the best car insurance company for you.
Good service makes things easier in the stressful and difficult time after an accident. Poor service could take much longer to pay for repairs after a crash.
Find the best cheap Florida car insurance near you
Average car insurance cost in Florida by city
Santa Rosa Beach, a town in the Florida panhandle, has the cheapest car insurance in the state, at $184 per month for full coverage.
Westview, just outside Miami, is the most expensive city, at $354 per month.
Florida car insurance quotes by city
City | Monthly rate | % from average |
|---|---|---|
| Alachua | $192 | -23% |
| Alafaya | $248 | 0% |
| Alford | $193 | -23% |
| Allentown | $216 | -13% |
| Altamonte Springs | $232 | -7% |
The average cost of auto insurance in Florida varies by up to $170 per month, depending on where you live in the state.
Major cities typically have higher rates because of more traffic and higher crime rates. That's because drivers in these cities are more likely to be in an accident or have their car stolen.
Florida state auto insurance requirements
Florida's minimum car insurance requirements are $10,000 of personal injury protection (PIP) and $10,000 of property damage liability. This is less insurance than what most other states require.
- Personal injury protection (PIP): $10,000 per accident
- Property damage liability (PDL): $10,000 per accident
Bodily injury liability and uninsured motorist coverage come standard with most policies. You can reject them in writing, but you'll miss out on necessary protection. The minimum limits for either are $10,000 per person and $20,000 per accident.
What's the best type of auto insurance in Florida?
Full coverage car insurance is a good idea for most Florida drivers with cars worth more than $5,000 or newer than eight years old. Your lender will typically require full coverage if you have a car loan or lease.
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Minimum coverage policies meet Florida's minimum insurance requirements. This means they have $10,000 of personal injury protection (PIP) coverage and $10,000 of property damage liability per accident. But that's probably not enough coverage for repairs and medical bills if you cause a major accident.
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Full coverage policies typically have higher liability limits than the state requirements. They also have coverage for bodily injury liability. This pays for injuries to the other driver.
Plus, full coverage includes collision and comprehensive coverage. This pays to fix your car after a crash, a hurricane, a hit-and-run or another accident.
How much insurance coverage should I get in Florida?
Though minimum coverage may meet Florida's auto insurance requirements, most people have better choices. Most drivers should get higher coverage limits if they can afford it.
If you cause an expensive accident, minimum coverage generally will not pay for all of the damage you cause.
You'll have to pay for any damage your insurance doesn't cover.
Florida no-fault law
Florida is a no-fault state. This means your insurance will pay your medical costs regardless of who causes an accident. The Florida Motor Vehicle No-Fault Law helps drivers get medical care and some financial protection.
Florida drivers need PIP and property damage liability coverage.
PIP covers up to 80% of medical expenses and 60% of lost income if you can't work, up to $10,000 per accident.
Property damage liability pays for repairs to the other driver's car after an accident you cause, up to $10,000. If someone hits your car, the other driver's policy will pay to fix it.
Although Florida's no-fault law requires drivers to carry PIP, another driver can sue you for severe injury or death. You should get bodily injury liability (BIL) coverage to help protect you from expensive lawsuits.
Florida SR-22 and FR-44 policies
If you cause an accident that injures another person or you get a DUI, you have to buy extra coverage with higher limits. This is called SR-22 or FR-44 insurance.
SR-22 insurance requirements in Florida
After accidents that cause an injury, you must get SR-22 insurance or a certificate of financial responsibility.
In addition to Florida's no-fault requirements, SR-22 insurance requires:
- $10,000 of bodily injury liability per person
- $20,000 of bodily injury liability per accident
This coverage will pay for injuries to other drivers or passengers in an accident you cause.
FR-44 insurance requirements
Florida drivers convicted of driving under the influence (DUI) of alcohol or drugs must get FR-44 insurance. FR-44 coverage requirements are much higher than state minimum coverage or SR-22 certificates.
FR-44 insurance requires:
- $100,000 of bodily injury liability per person
- $300,000 of bodily injury liability per accident
- $50,000 of property damage liability per accident
Frequently asked questions
How much is car insurance in Florida?
The average cost of car insurance in Florida is $101 per month for minimum coverage. Full coverage insurance costs $249 per month.
What is the cheapest car insurance in Florida?
Geico has the cheapest car insurance in Florida for minimum liability coverage, at $39 per month. State Farm offers the cheapest rates for full coverage policies, at $163 per month.
Why is car insurance so expensive in Florida?
Car insurance costs more in Florida than in other states because of the many uninsured drivers in the state. Plus, millions of tourists drive to Florida each year. More drivers on the road may mean more accidents. Hurricanes also affect rates because insurance pays for repairs if you have comprehensive coverage.
How much car insurance do I need in Florida?
You must have $10,000 in personal injury protection and $10,000 in property damage liability to drive legally in Florida. The state doesn't require bodily injury liability, unlike almost every other state.
Methodology
To find the cheapest car insurance quotes in FL, ValuePenguin collected thousands of rates from every ZIP code in Florida for the largest car insurance companies. Quotes are for a 30-year-old man with good credit who drives a 2015 Honda Civic EX.
Unless otherwise noted, all rates are based on a full coverage policy.
- Liability: 50/100/25 in bodily injury and property damage
- Uninsured driver: 50/100/25 in bodily injury and property damage
- PIP: $10,000 per accident
- Collision and comprehensive: $500 deductible
Rates for a family policy with a teen driver are for two married 50-year-old drivers with a teen between the ages of 16 and 19. They own two 2015 Honda Civic EX vehicles.
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should only be used for comparative purposes. Your own quotes may be different.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.